Trupanion [TRUP] vs Chubb [CB] Detailed Stock Comparison

Trupanion Inc.

NASDAQ
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Chubb Ltd.

NYSE
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TLDR: Quick Comparison Summary

Based on 21 vital metrics comparison: Trupanion Inc. wins in 3 metrics, Chubb Ltd. wins in 16 metrics, with 0 ties. Chubb Ltd. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Trupanion Inc. Chubb Ltd. Better
P/E Ratio (TTM) 61.02 11.64 Chubb Ltd.
Price-to-Book Ratio 3.10 1.75 Chubb Ltd.
Debt-to-Equity Ratio 32.80 30.94 Chubb Ltd.
PEG Ratio 0.27 0.42 Trupanion Inc.
EV/EBITDA 30.47 11.46 Chubb Ltd.
Profit Margin (TTM) 1.35% 17.29% Chubb Ltd.
Operating Margin (TTM) 2.19% 24.24% Chubb Ltd.
EBITDA Margin (TTM) 2.19% 24.24% Chubb Ltd.
Return on Equity 5.50% 14.34% Chubb Ltd.
Return on Assets (TTM) 1.11% 3.12% Chubb Ltd.
Free Cash Flow (TTM) $75.36M $12.82B Chubb Ltd.
Dividend Yield N/A 0.59% N/A
1-Year Return -53.47% 14.42% Chubb Ltd.
Price-to-Sales Ratio (TTM) 0.83 2.16 Trupanion Inc.
Enterprise Value $947.81M $152.07B Chubb Ltd.
EV/Revenue Ratio 0.66 2.55 Trupanion Inc.
Gross Profit Margin (TTM) 17.26% N/A N/A
Revenue per Share (TTM) $34 $150 Chubb Ltd.
Earnings per Share (Diluted) $0.45 $28.29 Chubb Ltd.
Beta (Stock Volatility) 1.66 0.50 Chubb Ltd.
Short % of Float 9.97% 1.03% Chubb Ltd.

Trupanion Inc. vs Chubb Ltd. Stock Performance Analysis

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TRUP
CB

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Trupanion Inc.1.06%8.39%7.03%-5.76%-34.95%-35.75%
Chubb Ltd.-0.36%1.58%0.86%-0.96%4.59%5.45%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Trupanion Inc.-53.47%-9.32%-77.39%82.20%107.46%107.46%
Chubb Ltd.14.42%68.33%110.33%164.78%410.25%575.19%

Performance & Financial Health Analysis: Trupanion Inc. vs Chubb Ltd.

MetricTRUPCB
Market Information
Market Cap i$1.19B$130.19B
Market Cap CategorySmall capLarge cap
10 Day Avg. Volume i305,5401,559,588
90 Day Avg. Volume i355,2131,636,379
Last Close$23.90$326.95
52 Week Range$21.16 - $57.88$264.10 - $345.67
% from 52W High-58.71%-5.42%
All-Time High$158.25 (Dec 06, 2021)$345.67 (Mar 02, 2026)
% from All-Time High-84.90%-5.42%
Growth Metrics
Quarterly Revenue Growth0.12%0.06%
Quarterly Earnings Growth2.40%0.25%
Financial Health
Profit Margin (TTM) i0.01%0.17%
Operating Margin (TTM) i0.02%0.24%
Return on Equity (TTM) i0.06%0.14%
Debt to Equity (MRQ) i32.8030.94
Cash & Liquidity
Book Value per Share (MRQ)$8.85$188.59
Cash per Share (MRQ)$8.54$18.23
Operating Cash Flow (TTM) i$89.49M$12.82B
Levered Free Cash Flow (TTM) i$-23,275,000$12.14B
Dividends
Last 12-Month Dividend Yield iN/A0.59%
Last 12-Month Dividend iN/A$1.94

Valuation & Enterprise Metrics Analysis: Trupanion Inc. vs Chubb Ltd.

MetricTRUP (Apr 26, 2026)CB (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i61.0211.64
Forward P/E i6.4611.29
PEG Ratio i0.270.42
Price to Sales (TTM) i0.832.16
Price to Book (MRQ) i3.101.75
Market Capitalization
Market Capitalization i$1.19B$130.19B
Enterprise Value i$947.81M$152.07B
Enterprise Value Metrics
Enterprise to Revenue i0.662.55
Enterprise to EBITDA i30.4711.46
Risk & Other Metrics
Beta i1.660.50
Book Value per Share (MRQ) i$8.85$188.59

Financial Statements Comparison: Trupanion Inc. vs Chubb Ltd.

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricTRUP (2025)CB (2025)
Revenue/Sales i1.44B59.78B
Cost of Goods Sold i1.21BN/A
COGS % of Revenue i83.9%0.0%
Gross Profit i231.01MN/A
Gross Margin i16.1%0.0%
Research & Development i37.85MN/A
Operating Income (EBIT) i100.68MN/A
Operating Margin i7.0%0.0%
EBITDA i138.13MN/A
EBITDA Margin i9.6%0.0%
Pre-Tax Income i21.99M13.04B
Pre-Tax Income % of Revenue i1.5%21.8%
Income Tax i2.56M2.42B
Income Tax % of Revenue i0.2%4.1%
Net Income (Profit) i19.43M10.62B
Profit Margin i1.4%17.8%

Balance Sheet & Liquidity Metrics

MetricTRUP (2025)CB (2025)
Cash & Equivalents i138.02M2.27B
Total Current Assets i691.06MN/A
Total Current Assets % of Revenue i48.0%0.0%
Total Current Liabilities i409.81MN/A
Total Current Liabilities % of Revenue i28.5%0.0%
Long-Term Debt i101.78M15.73B
Long-Term Debt % of Revenue i7.1%26.3%
Total Shareholders Equity i383.94M79.78B
Retained Earnings i-206.46M69.95B
Retained Earnings % of Revenue i-14.3%117.0%
Property, Plant & Equipment i0N/A

Cash Flow Statement Comparison

MetricTRUP (2025)CB (2025)
Operating Cash Flow i97.31M9.94B
Operating Cash Flow % of Revenue i6.8%16.6%
Capital Expenditures i-14.13MN/A
Free Cash Flow i75.36M12.82B
FCF Margin i5.2%21.4%
Debt Repayment i-134.44M-800.00M
Common Stock Repurchase i-3.71M-3.69B

Short Interest & Institutional Ownership Analysis

MetricTRUPCB
Shares Short i3.60M3.98M
Short Ratio i9.592.17
Short % of Float i9.97%1.03%
Shares Outstanding i43.40M391.10M
Float Shares i34.52M353.59M
% Held by Insiders i15.66%9.45%
% Held by Institutions i84.69%84.38%
% Held by Public i-0.35%6.17%

Dividend Analysis & Yield Comparison: Trupanion Inc. vs Chubb Ltd.

MetricTRUPCB
Last 12-Month Dividend iN/A$1.94
Last 12-Month Dividend Yield iN/A0.59%
3-Year Avg Annual Dividend iN/A$3.01
3-Year Avg Dividend Yield iN/A0.35%
3-Year Total Dividends iN/A$9.02
Ex-Dividend DateN/AMar 13, 2026