COMP <GO>
HCI vs HMN // OPERATING MARGIN
HCI Group Inc. (NYSE) VS. Horace Mann Educators Corporation (NYSE) • 15-METRIC TALLY: HCI 6
— HMN 1
■ METRIC PARITY
LAST: $201.68 (+0.12%) • MKT CAP: $2.51B
operating-margins
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LAST: $47.47 (-0.65%) • MKT CAP: $1.94B
operating-margins
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15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (HCI VS. HMN)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | HCI | HMN | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 30.80% | 10.90% | +19.90 | HCI | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 17.88% | — | — | TIE | /fcf-yield <GO> |
| Operating Margin ACTIVE | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 35.60% | 9.50% | +26.10 | HCI | /net-margins <GO> |
| Revenue Growth (YoY) | 20.10% | 6.70% | +13.40 | HCI | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.78% | 3.02% | -2.24 | HMN | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 6/9 | 6/9 | 0.00 | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 60.3 | 59.8 | +0.50 | HCI | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 6.5x | 10.8x | -4.30 | HCI | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $2.51B | $1.94B | $570.4M | HCI | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | HCI REV | HMN REV | HCI GROSS % | HMN GROSS % | HCI FCF | HMN FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $900.9M | $1.70B | — | — | $440.8M | $553.2M |
| FY 2024 | $750.1M | $1.60B | — | — | $327.8M | $452.1M |
| FY 2023 | $550.7M | $1.49B | — | — | $230.7M | $302.1M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
HCI // BETA —
HMN // BETA —