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

Heritage Insurance Holdings, Inc. and Trupanion, Inc. are both Insurance Property & Casualty companies. Trupanion, Inc. is the larger, with a market value of $1.5B against $998.3M — 1.5× the size. Heritage Insurance Holdings, Inc. trades at the lower P/E: 4.8× against 56.6×. Trupanion, Inc. grew revenue faster over the last twelve months: 11.4% against 1.54%. Heritage Insurance Holdings, Inc. has the higher net margin (25.2% vs 1.71%) and the higher return on invested capital (489.1% vs 16.3%). Across the 20 metrics below, Heritage Insurance Holdings, Inc. leads on 14 and Trupanion, Inc. on 6.

Valuation

Metric HRTG TRUP Insurance Property & Casualty median
P/E 4.78 56.64 12.17
P/S 1.18 0.97 1.26
P/B 1.78 3.77 1.85
Price to free cash flow 3.36 17.37 8.04
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 20.91% 1.77% 8.20%
Free cash flow yield 29.77% 5.76% 11.86%

Profitability

Metric HRTG TRUP Insurance Property & Casualty median
Gross margin 45.39% 16.75% 37.39%
Operating margin 34.46% 0.00% 14.67%
Net margin 25.19% 1.71% 10.16%
Free cash flow margin 35.21% 5.56% 18.60%
Return on equity 45.27% 6.94% 16.59%
Return on assets 8.63% 2.96% 3.38%
Return on invested capital 489.08% 16.28% 9.43%

Growth

Metric HRTG TRUP Insurance Property & Casualty median
Revenue growth (TTM) 1.54% 11.41% 5.70%
EPS growth (last fiscal year) 214.43% 295.65% 39.61%
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 1.74 0.49
Net debt to EBITDA (1.77) (8.49) 0.08

Dividend

Metric HRTG TRUP Insurance Property & Casualty median
Dividend yield — — 1.56%
Payout ratio — — 0.15

Size

Metric HRTG TRUP Insurance Property & Casualty median
Market cap 998.32m 1.52b 2.64b

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