TRUP PEER ANALYSIS

Trupanion Inc — metric-by-metric comparison with peers and the industry median

TRUPTrupanion Inc

🇺🇸 USA · NASDAQ · Financial Services · Insurance - Property & Casualty

Value it Duel

Overall Profile & Returns

· Insurance - Property & Casualty

Position Within Industry

0 = weak quartile, 100 = strong quartile

TRUPIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	TRUP	TURSG	DFY	ADM	HSX	GJF	Ind. Median
P/E	45.57	2.82●	23.76	15.22	7.83	—	12.75
P/B	2.98	1.10●	2.28	7.83	2.16	6.20	2.09
EV/EBITDA	15.65	—	14.28	11.94	9.94●	—	7.40
P/S	—	—	—	—	—	—	—

Financial Health
Metric	TRUP	TURSG	DFY	ADM	HSX	GJF	Ind. Median
Current Ratio	1.73	1.36	1.25	6.56●	—	—	0.89
Debt/Equity	27.7%	0.0%●	43.4%	131.2%	22.8%	—	27.1%
NetDebt/EBITDA	-4.77●	—	1.65	1.47	0.03	—	-0.70

Profitability
Metric	TRUP	TURSG	DFY	ADM	HSX	GJF	Ind. Median
Net Margin	1.7%	—	6.9%	13.5%	13.8%●	—	10.8%
ROE	7.1%	49.4%	10.5%	52.8%●	28.5%	—	18.0%
ROA	2.9%	14.1%●	3.7%	8.8%	9.3%	—	4.4%
EBITDA Margin	—	—	—	—	—	—	—

Growth + Dividend
Metric	TRUP	TURSG	DFY	ADM	HSX	GJF	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	—	55.4%●	-6.5%	12.0%	5.2%	—	42.9%
Div. Yield	—	—	1.0%	4.3%●	2.7%	3.7%	1.9%
Payout	—	—	23.9%	96.3%	12.5%	—	33.8%

Valuation
Metric	TRUP	SAFT	UVE	PRA	UFCS	KMPR	Ind. Median
P/E	45.57	17.82	6.33●	19.87	10.78	40.46	12.75
P/B	2.98	1.31	2.12	0.97	1.48	0.64●	2.09
EV/EBITDA	15.65	4.61	2.20	-19.46●	1.16	21.48	7.40
P/S	—	—	—	—	—	—	—

Financial Health
Metric	TRUP	SAFT	UVE	PRA	UFCS	KMPR	Ind. Median
Current Ratio	1.73●	0.82	0.56	1.32	0.81	0.33	0.89
Debt/Equity	27.7%	7.1%●	17.2%	32.4%	15.4%	35.6%	27.1%
NetDebt/EBITDA	-4.77	-7.41	-2.35	-30.15●	-6.36	5.23	-0.70

Profitability
Metric	TRUP	SAFT	UVE	PRA	UFCS	KMPR	Ind. Median
Net Margin	1.7%	5.0%	12.2%●	6.0%	9.2%	0.9%	10.8%
ROE	7.1%	7.4%	38.9%●	5.1%	14.8%	1.5%	18.0%
ROA	2.9%	2.7%	7.1%●	1.2%	3.5%	0.3%	4.4%
EBITDA Margin	—	—	—	—	—	—	—

Growth + Dividend
Metric	TRUP	SAFT	UVE	PRA	UFCS	KMPR	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	—	-13.1%	193.5%●	54.1%	97.3%	-87.9%	42.9%
Div. Yield	—	4.8%	1.5%	5.8%●	1.3%	4.5%	1.9%
Payout	—	85.5%	11.4%	115.1%	13.3%	185.4%	33.8%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

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Data on this page refreshes once per day. Price data as of Jul 2, 26. This content is for informational purposes only and is not investment advice.