Donegal Group, Inc. (DGICA) vs Trupanion, Inc. (TRUP)

Donegal Group, Inc. and Trupanion, Inc. are both Insurance Property & Casualty companies. Trupanion, Inc. is the larger, with a market value of $1.2B against $691.1M — 1.8× the size. Donegal Group, Inc. trades at the lower P/E: 9.5× against 52.1×. Trupanion, Inc. grew revenue faster over the last twelve months: 11.8% against −3.14%. Donegal Group, Inc. has the higher net margin (7.38% vs 1.53%) and the lower return on invested capital (8.21% vs 12.8%). Across the 20 metrics below, Donegal Group, Inc. leads on 14 and Trupanion, Inc. on 6.

Valuation

Metric DGICA TRUP Insurance Property & Casualty median
P/E 9.53 52.07 10.75
P/S 0.72 0.81 1.21
P/B 1.04 3.00 1.99
Price to free cash flow 11.85 14.96 7.76
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 10.49% 1.92% 9.08%
Free cash flow yield 8.44% 6.68% 12.11%

Profitability

Metric DGICA TRUP Insurance Property & Casualty median
Gross margin 24.57% 16.55% 41.16%
Operating margin 9.25% 1.57% 15.09%
Net margin 7.38% 1.53% 11.51%
Free cash flow margin 6.06% 5.40% 17.46%
Return on equity 11.18% 6.07% 17.34%
Return on assets 2.91% 2.61% 3.74%
Return on invested capital 8.21% 12.78% 12.06%

Growth

Metric DGICA TRUP Insurance Property & Casualty median
Revenue growth (TTM) (3.14%) 11.80% 8.02%
EPS growth (last fiscal year) 42.48% 295.65% 39.61%
Revenue growth, 5-year CAGR 4.69% 23.45% 9.23%
Net income growth, 5-year CAGR 8.48% 0.00% 10.09%

Health

Metric DGICA TRUP Insurance Property & Casualty median
Debt to equity 0.05 0.26 0.25
Current ratio 0.37 1.77 0.42
Net debt to EBITDA 0.08 (8.49) 0.08

Dividend

Metric DGICA TRUP Insurance Property & Casualty median
Dividend yield 4.01% — 1.50%
Payout ratio 0.39 — 0.14

Size

Metric DGICA TRUP Insurance Property & Casualty median
Market cap 691.06m 1.22b 2.67b

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