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TRUPANION INC (TRUP) Stock Fundamental Analysis

NASDAQ:TRUP - Nasdaq - US8982021060 - Common Stock - Currency: USD

49.76  -0.91 (-1.8%)

After market: 49.76 0 (0%)

Fundamental Rating

4

Overall TRUP gets a fundamental rating of 4 out of 10. We evaluated TRUP against 145 industry peers in the Insurance industry. The financial health of TRUP is average, but there are quite some concerns on its profitability. TRUP is valued quite expensive, but it does show an excellent growth.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

TRUP had positive earnings in the past year.
In the past year TRUP had a positive cash flow from operations.
In the past 5 years TRUP always reported negative net income.
Of the past 5 years TRUP 4 years had a positive operating cash flow.
TRUP Yearly Net Income VS EBIT VS OCF VS FCFTRUP Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M -20M 40M -40M

1.2 Ratios

TRUP's Return On Assets of -0.51% is on the low side compared to the rest of the industry. TRUP is outperformed by 84.14% of its industry peers.
With a Return On Equity value of -1.28%, TRUP is not doing good in the industry: 82.76% of the companies in the same industry are doing better.
TRUP has a worse Return On Invested Capital (0.14%) than 69.66% of its industry peers.
Industry RankSector Rank
ROA -0.51%
ROE -1.28%
ROIC 0.14%
ROA(3y)-4.52%
ROA(5y)-4.21%
ROE(3y)-10.78%
ROE(5y)-8.95%
ROIC(3y)N/A
ROIC(5y)N/A
TRUP Yearly ROA, ROE, ROICTRUP Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 -10 -20 -30

1.3 Margins

TRUP has a worse Operating Margin (0.06%) than 84.83% of its industry peers.
The Gross Margin of TRUP (14.66%) is better than 86.90% of its industry peers.
In the last couple of years the Gross Margin of TRUP has declined.
Industry RankSector Rank
OM 0.06%
PM (TTM) N/A
GM 14.66%
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%
TRUP Yearly Profit, Operating, Gross MarginsTRUP Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 10 -10 15

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6

2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), TRUP is destroying value.
The number of shares outstanding for TRUP has been increased compared to 1 year ago.
The number of shares outstanding for TRUP has been increased compared to 5 years ago.
The debt/assets ratio for TRUP has been reduced compared to a year ago.
TRUP Yearly Shares OutstandingTRUP Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M
TRUP Yearly Total Debt VS Total AssetsTRUP Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M

2.2 Solvency

An Altman-Z score of 4.11 indicates that TRUP is not in any danger for bankruptcy at the moment.
TRUP's Altman-Z score of 4.11 is amongst the best of the industry. TRUP outperforms 97.24% of its industry peers.
TRUP has a debt to FCF ratio of 2.42. This is a good value and a sign of high solvency as TRUP would need 2.42 years to pay back of all of its debts.
The Debt to FCF ratio of TRUP (2.42) is comparable to the rest of the industry.
TRUP has a Debt/Equity ratio of 0.38. This is a healthy value indicating a solid balance between debt and equity.
TRUP has a Debt to Equity ratio of 0.38. This is comparable to the rest of the industry: TRUP outperforms 41.38% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.38
Debt/FCF 2.42
Altman-Z 4.11
ROIC/WACC0.02
WACC9.01%
TRUP Yearly LT Debt VS Equity VS FCFTRUP Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M 200M 300M

2.3 Liquidity

A Current Ratio of 1.70 indicates that TRUP should not have too much problems paying its short term obligations.
TRUP has a better Current ratio (1.70) than 90.34% of its industry peers.
TRUP has a Quick Ratio of 1.70. This is a normal value and indicates that TRUP is financially healthy and should not expect problems in meeting its short term obligations.
TRUP's Quick ratio of 1.70 is amongst the best of the industry. TRUP outperforms 90.34% of its industry peers.
Industry RankSector Rank
Current Ratio 1.7
Quick Ratio 1.7
TRUP Yearly Current Assets VS Current LiabilitesTRUP Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M 500M

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7

3. Growth

3.1 Past

TRUP shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 103.13%, which is quite impressive.
Looking at the last year, TRUP shows a quite strong growth in Revenue. The Revenue has grown by 14.08% in the last year.
TRUP shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 27.35% yearly.
EPS 1Y (TTM)103.13%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%81.25%
Revenue 1Y (TTM)14.08%
Revenue growth 3Y22.52%
Revenue growth 5Y27.35%
Sales Q2Q%11.71%

3.2 Future

The Earnings Per Share is expected to grow by 64.57% on average over the next years. This is a very strong growth
Based on estimates for the next years, TRUP will show a quite strong growth in Revenue. The Revenue will grow by 11.01% on average per year.
EPS Next Y126.27%
EPS Next 2Y114.39%
EPS Next 3Y64.57%
EPS Next 5YN/A
Revenue Next Year9.32%
Revenue Next 2Y7.65%
Revenue Next 3Y7.45%
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.
TRUP Yearly Revenue VS EstimatesTRUP Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 500M 1B 1.5B 2B
TRUP Yearly EPS VS EstimatesTRUP Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 -1 -2 -3 -4 -5

