BLK
BlackRock, Inc.
BLK has lower modeled downside risk, despite its lower overall score.
TRUP
Trupanion, Inc.
TRUP has the edge over BLK overall, supported by stronger valuation and stronger modeled upside.
BLK Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
BLK's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like BLK.
TRUP Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Healthy | |
| N/A | |
| N/A |
TRUP's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like TRUP.
BLK PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 19x | $848 | -30% |
| Fair | 22x | $973 | -20% |
| Expensive | 26x | $1,149 | -5.5% |
| Current | 28x | $1,217 | — |
Historical ranges are pointers, not guarantees.
BLK's PE is in its expensive range at 28x.
TRUP PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 44x | $27.09 | -21% |
| Forward | 48x | $34.30 | — |
| Current | 56x | $34.30 | — |
| Fair | 64x | $38.94 | +14% |
| Expensive | 185x | $113 | +229% |
Historical ranges are pointers, not guarantees.
TRUP has the edge over BLK in the historical PE scenario, which offers more potential upside but is not a forecast.
BLK Forward outlook
There aren't enough analyst estimates for BLK to show an outlook.
TRUP Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Strong growth | |
| Growth | |
| Stable | |
| Limited | |
| Low |
Analysts expect earnings and revenue growth for TRUP, with profitability holding steady. However, they disagree widely on these estimates.
BLK Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | $43.87 | +11% |
| Q2 2026 | $41.73 | -0.4% |
| Q1 2026 | $39.73 | -4.7% |
| Q4 2025 | $35.31 | -17% |
| Q3 2025 | $39.42 | -2.7% |
| Q2 2025 | $41.89 | +4% |
| Q1 2025 | $41.69 | +5.9% |
| Q4 2024 | $42.53 | +16% |
BLK earned $43.87 per share over the past year, up 11% from the year before.
TRUP Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $0.72 | +17% |
| Q3 2026 | $0.61 | +69% |
| Q2 2026 | $0.53 | +104% |
| Q1 2026 | $0.59 | +$0.69 |
| Q4 2025 | $0.45 | +$0.68 |
| Q3 2025 | $0.36 | +$0.68 |
| Q2 2025 | $0.26 | +$0.71 |
| Q1 2025 | -$0.10 | +$0.54 |
| Q4 2024 | -$0.23 | +$0.85 |
TRUP has the edge over BLK on earnings, with more consistent year-over-year improvement.
BLK Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $7.8B | +19% |
| Q2 2026 | $7.1B | +31% |
| Q1 2026 | $6.7B | +27% |
| Q4 2025 | $7B | +23% |
| Q3 2025 | $6.5B | +25% |
| Q2 2025 | $5.4B | +13% |
| Q1 2025 | $5.3B | +12% |
| Q4 2024 | $5.7B | +23% |
BLK has the edge over TRUP on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 30% | 0 points |
| Q2 2026 | 35% | +2.8 points |
| Q1 2026 | 42% | +9.8 points |
| Q4 2025 | 24% | -13 points |
| Q3 2025 | 30% | -8.6 points |
| Q2 2025 | 32% | -5.5 points |
| Q1 2025 | 32% | -3.6 points |
| Q4 2024 | 37% | +2.3 points |
BLK has the edge over TRUP on profitability, with a higher operating margin.
TRUP Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $405.6M | +11% |
| Q2 2026 | $392.9M | +11% |
| Q1 2026 | $384M | +12% |
| Q4 2025 | $376.9M | +12% |
| Q3 2025 | $366.9M | +12% |
| Q2 2025 | $353.6M | +12% |
| Q1 2025 | $342M | +12% |
| Q4 2024 | $337.3M | +14% |
TRUP's revenue has grown year over year every quarter since late 2020: $406M last quarter, up 11% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 2.4% | +0.8 points |
| Q2 2026 | 1.6% | +1 points |
| Q1 2026 | 1.2% | +1.7 points |
| Q4 2025 | 1.9% | +1.8 points |
| Q3 2025 | 1.6% | +1.1 points |
| Q2 2025 | 0.7% | +2.4 points |
| Q1 2025 | -0.4% | +1.6 points |
| Q4 2024 | 0.1% | 0 points |
TRUP's operating margin was 2.4% last quarter, up 0.8 points from the same quarter a year ago, near the top of its range since 2019.
BLK Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $2.6B | +95% |
| Q2 2026 | $1.1B | -12% |
| Q1 2026 | -$1.1B | +$120M |
| Q4 2025 | $2.1B | -15% |
| Q2 2025 | $1.3B | -6.1% |
| Q1 2025 | -$1.2B | -$734M |
| Q4 2024 | $2.5B | +35% |
| Q2 2024 | $1.4B | +47% |
BLK's free cash flow was $4.8B over the past year, up 22% from the year before. Free cash flow isn't a meaningful measure for financial services companies like BLK.
