TRUP
Trupanion, Inc.
Insurance - Specialty
Market Cap$1.08B
5Y Perf.-15.0%
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Stock Comparison
TRUP vs HIFS
Revenue, margins, valuation, and 5-year total return — side by side.
HIFS
Hingham Institution for Savings
Banks - Regional
Market Cap$632M
5Y Perf.+74.8%
TRUP vs HIFS — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | TRUP | HIFS |
|---|---|---|
| Industry | Insurance - Specialty | Banks - Regional |
| Market Cap | $1.08B | $632M |
| Revenue (TTM) | $1.48B | $217M |
| Net Income (TTM) | $26M | $45M |
| Gross Margin | 38.6% | 30.1% |
| Operating Margin | 1.3% | 16.8% |
| Forward P/E | 49.5x | 20.4x |
| Total Debt | $112M | $1.50B |
| Cash & Equiv. | $138M | $352M |
TRUP vs HIFS — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
TRUP
HIFS
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Trupanion, Inc. (TRUP) | 100 | 85.0 | -15.0% |
| Hingham Institution… (HIFS) | 100 | 174.8 | +74.8% |
Price return only. Dividends and distributions are not included.
Quick Verdict: TRUP vs HIFS
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: HIFS leads in 5 of 7 categories, making it the strongest pick for growth and revenue expansion and valuation and capital efficiency. Trupanion, Inc. is the stronger pick specifically for capital preservation and lower volatility and operational efficiency and capital deployment. As sector peers, any of these can serve as alternatives in the same allocation.
TRUP
Trupanion, Inc.
The Insurance Pick
TRUP is the clearest fit if your priority is income & stability and sleep-well-at-night.
- Dividend streak 1 yrs, beta 0.97
- Lower volatility, beta 0.97, Low D/E 29.1%, current ratio 1.07x
- Beta 0.97, current ratio 1.07x
Best for: income & stability and sleep-well-at-night
HIFS
Hingham Institution for Savings
The Banking Pick
HIFS carries the broadest edge in this set and is the clearest fit for growth exposure and long-term compounding.
- Rev growth 14.1%, EPS growth 6.8%
- 141.9% 10Y total return vs TRUP's 73.2%
- 14.1% NII/revenue growth vs TRUP's 11.9%
Best for: growth exposure and long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | HIFS | 14.1% NII/revenue growth vs TRUP's 11.9% |
| Value | HIFS | Lower P/E (20.4x vs 49.5x) |
| Quality / Margins | HIFS | 13.0% margin vs TRUP's 1.7% |
| Stability / Safety | TRUP | Beta 0.97 vs HIFS's 1.25, lower leverage |
| Dividends | HIFS | 0.9% yield; the other pay no meaningful dividend |
| Momentum (1Y) | HIFS | +16.9% vs TRUP's -44.2% |
| Efficiency (ROA) | TRUP | 2.9% ROA vs HIFS's 1.0%, ROIC 5.1% vs 1.4% |
TRUP vs HIFS — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2025
Segment breakdown not available.
TRUP vs HIFS — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLTRUPLAGGINGHIFS
HIFSHingham Institution f…
2leads
TRUPTrupanion, Inc.
2leads
6 Total Categories
CATEGORYLEADERvs HIFSMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
HIFS3/5
Valuation MetricsMultiples, price ratios, and targets
Tied
—
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
TRUP8/9
Total Returns1Y, 3Y, 5Y total returns with dividends
HIFS6/6
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
TRUP1/1
Income & Cash Flow (Last 12 Months)
HIFS leads this category, winning 3 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
TRUP is the larger business by revenue, generating $1.5B annually — 6.8x HIFS's $217M. HIFS is the more profitable business, keeping 13.0% of every revenue dollar as net income compared to TRUP's 1.7%.
| Metric | TRUPTrupanion, Inc. | HIFSHingham Instituti… |
|---|---|---|
| RevenueTrailing 12 months | $1.5B | $217M |
| EBITDAEarnings before interest/tax | $35M | $62M |
| Net IncomeAfter-tax profit | $26M | $45M |
| Free Cash FlowCash after capex | $75M | $30M |
| Gross MarginGross profit ÷ Revenue | +38.6% | +30.1% |
| Operating MarginEBIT ÷ Revenue | +1.3% | +16.8% |
| Net MarginNet income ÷ Revenue | +1.7% | +13.0% |
| FCF MarginFCF ÷ Revenue | +5.1% | +5.4% |
| Rev. Growth (YoY)Latest quarter vs prior year | +12.3% | — |
| EPS Growth (YoY)Latest quarter vs prior year | +4.2% | +195.1% |
HIFS leads this category, winning 3 of 5 comparable metrics.
