COMP <GO>
HMN vs PLGO // 10Y YIELD & FRED MACRO BETA
Horace Mann Educators Corporation (NYSE) VS. Pelagos Insurance Capital Limited (NYSE) • 15-METRIC TALLY: HMN 3
— PLGO 2
■ METRIC PARITY
LAST: $46.62 (+1.79%) • MKT CAP: $1.89B
macro-sensitivity
—
LAST: $26.12 (+1.91%) • MKT CAP: $2.26B
macro-sensitivity
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (HMN VS. PLGO)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | HMN | PLGO | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 10.90% | — | — | TIE | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | — | -18.08% | — | TIE | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 9.50% | — | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | 6.70% | 3.30% | +3.40 | HMN | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 3.02% | 0.00% | +3.02 | HMN | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 6/9 | 1/9 | +5.00 | HMN | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 51.0 | 66.2 | -15.24 | PLGO | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta ACTIVE | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 10.8x | — | — | TIE | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $1.89B | $2.26B | -$370.7M | PLGO | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | HMN REV | PLGO REV | HMN GROSS % | PLGO GROSS % | HMN FCF | PLGO FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $1.70B | $2.50B | — | — | $553.2M | -$408.3M |
| FY 2024 | $1.60B | $2.42B | — | — | $452.1M | $618.2M |
| FY 2023 | $1.49B | $3.60B | — | — | $302.1M | $495.2M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
HMN // BETA —
PLGO // BETA —