Horace Mann Educators Corporation (HMN) vs Skyward Specialty Insurance Group, Inc. (SKWD)

Horace Mann Educators Corporation and Skyward Specialty Insurance Group, Inc. are both Insurance Property & Casualty companies. Skyward Specialty Insurance Group, Inc. is the larger, with a market value of $2.8B against $2.2B — 1.3× the size. Horace Mann Educators Corporation trades at the lower P/E: 12.1× against 14.4×. Skyward Specialty Insurance Group, Inc. grew revenue faster over the last twelve months: 38.3% against 4.25%. Skyward Specialty Insurance Group, Inc. has the higher net margin (10.8% vs 10.2%) and the higher return on invested capital (10.9% vs 8.57%). Across the 18 metrics below, Skyward Specialty Insurance Group, Inc. leads on 10 and Horace Mann Educators Corporation on 8.

Valuation

Metric HMN SKWD Insurance Property & Casualty median
P/E 12.15 14.37 12.17
P/S 1.23 1.63 1.26
P/B 1.51 2.23 1.85
Price to free cash flow 3.79 7.10 8.04
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.23% 6.96% 8.20%
Free cash flow yield 26.37% 14.08% 11.86%

Profitability

Metric HMN SKWD Insurance Property & Casualty median
Gross margin 47.33% 44.14% 37.39%
Operating margin 14.67% 15.09% 14.67%
Net margin 10.16% 10.84% 10.16%
Free cash flow margin 0.00% 23.20% 18.60%
Return on equity 12.40% 17.34% 16.59%
Return on assets 1.15% 3.38% 3.38%
Return on invested capital 8.57% 10.89% 9.43%

Growth

Metric HMN SKWD Insurance Property & Casualty median
Revenue growth (TTM) 4.25% 38.27% 5.70%
EPS growth (last fiscal year) 57.26% 41.81% 39.61%
Revenue growth, 5-year CAGR 5.36% — 9.23%
Net income growth, 5-year CAGR 3.99% — 10.09%

Health

Metric HMN SKWD Insurance Property & Casualty median
Debt to equity 0.42 0.33 0.25
Current ratio 0.07 0.52 0.49
Net debt to EBITDA 2.14 (0.43) 0.08

Dividend

Metric HMN SKWD Insurance Property & Casualty median
Dividend yield 2.72% — 1.56%
Payout ratio 0.33 — 0.15

Size

Metric HMN SKWD Insurance Property & Casualty median
Market cap 2.15b 2.84b 2.64b

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack