WallStSmart

Trupanion Inc (TRUP)vsThe Travelers Companies Inc (TRV)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

The Travelers Companies Inc generates 3206% more annual revenue ($48.98B vs $1.48B). TRV leads profitability with a 17.0% profit margin vs 1.7%. TRV trades at a lower P/E of 9.9x. TRV earns a higher WallStSmart Score of 74/100 (B).

TRUP

Buy

53

out of 100

Grade: C-

Growth: 8.0Profit: 4.0Value: 4.7Quality: 7.0
Piotroski: 4/9Altman Z: 1.86

TRV

Strong Buy

74

out of 100

Grade: B

Growth: 6.7Profit: 8.0Value: 6.3Quality: 5.0
Piotroski: 4/9Altman Z: 0.89

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

TRUP3 strengths · Avg: 9.0/10
EPS GrowthGrowth
235.1%10/10

Earnings expanding 235.1% YoY

Debt/EquityHealth
0.289/10

Conservative balance sheet, low leverage

Price/BookValuation
2.9x8/10

Reasonable price relative to book value

TRV6 strengths · Avg: 9.2/10
P/E RatioValuation
9.9x10/10

Attractively priced relative to earnings

EPS GrowthGrowth
57.1%10/10

Earnings expanding 57.1% YoY

Market CapQuality
$77.61B9/10

Large-cap with strong market position

Return on EquityProfitability
25.1%9/10

Every $100 of equity generates 25 in profit

Debt/EquityHealth
0.279/10

Conservative balance sheet, low leverage

Price/BookValuation
2.4x8/10

Reasonable price relative to book value

Areas to Watch

TRUP4 concerns · Avg: 3.3/10
Altman Z-ScoreHealth
1.864/10

Grey zone — moderate risk

Market CapQuality
$1.17B3/10

Smaller company, higher risk/reward

Return on EquityProfitability
6.5%3/10

ROE of 6.5% — below average capital efficiency

Profit MarginProfitability
1.7%3/10

1.7% margin — thin

TRV3 concerns · Avg: 3.3/10
PEG RatioValuation
2.364/10

Expensive relative to growth rate

Revenue GrowthGrowth
0.3%4/10

0.3% revenue growth

Altman Z-ScoreHealth
0.892/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : TRUP

The strongest argument for TRUP centers on EPS Growth, Debt/Equity, Price/Book. Revenue growth of 12.3% demonstrates continued momentum.

Bull Case : TRV

The strongest argument for TRV centers on P/E Ratio, EPS Growth, Market Cap. Profitability is solid with margins at 17.0% and operating margin at 23.7%.

Bear Case : TRUP

The primary concerns for TRUP are Altman Z-Score, Market Cap, Return on Equity. A P/E of 45.3x leaves little room for execution misses. Thin 1.7% margins leave little buffer for downturns.

Bear Case : TRV

The primary concerns for TRV are PEG Ratio, Revenue Growth, Altman Z-Score.

Key Dynamics to Monitor

TRUP carries more volatility with a beta of 1.39 — expect wider price swings.

TRUP is growing revenue faster at 12.3% — sustainability is the question.

TRV generates stronger free cash flow (1.9B), providing more financial flexibility.

Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.

Bottom Line

TRV scores higher overall (74/100 vs 53/100), backed by strong 17.0% margins. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Trupanion Inc

FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA

Trupanion, Inc. offers monthly subscription medical insurance for dogs and cats in the United States, Canada, Puerto Rico and Australia. The company is headquartered in Seattle, Washington.

The Travelers Companies Inc

FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA

The Travelers Companies, Inc., commonly known as Travelers, is an American insurance company.

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