Trupanion [TRUP] vs Progressive [PGR] Detailed Stock Comparison

Trupanion Inc.

NASDAQ
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Progressive Corporation

NYSE
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TLDR: Quick Comparison Summary

Based on 21 vital metrics comparison: Trupanion Inc. wins in 4 metrics, Progressive Corporation wins in 15 metrics, with 0 ties. Progressive Corporation appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Trupanion Inc. Progressive Corporation Better
P/E Ratio (TTM) 61.02 10.45 Progressive Corporation
Price-to-Book Ratio 3.10 3.75 Trupanion Inc.
Debt-to-Equity Ratio 32.80 26.17 Progressive Corporation
PEG Ratio 0.27 1.06 Trupanion Inc.
EV/EBITDA 30.47 8.33 Progressive Corporation
Profit Margin (TTM) 1.35% 12.93% Progressive Corporation
Operating Margin (TTM) 2.19% 16.39% Progressive Corporation
EBITDA Margin (TTM) 2.19% 16.39% Progressive Corporation
Return on Equity 5.50% 37.90% Progressive Corporation
Return on Assets (TTM) 1.11% 7.94% Progressive Corporation
Free Cash Flow (TTM) $75.36M $17.20B Progressive Corporation
Dividend Yield N/A 8.67% N/A
1-Year Return -53.47% -24.17% Progressive Corporation
Price-to-Sales Ratio (TTM) 0.83 1.34 Trupanion Inc.
Enterprise Value $947.81M $126.25B Progressive Corporation
EV/Revenue Ratio 0.66 1.41 Trupanion Inc.
Gross Profit Margin (TTM) 17.26% N/A N/A
Revenue per Share (TTM) $34 $153 Progressive Corporation
Earnings per Share (Diluted) $0.45 $19.65 Progressive Corporation
Beta (Stock Volatility) 1.66 0.33 Progressive Corporation
Short % of Float 9.97% 1.25% Progressive Corporation

Trupanion Inc. vs Progressive Corporation Stock Performance Analysis

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TRUP
PGR

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Trupanion Inc.1.06%8.39%7.03%-5.76%-34.95%-35.75%
Progressive Corporation0.19%1.62%1.89%-0.59%-13.90%-4.06%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Trupanion Inc.-53.47%-9.32%-77.39%82.20%107.46%107.46%
Progressive Corporation-24.17%56.25%120.03%538.51%897.59%666.45%

Performance & Financial Health Analysis: Trupanion Inc. vs Progressive Corporation

MetricTRUPPGR
Market Information
Market Cap i$1.19B$120.11B
Market Cap CategorySmall capLarge cap
10 Day Avg. Volume i305,5403,008,670
90 Day Avg. Volume i355,2133,010,043
Last Close$23.90$203.50
52 Week Range$21.16 - $57.88$189.20 - $269.78
% from 52W High-58.71%-24.57%
All-Time High$158.25 (Dec 06, 2021)$292.99 (Mar 17, 2025)
% from All-Time High-84.90%-30.54%
Growth Metrics
Quarterly Revenue Growth0.12%0.09%
Quarterly Earnings Growth2.40%0.10%
Financial Health
Profit Margin (TTM) i0.01%0.13%
Operating Margin (TTM) i0.02%0.16%
Return on Equity (TTM) i0.06%0.38%
Debt to Equity (MRQ) i32.8026.17
Cash & Liquidity
Book Value per Share (MRQ)$8.85$54.71
Cash per Share (MRQ)$8.54$3.64
Operating Cash Flow (TTM) i$89.49M$12.39B
Levered Free Cash Flow (TTM) i$-23,275,000$11.31B
Dividends
Last 12-Month Dividend Yield iN/A8.67%
Last 12-Month Dividend iN/A$18.40

Valuation & Enterprise Metrics Analysis: Trupanion Inc. vs Progressive Corporation

MetricTRUP (Apr 26, 2026)PGR (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i61.0210.45
Forward P/E i6.4612.73
PEG Ratio i0.271.06
Price to Sales (TTM) i0.831.34
Price to Book (MRQ) i3.103.75
Market Capitalization
Market Capitalization i$1.19B$120.11B
Enterprise Value i$947.81M$126.25B
Enterprise Value Metrics
Enterprise to Revenue i0.661.41
Enterprise to EBITDA i30.478.33
Risk & Other Metrics
Beta i1.660.33
Book Value per Share (MRQ) i$8.85$54.71

Financial Statements Comparison: Trupanion Inc. vs Progressive Corporation

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricTRUP (2025)PGR (2025)
Revenue/Sales i1.44B87.64B
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 i21.99M14.22B
Pre-Tax Income % of Revenue i1.5%16.2%
Income Tax i2.56M2.92B
Income Tax % of Revenue i0.2%3.3%
Net Income (Profit) i19.43M11.31B
Profit Margin i1.4%12.9%

Balance Sheet & Liquidity Metrics

MetricTRUP (2025)PGR (2025)
Cash & Equivalents i138.02M125.00M
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 i101.78M6.90B
Long-Term Debt % of Revenue i7.1%7.9%
Total Shareholders Equity i383.94M30.32B
Retained Earnings i-206.46M27.33B
Retained Earnings % of Revenue i-14.3%31.2%
Property, Plant & Equipment i0N/A

Cash Flow Statement Comparison

MetricTRUP (2025)PGR (2025)
Operating Cash Flow i97.31M12.39B
Operating Cash Flow % of Revenue i6.8%14.1%
Capital Expenditures i-14.13M-268.00M
Free Cash Flow i75.36M17.20B
FCF Margin i5.2%19.6%
Debt Repayment i-134.44MN/A
Common Stock Repurchase i-3.71M-166.00M

Short Interest & Institutional Ownership Analysis

MetricTRUPPGR
Shares Short i3.60M7.29M
Short Ratio i9.592.32
Short % of Float i9.97%1.25%
Shares Outstanding i43.40M584.40M
Float Shares i34.52M582.21M
% Held by Insiders i15.66%0.25%
% Held by Institutions i84.69%89.29%
% Held by Public i-0.35%10.46%

Dividend Analysis & Yield Comparison: Trupanion Inc. vs Progressive Corporation

MetricTRUPPGR
Last 12-Month Dividend iN/A$18.40
Last 12-Month Dividend Yield iN/A8.67%
3-Year Avg Annual Dividend iN/A$6.62
3-Year Avg Dividend Yield iN/A0.71%
3-Year Total Dividends iN/A$19.85
Ex-Dividend DateN/AJan 02, 2026