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Screener Weekly Summary Pricing

Trupanion, Inc. (TRUP) vs UNIVERSAL INSURANCE HOLDINGS INC (UVE)

Trupanion, Inc. and UNIVERSAL INSURANCE HOLDINGS INC are both Insurance Property & Casualty companies. UNIVERSAL INSURANCE HOLDINGS INC is the larger, with a market value of $1.2B against $983.6M — 1.2× the size. UNIVERSAL INSURANCE HOLDINGS INC trades at the lower P/E: 5.4× against 42.9×. Trupanion, Inc. grew revenue faster over the last twelve months: 11.8% against 3.96%. UNIVERSAL INSURANCE HOLDINGS INC has the higher net margin (13.5% vs 1.53%) and the higher return on invested capital (139.4% vs 12.8%). Across the 22 metrics below, UNIVERSAL INSURANCE HOLDINGS INC leads on 16 and Trupanion, Inc. on 6.

Valuation

Metric TRUP UVE Insurance Property & Casualty median
P/E 42.89 5.40 10.29
P/S 0.67 0.71 1.17
P/B 2.47 1.83 1.83
Price to free cash flow 12.32 3.43 7.48
EV/EBITDA 17.70 2.23 7.49
EV/Sales 0.47 0.41 1.13
Earnings yield 2.33% 18.53% 9.50%
Free cash flow yield 8.11% 29.19% 13.29%

Profitability

Metric TRUP UVE Insurance Property & Casualty median
Gross margin 16.55% 25.87% 41.16%
Operating margin 1.57% 18.37% 15.09%
Net margin 1.53% 13.49% 11.51%
Free cash flow margin 5.40% 20.85% 17.59%
Return on equity 6.07% 40.16% 18.19%
Return on assets 2.61% 6.68% 3.74%
Return on invested capital 12.78% 139.39% 12.06%

Growth

Metric TRUP UVE Insurance Property & Casualty median
Revenue growth (TTM) 11.80% 3.96% 8.69%
EPS growth (last fiscal year) 295.65% 214.43% —
Revenue growth, 5-year CAGR 23.45% 8.38% 9.23%
Net income growth, 5-year CAGR 0.00% 57.14% 10.09%

Health

Metric TRUP UVE Insurance Property & Casualty median
Debt to equity 0.26 0.15 0.25
Current ratio 1.77 0.57 0.42
Net debt to EBITDA (8.49) (1.47) 0.08

Dividend

Metric TRUP UVE Insurance Property & Casualty median
Dividend yield — 4.00% 2.79%
Payout ratio 0.00 3.20 0.27

Size

Metric TRUP UVE Insurance Property & Casualty median
Market cap 983.62m 1.18b 2.44b

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