COMP <GO>
SAFT vs HMN // EV/EBITDA & P/E VALUATION
Safety Insurance Group Inc. (NASDAQ) VS. Horace Mann Educators Corporation (NYSE) • 15-METRIC TALLY: SAFT 4
— HMN 3
■ METRIC PARITY
LAST: $103.95 (0.00%) • MKT CAP: $1.53B
valuation
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LAST: $46.62 (+1.79%) • MKT CAP: $1.89B
valuation
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (SAFT VS. HMN)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | SAFT | HMN | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 11.10% | 10.90% | +0.20 | SAFT | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 12.58% | — | — | TIE | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 7.90% | 9.50% | -1.60 | HMN | /net-margins <GO> |
| Revenue Growth (YoY) | 12.80% | 6.70% | +6.10 | SAFT | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 3.53% | 3.02% | +0.51 | SAFT | /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 | 55.3 | 51.0 | +4.35 | SAFT | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 12.9x | 10.8x | +2.10 | HMN | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $1.53B | $1.89B | -$362.1M | HMN | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | SAFT REV | HMN REV | SAFT GROSS % | HMN GROSS % | SAFT FCF | HMN FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $1.26B | $1.70B | — | — | $192.0M | $553.2M |
| FY 2024 | $1.12B | $1.60B | — | — | $124.3M | $452.1M |
| FY 2023 | $931.0M | $1.49B | — | — | $52.1M | $302.1M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
SAFT // BETA —
HMN // BETA —