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Screener Weekly Summary Pricing

HCI Group, Inc. (HCI) vs Horace Mann Educators Corporation (HMN)

HCI Group, Inc. and Horace Mann Educators Corporation are both Insurance Property & Casualty companies. HCI Group, Inc. is the larger, with a market value of $2.2B against $1.9B — 1.2× the size. HCI Group, Inc. trades at the lower P/E: 7.3× against 10.5×. HCI Group, Inc. grew revenue faster over the last twelve months: 22.8% against 5.88%. HCI Group, Inc. has the higher net margin (31.3% vs 10.2%) and the higher return on invested capital (79.2% vs 7.75%). Both pay a dividend; Horace Mann Educators Corporation yields more (3.75% vs 1.76%). Across the 23 metrics below, HCI Group, Inc. leads on 18 and Horace Mann Educators Corporation on 5.

Valuation

Metric HCI HMN Insurance Property & Casualty median
P/E 7.30 10.52 10.29
P/S 2.25 1.06 1.17
P/B 1.83 1.23 1.83
Price to free cash flow 5.27 3.28 7.48
EV/EBITDA 2.83 9.43 7.49
EV/Sales 1.40 1.52 1.13
Earnings yield 13.69% 9.50% 9.50%
Free cash flow yield 18.99% 30.52% 13.29%

Profitability

Metric HCI HMN Insurance Property & Casualty median
Gross margin 59.73% 46.89% 41.16%
Operating margin 48.84% 14.57% 15.09%
Net margin 31.32% 10.15% 11.51%
Free cash flow margin 42.99% 32.42% 17.59%
Return on equity 30.46% 12.38% 18.19%
Return on assets 11.92% 1.17% 3.74%
Return on invested capital 79.17% 7.75% 12.06%

Growth

Metric HCI HMN Insurance Property & Casualty median
Revenue growth (TTM) 22.77% 5.88% 8.69%
EPS growth (last fiscal year) 155.57% 57.26% —
Revenue growth, 5-year CAGR 23.75% 5.36% 9.23%
Net income growth, 5-year CAGR 61.50% 3.99% 10.09%

Health

Metric HCI HMN Insurance Property & Casualty median
Debt to equity 0.06 0.40 0.25
Current ratio 0.69 0.06 0.42
Net debt to EBITDA (2.56) 2.14 0.08

Dividend

Metric HCI HMN Insurance Property & Casualty median
Dividend yield 1.76% 3.75% 2.79%
Payout ratio 7.62 0.95 0.27

Size

Metric HCI HMN Insurance Property & Casualty median
Market cap 2.20b 1.86b 2.44b

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