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 and Trupanion, Inc. are of similar size ($1.5B and $1.5B). Stewart Information Services Corporation trades at the lower P/E: 12.2× against 56.6×. Stewart Information Services Corporation grew revenue faster over the last twelve months: 20.6% against 11.4%. Stewart Information Services Corporation has the higher net margin (3.58% vs 1.71%) and the lower return on invested capital (8.33% vs 16.3%). Across the 20 metrics below, Stewart Information Services Corporation leads on 12 and Trupanion, Inc. on 8.

Valuation

Metric STC TRUP Insurance Property & Casualty median
P/E 12.20 56.64 12.17
P/S 0.44 0.97 1.26
P/B 0.88 3.77 1.85
Price to free cash flow 10.07 17.37 8.04
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.20% 1.77% 8.20%
Free cash flow yield 9.93% 5.76% 11.86%

Profitability

Metric STC TRUP Insurance Property & Casualty median
Gross margin 64.86% 16.75% 37.39%
Operating margin 8.64% 0.00% 14.67%
Net margin 3.58% 1.71% 10.16%
Free cash flow margin 0.00% 5.56% 18.60%
Return on equity 7.63% 6.94% 16.59%
Return on assets 3.93% 2.96% 3.38%
Return on invested capital 8.33% 16.28% 9.43%

Growth

Metric STC TRUP Insurance Property & Casualty median
Revenue growth (TTM) 20.55% 11.41% 5.70%
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 1.63 1.74 0.49
Net debt to EBITDA 0.99 (8.49) 0.08

Dividend

Metric STC TRUP Insurance Property & Casualty median
Dividend yield 4.37% — 1.56%
Payout ratio 0.53 — 0.15

Size

Metric STC TRUP Insurance Property & Casualty median
Market cap 1.50b 1.52b 2.64b

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