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

Trupanion, Inc. and United Fire Group, Inc are both Insurance Property & Casualty companies. Trupanion, Inc. is the larger, with a market value of $1.5B against $1.2B — 1.2× the size. United Fire Group, Inc trades at the lower P/E: 9.0× against 56.6×. United Fire Group, Inc grew revenue faster over the last twelve months: 11.6% against 11.4%. United Fire Group, Inc has the higher net margin (9.06% vs 1.71%) and the lower return on invested capital (0.00% vs 16.3%). Across the 19 metrics below, United Fire Group, Inc leads on 14 and Trupanion, Inc. on 5.

Valuation

Metric TRUP UFCS Insurance Property & Casualty median
P/E 56.64 9.03 12.17
P/S 0.97 0.80 1.26
P/B 3.77 1.24 1.85
Price to free cash flow 17.37 3.93 8.04
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 1.77% 11.08% 8.20%
Free cash flow yield 5.76% 25.45% 11.86%

Profitability

Metric TRUP UFCS Insurance Property & Casualty median
Gross margin 16.75% 34.30% 37.39%
Operating margin 0.00% 12.08% 14.67%
Net margin 1.71% 9.06% 10.16%
Free cash flow margin 5.56% 20.42% 18.60%
Return on equity 6.94% 14.90% 16.59%
Return on assets 2.96% 3.49% 3.38%
Return on invested capital 16.28% 0.00% 9.43%

Growth

Metric TRUP UFCS Insurance Property & Casualty median
Revenue growth (TTM) 11.41% 11.58% 5.70%
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 0.00 0.25
Current ratio 1.74 0.34 0.49
Net debt to EBITDA (8.49) (0.06) 0.08

Dividend

Metric TRUP UFCS Insurance Property & Casualty median
Dividend yield — 1.61% 1.56%
Payout ratio — 0.15 0.15

Size

Metric TRUP UFCS Insurance Property & Casualty median
Market cap 1.52b 1.22b 2.64b

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