Trupanion [TRUP] vs Horace Mann [HMN] Detailed Stock Comparison

Trupanion Inc.

NASDAQ
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Horace Mann Educators Corp.

NYSE
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TLDR: Quick Comparison Summary

Based on 21 vital metrics comparison: Trupanion Inc. wins in 5 metrics, Horace Mann Educators Corp. wins in 14 metrics, with 0 ties. Horace Mann Educators Corp. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Trupanion Inc. Horace Mann Educators Corp. Better
P/E Ratio (TTM) 61.02 11.62 Horace Mann Educators Corp.
Price-to-Book Ratio 3.10 1.24 Horace Mann Educators Corp.
Debt-to-Equity Ratio 32.80 110.13 Trupanion Inc.
PEG Ratio 0.27 9.01 Trupanion Inc.
EV/EBITDA 30.47 12.20 Horace Mann Educators Corp.
Profit Margin (TTM) 1.35% 9.53% Horace Mann Educators Corp.
Operating Margin (TTM) 2.19% 12.81% Horace Mann Educators Corp.
EBITDA Margin (TTM) 2.19% 12.81% Horace Mann Educators Corp.
Return on Equity 5.50% 11.70% Horace Mann Educators Corp.
Return on Assets (TTM) 1.11% 1.00% Trupanion Inc.
Free Cash Flow (TTM) $75.36M $553.20M Horace Mann Educators Corp.
Dividend Yield N/A 3.32% N/A
1-Year Return -53.47% 14.19% Horace Mann Educators Corp.
Price-to-Sales Ratio (TTM) 0.83 1.08 Trupanion Inc.
Enterprise Value $947.81M $3.23B Horace Mann Educators Corp.
EV/Revenue Ratio 0.66 1.90 Trupanion Inc.
Gross Profit Margin (TTM) 17.26% N/A N/A
Revenue per Share (TTM) $34 $41 Horace Mann Educators Corp.
Earnings per Share (Diluted) $0.45 $3.90 Horace Mann Educators Corp.
Beta (Stock Volatility) 1.66 0.05 Horace Mann Educators Corp.
Short % of Float 9.97% 2.93% Horace Mann Educators Corp.

Trupanion Inc. vs Horace Mann Educators Corp. Stock Performance Analysis

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TRUP
HMN

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Trupanion Inc.1.06%8.39%7.03%-5.76%-34.95%-35.75%
Horace Mann Educators Corp.-1.15%3.67%7.36%13.75%4.84%6.91%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Trupanion Inc.-53.47%-9.32%-77.39%82.20%107.46%107.46%
Horace Mann Educators Corp.14.19%60.46%30.40%51.18%229.91%190.83%

Performance & Financial Health Analysis: Trupanion Inc. vs Horace Mann Educators Corp.

MetricTRUPHMN
Market Information
Market Cap i$1.19B$1.87B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i305,540156,434
90 Day Avg. Volume i355,213234,231
Last Close$23.90$48.30
52 Week Range$21.16 - $57.88$40.04 - $49.60
% from 52W High-58.71%-2.62%
All-Time High$158.25 (Dec 06, 2021)$49.60 (Jun 12, 2026)
% from All-Time High-84.90%-2.62%
Growth Metrics
Quarterly Revenue Growth0.12%0.06%
Quarterly Earnings Growth2.40%-0.05%
Financial Health
Profit Margin (TTM) i0.01%0.10%
Operating Margin (TTM) i0.02%0.13%
Return on Equity (TTM) i0.06%0.12%
Debt to Equity (MRQ) i32.80110.13
Cash & Liquidity
Book Value per Share (MRQ)$8.85$36.47
Cash per Share (MRQ)$8.54$5.85
Operating Cash Flow (TTM) i$89.49M$553.20M
Levered Free Cash Flow (TTM) i$-23,275,000$197.05M
Dividends
Last 12-Month Dividend Yield iN/A3.32%
Last 12-Month Dividend iN/A$1.41

Valuation & Enterprise Metrics Analysis: Trupanion Inc. vs Horace Mann Educators Corp.

MetricTRUP (Apr 26, 2026)HMN (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i61.0211.62
Forward P/E i6.469.01
PEG Ratio i0.279.01
Price to Sales (TTM) i0.831.08
Price to Book (MRQ) i3.101.24
Market Capitalization
Market Capitalization i$1.19B$1.87B
Enterprise Value i$947.81M$3.23B
Enterprise Value Metrics
Enterprise to Revenue i0.661.90
Enterprise to EBITDA i30.4712.20
Risk & Other Metrics
Beta i1.660.05
Book Value per Share (MRQ) i$8.85$36.47

Financial Statements Comparison: Trupanion Inc. vs Horace Mann Educators Corp.

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricTRUP (2025)HMN (2025)
Revenue/Sales i1.44B1.62B
Cost of Goods Sold i1.21BN/A
COGS % of Revenue i83.9%0.0%
Gross Profit i231.01MN/A
Gross Margin i16.1%0.0%
Research & Development i37.85MN/A
Operating Income (EBIT) i100.68MN/A
Operating Margin i7.0%0.0%
EBITDA i138.13MN/A
EBITDA Margin i9.6%0.0%
Pre-Tax Income i21.99M201.20M
Pre-Tax Income % of Revenue i1.5%12.4%
Income Tax i2.56M39.10M
Income Tax % of Revenue i0.2%2.4%
Net Income (Profit) i19.43M162.10M
Profit Margin i1.4%10.0%

Balance Sheet & Liquidity Metrics

MetricTRUP (2025)HMN (2025)
Cash & Equivalents i138.02M26.20M
Total Current Assets i691.06MN/A
Total Current Assets % of Revenue i48.0%0.0%
Total Current Liabilities i409.81MN/A
Total Current Liabilities % of Revenue i28.5%0.0%
Long-Term Debt i101.78M593.40M
Long-Term Debt % of Revenue i7.1%36.5%
Total Shareholders Equity i383.94M1.48B
Retained Earnings i-206.46M1.65B
Retained Earnings % of Revenue i-14.3%101.6%
Property, Plant & Equipment i0N/A

Cash Flow Statement Comparison

MetricTRUP (2025)HMN (2025)
Operating Cash Flow i97.31M390.70M
Operating Cash Flow % of Revenue i6.8%24.0%
Capital Expenditures i-14.13MN/A
Free Cash Flow i75.36M553.20M
FCF Margin i5.2%34.0%
Debt Repayment i-134.44M-759.50M
Common Stock Repurchase i-3.71M-20.80M

Short Interest & Institutional Ownership Analysis

MetricTRUPHMN
Shares Short i3.60M857,831
Short Ratio i9.593.01
Short % of Float i9.97%2.93%
Shares Outstanding i43.40M40.66M
Float Shares i34.52M40.21M
% Held by Insiders i15.66%1.61%
% Held by Institutions i84.69%103.41%
% Held by Public i-0.35%-5.02%

Dividend Analysis & Yield Comparison: Trupanion Inc. vs Horace Mann Educators Corp.

MetricTRUPHMN
Last 12-Month Dividend iN/A$1.41
Last 12-Month Dividend Yield iN/A3.32%
3-Year Avg Annual Dividend iN/A$1.37
3-Year Avg Dividend Yield iN/A0.93%
3-Year Total Dividends iN/A$4.11
Ex-Dividend DateN/AMar 17, 2026