No connection

Search Results

TRIN vs TRUP

TRIN
Trinity Capital Inc.
BEARISH
Price
$16.22
Market Cap
$1.35B
Sector
Financial Services
AI Confidence
85%
TRUP
Trupanion, Inc.
NEUTRAL
Price
$28.88
Market Cap
$1.25B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
TRIN
8.28
TRUP
64.18
Forward P/E
TRIN
7.78
TRUP
6.8
P/B Ratio
TRIN
1.21
TRUP
3.26
P/S Ratio
TRIN
4.83
TRUP
0.87
EV/EBITDA
TRIN
--
TRUP
32.45

Profitability

Gross Margin
TRIN
100.0%
TRUP
22.57%
Operating Margin
TRIN
74.51%
TRUP
2.19%
Profit Margin
TRIN
48.51%
TRUP
1.35%
ROE
TRIN
14.15%
TRUP
5.5%
ROA
TRIN
6.17%
TRUP
1.11%

Growth

Revenue Growth
TRIN
17.0%
TRUP
11.7%
Earnings Growth
TRIN
-30.5%
TRUP
235.1%

Financial Health

Debt/Equity
TRIN
1.19
TRUP
0.33
Current Ratio
TRIN
0.45
TRUP
1.67
Quick Ratio
TRIN
0.45
TRUP
1.64

Dividends

Dividend Yield
TRIN
12.58%
TRUP
--
Payout Ratio
TRIN
112.76%
TRUP
0.0%

AI Verdict

TRIN BEARISH

TRIN exhibits severe fundamental deterioration, highlighted by a weak Piotroski F-Score of 2/9 and a critical dividend payout ratio of 112.76%, indicating the dividend is currently unsustainable. While the P/E ratio appears attractive at 8.28, this is offset by a high PEG ratio of 5.14 and a sharp 30.5% year-over-year decline in earnings. Despite positive analyst sentiment and a high Graham Number, the combination of poor liquidity (Current Ratio 0.45) and negative earnings growth suggests a value trap scenario.

Strengths
Strong profit margins (48.51%) and operating margins (74.51%)
Low P/E ratio (8.28) relative to sector averages
Positive 1-year price performance (+34.2%)
Risks
Unsustainable dividend payout ratio (112.76%)
Severe fundamental weakness indicated by Piotroski F-Score (2/9)
Significant earnings contraction (-30.5% YoY)
TRUP NEUTRAL

TRUP exhibits strong operational health with a Piotroski F-Score of 8/9 and low leverage, yet it remains fundamentally overvalued relative to its Graham Number ($9.46) and Intrinsic Value ($13.28). While the Forward P/E of 6.80 suggests a significant expected earnings inflection, the historical track record is marred by frequent earnings misses and a long-term bearish price trend. Insider sentiment is bearish with consistent selling by executives. The stock is currently a battle between strong balance sheet health and poor valuation/execution metrics.

Strengths
Strong Piotroski F-Score (8/9) indicating high operational health
Low Debt/Equity ratio (0.33) suggesting minimal insolvency risk
Attractive Price/Sales ratio (0.87) relative to sector
Risks
Significant premium to Intrinsic Value ($28.88 vs $13.28)
Poor earnings track record with only 1 beat in the last 4 quarters
Bearish insider activity with multiple executive sales and zero buys

Compare Another Pair

TRIN vs TRUP: Head-to-Head Comparison

This page compares Trinity Capital Inc. (TRIN) and Trupanion, Inc. (TRUP) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

Home
Terminal
AI
Markets
Profile