Horace Mann Educators Corporation (HMN) vs Trupanion, Inc. (TRUP)

Horace Mann Educators Corporation and Trupanion, Inc. are both Insurance Property & Casualty companies. Horace Mann Educators Corporation is the larger, with a market value of $2.2B against $1.5B — 1.4× the size. Horace Mann Educators Corporation trades at the lower P/E: 12.1× against 56.6×. Trupanion, Inc. grew revenue faster over the last twelve months: 11.4% against 4.25%. Horace Mann Educators Corporation has the higher net margin (10.2% vs 1.71%) and the lower return on invested capital (8.57% vs 16.3%). Across the 20 metrics below, Horace Mann Educators Corporation leads on 10 and Trupanion, Inc. on 10.

Valuation

Metric HMN TRUP Insurance Property & Casualty median
P/E 12.15 56.64 12.17
P/S 1.23 0.97 1.26
P/B 1.51 3.77 1.85
Price to free cash flow 3.79 17.37 8.04
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.23% 1.77% 8.20%
Free cash flow yield 26.37% 5.76% 11.86%

Profitability

Metric HMN TRUP Insurance Property & Casualty median
Gross margin 47.33% 16.75% 37.39%
Operating margin 14.67% 0.00% 14.67%
Net margin 10.16% 1.71% 10.16%
Free cash flow margin 0.00% 5.56% 18.60%
Return on equity 12.40% 6.94% 16.59%
Return on assets 1.15% 2.96% 3.38%
Return on invested capital 8.57% 16.28% 9.43%

Growth

Metric HMN TRUP Insurance Property & Casualty median
Revenue growth (TTM) 4.25% 11.41% 5.70%
EPS growth (last fiscal year) 57.26% 295.65% 39.61%
Revenue growth, 5-year CAGR 5.36% 23.45% 9.23%
Net income growth, 5-year CAGR 3.99% 0.00% 10.09%

Health

Metric HMN TRUP Insurance Property & Casualty median
Debt to equity 0.42 0.26 0.25
Current ratio 0.07 1.74 0.49
Net debt to EBITDA 2.14 (8.49) 0.08

Dividend

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

Size

Metric HMN TRUP Insurance Property & Casualty median
Market cap 2.15b 1.52b 2.64b

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