Valuation Metrics
Evenly matched — TRUP and HIFS each lead in 3 of 6 comparable metrics.
Valuation Metrics
At 22.5x trailing earnings, HIFS trades at a 59% valuation discount to TRUP's 55.4x P/E. On an enterprise value basis, TRUP's 27.9x EV/EBITDA is more attractive than HIFS's 47.7x.
| Metric | TRUPTrupanion, Inc. | HIFSHingham Instituti… |
|---|---|---|
| Market CapShares × price | $1.1B | $632M |
| Enterprise ValueMkt cap + debt − cash | $1.1B | $1.8B |
| Trailing P/EPrice ÷ TTM EPS | 55.42x | 22.54x |
| Forward P/EPrice ÷ next-FY EPS est. | 49.53x | 20.43x |
| PEG RatioP/E ÷ EPS growth rate | — | — |
| EV / EBITDAEnterprise value multiple | 27.94x | 47.70x |
| Price / SalesMarket cap ÷ Revenue | 0.75x | 2.91x |
| Price / BookPrice ÷ Book value/share | 2.83x | 1.47x |
| Price / FCFMarket cap ÷ FCF | 14.37x | 53.79x |
Evenly matched — TRUP and HIFS each lead in 3 of 6 comparable metrics.
Profitability & Efficiency
TRUP leads this category, winning 8 of 9 comparable metrics.
Profitability & Efficiency
HIFS delivers a 9.8% return on equity — every $100 of shareholder capital generates $10 in annual profit, vs $7 for TRUP. TRUP carries lower financial leverage with a 0.29x debt-to-equity ratio, signaling a more conservative balance sheet compared to HIFS's 3.47x. On the Piotroski fundamental quality scale (0–9), TRUP scores 6/9 vs HIFS's 5/9, reflecting solid financial health.
| Metric | TRUPTrupanion, Inc. | HIFSHingham Instituti… |
|---|---|---|
| ROE (TTM)Return on equity | +6.9% | +9.8% |
| ROA (TTM)Return on assets | +2.9% | +1.0% |
| ROICReturn on invested capital | +5.1% | +1.4% |
| ROCEReturn on capital employed | +4.6% | +2.2% |
| Piotroski ScoreFundamental quality 0–9 | 6 | 5 |
| Debt / EquityFinancial leverage | 0.29x | 3.47x |
| Net DebtTotal debt minus cash | -$26M | $1.1B |
| Cash & Equiv.Liquid assets | $138M | $352M |
| Total DebtShort + long-term debt | $112M | $1.5B |
| Interest CoverageEBIT ÷ Interest expense | 2.74x | 0.44x |
TRUP leads this category, winning 8 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
HIFS leads this category, winning 6 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in HIFS five years ago would be worth $9,822 today (with dividends reinvested), compared to $3,193 for TRUP. Over the past 12 months, HIFS leads with a +16.9% total return vs TRUP's -44.2%. The 3-year compound annual growth rate (CAGR) favors HIFS at 17.8% vs TRUP's -0.8% — a key indicator of consistent wealth creation.
| Metric | TRUPTrupanion, Inc. | HIFSHingham Instituti… |
|---|---|---|
| YTD ReturnYear-to-date | -33.0% | +7.3% |
| 1-Year ReturnPast 12 months | -44.2% | +16.9% |
| 3-Year ReturnCumulative with dividends | -2.4% | +63.5% |
| 5-Year ReturnCumulative with dividends | -68.1% | -1.8% |
| 10-Year ReturnCumulative with dividends | +73.2% | +141.9% |
| CAGR (3Y)Annualised 3-year return | -0.8% | +17.8% |
HIFS leads this category, winning 6 of 6 comparable metrics.
Risk & Volatility
Evenly matched — TRUP and HIFS each lead in 1 of 2 comparable metrics.
Risk & Volatility
TRUP is the less volatile stock with a 0.97 beta — it tends to amplify market swings less than HIFS's 1.25 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. HIFS currently trades 85.7% from its 52-week high vs TRUP's 43.1% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | TRUPTrupanion, Inc. | HIFSHingham Instituti… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.97x | 1.25x |
| 52-Week HighHighest price in past year | $57.89 | $338.00 |
| 52-Week LowLowest price in past year | $23.80 | $220.76 |
| % of 52W HighCurrent price vs 52-week peak | +43.1% | +85.7% |
| RSI (14)Momentum oscillator 0–100 | 48.2 | 46.8 |
| Avg Volume (50D)Average daily shares traded | 371K | 54K |
Evenly matched — TRUP and HIFS each lead in 1 of 2 comparable metrics.
