Ategrity Specialty Insurance Company Holdings (ASIC) vs Trupanion, Inc. (TRUP)

Ategrity Specialty Insurance Company Holdings and Trupanion, Inc. are both Insurance Property & Casualty companies. Ategrity Specialty Insurance Company Holdings is the larger, with a market value of $1.3B against $983.6M — 1.3× the size. Ategrity Specialty Insurance Company Holdings trades at the lower P/E: 12.3× against 42.9×. Ategrity Specialty Insurance Company Holdings grew revenue faster over the last twelve months: 36.6% against 11.8%. Ategrity Specialty Insurance Company Holdings has the higher net margin (20.5% vs 1.53%) and the higher return on invested capital (14.1% vs 12.8%). Across the 20 metrics below, Ategrity Specialty Insurance Company Holdings leads on 15 and Trupanion, Inc. on 5.

Valuation

Metric ASIC TRUP Insurance Property & Casualty median
P/E 12.29 42.89 10.29
P/S 2.52 0.67 1.17
P/B 1.94 2.47 1.83
Price to free cash flow 7.52 12.32 7.48
EV/EBITDA 8.82 17.70 7.49
EV/Sales 2.46 0.47 1.13
Earnings yield 8.14% 2.33% 9.50%
Free cash flow yield 13.29% 8.11% 13.29%

Profitability

Metric ASIC TRUP Insurance Property & Casualty median
Gross margin 28.38% 16.55% 41.16%
Operating margin 27.87% 1.57% 15.09%
Net margin 20.50% 1.53% 11.51%
Free cash flow margin 33.51% 5.40% 17.59%
Return on equity 17.22% 6.07% 18.19%
Return on assets 7.00% 2.61% 3.74%
Return on invested capital 14.08% 12.78% 12.06%

Growth

Metric ASIC TRUP Insurance Property & Casualty median
Revenue growth (TTM) 36.63% 11.80% 8.69%
EPS growth (last fiscal year) 7.33% 295.65% —
Revenue growth, 5-year CAGR — 23.45% 9.23%
Net income growth, 5-year CAGR — 0.00% 10.09%

Health

Metric ASIC TRUP Insurance Property & Casualty median
Debt to equity 0.00 0.26 0.25
Current ratio 0.53 1.77 0.42
Net debt to EBITDA (0.30) (8.49) 0.08

Dividend

Metric ASIC TRUP Insurance Property & Casualty median
Dividend yield — — 2.79%
Payout ratio — 0.00 0.27

Size

Metric ASIC TRUP Insurance Property & Casualty median
Market cap 1.27b 983.62m 2.44b

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack