Trupanion Inc (TRUP)vsW. R. Berkley Corp (WRB)
TRUP
Trupanion Inc
$25.85
+1.37%
FINANCIAL SERVICES · Cap: $1.17B
WRB
W. R. Berkley Corp
$75.65
-0.68%
FINANCIAL SERVICES · Cap: $26.66B
Smart Verdict
WallStSmart Research — data-driven comparison
W. R. Berkley Corp generates 902% more annual revenue ($14.85B vs $1.48B). WRB leads profitability with a 12.6% profit margin vs 1.7%. WRB trades at a lower P/E of 15.2x. WRB earns a higher WallStSmart Score of 65/100 (C+).
TRUP
Buy53
out of 100
Grade: C-
WRB
Buy65
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Earnings expanding 235.1% YoY
Conservative balance sheet, low leverage
Reasonable price relative to book value
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Earnings expanding 26.0% YoY
Areas to Watch
Grey zone — moderate risk
Smaller company, higher risk/reward
ROE of 6.5% — below average capital efficiency
1.7% margin — thin
4.0% revenue growth
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull 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 : WRB
The strongest argument for WRB centers on Debt/Equity, P/E Ratio, EPS Growth.
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 : WRB
The primary concerns for WRB are Revenue Growth, PEG Ratio, 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.
WRB generates stronger free cash flow (640M), providing more financial flexibility.
Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
WRB scores higher overall (65/100 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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