Is TRUP or WTM more undervalued in 2026?

CirclFi compares Trupanion, Inc. (TRUP) and White Mountains Insurance Group (WTM) using 13 institutional-grade valuation models. TRUP has a Quality of Company score of 8.3/10 while WTM scores 8.7/10.

Which is a better buy — TRUP or WTM?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do TRUP and WTM valuations compare?

TRUP at $22.15 and WTM at $2084.31 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

TRUP vs WTM Valuation Comparison 2026 — Intrinsic Value Analysis

TRUP

Insurance - Property & Casualty

Trupanion, Inc.

Quality

8.3

out of 10

Value Trap

SAFE

Price

$22.15

Last close

Models

11/13

Active

WTM

Insurance - Property & Casualty

White Mountains Insurance Group

Quality

8.7

out of 10

Value Trap

LOW

Price

$2084.31

Last close

Models

12/13

Active

Model-by-Model Comparison

Model	Type	TRUP Fair Value	TRUP Upside	WTM Fair Value	WTM Upside
Bayesian DCF	Intrinsic	$20.31	-8.3%	$3424.46	+64.3%
Earnings Power Value	Intrinsic	$3.90	-82.4%	$1245.24	-42.4%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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TRUP vs WTM — Which Stock Is More Undervalued?

WTM scores higher with a 8.7/10 quality rating vs TRUP's 8.3/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Trupanion, Inc. (TRUP) and White Mountains Insurance Group (WTM) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

TRUP currently trades at $22.15 with a QOC of 8.3/10, while WTM trades at $2084.31 with a QOC of 8.7/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).