Trupanion, Inc. (TRUP) vs United Fire Group, Inc (UFCS)

Trupanion, Inc. and United Fire Group, Inc are both Insurance Property & Casualty companies. United Fire Group, Inc is the larger, with a market value of $1.4B against $1.2B — 1.2× the size. United Fire Group, Inc trades at the lower P/E: 10.5× against 52.1×. Trupanion, Inc. grew revenue faster over the last twelve months: 11.8% against 11.4%. United Fire Group, Inc has the higher net margin (9.57% vs 1.53%) and the lower return on invested capital (12.0% vs 12.8%). Across the 19 metrics below, United Fire Group, Inc leads on 12 and Trupanion, Inc. on 7.

Valuation

Metric TRUP UFCS Insurance Property & Casualty median
P/E 52.07 10.47 10.75
P/S 0.81 0.98 1.21
P/B 3.00 1.48 1.99
Price to free cash flow 14.96 5.39 7.76
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 1.92% 9.55% 9.08%
Free cash flow yield 6.68% 18.57% 12.11%

Profitability

Metric TRUP UFCS Insurance Property & Casualty median
Gross margin 16.55% 35.24% 41.16%
Operating margin 1.57% 12.87% 15.09%
Net margin 1.53% 9.57% 11.51%
Free cash flow margin 5.40% 18.22% 17.46%
Return on equity 6.07% 15.46% 17.34%
Return on assets 2.61% 3.67% 3.74%
Return on invested capital 12.78% 12.03% 12.06%

Growth

Metric TRUP UFCS Insurance Property & Casualty median
Revenue growth (TTM) 11.80% 11.36% 8.02%
EPS growth (last fiscal year) 295.65% 87.45% 39.61%
Revenue growth, 5-year CAGR 23.45% 5.34% 9.23%
Net income growth, 5-year CAGR 0.00% 0.00% 10.09%

Health

Metric TRUP UFCS Insurance Property & Casualty median
Debt to equity 0.26 0.15 0.25
Current ratio 1.77 0.34 0.42
Net debt to EBITDA (8.49) (0.06) 0.08

Dividend

Metric TRUP UFCS Insurance Property & Casualty median
Dividend yield — 1.35% 1.50%
Payout ratio — 0.14 0.14

Size

Metric TRUP UFCS Insurance Property & Casualty median
Market cap 1.22b 1.42b 2.67b

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