Horace Mann [HMN] vs Skyward Specialty [SKWD] Detailed Stock Comparison
Horace Mann
NYSE
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Skyward Specialty
NASDAQ
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TLDR: Quick Comparison Summary
Based on 19 vital metrics comparison: Horace Mann wins in 11 metrics, Skyward Specialty wins in 6 metrics, with 1 ties. Horace Mann appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | Horace Mann | Skyward Specialty | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 13.14 | 14.64 | Horace Mann |
| Price-to-Book Ratio | 1.33 | 2.08 | Horace Mann |
| Debt-to-Equity Ratio | 40.25 | 13.29 | Skyward Specialty |
| PEG Ratio | 0.02 | 0.68 | Horace Mann |
| EV/EBITDA | 9.13 | 9.23 | Horace Mann |
| Profit Margin (TTM) | 8.50% | 10.53% | Skyward Specialty |
| Operating Margin (TTM) | 10.96% | 16.15% | Skyward Specialty |
| EBITDA Margin (TTM) | 10.96% | 16.15% | Skyward Specialty |
| Return on Equity | 10.91% | 16.26% | Skyward Specialty |
| Return on Assets (TTM) | 0.90% | 2.81% | Skyward Specialty |
| Free Cash Flow (TTM) | $452.10M | $300.89M | Horace Mann |
| Dividend Yield | 2.45% | N/A | N/A |
| 1-Year Return | 23.77% | 4.64% | Horace Mann |
| Price-to-Sales Ratio (TTM) | 1.10 | 1.49 | Horace Mann |
| Enterprise Value | $2.16B | $1.64B | Horace Mann |
| EV/Revenue Ratio | 1.31 | 1.31 | Tie |
| Revenue per Share (TTM) | $40 | $31 | Horace Mann |
| Earnings per Share (Diluted) | $3.38 | $3.16 | Horace Mann |
| Beta (Stock Volatility) | 0.22 | 0.57 | Horace Mann |
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends
Horace Mann vs Skyward Specialty Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Horace Mann | -0.27% | -3.03% | -3.81% | 4.25% | 3.11% | 14.78% |
| Skyward Specialty | 3.74% | -1.60% | -5.32% | -17.39% | -14.35% | -5.67% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Horace Mann | 23.77% | 23.16% | 29.70% | 28.02% | 141.10% | 136.47% |
| Skyward Specialty | 4.64% | 162.15% | -10.33% | -10.33% | -10.33% | -10.33% |
News Based Sentiment: Horace Mann vs Skyward Specialty
Horace Mann
News based Sentiment: MIXED
October brought a blend of positive and potentially concerning news for Horace Mann. The debt restructuring and credit rating are positive, but the insider selling and overvaluation signal from Simply Wall St create a mixed picture for investors. The month's events suggest a need for careful monitoring and valuation assessment.
Skyward Specialty
News based Sentiment: POSITIVE
Skyward Specialty is actively innovating with the EndWell Protection launch, demonstrating strong financial health, and receiving positive analyst ratings. While insider selling is a minor concern, the overall narrative points towards a positive outlook for the company and potential for future growth, making this a significant month for investors.
