TRUPANION INC (TRUP) Stock Fundamental Analysis
USA - NASDAQ:TRUP - US8982021060 - Common Stock
43.8 USD
-0.04 (-0.09%)
43.8 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to TRUP. TRUP was compared to 147 industry peers in the Insurance industry. TRUP scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. TRUP is valued quite expensively, but it does show have an excellent growth rating.
1. Profitability
1.1 Basic Checks
In the past year TRUP was profitable.
TRUP had a positive operating cash flow in the past year.
In the past 5 years TRUP always reported negative net income.
TRUP had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
TRUP has a Return On Assets (1.30%) which is comparable to the rest of the industry.
The Return On Equity of TRUP (3.10%) is worse than 80.27% of its industry peers.
TRUP has a Return On Invested Capital (1.42%) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.3% | ||
| ROE | 3.1% | ||
| ROIC | 1.42% |
ROA(3y)-4.52%
ROA(5y)-4.21%
ROE(3y)-10.78%
ROE(5y)-8.95%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
Looking at the Profit Margin, with a value of 0.81%, TRUP is doing worse than 82.99% of the companies in the same industry.
TRUP has a worse Operating Margin (0.63%) than 82.99% of its industry peers.
Looking at the Gross Margin, with a value of 15.31%, TRUP belongs to the top of the industry, outperforming 87.07% of the companies in the same industry.
TRUP's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 0.63% | ||
| PM (TTM) | 0.81% | ||
| GM | 15.31% |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-2.32%
GM growth 5Y-3.83%
2. Health
2.1 Basic Checks
TRUP has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
Compared to 1 year ago, TRUP has more shares outstanding
TRUP has more shares outstanding than it did 5 years ago.
The debt/assets ratio for TRUP has been reduced compared to a year ago.
2.2 Solvency
An Altman-Z score of 3.94 indicates that TRUP is not in any danger for bankruptcy at the moment.
The Altman-Z score of TRUP (3.94) is better than 97.28% of its industry peers.
TRUP has a debt to FCF ratio of 1.87. This is a very positive value and a sign of high solvency as it would only need 1.87 years to pay back of all of its debts.
TRUP has a Debt to FCF ratio (1.87) which is in line with its industry peers.
TRUP has a Debt/Equity ratio of 0.32. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.32, TRUP is in line with its industry, outperforming 50.34% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.32 | ||
| Debt/FCF | 1.87 | ||
| Altman-Z | 3.94 |
ROIC/WACC0.17
WACC8.62%
2.3 Liquidity
TRUP has a Current Ratio of 1.69. This is a normal value and indicates that TRUP is financially healthy and should not expect problems in meeting its short term obligations.
Looking at the Current ratio, with a value of 1.69, TRUP belongs to the top of the industry, outperforming 89.80% of the companies in the same industry.
A Quick Ratio of 1.69 indicates that TRUP should not have too much problems paying its short term obligations.
TRUP has a better Quick ratio (1.69) than 89.80% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.69 | ||
| Quick Ratio | 1.69 |
3. Growth
3.1 Past
TRUP shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 148.89%, which is quite impressive.
The Revenue has grown by 13.11% in the past year. This is quite good.
The Revenue has been growing by 27.35% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)148.89%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%142.86%
Revenue 1Y (TTM)13.11%
Revenue growth 3Y22.52%
Revenue growth 5Y27.35%
Sales Q2Q%-5.1%
3.2 Future
TRUP is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 88.36% yearly.
TRUP is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 11.01% yearly.
EPS Next Y494.09%
EPS Next 2Y127%
EPS Next 3Y88.36%
EPS Next 5YN/A
Revenue Next Year11.15%
Revenue Next 2Y9.52%
Revenue Next 3Y9.3%
Revenue Next 5Y11.01%
3.3 Evolution
Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
4. Valuation
4.1 Price/Earnings Ratio
TRUP is valuated quite expensively with a Price/Earnings ratio of 199.09.
Based on the Price/Earnings ratio, TRUP is valued expensively inside the industry as 87.07% of the companies are valued cheaper.
When comparing the Price/Earnings ratio of TRUP to the average of the S&P500 Index (26.91), we can say TRUP is valued expensively.
TRUP is valuated quite expensively with a Price/Forward Earnings ratio of 126.30.
78.91% of the companies in the same industry are cheaper than TRUP, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 22.92. TRUP is valued rather expensively when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 199.09 | ||
| Fwd PE | 126.3 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, TRUP is valued a bit more expensive than 71.43% of the companies in the same industry.
