COMP <GO>
TRUP vs ALHC // ALTMAN Z-SCORE & DEBT/EQUITY
Trupanion Inc. (NASDAQ) VS. Alignment Healthcare Inc. (NASDAQ) • 15-METRIC TALLY: TRUP 4
— ALHC 6
▲ ALTMAN Z-SCORE & DEBT/EQUITY LEADER: ALHC
LAST: $30.19 (+2.27%) • MKT CAP: $1.32B
balance-sheet
3.17
LAST: $8.06 (-1.47%) • MKT CAP: $1.67B
balance-sheet
4.00
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (TRUP VS. ALHC)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | TRUP | ALHC | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | 16.10% | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 3.10% | 13.90% | -10.80 | ALHC | /roic <GO> |
| EV/EBITDA & P/E Valuation | 49.8x | 37.8x | +12.00 | ALHC | /valuation <GO> |
| Free Cash Flow Yield | 5.69% | 6.77% | -1.08 | ALHC | /fcf-yield <GO> |
| Operating Margin | 1.00% | 0.40% | +0.60 | TRUP | /operating-margins <GO> |
| Net Profit Margin | 1.40% | 0.00% | +1.40 | TRUP | /net-margins <GO> |
| Revenue Growth (YoY) | 11.90% | 46.10% | -34.20 | ALHC | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 0.00% | 0.00 | TIE | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity ACTIVE | 3.17 | 4.00 | -0.83 | ALHC | /balance-sheet <GO> |
| Piotroski F-Score Quality | 8/9 | 6/9 | +2.00 | TRUP | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 67.4 | 31.6 | +35.78 | TRUP | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 63.4x | — | — | TIE | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $1.32B | $1.67B | -$347.4M | ALHC | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | TRUP REV | ALHC REV | TRUP GROSS % | ALHC GROSS % | TRUP FCF | ALHC FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $1.44B | $3.95B | 16.1% | — | $75.4M | $113.1M |
| FY 2024 | $1.29B | $2.70B | 13.9% | — | $38.6M | -$6.6M |
| FY 2023 | $1.11B | $1.80B | — | — | $18.6M | -$59.2M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
TRUP // BETA —
ALHC // BETA —