Horace Mann Educators vs Palomar
HMN and PLMR side by side, both in fire, marine, and casualty insurance. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How HMN and PLMR compare
Palomar is the larger company, worth 2.0 times as much as Horace Mann Educators ($4.2B against $2.1B).
On earnings, Horace Mann Educators is cheaper: it trades at 12.4× trailing earnings, against 19.9× for Palomar.
Palomar grew revenue faster over the last twelve months (58.4% versus 4.2% for Horace Mann Educators).
Palomar keeps more of each dollar of sales as profit, with a net margin of 17.6% compared with 10.2% at Horace Mann Educators.
Both pay dividends: Horace Mann Educators yields 2.7% and Palomar 0.28%.
Horace Mann Educators scores higher on the StockData Score (12 against 11 for Palomar), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | HMN | PLMR |
|---|---|---|
| Size and price | ||
| Market cap | $2.1B | $4.2B |
| Share price | $53.01 | $159.20 |
| Change, 1 year | 16.5% | 20.2% |
| Change, 5 years | 38.3% | 90.3% |
| Beta (5Y) | 0.32 | 0.67 |
| Employees | 1,800 | 439 |
| StockData Score | ||
| Total score | 12 (better) | 11 |
| Valuation score | 4 (better) | 1 |
| Growth score | 2 | 4 (better) |
| Performance score | 3 | 5 (better) |
| Health score | 0 | 0 |
| Dividend score | 3 (better) | 1 |
| Valuation | ||
| P/E | 12.4× (better) | 19.9× |
| P/S | 1.2× (better) | 3.4× |
| P/B | 1.5× (better) | 4.3× |
| EV/EBITDA | 7.1× | – |
| P/FCF | – | 9.3× |
| PEG | 0.12 (better) | 0.38 |
| FCF yield | – | 10.8% |
| Fair value | $53.37 | $123.30 |
| Margin of safety | 0.67% (better) | −29.1% |
| Growth | ||
| Revenue growth (TTM) | 4.2% | 58.4% (better) |
| Revenue growth, 5Y average | 5.4% | 39.1% (better) |
| Net income growth (TTM) | 8.2% | 23.4% (better) |
| EPS growth (TTM) | 8.6% | 24.7% (better) |
| EPS growth, 5Y average | 4.2% | 97.3% (better) |
| Profitability | ||
| Net margin | 10.2% | 17.6% (better) |
| FCF margin | – | 36.6% |
| Return on equity | 12.4% | 23.3% (better) |
| Financial health | ||
| Altman Z-score | 0.36 | 1.25 (better) |
| Piotroski F-score | 6 | 6 |
| Dividends and buybacks | ||
| Dividend yield | 2.7% (better) | 0.28% |
| Payout ratio | 32.6% | – |
| Years of dividend growth | 16 | – |
| Dividend growth, 5Y average | 3.1% | – |
| Buyback yield | 1.2% | 1.7% (better) |
| Shareholder yield | 3.9% (better) | 2.0% |
| Ownership | ||
| Held by institutions | 105% | 92.6% |
| Held by insiders | 1.6% | 2.6% |
| Insider net buying, 12 months | −$4.1M (better) | −$21.6M |
| Short interest, % of float | 2.5% | 2.4% |
Go deeper
- HMN stock overview
- HMN income statement
- HMN valuation and score
- PLMR stock overview
- PLMR income statement
- PLMR valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.