Corebridge Financial (NYSE:CRBG) & Trupanion (NASDAQ:TRUP) Critical Survey

Corebridge Financial (NYSE:CRBG) and Trupanion (NASDAQ:TRUP) are both finance companies, but which is the superior business? We will compare the two businesses based on the strength of their profitability, institutional ownership, earnings, valuation, dividends, analyst recommendations and risk.

Institutional and Insider Ownership

98.3% of Corebridge Financial shares are owned by institutional investors. 0.3% of Corebridge Financial shares are owned by company insiders. Comparatively, 5.6% of Trupanion shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

Analyst Recommendations

This is a breakdown of recent recommendations and price targets for Corebridge Financial and Trupanion, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Corebridge Financial	0	6	9	0	2.60
Trupanion	0	5	1	0	2.17

Corebridge Financial currently has a consensus price target of $37.42, suggesting a potential upside of 7.44%. Trupanion has a consensus price target of $39.20, suggesting a potential upside of 59.54%. Given Trupanion’s higher possible upside, analysts plainly believe Trupanion is more favorable than Corebridge Financial.

Profitability

This table compares Corebridge Financial and Trupanion’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Corebridge Financial	4.37%	17.37%	0.52%
Trupanion	1.53%	5.96%	2.55%

Valuation & Earnings

This table compares Corebridge Financial and Trupanion”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Corebridge Financial	$20.46 billion	0.76	-$366.00 million	$1.71	20.37
Trupanion	$1.44 billion	0.75	$19.43 million	$0.53	46.36

Trupanion has lower revenue, but higher earnings than Corebridge Financial. Corebridge Financial is trading at a lower price-to-earnings ratio than Trupanion, indicating that it is currently the more affordable of the two stocks.

Risk and Volatility

Corebridge Financial has a beta of 1.07, meaning that its stock price is 7% more volatile than the S&P 500. Comparatively, Trupanion has a beta of 1.44, meaning that its stock price is 44% more volatile than the S&P 500.

Summary

Corebridge Financial beats Trupanion on 8 of the 14 factors compared between the two stocks.

About Corebridge Financial

Corebridge Financial, Inc. provides retirement solutions and insurance products in the United States. The company operates through Individual Retirement, Group Retirement, Life Insurance, and Institutional Markets segments. The Individual Retirement segment provides fixed annuities, fixed index annuities, variable annuities, and retail mutual funds. The Group Retirement segment offers record-keeping services, plan administration and compliance services, and financial planning and advisory solutions to employer-defined contribution plans and their participants, as well as proprietary and non-proprietary annuities, advisory services, and brokerage products. The Life Insurance segment offers term life and universal life insurance in the United States, as well as issues individual life, whole life, and group life insurance in the United Kingdom; and distributes medical insurance in Ireland. The Institutional Markets segment provides stable value wraps, structured settlement and pension risk transfer annuities, corporate and bank owned life insurance, private placement variable universal life and annuities products, and guaranteed investment contracts. The company was formerly known as SAFG Retirement Services, Inc. Corebridge Financial, Inc. was incorporated in 1998 and is headquartered in Houston, Texas. The company operates as a subsidiary of American International Group, Inc.

About Trupanion

Trupanion, Inc., together with its subsidiaries, provides medical insurance for cats and dogs on a monthly subscription basis in the United States, Canada, Continental Europe, and Australia. The company operates in two segments, Subscription Business and Other Business. It serves pet owners and veterinarians. The company was formerly known as Vetinsurance International, Inc. changed its name to Trupanion, Inc. in 2013. Trupanion, Inc. was founded in 2000 and is headquartered in Seattle, Washington.