ProAssurance [PRA] vs Trupanion [TRUP] Detailed Stock Comparison
ProAssurance
NYSE
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Trupanion
NASDAQ
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TLDR: Quick Comparison Summary
Based on 19 vital metrics comparison: ProAssurance wins in 13 metrics, Trupanion wins in 5 metrics, with 0 ties. ProAssurance appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | ProAssurance | Trupanion | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 25.43 | 173.92 | ProAssurance |
| Price-to-Book Ratio | 0.97 | 5.26 | ProAssurance |
| Debt-to-Equity Ratio | 34.39 | 32.20 | Trupanion |
| PEG Ratio | 0.60 | -0.68 | Trupanion |
| EV/EBITDA | 10.82 | 67.57 | ProAssurance |
| Profit Margin (TTM) | 4.32% | 0.81% | ProAssurance |
| Operating Margin (TTM) | 14.31% | 0.65% | ProAssurance |
| EBITDA Margin (TTM) | 14.31% | 0.65% | ProAssurance |
| Return on Equity | 4.05% | 3.33% | ProAssurance |
| Return on Assets (TTM) | 1.14% | 0.65% | ProAssurance |
| Free Cash Flow (TTM) | $-19.73M | $38.57M | Trupanion |
| 1-Year Return | 63.95% | -14.22% | ProAssurance |
| Price-to-Sales Ratio (TTM) | 1.10 | 1.37 | ProAssurance |
| Enterprise Value | $1.26B | $1.66B | Trupanion |
| EV/Revenue Ratio | 1.12 | 1.22 | ProAssurance |
| Gross Profit Margin (TTM) | N/A | 15.51% | N/A |
| Revenue per Share (TTM) | $22 | $32 | Trupanion |
| Earnings per Share (Diluted) | $0.95 | $0.25 | ProAssurance |
| Beta (Stock Volatility) | 0.13 | 1.84 | ProAssurance |
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends
ProAssurance vs Trupanion Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| ProAssurance | -0.04% | 0.75% | 1.56% | 2.07% | 4.27% | 53.72% |
| Trupanion | -3.27% | -4.02% | -3.04% | -18.93% | 22.09% | -12.74% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| ProAssurance | 63.95% | 19.14% | 60.15% | -53.18% | -17.21% | 7.10% |
| Trupanion | -14.22% | -19.41% | -54.52% | 477.75% | 268.95% | 268.95% |
News Based Sentiment: ProAssurance vs Trupanion
ProAssurance
News based Sentiment: POSITIVE
October was a strong month for ProAssurance, highlighted by a positive earnings surprise, a new 52-week high, and significant institutional investment. The FTC's early termination of the waiting period for the acquisition by The Doctors Company is a major catalyst, suggesting a positive trajectory for the company's future.
Trupanion
News based Sentiment: MIXED
October was a month of conflicting signals for Trupanion, with strong financial results countered by a flat share price, insider selling, and a potentially overvalued stock. The upcoming Q3 earnings report will be critical in clarifying the company's trajectory and resolving these mixed signals for investors.
