Trupanion vs Universal Insurance Holdings
Trupanion and Universal Insurance Holdings are similar in size: $1.44bn and $1.60bn of revenue in their latest fiscal years. Trupanion grew faster (11.9% against 5.5%). Universal Insurance Holdings kept more of each dollar of sales as profit: a net margin of 11.4% against 1.4%. Universal Insurance Holdings carries less debt relative to equity (18.3% against 29.1%).
| Latest fiscal year | TrupanionTRUP, 2025 | Universal Insurance HoldingsUVE, 2025 |
|---|---|---|
| Revenue | $1.44bn | $1.60bn |
| Revenue growth | 11.9% | 5.5% |
| Net income | $19.4m | $183m |
| Operating margin | 1.0% | — |
| Net margin | 1.4% | 11.4% |
| Return on equity | 5.5% | 39.6% |
| Free cash flow | $75.4m | $377m |
| Cash | $138m | $409m |
| Total debt | $112m | $101m |
| Debt to equity | 29.1% | 18.3% |
| Dividend per share | — | $0.77 |
| Dividend yield | — | 1.6% |
| Share buybacks | — | $22.4m |
| Employees | 1,121 | 929 |
| Market value | $1.37bn | $1.34bn |
| Price vs our value range | — | — |
| Moat score | 37 (Weak) | 60 (Moderate) |
| Insider trades, 12 months | 0 buys, 30 sales | 0 buys, 21 sales |