Trupanion [TRUP] vs Horace Mann [HMN] Detailed Stock Comparison
Trupanion
NASDAQ
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Horace Mann
NYSE
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TLDR: Quick Comparison Summary
Based on 20 vital metrics comparison: Trupanion wins in 3 metrics, Horace Mann wins in 15 metrics, with 0 ties. Horace Mann appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | Trupanion | Horace Mann | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 174.00 | 14.07 | Horace Mann |
| Price-to-Book Ratio | 5.26 | 1.41 | Horace Mann |
| Debt-to-Equity Ratio | 32.20 | 40.25 | Trupanion |
| PEG Ratio | -0.68 | 0.02 | Trupanion |
| EV/EBITDA | 67.54 | 9.57 | Horace Mann |
| Profit Margin (TTM) | 0.81% | 8.50% | Horace Mann |
| Operating Margin (TTM) | 0.65% | 10.96% | Horace Mann |
| EBITDA Margin (TTM) | 0.65% | 10.96% | Horace Mann |
| Return on Equity | 3.33% | 10.91% | Horace Mann |
| Return on Assets (TTM) | 0.65% | 0.90% | Horace Mann |
| Free Cash Flow (TTM) | $38.57M | $452.10M | Horace Mann |
| Dividend Yield | N/A | 2.45% | N/A |
| 1-Year Return | 3.90% | 31.45% | Horace Mann |
| Price-to-Sales Ratio (TTM) | 1.37 | 1.17 | Horace Mann |
| Enterprise Value | $1.66B | $2.27B | Horace Mann |
| EV/Revenue Ratio | 1.22 | 1.37 | Trupanion |
| Gross Profit Margin (TTM) | 15.51% | N/A | N/A |
| Revenue per Share (TTM) | $32 | $40 | Horace Mann |
| Earnings per Share (Diluted) | $0.25 | $3.34 | Horace Mann |
| Beta (Stock Volatility) | 1.72 | 0.28 | Horace Mann |
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends
Trupanion vs Horace Mann Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Trupanion | -0.58% | 4.05% | -8.48% | -15.92% | 23.19% | -7.74% |
| Horace Mann | -2.79% | -1.66% | 2.33% | 8.37% | 9.02% | 18.07% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Trupanion | 3.90% | -25.00% | -39.23% | 439.03% | 290.09% | 290.09% |
| Horace Mann | 31.45% | 25.77% | 38.47% | 32.21% | 159.10% | 136.93% |
News Based Sentiment: Trupanion vs Horace Mann
Trupanion
News based Sentiment: MIXED
Trupanion reported a strong Q2 2025, leading to analyst upgrades and positive investor reaction. However, the subsequent insider selling and a reduction in Goldman Sachs’ stake introduce uncertainty, creating a mixed investment narrative. The company's expansion into the Canadian market adds another layer to the story.
Horace Mann
News based Sentiment: POSITIVE
September brought a strong earnings report and raised guidance for Horace Mann, driving the stock to a new 52-week high. While insider selling introduces a note of caution, the overall narrative is positive, suggesting the company is effectively managing profitability and returning value to shareholders despite revenue challenges.