Performance & Financial Health Analysis: ProAssurance vs Trupanion
| Metric | PRA | TRUP |
|---|---|---|
| Market Information | ||
| Market Cap | $1.24B | $1.87B |
| Market Cap Category | Small cap | Small cap |
| 10 Day Avg. Volume | 295,360 | 347,480 |
| 90 Day Avg. Volume | 377,283 | 429,820 |
| Last Close | $24.15 | $42.06 |
| 52 Week Range | $13.00 - $24.22 | $31.00 - $57.90 |
| % from 52W High | -0.29% | -27.36% |
| All-Time High | $63.53 (Dec 19, 2016) | $158.25 (Dec 06, 2021) |
| % from All-Time High | -61.99% | -73.42% |
| Growth Metrics | ||
| Quarterly Revenue Growth | -0.04% | 0.12% |
| Quarterly Earnings Growth | 0.41% | 0.12% |
| Financial Health | ||
| Profit Margin (TTM) | 0.04% | 0.01% |
| Operating Margin (TTM) | 0.14% | 0.01% |
| Return on Equity (TTM) | 0.04% | 0.03% |
| Debt to Equity (MRQ) | 34.39 | 32.20 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $24.80 | $8.27 |
| Cash per Share (MRQ) | $8.21 | $7.43 |
| Operating Cash Flow (TTM) | $-25,890,000 | $69.99M |
| Levered Free Cash Flow (TTM) | $17.50M | $4.49M |
| Dividends | ||
| Last 12-Month Dividend Yield | N/A | N/A |
| Last 12-Month Dividend | $0.00 | N/A |
Valuation & Enterprise Metrics Analysis: ProAssurance vs Trupanion
| Metric | PRA | TRUP |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 25.43 | 173.92 |
| Forward P/E | 29.11 | 724.67 |
| PEG Ratio | 0.60 | -0.68 |
| Price to Sales (TTM) | 1.10 | 1.37 |
| Price to Book (MRQ) | 0.97 | 5.26 |
| Market Capitalization | ||
| Market Capitalization | $1.24B | $1.87B |
| Enterprise Value | $1.26B | $1.66B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 1.12 | 1.22 |
| Enterprise to EBITDA | 10.82 | 67.57 |
| Risk & Other Metrics | ||
| Beta | 0.13 | 1.84 |
| Book Value per Share (MRQ) | $24.80 | $8.27 |
Financial Statements Comparison: ProAssurance vs Trupanion
Financial Metrics
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Revenue
EBITDA
Operating Margin
Free Cash Flow
Long Term Debt
Profit Margin
Current Ratio
Operating Cash Flow
Income Statement (MRQ)
| Metric (MRQ) | PRA | TRUP |
|---|---|---|
| Revenue/Sales | $272.17M | $353.56M |
| Cost of Goods Sold | N/A | $298.73M |
| Gross Profit | N/A | $54.83M |
| Research & Development | N/A | $8.59M |
| Operating Income (EBIT) | N/A | $22.16M |
| EBITDA | N/A | $38.03M |
| Pre-Tax Income | $27.44M | $10.55M |
| Income Tax | $5.51M | $1.13M |
| Net Income (Profit) | $21.92M | $9.41M |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | PRA | TRUP |
|---|---|---|
| Cash & Equivalents | $43.54M | $166.31M |
| Total Current Assets | N/A | $628.34M |
| Total Current Liabilities | N/A | $369.34M |
| Long-Term Debt | $315.42M | $127.53M |
| Total Shareholders Equity | $1.23B | $333.67M |
| Retained Earnings | $1.43B | $-227.37M |
| Property, Plant & Equipment | N/A | N/A |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | PRA | TRUP |
|---|---|---|
| Operating Cash Flow | $-55.19M | $16.17M |
| Capital Expenditures | $18.96M | $-1.93M |
| Free Cash Flow | $-11.96M | $14.04M |
| Debt Repayment | N/A | $-338,000 |
| Common Stock Repurchase | N/A | $-915,000 |
Short Interest & Institutional Ownership Analysis
| Metric | PRA | TRUP |
|---|---|---|
| Shares Short | 5.87M | 7.07M |
| Short Ratio | 14.09 | 15.91 |
| Short % of Float | 0.16% | 0.20% |
| Average Daily Volume (10 Day) | 295,360 | 347,480 |
| Average Daily Volume (90 Day) | 377,283 | 429,820 |
| Shares Outstanding | 51.16M | 42.49M |
| Float Shares | 47.58M | 33.44M |
| % Held by Insiders | 0.01% | 0.06% |
| % Held by Institutions | 0.90% | 0.98% |
Dividend Analysis & Yield Comparison: ProAssurance vs Trupanion
| Metric | PRA | TRUP |
|---|---|---|
| Last 12-Month Dividend | $0.00 | N/A |
| Last 12-Month Dividend Yield | N/A | N/A |
| 3-Year Avg Annual Dividend | $0.05 | N/A |
| 3-Year Avg Dividend Yield | 0.27% | N/A |
| 3-Year Total Dividends | $0.15 | N/A |
| Ex-Dividend Date | Mar 28, 2023 | N/A |