Trupanion (NYSE: TRUP) and Health Insurance Innovations (NASDAQ:HIIQ) are both small-cap financials companies, but which is the superior business? We will compare the two businesses based on the strength of their institutional ownership, valuation, earnings, profitabiliy, analyst recommendations, dividends and risk.
Insider & Institutional Ownership
71.9% of Health Insurance Innovations shares are held by institutional investors. 30.0% of Health Insurance Innovations shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.
Profitability
This table compares Trupanion and Health Insurance Innovations’ net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Trupanion | -2.71% | -13.24% | -6.99% |
| Health Insurance Innovations | 5.56% | 23.92% | 15.32% |
Earnings & Valuation
This table compares Trupanion and Health Insurance Innovations’ gross revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | EBITDA | Earnings Per Share | Price/Earnings Ratio | |
| Trupanion | $213.74 million | 3.22 | $338,000.00 | N/A | N/A |
| Health Insurance Innovations | $215.18 million | 1.74 | $32.15 million | $1.14 | 27.81 |
Health Insurance Innovations has higher revenue and earnings than Trupanion.
Analyst Ratings
This is a breakdown of recent recommendations and price targets for Trupanion and Health Insurance Innovations, as provided by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Trupanion | 0 | 0 | 5 | 0 | 3.00 |
| Health Insurance Innovations | 0 | 1 | 5 | 0 | 2.83 |
Trupanion presently has a consensus target price of $26.00, suggesting a potential upside of 12.31%. Health Insurance Innovations has a consensus target price of $30.40, suggesting a potential downside of 4.10%. Given Trupanion’s stronger consensus rating and higher probable upside, equities analysts clearly believe Trupanion is more favorable than Health Insurance Innovations.
Summary
Health Insurance Innovations beats Trupanion on 7 of the 10 factors compared between the two stocks.
About Trupanion
Trupanion, Inc. provides medical insurance plans for cats and dogs throughout the United States, Canada and Puerto Rico. The Company operates in two business segments: subscription business and other business. The subscription business segment includes monthly subscriptions for its medical plan, which are marketed to consumers. The other business segment includes other operations that are not directly marketed to consumers. The Company offers a software solution, Trupanion Express, which is designed to facilitate the direct payment of invoices to veterinary practices. Trupanion Express integrates with veterinarians’ practice management software, which allows the Company to access data. The Company’s subsidiaries include American Pet Insurance Company, Trupanion Managers USA, Inc., Trupanion Brokers Ontario, Inc. and Wyndham Insurance Company (SAC), Ltd.
About Health Insurance Innovations
Health Insurance Innovations, Inc. is a developer, distributor and cloud-based administrator of individual and family health insurance plans (IFPs) and supplemental products, which include short-term medical (STM) insurance plans, and guaranteed-issue and underwritten hospital indemnity plans. The Company also develops, distributes and administers supplemental products, which include a range of additional insurance and non-insurance products, such as pharmacy benefit cards, dental plans, vision plans, cancer/critical illness plans, deductible and gap protection plans, and life insurance policies that are purchased as supplements to IFP. The Company’s STM plans are provided up to six months, 11 months, or 364 days of health insurance coverage with a range of deductible and copay levels. Individual major medical (IMM) plans cover prescription drugs, pre-existing conditions and preventive care, while STM plans provide optional coverage for prescription drugs.
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