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

TLDR: Quick Comparison Summary

Based on 20 vital metrics comparison: Horace Mann wins in 15 metrics, Trupanion wins in 3 metrics, with 0 ties. Horace Mann appears stronger overall.

View Metrics Details

Vital Metrics Comparison

MetricHorace MannTrupanionBetter
P/E Ratio (TTM)13.14173.92Horace Mann
Price-to-Book Ratio1.335.26Horace Mann
Debt-to-Equity Ratio40.2532.20Trupanion
PEG Ratio0.02-0.68Trupanion
EV/EBITDA9.1367.57Horace Mann
Profit Margin (TTM)8.50%0.81%Horace Mann
Operating Margin (TTM)10.96%0.65%Horace Mann
EBITDA Margin (TTM)10.96%0.65%Horace Mann
Return on Equity10.91%3.33%Horace Mann
Return on Assets (TTM)0.90%0.65%Horace Mann
Free Cash Flow (TTM)$452.10M$38.57MHorace Mann
Dividend Yield2.45%N/AN/A
1-Year Return26.94%-14.22%Horace Mann
Price-to-Sales Ratio (TTM)1.101.37Horace Mann
Enterprise Value$2.16B$1.66BHorace Mann
EV/Revenue Ratio1.311.22Trupanion
Gross Profit Margin (TTM)N/A15.51%N/A
Revenue per Share (TTM)$40$32Horace Mann
Earnings per Share (Diluted)$3.38$0.25Horace Mann
Beta (Stock Volatility)0.221.84Horace Mann
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends

Horace Mann vs Trupanion Stock Performance Analysis

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Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Horace Mann-0.27%-1.40%-4.55%5.96%9.57%14.47%
Trupanion-3.27%-4.02%-3.04%-18.93%22.09%-12.74%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Horace Mann26.94%14.06%24.06%27.56%137.23%133.72%
Trupanion-14.22%-19.41%-54.52%477.75%268.95%268.95%

News Based Sentiment: Horace Mann vs Trupanion

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.

View Horace Mann News Sentiment Analysis

Trupanion

News based Sentiment: MIXED

October was a month of conflicting signals for Trupanion, with strong financial results countered by a flat share price, insider selling, and a potentially overvalued stock. The upcoming Q3 earnings report will be critical in clarifying the company's trajectory and resolving these mixed signals for investors.

View Trupanion News Sentiment Analysis

Performance & Financial Health Analysis: Horace Mann vs Trupanion

MetricHMNTRUP
Market Information
Market Cap i$1.86B$1.87B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i207,560347,480
90 Day Avg. Volume i227,630429,820
Last Close$44.29$42.06
52 Week Range$34.19 - $47.81$31.00 - $57.90
% from 52W High-7.36%-27.36%
All-Time High$48.15 (Sep 09, 2019)$158.25 (Dec 06, 2021)
% from All-Time High-8.02%-73.42%
Growth Metrics
Quarterly Revenue Growth0.06%0.12%
Quarterly Earnings Growth6.74%0.12%
Financial Health
Profit Margin (TTM) i0.09%0.01%
Operating Margin (TTM) i0.11%0.01%
Return on Equity (TTM) i0.11%0.03%
Debt to Equity (MRQ) i40.2532.20
Cash & Liquidity
Book Value per Share (MRQ)$33.31$8.27
Cash per Share (MRQ)$4.77$7.43
Operating Cash Flow (TTM) i$609.50M$69.99M
Levered Free Cash Flow (TTM) i$175.68M$4.49M
Dividends
Last 12-Month Dividend Yield i2.45%N/A
Last 12-Month Dividend i$1.03N/A

Valuation & Enterprise Metrics Analysis: Horace Mann vs Trupanion

MetricHMNTRUP
Price Ratios
P/E Ratio (TTM) i13.14173.92
Forward P/E i12.04724.67
PEG Ratio i0.02-0.68
Price to Sales (TTM) i1.101.37
Price to Book (MRQ) i1.335.26
Market Capitalization
Market Capitalization i$1.86B$1.87B
Enterprise Value i$2.16B$1.66B
Enterprise Value Metrics
Enterprise to Revenue i1.311.22
Enterprise to EBITDA i9.1367.57
Risk & Other Metrics
Beta i0.221.84
Book Value per Share (MRQ) i$33.31$8.27

Financial Statements Comparison: Horace Mann vs Trupanion

Financial Metrics

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Revenue

EBITDA

Shareholders Equity

Operating Margin

Free Cash Flow

Long Term Debt

Profit Margin

Current Ratio

Operating Cash Flow

Income Statement (MRQ)

Metric (MRQ)HMNTRUP
Revenue/Sales i$391.60M$353.56M
Cost of Goods Sold iN/A$298.73M
Gross Profit iN/A$54.83M
Research & Development iN/A$8.59M
Operating Income (EBIT) iN/A$22.16M
EBITDA iN/A$38.03M
Pre-Tax Income i$36.50M$10.55M
Income Tax i$7.10M$1.13M
Net Income (Profit) i$29.40M$9.41M

Balance Sheet & Liquidity Metrics (MRQ)

Metric (MRQ)HMNTRUP
Cash & Equivalents i$29.00M$166.31M
Total Current Assets iN/A$628.34M
Total Current Liabilities iN/A$369.34M
Long-Term Debt i$547.20M$127.53M
Total Shareholders Equity i$1.34B$333.67M
Retained Earnings i$1.57B$-227.37M
Property, Plant & Equipment iN/AN/A

Cash Flow Statement Comparison (MRQ)

Metric (MRQ)HMNTRUP
Operating Cash Flow i$95.00M$16.17M
Capital Expenditures iN/A$-1.93M
Free Cash Flow i$140.80M$14.04M
Debt Repayment i$-287.00M$-338,000
Common Stock Repurchase i$-200,000$-915,000

Short Interest & Institutional Ownership Analysis

MetricHMNTRUP
Shares Short i590,8397.07M
Short Ratio i3.1015.91
Short % of Float i0.02%0.20%
Average Daily Volume (10 Day) i207,560347,480
Average Daily Volume (90 Day) i227,630429,820
Shares Outstanding i40.86M42.49M
Float Shares i40.45M33.44M
% Held by Insiders i0.02%0.06%
% Held by Institutions i1.04%0.98%

Dividend Analysis & Yield Comparison: Horace Mann vs Trupanion

MetricHMNTRUP
Last 12-Month Dividend i$1.03N/A
Last 12-Month Dividend Yield i2.45%N/A
3-Year Avg Annual Dividend i$1.00N/A
3-Year Avg Dividend Yield i0.95%N/A
3-Year Total Dividends i$3.01N/A
Ex-Dividend DateMar 17, 2025N/A