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Screener Weekly Summary Pricing

Heritage Insurance Holdings, Inc. (HRTG) vs Trupanion, Inc. (TRUP)

Heritage Insurance Holdings, Inc. and Trupanion, Inc. are both Insurance Property & Casualty companies. Heritage Insurance Holdings, Inc. and Trupanion, Inc. are of similar size ($986.5M and $983.6M). Heritage Insurance Holdings, Inc. trades at the lower P/E: 4.7× against 42.9×. Trupanion, Inc. grew revenue faster over the last twelve months: 11.8% against 1.54%. Heritage Insurance Holdings, Inc. has the higher net margin (25.2% vs 1.53%) and the higher return on invested capital (489.1% vs 12.8%). Across the 22 metrics below, Heritage Insurance Holdings, Inc. leads on 15 and Trupanion, Inc. on 7.

Valuation

Metric HRTG TRUP Insurance Property & Casualty median
P/E 4.73 42.89 10.29
P/S 1.17 0.67 1.17
P/B 1.76 2.47 1.83
Price to free cash flow 3.32 12.32 7.48
EV/EBITDA 1.53 17.70 7.49
EV/Sales 0.55 0.47 1.13
Earnings yield 21.16% 2.33% 9.50%
Free cash flow yield 30.13% 8.11% 13.29%

Profitability

Metric HRTG TRUP Insurance Property & Casualty median
Gross margin 45.39% 16.55% 41.16%
Operating margin 34.46% 1.57% 15.09%
Net margin 25.19% 1.53% 11.51%
Free cash flow margin 35.21% 5.40% 17.59%
Return on equity 45.27% 6.07% 18.19%
Return on assets 8.63% 2.61% 3.74%
Return on invested capital 489.08% 12.78% 12.06%

Growth

Metric HRTG TRUP Insurance Property & Casualty median
Revenue growth (TTM) 1.54% 11.80% 8.69%
EPS growth (last fiscal year) 214.43% 295.65% —
Revenue growth, 5-year CAGR 7.38% 23.45% 9.23%
Net income growth, 5-year CAGR 83.79% 0.00% 10.09%

Health

Metric HRTG TRUP Insurance Property & Casualty median
Debt to equity 0.13 0.26 0.25
Current ratio 0.83 1.77 0.42
Net debt to EBITDA (1.77) (8.49) 0.08

Dividend

Metric HRTG TRUP Insurance Property & Casualty median
Dividend yield 16.22% — 2.79%
Payout ratio 0.00 0.00 0.27

Size

Metric HRTG TRUP Insurance Property & Casualty median
Market cap 986.52m 983.62m 2.44b

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