Performance & Financial Health Analysis: Horace Mann vs Skyward Specialty
| Metric | HMN | SKWD |
|---|---|---|
| Market Information | ||
| Market Cap | $1.86B | $1.87B |
| Market Cap Category | Small cap | Small cap |
| 10 Day Avg. Volume | 207,560 | 442,510 |
| 90 Day Avg. Volume | 227,630 | 517,240 |
| Last Close | $44.29 | $48.00 |
| 52 Week Range | $34.19 - $47.81 | $41.28 - $65.05 |
| % from 52W High | -7.36% | -26.21% |
| All-Time High | $48.15 (Sep 09, 2019) | $65.05 (Jun 02, 2025) |
| % from All-Time High | -8.02% | -26.21% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.06% | 0.14% |
| Quarterly Earnings Growth | 6.74% | 0.25% |
| Financial Health | ||
| Profit Margin (TTM) | 0.09% | 0.11% |
| Operating Margin (TTM) | 0.11% | 0.16% |
| Return on Equity (TTM) | 0.11% | 0.16% |
| Debt to Equity (MRQ) | 40.25 | 13.29 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $33.31 | $22.23 |
| Cash per Share (MRQ) | $4.77 | $8.67 |
| Operating Cash Flow (TTM) | $609.50M | $374.84M |
| Levered Free Cash Flow (TTM) | $175.68M | $-68,535,872 |
| Dividends | ||
| Last 12-Month Dividend Yield | 2.45% | N/A |
| Last 12-Month Dividend | $1.03 | $0.00 |
Valuation & Enterprise Metrics Analysis: Horace Mann vs Skyward Specialty
| Metric | HMN | SKWD |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 13.14 | 14.64 |
| Forward P/E | 12.04 | 14.15 |
| PEG Ratio | 0.02 | 0.68 |
| Price to Sales (TTM) | 1.10 | 1.49 |
| Price to Book (MRQ) | 1.33 | 2.08 |
| Market Capitalization | ||
| Market Capitalization | $1.86B | $1.87B |
| Enterprise Value | $2.16B | $1.64B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 1.31 | 1.31 |
| Enterprise to EBITDA | 9.13 | 9.23 |
| Risk & Other Metrics | ||
| Beta | 0.22 | 0.57 |
| Book Value per Share (MRQ) | $33.31 | $22.23 |
Financial Statements Comparison: Horace Mann vs Skyward Specialty
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) | HMN | SKWD |
|---|---|---|
| Revenue/Sales | $391.60M | $320.80M |
| Cost of Goods Sold | N/A | N/A |
| Gross Profit | N/A | N/A |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | N/A | N/A |
| EBITDA | N/A | N/A |
| Pre-Tax Income | $36.50M | $49.80M |
| Income Tax | $7.10M | $10.96M |
| Net Income (Profit) | $29.40M | $38.84M |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | HMN | SKWD |
|---|---|---|
| Cash & Equivalents | $29.00M | $112.92M |
| Total Current Assets | N/A | N/A |
| Total Current Liabilities | N/A | N/A |
| Long-Term Debt | $547.20M | $76.55M |
| Total Shareholders Equity | $1.34B | $850.72M |
| Retained Earnings | $1.57B | $139.18M |
| Property, Plant & Equipment | N/A | N/A |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | HMN | SKWD |
|---|---|---|
| Operating Cash Flow | $95.00M | $96.76M |
| Capital Expenditures | N/A | $-202,000 |
| Free Cash Flow | $140.80M | $96.56M |
| Debt Repayment | $-287.00M | $0 |
| Common Stock Repurchase | $-200,000 | N/A |
Short Interest & Institutional Ownership Analysis
| Metric | HMN | SKWD |
|---|---|---|
| Shares Short | 590,839 | 884,234 |
| Short Ratio | 3.10 | 1.84 |
| Short % of Float | 0.02% | 0.02% |
| Average Daily Volume (10 Day) | 207,560 | 442,510 |
| Average Daily Volume (90 Day) | 227,630 | 517,240 |
| Shares Outstanding | 40.86M | 40.13M |
| Float Shares | 40.45M | 37.43M |
| % Held by Insiders | 0.02% | 0.13% |
| % Held by Institutions | 1.04% | 0.94% |
Dividend Analysis & Yield Comparison: Horace Mann vs Skyward Specialty
| Metric | HMN | SKWD |
|---|---|---|
| Last 12-Month Dividend | $1.03 | $0.00 |
| Last 12-Month Dividend Yield | 2.45% | N/A |
| 3-Year Avg Annual Dividend | $1.00 | $0.00 |
| 3-Year Avg Dividend Yield | 0.95% | N/A |
| 3-Year Total Dividends | $3.01 | $0.00 |
| Ex-Dividend Date | Mar 17, 2025 | N/A |