TRUP Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $28.5M | +19% |
| Q2 2026 | $19.2M | +59% |
| Q1 2026 | $13.7M | -2.1% |
| Q4 2025 | $25.3M | +16% |
| Q3 2025 | $23.9M | +79% |
| Q2 2025 | $12M | +203% |
| Q1 2025 | $14M | +$14.7M |
| Q4 2024 | $21.8M | +61% |
TRUP has the edge over BLK on cash flow, with more consistent year-over-year improvement.
BLK Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.1% | -148K shares |
| 1 year | -0.4% | -677K shares |
| 3 years | +9.3% | +14M shares |
| 5 years | +6.2% | +9.6M shares |
| Available history | +4.4% | +7M shares |
BLK has the edge over TRUP on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q2 2025 | $396M |
| Q1 2025 | $657M |
| Q4 2024 | $386M |
| Q2 2024 | $519M |
| Q1 2024 | $634M |
| Q4 2023 | $384M |
| Q3 2023 | $396M |
| Q2 2023 | $383M |
TRUP Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.1% | -56.4K shares |
| 1 year | +0.5% | +203K shares |
| 3 years | +5.4% | +2.2M shares |
| 5 years | +8.6% | +3.5M shares |
| Available history | +20% | +7.4M shares |
TRUP has 44M diluted shares, about the same as a year ago.
| Quarter | Spent |
|---|---|
| Q4 2023 | — |
| Q3 2023 | — |
| Q4 2022 | — |
| Q3 2022 | $4,000 |
BLK Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.0x | Net Cash |
| Q2 2026 | 0.2x | Very low |
| Q1 2026 | 0.3x | Very low |
| Q4 2025 | 0.2x | Very low |
| Q3 2025 | 0.3x | Very low |
| Q2 2024 | 0.2x | Very low |
| Q1 2024 | 0.3x | Very low |
| Q4 2023 | 0.1x | Very low |
BLK has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like BLK.
TRUP Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -1.5x | Net Cash |
| Q2 2026 | -1.1x | Net Cash |
| Q1 2026 | -1.2x | Net Cash |
| Q4 2025 | -1.2x | Net Cash |
| Q3 2025 | -1.8x | Net Cash |
| Q2 2025 | -0.4x | Net Cash |
| Q1 2025 | -3.2x | Net Cash |
| Q4 2024 | -4.7x | Net Cash |
TRUP has the edge over BLK on leverage, with a lower net debt burden relative to earnings.
BLK Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 64.5 | Neutral |
| Stochastic | 79.0 | Neutral |
BLK's weekly RSI is 64 (neutral) and its Stochastic is 79 (neutral).
TRUP Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 62.0 | Neutral |
| Stochastic | 80.2 | Overbought |
TRUP's weekly RSI is 62 (neutral) and its Stochastic is 80 (overbought).
BLK PE vs Financial Services Sector
| Metric | BLK | Sector median | Relative |
|---|---|---|---|
| PE | 28x | 13x | 113% above |
| PE % | 97 | 63 | 34 pts above |
BLK has the edge over TRUP on valuation relative to its sector.
TRUP PE vs Financial Services Sector
| Metric | TRUP | Sector median | Relative |
|---|---|---|---|
| PE | 56x | 13x | 332% above |
| PE % | 33 | 63 | 30 pts below |
TRUP is trading at 56x earnings, a 332% premium to the Financial Services sector's median of 13x.
BLK Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $1,128.0 | 7.9% above |
| 20 week MA | $1,108.9 | 9.7% above |
| 50 week MA | $1,071.6 | 14% above |
| 100 week MA | $1,051.1 | 16% above |
| 200 week MA | $914.1 | 33% above |
BLK has the edge over TRUP on trend strength, trading above more of its moving averages.
TRUP Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $28.9 | 19% above |
| 20 week MA | $27.8 | 24% above |
| 50 week MA | $28.2 | 22% above |
| 100 week MA | $36.1 | 5% below |
| 200 week MA | $35.3 | 2.8% below |
TRUP has bounced recently, but its long-term trend is still down: it's above its 8-, 20- and 50-week averages, but 2.8% below its 200-week average.
BLK Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $503.0 | $707.2 | +41% |
| 2021 | $707.2 | $913.9 | +29% |
| 2022 | $913.9 | $703.9 | -23% |
| 2023 | $703.9 | $811.8 | +15% |
| 2024 | $811.8 | $1,044.2 | +29% |
| 2025 | $1,044.2 | $1,088.1 | +4.2% |
| 2026 YTD | $1,088.1 | $1,216.6 | +12% |
BLK has the edge over TRUP on returns for 2026, with the stronger performance.
TRUP Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $36.4 | $120.7 | +231% |
| 2021 | $120.7 | $133.6 | +11% |
| 2022 | $133.6 | $49.0 | -63% |
| 2023 | $49.0 | $30.5 | -38% |
| 2024 | $30.5 | $49.7 | +63% |
| 2025 | $49.7 | $37.8 | -24% |
| 2026 YTD | $37.8 | $34.3 | -9.1% |
TRUP's yearly returns have swung widely, from +231% in 2020 to −63% in 2022. It's down 9.1% so far in 2026.