Trupanion (TRUP) vs UNIVERSAL INSURANCE HOLDINGS INC (UVE)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
UNIVERSAL INSURANCE HOLDINGS INC (UVE) has outperformed Trupanion (TRUP) over the past year, gaining 51.0% versus a loss of 41.8%. Over five years, UVE leads with a +234.4% price change compared with -73.0% for TRUP. UNIVERSAL INSURANCE HOLDINGS INC is the larger company by market cap ($1.26 billion vs $1.07 billion), about 1.2 times the size.
On valuation, Trupanion trades at a lower forward P/E (5.8x vs 10.1x for UNIVERSAL INSURANCE HOLDINGS INC). UNIVERSAL INSURANCE HOLDINGS INC pays a dividend yielding 1.41%, while Trupanion does not currently pay one.
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 | TRUP | UVE |
|---|---|---|
| Share price | $24.63 | $45.25 |
| Market cap | $1.07B | $1.26B |
| 1-day change | -0.20% | +4.00% |
| YTD return | -34.09% | +33.88% |
| 1-year return | -41.77% | +50.98% |
| 5-year return | -72.98% | +234.44% |
| P/E ratio (TTM) | 46.47 | 5.73 |
| Forward P/E | 5.78 | 10.06 |
| EPS (TTM) | $0.53 | $7.90 |
| Dividend yield | 0.00% | 1.41% |
| Annual dividend | $0.00 | $0.64 |
| 52-week high | $46.98 | $45.34 |
| 52-week low | $21.16 | $27.89 |
| Distance from 52-week high | -47.57% | -0.20% |
| Analyst consensus | buy | hold |
| Avg. price target upside | +39.06% | -0.55% |
| Average volume | 470.00K | 189.16K |
| Shares outstanding | 43.62M | 27.83M |
| Employees | 1,121 | 929 |
| Sector | Financial Services | Financial Services |
| Industry | Insurance - Property & Casualty | Insurance - Property & Casualty |
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
- UVE has outperformed TRUP by 92.8 percentage points over the past year.
- Trupanion trades at a higher earnings multiple (46.5x vs 5.7x trailing P/E).
- UNIVERSAL INSURANCE HOLDINGS INC offers a meaningfully higher dividend yield (1.41% vs 0.00%).
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.
Financial Services · Insurance - Property & Casualty · 1,121 employees
About UNIVERSAL INSURANCE HOLDINGS INC
UVE stock →Universal Insurance Holdings, Inc., together with its subsidiaries, operates as an integrated insurance holding company in the United States. The company offers insurance products for personal residential insurance, such as homeowners, renters and tenants, condo unit owners, and dwelling and fire; and allied lines, coverage for other structures, and personal property, liability, and personal articles coverages.
Financial Services · Insurance - Property & Casualty · 929 employees
TRUP vs UVE FAQ
Which is bigger, Trupanion or UNIVERSAL INSURANCE HOLDINGS INC?
UNIVERSAL INSURANCE HOLDINGS INC (UVE) is larger, with a market capitalization of $1.26B compared with $1.07B for Trupanion (TRUP).
Which stock has performed better over the past year, TRUP or UVE?
UVE returned +50.98% over the past 12 months, compared with -41.77% for TRUP (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, TRUP or UVE?
UVE has the lower trailing P/E at 5.7, versus 46.5 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.
Which pays a higher dividend, Trupanion or UNIVERSAL INSURANCE HOLDINGS INC?
UNIVERSAL INSURANCE HOLDINGS INC pays a dividend yielding 1.41%, while Trupanion does not currently pay a regular dividend.
Are Trupanion and UNIVERSAL INSURANCE HOLDINGS INC in the same industry?
Yes. Both are classified in the Insurance - Property & Casualty industry within the Financial Services sector.