TRUP vs HBT

Comparison between Trupanion Inc (TRUP, Company) and HBT Financial Inc (HBT, Company).

Both TRUP and HBT are from the Financial Services sector.

5-Year PerformanceHBT has outperformed TRUP, delivering a return of +17.9% compared to -25.6%

TRUP vs HBT - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	TRUP(COMPANY)	HBT(COMPANY)
Market Cap	$1.15B	$1.15B
Max Drawdown	87.34%	54.31%
Sharpe Ratio	-1.72	0.89
5Y Beta	1.06	0.71
Industry	Insurance - Property & Casualty	Banks - Regional
P/E Ratio	44.40	14.73
Forward P/E	1428.57	N/A
PEG Ratio	0.00	N/A
Dividend Yield	N/A	2.70%
5Y Dividends CAGR	N/A	7.96%
5Y EPS CAGR	N/A	5.15%
Debt to Equity	27.70%	0.00%
Free Cash Flow Yield	6.51%	7.22%
P/S Ratio	0.78	4.81
P/B Ratio	2.99	1.57

Market Cap

Winner

TRUP

$1.15B

HBT

$1.15B

Max Drawdown

TRUP

87.34%

Winner

HBT

54.31%

Sharpe Ratio

TRUP

-1.72

Winner

HBT

0.89

5Y Beta

TRUP

1.06

Winner

HBT

0.71

Industry

TRUP

Insurance - Property & Casualty

HBT

Banks - Regional

P/E Ratio

TRUP

44.40

Winner

HBT

14.73

Forward P/E

TRUP

1428.57

HBT

N/A

PEG Ratio

TRUP

0.00

HBT

N/A

Dividend Yield

TRUP

N/A

HBT

2.70%

5Y Dividends CAGR

TRUP

N/A

HBT

7.96%

5Y EPS CAGR

TRUP

N/A

HBT

5.15%

Debt to Equity

TRUP

27.70%

Winner

HBT

0.00%

Free Cash Flow Yield

TRUP

6.51%

Winner

HBT

7.22%

P/S Ratio

Winner

TRUP

0.78

HBT

4.81

P/B Ratio

TRUP

2.99

Winner

HBT

1.57

TRUP vs HBT - Historical Returns

Returns include dividend reinvestment.

Period	TRUP	HBT
1 month	+10.48%	+5.25%
3 months	+5.26%	+14.44%
6 months	-28.17%	+23.19%
1 year	-49.02%	+26.03%
5 years(CAGR)	-25.55%	+17.88%
10 years(CAGR)	+6.03%	N/A
Max(CAGR)	+7.07%	+15.32%

Winner

TRUP

+10.48%

HBT

+5.25%

TRUP

+5.26%

Winner

HBT

+14.44%

TRUP

-28.17%

Winner

HBT

+23.19%

TRUP

-49.02%

Winner

HBT

+26.03%

5Y(CAGR)

TRUP

-25.55%

Winner

HBT

+17.88%

10Y(CAGR)

TRUP

+6.03%

HBT

N/A

Max(CAGR)

TRUP

+7.07%

Winner

HBT

+15.32%

TRUP vs HBT - Annual Returns (2014 - 2026)

Returns include dividend reinvestment.

Year	TRUP	HBT
2026	-30.56%	+26.74%
2025	-22.47%	+24.49%
2024	+56.70%	+6.49%
2023	-33.12%	+13.11%
2022	-63.24%	+8.06%
2021	+15.37%	+29.31%
2020	+230.33%	-17.25%
2019	+46.73%	+22.20%
2018	-12.02%	N/A
2017	+86.55%	N/A
2016	+66.88%	N/A
2015	+35.93%	N/A
2014	-39.21%	N/A

TRUP vs HBT Drawdown Comparison

The maximum drawdown for TRUP was -87.34%, occurring on Jun 30, 2023. This drawdown has not yet recovered.

The maximum drawdown for HBT was -53.94%, occurring on Mar 23, 2020. Recovery took 441 trading sessions.

The current TRUP drawdown is -83.38%. The current HBT drawdown is -2.08%.

Rank	TRUP	HBT
#1	-87.34% Dec 7, 2021 - Jun 30, 2023	-53.94% Feb 5, 2020 - Nov 3, 2021
#2	-54.04% Jul 19, 2018 - Jul 10, 2020	-27.07% Mar 6, 2023 - Jul 16, 2024
#3	-53.88% Jul 21, 2014 - Apr 14, 2016	-18.67% Feb 6, 2025 - Jul 1, 2025
#4	-41.87% Feb 8, 2021 - Nov 5, 2021	-17.33% Feb 8, 2022 - Oct 28, 2022
#5	-29.25% Jan 29, 2018 - Jun 13, 2018	-16.45% Jul 23, 2024 - Nov 6, 2024
#6	-23.37% Oct 19, 2020 - Nov 18, 2020	-16.19% Nov 11, 2024 - Jan 30, 2025
#7	-23.03% Aug 6, 2020 - Sep 29, 2020	-13.44% Nov 10, 2022 - Feb 3, 2023
#8	-20.98% May 20, 2016 - Sep 8, 2016	-13.40% Aug 27, 2025 - Dec 12, 2025
#9	-19.03% Nov 11, 2016 - May 4, 2017	-12.01% Feb 17, 2026 - Jun 8, 2026
#10	-18.99% Nov 16, 2021 - Dec 7, 2021	-9.56% Jul 3, 2025 - Aug 22, 2025
#11	-14.77% Jul 27, 2017 - Sep 26, 2017	-8.76% Jan 11, 2022 - Feb 8, 2022
#12	-12.88% Sep 22, 2016 - Nov 11, 2016	-7.44% Nov 9, 2021 - Jan 5, 2022
#13	-12.58% Nov 6, 2017 - Jan 11, 2018	-7.25% Jan 22, 2026 - Feb 4, 2026
#14	-8.29% May 4, 2017 - May 26, 2017	-6.81% Dec 18, 2025 - Jan 21, 2026
#15	-8.09% Dec 22, 2020 - Feb 8, 2021	-5.34% Nov 4, 2022 - Nov 10, 2022

Correlation

Correlation between TRUP and HBT is -0.40 which considered as a weak negative correlation - the stocks show a slight tendency to move in opposite directions.

-0.40

-101