COMP <GO>
TRUP vs UNH // FORWARD P/E MULTIPLE
Trupanion Inc. (NASDAQ) VS. UnitedHealth Group Incorporated (NYSE) • 15-METRIC TALLY: TRUP 4
— UNH 9
▲ FORWARD P/E MULTIPLE LEADER: UNH
LAST: $30.75 (+2.06%) • MKT CAP: $1.35B
forward-pe
63.4x
LAST: $400.44 (-1.60%) • MKT CAP: $359.43B
forward-pe
17.7x
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (TRUP VS. UNH)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | TRUP | UNH | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | 16.10% | 88.31% | -72.21 | UNH | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 3.10% | 12.38% | -9.28 | UNH | /roic <GO> |
| EV/EBITDA & P/E Valuation | 49.8x | 15.3x | +34.53 | UNH | /valuation <GO> |
| Free Cash Flow Yield | 5.69% | 6.25% | -0.56 | UNH | /fcf-yield <GO> |
| Operating Margin | 1.00% | 5.32% | -4.32 | UNH | /operating-margins <GO> |
| Net Profit Margin | 1.40% | 3.53% | -2.13 | UNH | /net-margins <GO> |
| Revenue Growth (YoY) | 11.90% | 3.33% | +8.57 | TRUP | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 2.29% | -2.29 | UNH | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | 3.17 | 3.09 | +0.08 | TRUP | /balance-sheet <GO> |
| Piotroski F-Score Quality | 8/9 | 7/9 | +1.00 | TRUP | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | 7.00% | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 70.1 | 55.1 | +15.00 | TRUP | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | 0.33 | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple ACTIVE | 63.4x | 17.7x | +45.66 | UNH | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $1.35B | $359.43B | -$358.08B | UNH | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | TRUP REV | UNH REV | TRUP GROSS % | UNH GROSS % | TRUP FCF | UNH FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $1.44B | $447.57B | 16.1% | 88.7% | $75.4M | $16.07B |
| FY 2024 | $1.29B | $400.28B | 13.9% | 88.3% | $38.6M | $20.70B |
| FY 2023 | $1.11B | $371.62B | — | 89.6% | $18.6M | $25.68B |
| FY 2022 | — | $324.16B | — | 89.6% | — | $23.40B |
| FY 2021 | — | $287.60B | — | 89.2% | — | $19.89B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
TRUP // BETA —
UNH // BETA 0.33