Heritage Insurance (HRTG) vs Trupanion (TRUP)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 9, 2026.
Summary
Heritage Insurance (HRTG) has outperformed Trupanion (TRUP) over the past year, gaining 35.9% versus a loss of 39.0%. Over five years, HRTG leads with a +411.3% price change compared with -71.7% for TRUP. Trupanion is the larger company by market cap ($1.13 billion vs $1.05 billion), about 1.1 times the size.
On valuation, Trupanion trades at a lower forward P/E (6.1x vs 6.8x for Heritage Insurance).
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | HRTG | TRUP |
|---|---|---|
| Share price | $35.23 | $25.82 |
| Market cap | $1.05B | $1.13B |
| 1-day change | +2.00% | +4.83% |
| YTD return | +20.40% | -30.91% |
| 1-year return | +35.87% | -38.99% |
| 5-year return | +411.32% | -71.68% |
| P/E ratio (TTM) | 5.03 | 48.72 |
| Forward P/E | 6.80 | 6.06 |
| EPS (TTM) | $7.01 | $0.53 |
| Dividend yield | 0.00% | 0.00% |
| Annual dividend | $0.00 | $0.00 |
| 52-week high | $36.50 | $46.98 |
| 52-week low | $20.48 | $21.16 |
| Distance from 52-week high | -3.48% | -45.04% |
| Analyst consensus | buy | buy |
| Avg. price target upside | +10.70% | +32.65% |
| Average volume | 293.51K | 473.25K |
| Shares outstanding | 29.73M | 43.62M |
| Employees | 542 | 1,121 |
| Sector | Finance | Health Care |
| Industry | Property-Casualty Insurers | Medical Specialities |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- HRTG has outperformed TRUP by 74.9 percentage points over the past year.
- Trupanion trades at a higher earnings multiple (48.7x vs 5.0x trailing P/E).
- The two companies sit in different sectors: Heritage Insurance in Finance and Trupanion in Health Care.
About Heritage Insurance
HRTG stock →Heritage Insurance Holdings, Inc., through its subsidiaries, provides personal and commercial residential insurance products. It offers personal residential insurance in Alabama, California, Connecticut, Delaware, Florida, Georgia, Hawaii, Maryland, Massachusetts, Mississippi, New Jersey, New York, North Carolina, Rhode Island, South Carolina, and Virginia; and commercial residential property insurance in Florida, Hawaii, New Jersey, and New York.
Finance · Property-Casualty Insurers · 542 employees
About Trupanion
TRUP stock →Trupanion, Inc., together with its subsidiaries, provides medical insurance for cats and dogs on subscription basis in the United States, Canada, and Continental Europe. The company operates in two segments, Subscription Business and Other Business.
Health Care · Medical Specialities · 1,121 employees
HRTG vs TRUP FAQ
Which is bigger, Heritage Insurance or Trupanion?
Trupanion (TRUP) is larger, with a market capitalization of $1.13B compared with $1.05B for Heritage Insurance (HRTG).
Which stock has performed better over the past year, HRTG or TRUP?
HRTG returned +35.87% over the past 12 months, compared with -38.99% for TRUP (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, HRTG or TRUP?
HRTG has the lower trailing P/E at 5.0, versus 48.7 for TRUP. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Are Heritage Insurance and Trupanion in the same industry?
No. Heritage Insurance is in the Finance sector, while Trupanion is in Health Care.