COMP <GO>
TRUP vs UNH // PIOTROSKI F-SCORE QUALITY
Trupanion Inc. (NASDAQ) VS. UnitedHealth Group Incorporated (NYSE) • 15-METRIC TALLY: TRUP 4
— UNH 9
▲ PIOTROSKI F-SCORE QUALITY LEADER: TRUP
LAST: $30.19 (+2.27%) • MKT CAP: $1.32B
piotroski-score
8/9
LAST: $410.91 (+0.94%) • MKT CAP: $368.83B
piotroski-score
7/9
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% | 88.57% | -72.47 | UNH | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 3.10% | 11.47% | -8.37 | UNH | /roic <GO> |
| EV/EBITDA & P/E Valuation | 49.8x | 16.4x | +33.35 | UNH | /valuation <GO> |
| Free Cash Flow Yield | 5.69% | 6.48% | -0.79 | UNH | /fcf-yield <GO> |
| Operating Margin | 1.00% | 4.82% | -3.82 | UNH | /operating-margins <GO> |
| Net Profit Margin | 1.40% | 3.14% | -1.74 | UNH | /net-margins <GO> |
| Revenue Growth (YoY) | 11.90% | 6.46% | +5.44 | TRUP | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 2.28% | -2.28 | UNH | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | 3.17 | 3.12 | +0.05 | TRUP | /balance-sheet <GO> |
| Piotroski F-Score Quality ACTIVE | 8/9 | 7/9 | +1.00 | TRUP | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | 6.74% | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 67.4 | 59.2 | +8.21 | TRUP | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | 0.33 | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 63.4x | 17.1x | +46.31 | UNH | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $1.32B | $368.83B | -$367.51B | 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