Trupanion [TRUP] vs HCI [HCI] Detailed Stock Comparison

Trupanion Inc.

NASDAQ
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HCI Group Inc.

NYSE
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TLDR: Quick Comparison Summary

Based on 21 vital metrics comparison: Trupanion Inc. wins in 4 metrics, HCI Group Inc. wins in 13 metrics, with 1 ties. HCI Group Inc. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Trupanion Inc. HCI Group Inc. Better
P/E Ratio (TTM) 61.02 6.77 HCI Group Inc.
Price-to-Book Ratio 3.10 1.92 HCI Group Inc.
Debt-to-Equity Ratio 32.80 6.09 HCI Group Inc.
PEG Ratio 0.27 0.00 Tie
EV/EBITDA 30.47 2.08 HCI Group Inc.
Profit Margin (TTM) 1.35% 33.19% HCI Group Inc.
Operating Margin (TTM) 2.19% -397.98% Trupanion Inc.
EBITDA Margin (TTM) 2.19% N/A N/A
Return on Equity 5.50% 40.46% HCI Group Inc.
Return on Assets (TTM) 1.11% 11.52% HCI Group Inc.
Free Cash Flow (TTM) $75.36M $440.82M HCI Group Inc.
Dividend Yield N/A 1.02% N/A
1-Year Return -53.47% 3.06% HCI Group Inc.
Price-to-Sales Ratio (TTM) 0.83 2.22 Trupanion Inc.
Enterprise Value $947.81M $930.91M Trupanion Inc.
EV/Revenue Ratio 0.66 1.03 Trupanion Inc.
Gross Profit Margin (TTM) 17.26% N/A N/A
Revenue per Share (TTM) $34 $77 HCI Group Inc.
Earnings per Share (Diluted) $0.45 $22.72 HCI Group Inc.
Beta (Stock Volatility) 1.66 1.15 HCI Group Inc.
Short % of Float 9.97% 3.22% HCI Group Inc.

Trupanion Inc. vs HCI Group Inc. Stock Performance Analysis

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TRUP
HCI

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Trupanion Inc.1.06%8.39%7.03%-5.76%-34.95%-35.75%
HCI Group Inc.1.70%6.04%4.33%-0.98%-12.71%-11.27%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Trupanion Inc.-53.47%-9.32%-77.39%82.20%107.46%107.46%
HCI Group Inc.3.06%177.98%73.35%476.12%2,273.52%2,467.20%

Performance & Financial Health Analysis: Trupanion Inc. vs HCI Group Inc.

MetricTRUPHCI
Market Information
Market Cap i$1.19B$1.99B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i305,540268,006
90 Day Avg. Volume i355,213189,775
Last Close$23.90$163.17
52 Week Range$21.16 - $57.88$136.37 - $210.50
% from 52W High-58.71%-22.48%
All-Time High$158.25 (Dec 06, 2021)$210.50 (Oct 24, 2025)
% from All-Time High-84.90%-22.48%
Growth Metrics
Quarterly Revenue Growth0.12%0.52%
Quarterly Earnings Growth2.40%36.79%
Financial Health
Profit Margin (TTM) i0.01%0.33%
Operating Margin (TTM) i0.02%-3.98%
Return on Equity (TTM) i0.06%0.40%
Debt to Equity (MRQ) i32.806.09
Cash & Liquidity
Book Value per Share (MRQ)$8.85$80.13
Cash per Share (MRQ)$8.54$93.14
Operating Cash Flow (TTM) i$89.49M$444.45M
Levered Free Cash Flow (TTM) i$-23,275,000$403.05M
Dividends
Last 12-Month Dividend Yield iN/A1.02%
Last 12-Month Dividend iN/A$1.60

Valuation & Enterprise Metrics Analysis: Trupanion Inc. vs HCI Group Inc.

MetricTRUP (Apr 26, 2026)HCI (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i61.026.77
Forward P/E i6.468.66
PEG Ratio i0.270.00
Price to Sales (TTM) i0.832.22
Price to Book (MRQ) i3.101.92
Market Capitalization
Market Capitalization i$1.19B$1.99B
Enterprise Value i$947.81M$930.91M
Enterprise Value Metrics
Enterprise to Revenue i0.661.03
Enterprise to EBITDA i30.472.08
Risk & Other Metrics
Beta i1.661.15
Book Value per Share (MRQ) i$8.85$80.13

Financial Statements Comparison: Trupanion Inc. vs HCI Group Inc.

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricTRUP (2025)HCI (2025)
Revenue/Sales i1.44B901.77M
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 i21.99M429.33M
Pre-Tax Income % of Revenue i1.5%47.6%
Income Tax i2.56M108.94M
Income Tax % of Revenue i0.2%12.1%
Net Income (Profit) i19.43M320.40M
Profit Margin i1.4%35.5%

Balance Sheet & Liquidity Metrics

MetricTRUP (2025)HCI (2025)
Cash & Equivalents i138.02M1.21B
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 i101.78M31.88M
Long-Term Debt % of Revenue i7.1%3.5%
Total Shareholders Equity i383.94M1.11B
Retained Earnings i-206.46M611.51M
Retained Earnings % of Revenue i-14.3%67.8%
Property, Plant & Equipment i0N/A

Cash Flow Statement Comparison

MetricTRUP (2025)HCI (2025)
Operating Cash Flow i97.31M585.24M
Operating Cash Flow % of Revenue i6.8%64.9%
Capital Expenditures i-14.13M-3.63M
Free Cash Flow i75.36M440.82M
FCF Margin i5.2%48.9%
Debt Repayment i-134.44M-8.65M
Common Stock Repurchase i-3.71M-1.52M

Short Interest & Institutional Ownership Analysis

MetricTRUPHCI
Shares Short i3.60M309,562
Short Ratio i9.592.34
Short % of Float i9.97%3.22%
Shares Outstanding i43.40M12.99M
Float Shares i34.52M11.11M
% Held by Insiders i15.66%14.44%
% Held by Institutions i84.69%81.53%
% Held by Public i-0.35%4.03%

Dividend Analysis & Yield Comparison: Trupanion Inc. vs HCI Group Inc.

MetricTRUPHCI
Last 12-Month Dividend iN/A$1.60
Last 12-Month Dividend Yield iN/A1.02%
3-Year Avg Annual Dividend iN/A$1.60
3-Year Avg Dividend Yield iN/A0.40%
3-Year Total Dividends iN/A$4.80
Ex-Dividend DateN/AFeb 20, 2026