Analyst Outlook
TRUP leads this category, winning 1 of 1 comparable metric.
Analyst Outlook
HIFS is the only dividend payer here at 0.86% yield — a key consideration for income-focused portfolios.
| Metric | TRUPTrupanion, Inc. | HIFSHingham Instituti… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | — |
| Price TargetConsensus 12-month target | $38.00 | — |
| # AnalystsCovering analysts | 15 | — |
| Dividend YieldAnnual dividend ÷ price | — | +0.9% |
| Dividend StreakConsecutive years of raises | 1 | 0 |
| Dividend / ShareAnnual DPS | — | $2.50 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | 0.0% |
TRUP leads this category, winning 1 of 1 comparable metric.
Key Takeaway
HIFS leads in 2 of 6 categories (Income & Cash Flow, Total Returns). TRUP leads in 2 (Profitability & Efficiency, Analyst Outlook). 2 tied.
Best OverallTrupanion, Inc. (TRUP)Leads 2 of 6 categories
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TRUP vs HIFS: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is TRUP or HIFS a better buy right now?
For growth investors, Hingham Institution for Savings (HIFS) is the stronger pick with 14.
1% revenue growth year-over-year, versus 11. 9% for Trupanion, Inc. (TRUP). Hingham Institution for Savings (HIFS) offers the better valuation at 22. 5x trailing P/E (20. 4x forward), making it the more compelling value choice. Analysts rate Trupanion, Inc. (TRUP) a "Buy" — based on 15 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — TRUP or HIFS?
On trailing P/E, Hingham Institution for Savings (HIFS) is the cheapest at 22.
5x versus Trupanion, Inc. at 55. 4x. On forward P/E, Hingham Institution for Savings is actually cheaper at 20. 4x.
03Which is the better long-term investment — TRUP or HIFS?
Over the past 5 years, Hingham Institution for Savings (HIFS) delivered a total return of -1.
8%, compared to -68. 1% for Trupanion, Inc. (TRUP). Over 10 years, the gap is even starker: HIFS returned +142. 5% versus TRUP's +68. 9%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — TRUP or HIFS?
By beta (market sensitivity over 5 years), Trupanion, Inc.
(TRUP) is the lower-risk stock at 0. 97β versus Hingham Institution for Savings's 1. 25β — meaning HIFS is approximately 28% more volatile than TRUP relative to the S&P 500. On balance sheet safety, Trupanion, Inc. (TRUP) carries a lower debt/equity ratio of 29% versus 3% for Hingham Institution for Savings — giving it more financial flexibility in a downturn.
05Which is growing faster — TRUP or HIFS?
By revenue growth (latest reported year), Hingham Institution for Savings (HIFS) is pulling ahead at 14.
1% versus 11. 9% for Trupanion, Inc. (TRUP). On earnings-per-share growth, the picture is similar: Trupanion, Inc. grew EPS 295. 7% year-over-year, compared to 6. 8% for Hingham Institution for Savings. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — TRUP or HIFS?
Hingham Institution for Savings (HIFS) is the more profitable company, earning 13.
0% net margin versus 1. 4% for Trupanion, Inc. — meaning it keeps 13. 0% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: HIFS leads at 16. 8% versus 1. 5% for TRUP. At the gross margin level — before operating expenses — HIFS leads at 30. 1%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is TRUP or HIFS more undervalued right now?
On forward earnings alone, Hingham Institution for Savings (HIFS) trades at 20.
4x forward P/E versus 49. 5x for Trupanion, Inc. — 29. 1x cheaper on a one-year earnings basis.
08Which pays a better dividend — TRUP or HIFS?
In this comparison, HIFS (0.
9% yield) pays a dividend. TRUP does not pay a meaningful dividend and should not be held primarily for income.
09Is TRUP or HIFS better for a retirement portfolio?
For long-horizon retirement investors, Hingham Institution for Savings (HIFS) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 1.
25), 0. 9% yield, +142. 5% 10Y return). Both have compounded well over 10 years (HIFS: +142. 5%, TRUP: +68. 9%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between TRUP and HIFS?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
HIFS pays a dividend while TRUP does not, making them suitable for different income and tax situations. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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Revenue Growth>
%
(TRUP: 12.3% · HIFS: 14.1%)P/E Ratio<
x
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