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1

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 2488.00, TRUP can be considered very expensive at the moment.
TRUP's Price/Earnings ratio is rather expensive when compared to the industry. TRUP is more expensive than 84.83% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.41, TRUP is valued quite expensively.
TRUP is valuated quite expensively with a Price/Forward Earnings ratio of 174.23.
Compared to the rest of the industry, the Price/Forward Earnings ratio of TRUP indicates a rather expensive valuation: TRUP more expensive than 82.07% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of TRUP to the average of the S&P500 Index (35.19), we can say TRUP is valued expensively.
Industry RankSector Rank
PE 2488
Fwd PE 174.23
TRUP Price Earnings VS Forward Price EarningsTRUP Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 500 1K 1.5K 2K

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, TRUP is valued a bit more expensive than 71.03% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, TRUP is valued a bit more expensive than 75.86% of the companies in the same industry.
Industry RankSector Rank
P/FCF 39.99
EV/EBITDA 102.88
TRUP Per share dataTRUP EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
TRUP's earnings are expected to grow with 64.57% in the coming years. This may justify a more expensive valuation.
PEG (NY)19.7
PEG (5Y)N/A
EPS Next 2Y114.39%
EPS Next 3Y64.57%

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0

5. Dividend

5.1 Amount

TRUP does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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TRUPANION INC

NASDAQ:TRUP (7/11/2025, 8:00:02 PM)

After market: 49.76 0 (0%)

49.76

-0.91 (-1.8%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)05-01 2025-05-01/amc
Earnings (Next)07-31 2025-07-31/amc
Inst Owners98.95%
Inst Owner Change0%
Ins Owners5.24%
Ins Owner Change1.52%
Market Cap2.13B
Analysts81.67
Price Target53.3 (7.11%)
Short Float %19.55%
Short Ratio14.09
Dividend
Industry RankSector 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)75.15%
Min EPS beat(2)39.14%
Max EPS beat(2)111.15%
EPS beat(4)4
Avg EPS beat(4)80.9%
Min EPS beat(4)25.3%
Max EPS beat(4)148.02%
EPS beat(8)8
Avg EPS beat(8)63.27%
EPS beat(12)9
Avg EPS beat(12)30.5%
EPS beat(16)11
Avg EPS beat(16)21.83%
Revenue beat(2)0
Avg Revenue beat(2)-1.08%
Min Revenue beat(2)-1.41%
Max Revenue beat(2)-0.76%
Revenue beat(4)0
Avg Revenue beat(4)-0.66%
Min Revenue beat(4)-1.41%
Max Revenue beat(4)-0.23%
Revenue beat(8)3
Avg Revenue beat(8)0.02%
Revenue beat(12)3
Avg Revenue beat(12)-0.12%
Revenue beat(16)5
Avg Revenue beat(16)-0.15%
PT rev (1m)0%
PT rev (3m)-4.57%
EPS NQ rev (1m)-22.23%
EPS NQ rev (3m)-340.22%
EPS NY rev (1m)-39.3%
EPS NY rev (3m)-71.67%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.44%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.13%
Valuation
Industry RankSector Rank
PE 2488
Fwd PE 174.23
P/S 1.61
P/FCF 39.99
P/OCF 34.44
P/B 6.38
P/tB 7.52
EV/EBITDA 102.88
EPS(TTM)0.02
EY0.04%
EPS(NY)0.29
Fwd EY0.57%
FCF(TTM)1.24
FCFY2.5%
OCF(TTM)1.45
OCFY2.9%
SpS30.89
BVpS7.8
TBVpS6.62
PEG (NY)19.7
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -0.51%
ROE -1.28%
ROCE 0.18%
ROIC 0.14%
ROICexc 0.45%
ROICexgc 0.69%
OM 0.06%
PM (TTM) N/A
GM 14.66%
FCFM 4.03%
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
ROICexcg growth 3YN/A
ROICexcg 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-Score7
Asset Turnover1.58
Health
Industry RankSector Rank
Debt/Equity 0.38
Debt/FCF 2.42
Debt/EBITDA 7.37
Cap/Depr 52.08%
Cap/Sales 0.65%
Interest Coverage 250
Cash Conversion 357.22%
Profit Quality N/A
Current Ratio 1.7
Quick Ratio 1.7
Altman-Z 4.11
F-Score7
WACC9.01%
ROIC/WACC0.02
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)103.13%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%81.25%
EPS Next Y126.27%
EPS Next 2Y114.39%
EPS Next 3Y64.57%
EPS Next 5YN/A
Revenue 1Y (TTM)14.08%
Revenue growth 3Y22.52%
Revenue growth 5Y27.35%
Sales Q2Q%11.71%
Revenue Next Year9.32%
Revenue Next 2Y7.65%
Revenue Next 3Y7.45%
Revenue Next 5Y11.01%
EBIT growth 1Y103.78%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year948.43%
EBIT Next 3Y131.69%
EBIT Next 5Y66.67%
FCF growth 1Y277.52%
FCF growth 3YN/A
FCF growth 5Y29.02%
OCF growth 1Y648.51%
OCF growth 3Y86.36%
OCF growth 5Y24.47%