stockrowHorace Mann Educators Corporation (HMN) vs Lemonade, Inc. (LMND)
- Horace Mann Educators Corporation HMN 50.42 +6.21%
- Lemonade, Inc. LMND 45.65 +10.43%
Horace Mann Educators Corporation and Lemonade, Inc. are both Insurance Property & Casualty companies. Lemonade, Inc. is the larger, with a market value of $3.2B against $1.9B — 1.7× the size. Lemonade, Inc. has negative trailing earnings, so its P/E is not meaningful; Horace Mann Educators Corporation trades at 11.0×. Lemonade, Inc. grew revenue faster over the last twelve months: 62.3% against 5.88%. Horace Mann Educators Corporation has the higher net margin (10.2% vs −14.2%) and the higher return on invested capital (7.75% vs −25.6%). Across the 19 metrics below, Horace Mann Educators Corporation leads on 14 and Lemonade, Inc. on 5.
Valuation
Profitability
| Metric | HMN | LMND | Insurance Property & Casualty median |
|---|---|---|---|
| Gross margin | 46.89% | 51.65% | 41.66% |
| Operating margin | 14.57% | (13.67%) | 14.71% |
| Net margin | 10.15% | (14.19%) | 10.84% |
| Free cash flow margin | 32.42% | 0.83% | 17.46% |
| Return on equity | 12.38% | (26.96%) | 16.87% |
| Return on assets | 1.17% | (7.01%) | 3.57% |
| Return on invested capital | 7.75% | (25.59%) | 12.03% |
Growth
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