66.67% of the companies in the same industry are cheaper than TRUP, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 30.71 | ||
| EV/EBITDA | 60.2 |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
TRUP's earnings are expected to grow with 88.36% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.4
PEG (5Y)N/A
EPS Next 2Y127%
EPS Next 3Y88.36%
5. Dividend
5.1 Amount
No dividends for TRUP!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
43.8
-0.04 (-0.09%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners97.93%
Inst Owner Change0.01%
Ins Owners5.32%
Ins Owner Change1.65%
Market Cap1.88B
Revenue(TTM)1.36B
Net Income(TTM)11.01M
Analysts80
Price Target57.63 (31.58%)
Short Float %16.83%
Short Ratio16.3
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)182.69%
Min EPS beat(2)39.14%
Max EPS beat(2)326.24%
EPS beat(4)4
Avg EPS beat(4)156.14%
Min EPS beat(4)39.14%
Max EPS beat(4)326.24%
EPS beat(8)8
Avg EPS beat(8)101.48%
EPS beat(12)10
Avg EPS beat(12)61.85%
EPS beat(16)12
Avg EPS beat(16)47.25%
Revenue beat(2)0
Avg Revenue beat(2)-8.14%
Min Revenue beat(2)-15.52%
Max Revenue beat(2)-0.76%
Revenue beat(4)0
Avg Revenue beat(4)-4.48%
Min Revenue beat(4)-15.52%
Max Revenue beat(4)-0.23%
Revenue beat(8)2
Avg Revenue beat(8)-2.04%
Revenue beat(12)3
Avg Revenue beat(12)-1.37%
Revenue beat(16)4
Avg Revenue beat(16)-1.12%
PT rev (1m)0%
PT rev (3m)8.13%
EPS NQ rev (1m)108.33%
EPS NQ rev (3m)756.9%
EPS NY rev (1m)534.33%
EPS NY rev (3m)1400.18%
Revenue NQ rev (1m)0.06%
Revenue NQ rev (3m)2.12%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.68%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 199.09 | ||
| Fwd PE | 126.3 | ||
| P/S | 1.38 | ||
| P/FCF | 30.71 | ||
| P/OCF | 26.9 | ||
| P/B | 5.3 | ||
| P/tB | 6.53 | ||
| EV/EBITDA | 60.2 |
EPS(TTM)0.22
EY0.5%
EPS(NY)0.35
Fwd EY0.79%
FCF(TTM)1.43
FCFY3.26%
OCF(TTM)1.63
OCFY3.72%
SpS31.64
BVpS8.27
TBVpS6.71
PEG (NY)0.4
PEG (5Y)N/A
Graham Number6.4
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.3% | ||
| ROE | 3.1% | ||
| ROCE | 1.8% | ||
| ROIC | 1.42% | ||
| ROICexc | 4.34% | ||
| ROICexgc | 7.63% | ||
| OM | 0.63% | ||
| PM (TTM) | 0.81% | ||
| GM | 15.31% | ||
| FCFM | 4.51% |
ROA(3y)-4.52%
ROA(5y)-4.21%
ROE(3y)-10.78%
ROE(5y)-8.95%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-2.32%
GM growth 5Y-3.83%
F-Score8
Asset Turnover1.6
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.32 | ||
| Debt/FCF | 1.87 | ||
| Debt/EBITDA | 4.59 | ||
| Cap/Depr | 54.02% | ||
| Cap/Sales | 0.64% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 284.16% | ||
| Profit Quality | 556.82% | ||
| Current Ratio | 1.69 | ||
| Quick Ratio | 1.69 | ||
| Altman-Z | 3.94 |
F-Score8
WACC8.62%
ROIC/WACC0.17
Cap/Depr(3y)120.68%
Cap/Depr(5y)114.14%
Cap/Sales(3y)1.43%
Cap/Sales(5y)1.51%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)148.89%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%142.86%
EPS Next Y494.09%
EPS Next 2Y127%
EPS Next 3Y88.36%
EPS Next 5YN/A
Revenue 1Y (TTM)13.11%
Revenue growth 3Y22.52%
Revenue growth 5Y27.35%
Sales Q2Q%-5.1%
Revenue Next Year11.15%
Revenue Next 2Y9.52%
Revenue Next 3Y9.3%
Revenue Next 5Y11.01%
EBIT growth 1Y159.23%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year1075.68%
EBIT Next 3Y109.27%
EBIT Next 5Y66.67%
FCF growth 1Y297.27%
FCF growth 3YN/A
FCF growth 5Y29.02%
OCF growth 1Y705.94%
OCF growth 3Y86.36%
OCF growth 5Y24.47%
TRUPANION INC / TRUP FAQ
What is the ChartMill fundamental rating of TRUPANION INC (TRUP) stock?
ChartMill assigns a fundamental rating of 4 / 10 to TRUP.
What is the valuation status of TRUPANION INC (TRUP) stock?
ChartMill assigns a valuation rating of 2 / 10 to TRUPANION INC (TRUP). This can be considered as Overvalued.
Can you provide the profitability details for TRUPANION INC?
TRUPANION INC (TRUP) has a profitability rating of 2 / 10.
Can you provide the expected EPS growth for TRUP stock?
The Earnings per Share (EPS) of TRUPANION INC (TRUP) is expected to grow by 494.09% in the next year.