Stewart Information Services Corporation (STC) vs Trupanion, Inc. (TRUP)

Stewart Information Services Corporation and Trupanion, Inc. are both Insurance Property & Casualty companies. Stewart Information Services Corporation is the larger, with a market value of $1.6B against $1.2B — 1.3× the size. Stewart Information Services Corporation trades at the lower P/E: 11.5× against 52.1×. Stewart Information Services Corporation grew revenue faster over the last twelve months: 22.5% against 11.8%. Stewart Information Services Corporation has the higher net margin (4.12% vs 1.53%) and the lower return on invested capital (9.12% vs 12.8%). Across the 20 metrics below, Stewart Information Services Corporation leads on 13 and Trupanion, Inc. on 7.

Valuation

Metric STC TRUP Insurance Property & Casualty median
P/E 11.52 52.07 10.75
P/S 0.49 0.81 1.21
P/B 0.96 3.00 1.99
Price to free cash flow 10.87 14.96 7.76
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.68% 1.92% 9.08%
Free cash flow yield 9.20% 6.68% 12.11%

Profitability

Metric STC TRUP Insurance Property & Casualty median
Gross margin 64.35% 16.55% 41.16%
Operating margin 9.19% 1.57% 15.09%
Net margin 4.12% 1.53% 11.51%
Free cash flow margin 4.50% 5.40% 17.46%
Return on equity 8.64% 6.07% 17.34%
Return on assets 4.44% 2.61% 3.74%
Return on invested capital 9.12% 12.78% 12.06%

Growth

Metric STC TRUP Insurance Property & Casualty median
Revenue growth (TTM) 22.49% 11.80% 8.02%
EPS growth (last fiscal year) 55.17% 295.65% 39.61%
Revenue growth, 5-year CAGR 5.01% 23.45% 9.23%
Net income growth, 5-year CAGR (5.70%) 0.00% 10.09%

Health

Metric STC TRUP Insurance Property & Casualty median
Debt to equity 0.39 0.26 0.25
Current ratio 1.81 1.77 0.42
Net debt to EBITDA 0.99 (8.49) 0.08

Dividend

Metric STC TRUP Insurance Property & Casualty median
Dividend yield 4.04% — 1.50%
Payout ratio 0.47 — 0.14

Size

Metric STC TRUP Insurance Property & Casualty median
Market cap 1.59b 1.22b 2.67b

Compare with another peer

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