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HCI Group, Inc. (HCI) vs Trupanion, Inc. (TRUP)

HCI Group, Inc. and Trupanion, Inc. are both Insurance Property & Casualty companies. HCI Group, Inc. is the larger, with a market value of $2.4B against $1.5B — 1.6× the size. HCI Group, Inc. trades at the lower P/E: 7.2× against 60.0×. HCI Group, Inc. grew revenue faster over the last twelve months: 20.1% against 11.4%. HCI Group, Inc. has the higher net margin (32.2% vs 1.71%) and the higher return on invested capital (56.7% vs 16.3%). Across the 20 metrics below, HCI Group, Inc. leads on 16 and Trupanion, Inc. on 4.

Valuation

Metric HCI TRUP Insurance Property & Casualty median
P/E 7.17 59.97 11.90
P/S 2.31 1.02 1.24
P/B 1.86 4.00 1.86
Price to free cash flow 4.96 18.39 7.91
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 13.95% 1.67% 8.14%
Free cash flow yield 20.15% 5.44% 11.91%

Profitability

Metric HCI TRUP Insurance Property & Casualty median
Gross margin 60.98% 16.75% 39.44%
Operating margin 50.08% 0.00% 14.71%
Net margin 32.23% 1.71% 10.47%
Free cash flow margin 46.70% 5.56% 18.60%
Return on equity 30.54% 6.94% 16.87%
Return on assets 12.49% 2.96% 3.49%
Return on invested capital 56.67% 16.28% 11.84%

Growth

Metric HCI TRUP Insurance Property & Casualty median
Revenue growth (TTM) 20.10% 11.41% 5.51%
EPS growth (last fiscal year) 155.57% 295.65% 39.61%
Revenue growth, 5-year CAGR 23.75% 23.45% 9.23%
Net income growth, 5-year CAGR 61.50% 0.00% 10.09%

Health

Metric HCI TRUP Insurance Property & Casualty median
Debt to equity 0.06 0.26 0.25
Current ratio 0.60 1.74 0.49
Net debt to EBITDA (2.56) (8.49) 0.08

Dividend

Metric HCI TRUP Insurance Property & Casualty median
Dividend yield 0.86% — 1.59%
Payout ratio 0.06 — 0.15

Size

Metric HCI TRUP Insurance Property & Casualty median
Market cap 2.39b 1.52b 2.62b

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