COMP <GO>
TRUP vs PSNL // EV/EBITDA & P/E VALUATION
Trupanion Inc. (NASDAQ) VS. Personalis Inc. (NASDAQ) • 15-METRIC TALLY: TRUP 7
— PSNL 3
■ METRIC PARITY
LAST: $30.19 (+2.27%) • MKT CAP: $1.32B
valuation
49.8x
LAST: $15.93 (-0.47%) • MKT CAP: $1.70B
valuation
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (TRUP VS. PSNL)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | TRUP | PSNL | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | 16.10% | 22.70% | -6.60 | PSNL | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 3.10% | -35.00% | +38.10 | TRUP | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | 49.8x | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 5.69% | -4.67% | +10.36 | TRUP | /fcf-yield <GO> |
| Operating Margin | 1.00% | -60.00% | +61.00 | TRUP | /operating-margins <GO> |
| Net Profit Margin | 1.40% | -60.00% | +61.40 | TRUP | /net-margins <GO> |
| Revenue Growth (YoY) | 11.90% | -17.70% | +29.60 | TRUP | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 0.00% | 0.00 | TIE | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | 3.17 | 11.50 | -8.33 | PSNL | /balance-sheet <GO> |
| Piotroski F-Score Quality | 8/9 | 3/9 | +5.00 | TRUP | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 67.4 | 45.2 | +22.19 | 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 | $1.70B | -$376.3M | PSNL | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | TRUP REV | PSNL REV | TRUP GROSS % | PSNL GROSS % | TRUP FCF | PSNL FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $1.44B | $69.6M | 16.1% | 22.7% | $75.4M | -$79.5M |
| FY 2024 | $1.29B | $84.6M | 13.9% | 31.7% | $38.6M | -$46.8M |
| FY 2023 | $1.11B | $73.5M | — | — | $18.6M | -$56.3M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
TRUP // BETA —
PSNL // BETA —