Performance & Financial Health Analysis: Trupanion vs Horace Mann
| Metric | TRUP | HMN |
|---|---|---|
| Market Information | ||
| Market Cap | $1.87B | $1.88B |
| Market Cap Category | Small cap | Small cap |
| 10 Day Avg. Volume | 402,897 | 199,520 |
| 90 Day Avg. Volume | 522,722 | 201,993 |
| Last Close | $44.47 | $45.68 |
| 52 Week Range | $31.00 - $57.90 | $33.65 - $47.81 |
| % from 52W High | -23.20% | -4.46% |
| All-Time High | $158.25 (Dec 06, 2021) | $48.15 (Sep 09, 2019) |
| % from All-Time High | -71.90% | -5.13% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.12% | 0.06% |
| Quarterly Earnings Growth | 0.12% | 6.74% |
| Financial Health | ||
| Profit Margin (TTM) | 0.01% | 0.09% |
| Operating Margin (TTM) | 0.01% | 0.11% |
| Return on Equity (TTM) | 0.03% | 0.11% |
| Debt to Equity (MRQ) | 32.20 | 40.25 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $8.27 | $33.31 |
| Cash per Share (MRQ) | $7.43 | $4.77 |
| Operating Cash Flow (TTM) | $69.99M | $609.50M |
| Levered Free Cash Flow (TTM) | $4.49M | $175.68M |
| Dividends | ||
| Last 12-Month Dividend Yield | N/A | 2.45% |
| Last 12-Month Dividend | N/A | $1.03 |
Valuation & Enterprise Metrics Analysis: Trupanion vs Horace Mann
| Metric | TRUP | HMN |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 174.00 | 14.07 |
| Forward P/E | 725.00 | 12.73 |
| PEG Ratio | -0.68 | 0.02 |
| Price to Sales (TTM) | 1.37 | 1.17 |
| Price to Book (MRQ) | 5.26 | 1.41 |
| Market Capitalization | ||
| Market Capitalization | $1.87B | $1.88B |
| Enterprise Value | $1.66B | $2.27B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 1.22 | 1.37 |
| Enterprise to EBITDA | 67.54 | 9.57 |
| Risk & Other Metrics | ||
| Beta | 1.72 | 0.28 |
| Book Value per Share (MRQ) | $8.27 | $33.31 |
Financial Statements Comparison: Trupanion vs Horace Mann
Financial Metrics
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Revenue
EBITDA
Operating Margin
Free Cash Flow
Long Term Debt
Profit Margin
Current Ratio
Operating Cash Flow
Income Statement (MRQ)
| Metric (MRQ) | TRUP | HMN |
|---|---|---|
| Revenue/Sales | $353.56M | $391.60M |
| Cost of Goods Sold | $298.73M | N/A |
| Gross Profit | $54.83M | N/A |
| Research & Development | $8.59M | N/A |
| Operating Income (EBIT) | $22.16M | N/A |
| EBITDA | $38.03M | N/A |
| Pre-Tax Income | $10.55M | $36.50M |
| Income Tax | $1.13M | $7.10M |
| Net Income (Profit) | $9.41M | $29.40M |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | TRUP | HMN |
|---|---|---|
| Cash & Equivalents | $166.31M | $29.00M |
| Total Current Assets | $628.34M | N/A |
| Total Current Liabilities | $369.34M | N/A |
| Long-Term Debt | $127.53M | $547.20M |
| Total Shareholders Equity | $333.67M | $1.34B |
| Retained Earnings | $-227.37M | $1.57B |
| Property, Plant & Equipment | N/A | N/A |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | TRUP | HMN |
|---|---|---|
| Operating Cash Flow | $16.17M | $95.00M |
| Capital Expenditures | $-1.93M | N/A |
| Free Cash Flow | $14.04M | $140.80M |
| Debt Repayment | $-338,000 | $-287.00M |
| Common Stock Repurchase | $-915,000 | $-200,000 |
Short Interest & Institutional Ownership Analysis
| Metric | TRUP | HMN |
|---|---|---|
| Shares Short | 7.06M | 596,964 |
| Short Ratio | 12.58 | 2.76 |
| Short % of Float | 0.20% | 0.02% |
| Average Daily Volume (10 Day) | 402,897 | 199,520 |
| Average Daily Volume (90 Day) | 522,722 | 201,993 |
| Shares Outstanding | 42.49M | 40.86M |
| Float Shares | 33.44M | 40.45M |
| % Held by Insiders | 0.06% | 0.02% |
| % Held by Institutions | 0.98% | 1.03% |
Dividend Analysis & Yield Comparison: Trupanion vs Horace Mann
| Metric | TRUP | HMN |
|---|---|---|
| Last 12-Month Dividend | N/A | $1.03 |
| Last 12-Month Dividend Yield | N/A | 2.45% |
| 3-Year Avg Annual Dividend | N/A | $1.00 |
| 3-Year Avg Dividend Yield | N/A | 0.95% |
| 3-Year Total Dividends | N/A | $3.01 |
| Ex-Dividend Date | N/A | Mar 17, 2025 |