WallStSmart

Trupanion Inc (TRUP)vsW. R. Berkley Corp (WRB)

VS

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

Buy

53

out of 100

Grade: C-

Growth: 8.0Profit: 4.0Value: 4.7Quality: 7.0
Piotroski: 4/9Altman Z: 1.86

WRB

Buy

65

out of 100

Grade: C+

Growth: 6.0Profit: 7.0Value: 5.0Quality: 6.0
Piotroski: 4/9Altman Z: 1.39

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

TRUP3 strengths · Avg: 9.0/10
EPS GrowthGrowth
235.1%10/10

Earnings expanding 235.1% YoY

Debt/EquityHealth
0.289/10

Conservative balance sheet, low leverage

Price/BookValuation
2.9x8/10

Reasonable price relative to book value

WRB3 strengths · Avg: 8.3/10
Debt/EquityHealth
0.289/10

Conservative balance sheet, low leverage

P/E RatioValuation
15.2x8/10

Attractively priced relative to earnings

EPS GrowthGrowth
26.0%8/10

Earnings expanding 26.0% YoY

Areas to Watch

TRUP4 concerns · Avg: 3.3/10
Altman Z-ScoreHealth
1.864/10

Grey zone — moderate risk

Market CapQuality
$1.17B3/10

Smaller company, higher risk/reward

Return on EquityProfitability
6.5%3/10

ROE of 6.5% — below average capital efficiency

Profit MarginProfitability
1.7%3/10

1.7% margin — thin

WRB3 concerns · Avg: 2.7/10
Revenue GrowthGrowth
4.0%4/10

4.0% revenue growth

PEG RatioValuation
4.192/10

Expensive relative to growth rate

Altman Z-ScoreHealth
1.392/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull 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.

Want to dig deeper into these stocks?