Root, Inc. (ROOT) vs Trupanion, Inc. (TRUP)

Root, Inc. and Trupanion, Inc. are both Insurance Property & Casualty companies. Trupanion, Inc. is the larger, with a market value of $983.6M against $750.2M — 1.3× the size. Root, Inc. trades at the lower P/E: 12.8× against 42.9×. Root, Inc. grew revenue faster over the last twelve months: 14.9% against 11.8%. Root, Inc. has the higher net margin (3.71% vs 1.53%) and the higher return on invested capital (85.8% vs 12.8%). Across the 21 metrics below, Root, Inc. leads on 17 and Trupanion, Inc. on 4.

Valuation

Metric ROOT TRUP Insurance Property & Casualty median
P/E 12.78 42.89 10.29
P/S 0.47 0.67 1.17
P/B 2.27 2.47 1.83
Price to free cash flow 4.18 12.32 7.48
EV/EBITDA 3.68 17.70 7.49
EV/Sales 0.23 0.47 1.13
Earnings yield 7.83% 2.33% 9.50%
Free cash flow yield 23.91% 8.11% 13.29%

Profitability

Metric ROOT TRUP Insurance Property & Casualty median
Gross margin 39.30% 16.55% 41.16%
Operating margin 5.51% 1.57% 15.09%
Net margin 3.71% 1.53% 11.51%
Free cash flow margin 11.43% 5.40% 17.59%
Return on equity 20.34% 6.07% 18.19%
Return on assets 3.57% 2.61% 3.74%
Return on invested capital 85.75% 12.78% 12.06%

Growth

Metric ROOT TRUP Insurance Property & Casualty median
Revenue growth (TTM) 14.86% 11.80% 8.69%
EPS growth (last fiscal year) 28.96% 295.65% —
Revenue growth, 5-year CAGR 34.33% 23.45% 9.23%
Net income growth, 5-year CAGR 0.00% 0.00% 10.09%

Health

Metric ROOT TRUP Insurance Property & Casualty median
Debt to equity 0.45 0.26 0.25
Current ratio 1.01 1.77 0.42
Net debt to EBITDA (6.65) (8.49) 0.08

Dividend

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

Size

Metric ROOT TRUP Insurance Property & Casualty median
Market cap 750.15m 983.62m 2.44b

Compare with another peer

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