Horace Mann Educators vs Trupanion
HMN and TRUP side by side. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How HMN and TRUP compare
Horace Mann Educators is the larger company, worth 1.4 times as much as Trupanion ($2.1B against $1.5B).
On earnings, Horace Mann Educators is cheaper: it trades at 12.3× trailing earnings, against 56.2× for Trupanion.
Trupanion grew revenue faster over the last twelve months (11.4% versus 4.2% for Horace Mann Educators).
Horace Mann Educators pays a dividend yielding 2.7%; Trupanion does not pay one.
Horace Mann Educators scores higher on the StockData Score (12 against 6 for Trupanion), 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 | TRUP |
|---|---|---|
| Size and price | ||
| Market cap | $2.1B | $1.5B |
| Share price | $52.78 | $34.30 |
| Change, 1 year | 15.7% | −12.1% |
| Change, 5 years | 37.7% | −74.9% |
| Beta (5Y) | 0.31 | 1.83 |
| Employees | 1,800 | 1,121 |
| StockData Score | ||
| Total score | 12 (better) | 6 |
| Valuation score | 4 (better) | 0 |
| Growth score | 2 | 3 (better) |
| Performance score | 3 (better) | 0 |
| Health score | 0 | 3 (better) |
| Dividend score | 3 (better) | 0 |
| Valuation | ||
| P/E | 12.3× (better) | 56.2× |
| P/S | 1.2× | 1.0× (better) |
| P/B | 1.5× (better) | 3.8× |
| EV/EBITDA | 7.0× (better) | 28.2× |
| P/FCF | – | 17.4× |
| PEG | 0.12 | – |
| FCF yield | – | 5.8% |
| Fair value | $53.36 | $22.76 |
| Margin of safety | 1.1% (better) | −50.7% |
| Growth | ||
| Revenue growth (TTM) | 4.2% | 11.4% (better) |
| Revenue growth, 5Y average | 5.4% | 23.4% (better) |
| Net income growth (TTM) | 8.2% | – |
| EPS growth (TTM) | 8.6% | 69.4% (better) |
| EPS growth, 5Y average | 4.2% | – |
| Profitability | ||
| Gross margin | – | 16.7% |
| Operating margin | – | 1.8% |
| Net margin | 10.2% | – |
| FCF margin | – | 5.6% |
| Return on equity | 12.4% | – |
| Return on invested capital | – | 23.9% |
| Financial health | ||
| Debt / equity | – | 0.26 |
| Net debt / EBITDA | – | −6.79 |
| Interest coverage | – | 2.9× |
| Current ratio | – | 1.74 |
| Altman Z-score | 0.36 | 3.63 (better) |
| Piotroski F-score | 6 | – |
| Dividends and buybacks | ||
| Dividend yield | 2.7% | – |
| Payout ratio | 32.6% | – |
| Years of dividend growth | 16 | – |
| Dividend growth, 5Y average | 3.1% | – |
| Buyback yield | 1.2% | – |
| Shareholder yield | 3.9% (better) | 0.00% |
| Ownership | ||
| Held by institutions | 105% | 77.1% |
| Held by insiders | 1.6% | 5.9% |
| Insider net buying, 12 months | −$4.1M | −$1.8M (better) |
| Short interest, % of float | 2.5% | 9.5% |
Go deeper
- HMN stock overview
- HMN income statement
- HMN valuation and score
- TRUP stock overview
- TRUP income statement
- TRUP valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.