Trupanion Inc (TRUP)vsW. R. Berkley Corp (WRB)
TRUP
Trupanion Inc
$25.50
-0.27%
FINANCIAL SERVICES · Cap: $1.11B
WRB
W. R. Berkley Corp
$64.49
-0.83%
FINANCIAL SERVICES · Cap: $24.51B
Smart Verdict
WallStSmart Research — data-driven comparison
W. R. Berkley Corp generates 922% more annual revenue ($14.71B vs $1.44B). TRUP leads profitability with a 135.0% profit margin vs 12.1%. WRB trades at a lower P/E of 14.5x. WRB earns a higher WallStSmart Score of 55/100 (C-).
TRUP
Buy53
out of 100
Grade: C-
WRB
Buy55
out of 100
Grade: C-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-53.5%
Fair Value
$21.06
Current Price
$25.50
$4.44 premium
Margin of Safety
-136.4%
Fair Value
$30.26
Current Price
$64.49
$34.23 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Keeps 135 of every $100 in revenue as profit
Earnings expanding 235.1% YoY
Reasonable price relative to book value
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Smaller company, higher risk/reward
ROE of 5.5% — below average capital efficiency
Operating margin of 2.2%
Premium valuation, high expectations priced in
1.5% revenue growth
Weak financial health signals
Expensive relative to growth rate
Earnings declined 21.8%
Comparative Analysis Report
WallStSmart ResearchBull Case : TRUP
The strongest argument for TRUP centers on Profit Margin, EPS Growth, Price/Book. Profitability is solid with margins at 135.0% and operating margin at 2.2%. Revenue growth of 11.7% demonstrates continued momentum.
Bull Case : WRB
The strongest argument for WRB centers on P/E Ratio, Price/Book.
Bear Case : TRUP
The primary concerns for TRUP are Market Cap, Return on Equity, Operating Margin. A P/E of 56.7x leaves little room for execution misses.
Bear Case : WRB
The primary concerns for WRB are Revenue Growth, Piotroski F-Score, PEG Ratio.
Key Dynamics to Monitor
TRUP profiles as a mature stock while WRB is a value play — different risk/reward profiles.
TRUP carries more volatility with a beta of 1.70 — expect wider price swings.
TRUP is growing revenue faster at 11.7% — sustainability is the question.
WRB generates stronger free cash flow (896M), providing more financial flexibility.
Bottom Line
WRB scores higher overall (55/100 vs 53/100). Both earn "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.
W. R. Berkley Corp
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
W. R. Berkley Corporation is a commercial lines property & casualty insurance holding company organized in Delaware and based in Greenwich, Connecticut.
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