Analyzing Trupanion (NASDAQ:TRUP) and AIA (OTCMKTS:AAGIY)

Trupanion (NASDAQ:TRUP) and AIA (OTCMKTS:AAGIY) are both finance companies, but which is the superior investment? We will contrast the two businesses based on the strength of their institutional ownership, analyst recommendations, earnings, valuation, risk, profitability and dividends.

Analyst Ratings

This is a breakdown of recent ratings and target prices for Trupanion and AIA, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Trupanion	1	2	2	1	2.50
AIA	0	1	1	0	2.50

Trupanion presently has a consensus price target of $41.60, indicating a potential upside of 54.04%. Given Trupanion’s higher probable upside, equities analysts plainly believe Trupanion is more favorable than AIA.

Volatility and Risk

Trupanion has a beta of 1.39, indicating that its share price is 39% more volatile than the S&P 500. Comparatively, AIA has a beta of 0.23, indicating that its share price is 77% less volatile than the S&P 500.

Earnings and Valuation

This table compares Trupanion and AIA”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Trupanion	$1.52 billion	0.77	$19.43 million	$0.53	50.95
AIA	$21.62 billion	4.58	$6.23 billion	N/A	N/A

AIA has higher revenue and earnings than Trupanion.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Trupanion	1.53%	6.07%	2.56%
AIA	N/A	N/A	N/A

Insider and Institutional Ownership

0.2% of AIA shares are held by institutional investors. 5.6% of Trupanion shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.

Summary

Trupanion beats AIA on 8 of the 12 factors compared between the two stocks.

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.

About AIA

AIA Group Limited, together with its subsidiaries, provides life insurance based financial services. The company offers life insurance, accident, and health insurance and savings plans; and employee benefits, credit life, and pension services to corporate clients. It is also involved in the distribution of investment and other financial services products. The company sells its products through a network of agents and partners in Mainland China, Hong Kong, Macau, Thailand, Singapore, Malaysia, Australia, Cambodia, Indonesia, Myanmar, New Zealand, the Philippines, South Korea, Sri Lanka, Taiwan, Brunei, Vietnam, and India. AIA Group Limited was founded in 1919 and is based in Wan Chai, Hong Kong.