Trupanion vs United Fire Group
Trupanion and United Fire Group are similar in size: $1.44bn and $1.39bn of revenue in their latest fiscal years. Trupanion grew faster (11.9% against 10.6%). United Fire Group kept more of each dollar of sales as profit: a net margin of 8.5% against 1.4%. United Fire Group carries less debt relative to equity (15.5% against 29.1%).
| Latest fiscal year | TrupanionTRUP, 2025 | United Fire GroupUFCS, 2025 |
|---|---|---|
| Revenue | $1.44bn | $1.39bn |
| Revenue growth | 11.9% | 10.6% |
| Net income | $19.4m | $118m |
| Operating margin | 1.0% | — |
| Net margin | 1.4% | 8.5% |
| Return on equity | 5.5% | 13.7% |
| Free cash flow | $75.4m | — |
| Cash | $138m | $156m |
| Total debt | $112m | $146m |
| Debt to equity | 29.1% | 15.5% |
| Dividend per share | — | $0.64 |
| Dividend yield | — | 1.3% |
| Share buybacks | — | — |
| Employees | 1,121 | — |
| Market value | $1.37bn | $1.47bn |
| Price vs our value range | — | — |
| Moat score | 37 (Weak) | 43 (Weak) |
| Insider trades, 12 months | 0 buys, 30 sales | 1 buys, 5 sales |