TRUPANION INC (TRUP) Fundamental Analysis & Valuation

NASDAQ:TRUP • US8982021060

Current stock price

27.75 USD
+0.55 (+2.02%)
At close:
27.75 USD
0 (0%)
After Hours:

This TRUP fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. TRUP Profitability Analysis

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 reported 4 times 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20M -20M 40M -40M 60M 80M

1.2 Ratios

  • TRUP has a Return On Assets (2.12%) which is in line with its industry peers.
  • The Return On Equity of TRUP (5.06%) is worse than 74.32% of its industry peers.
  • TRUP has a Return On Invested Capital of 2.67%. This is comparable to the rest of the industry: TRUP outperforms 52.70% of its industry peers.
Industry RankSector Rank
ROA 2.12%
ROE 5.06%
ROIC 2.67%
ROA(3y)-1.59%
ROA(5y)-3.55%
ROE(3y)-4.21%
ROE(5y)-7.59%
ROIC(3y)N/A
ROIC(5y)N/A
TRUP Yearly ROA, ROE, ROICTRUP Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 -5 -10 -15

1.3 Margins

  • With a Profit Margin value of 1.35%, TRUP is not doing good in the industry: 83.11% of the companies in the same industry are doing better.
  • With a Operating Margin value of 1.06%, TRUP is not doing good in the industry: 84.46% of the companies in the same industry are doing better.
  • TRUP's Gross Margin of 16.05% is amongst the best of the industry. TRUP outperforms 85.81% of its industry peers.
  • TRUP's Gross Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 1.06%
PM (TTM) 1.35%
GM 16.05%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y5.94%
GM growth 5Y-0.33%
TRUP Yearly Profit, Operating, Gross MarginsTRUP Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 -5 10 15

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

6

2. TRUP Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), TRUP is destroying value.
  • TRUP has more shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, TRUP has more shares outstanding
  • The debt/assets ratio for TRUP has been reduced compared to a year ago.
TRUP Yearly Shares OutstandingTRUP Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M
TRUP Yearly Total Debt VS Total AssetsTRUP Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M

2.2 Solvency

  • TRUP has an Altman-Z score of 3.04. This indicates that TRUP is financially healthy and has little risk of bankruptcy at the moment.
  • Looking at the Altman-Z score, with a value of 3.04, TRUP belongs to the top of the industry, outperforming 95.27% of the companies in the same industry.
  • TRUP has a debt to FCF ratio of 1.48. This is a very positive value and a sign of high solvency as it would only need 1.48 years to pay back of all of its debts.
  • TRUP has a Debt to FCF ratio (1.48) which is comparable to the rest of the industry.
  • TRUP has a Debt/Equity ratio of 0.27. This is a healthy value indicating a solid balance between debt and equity.
  • TRUP has a Debt to Equity ratio (0.27) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.27
Debt/FCF 1.48
Altman-Z 3.04
ROIC/WACC0.3
WACC8.99%
TRUP Yearly LT Debt VS Equity VS FCFTRUP Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 100M 200M 300M

2.3 Liquidity

  • A Current Ratio of 1.69 indicates that TRUP should not have too much problems paying its short term obligations.
  • TRUP has a Current ratio of 1.69. This is amongst the best in the industry. TRUP outperforms 87.16% of its industry peers.
  • TRUP has a Quick 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 Quick ratio, with a value of 1.69, TRUP belongs to the top of the industry, outperforming 87.16% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.69
Quick Ratio 1.69
TRUP Yearly Current Assets VS Current LiabilitesTRUP Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

7

3. TRUP Growth Analysis

3.1 Past

  • TRUP shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 363.64%, which is quite impressive.
  • The Revenue has grown by 11.95% in the past year. This is quite good.
  • TRUP shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 23.45% yearly.
EPS 1Y (TTM)363.64%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-18.75%
Revenue 1Y (TTM)11.95%
Revenue growth 3Y16.72%
Revenue growth 5Y23.45%
Sales Q2Q%11.72%

3.2 Future

  • TRUP is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 32.74% yearly.
  • The Revenue is expected to grow by 11.22% on average over the next years. This is quite good.
EPS Next Y74.69%
EPS Next 2Y55.33%
EPS Next 3Y32.74%
EPS Next 5YN/A
Revenue Next Year9.68%
Revenue Next 2Y9.25%
Revenue Next 3Y8.58%
Revenue Next 5Y11.22%

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 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 0 -1 -2 -3 -4 -5

More info and screens

Find the best growth stocksShow best growing peers

1

4. TRUP Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 95.69, which means the current valuation is very expensive for TRUP.
  • 85.14% of the companies in the same industry are cheaper than TRUP, based on the Price/Earnings ratio.
  • The average S&P500 Price/Earnings ratio is at 27.53. TRUP is valued rather expensively when compared to this.
  • TRUP is valuated quite expensively with a Price/Forward Earnings ratio of 54.78.
  • TRUP's Price/Forward Earnings ratio is rather expensive when compared to the industry. TRUP is more expensive than 81.08% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 37.95. TRUP is valued slightly more expensive when compared to this.
Industry RankSector Rank
PE 95.69
Fwd PE 54.78
TRUP Price Earnings VS Forward Price EarningsTRUP Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80

4.2 Price Multiples

  • 66.22% of the companies in the same industry are cheaper than TRUP, based on the Enterprise Value to EBITDA ratio.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of TRUP indicates a slightly more expensive valuation: TRUP is more expensive than 62.16% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 15.99
EV/EBITDA 22.94
TRUP Per share dataTRUP EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

  • TRUP's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
  • TRUP's earnings are expected to grow with 32.74% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.28
PEG (5Y)N/A
EPS Next 2Y55.33%
EPS Next 3Y32.74%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. TRUP Dividend Analysis

5.1 Amount

  • No dividends for TRUP!.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

TRUP Fundamentals: All Metrics, Ratios and Statistics

TRUPANION INC

NASDAQ:TRUP (4/16/2026, 8:03:33 PM)

After market: 27.75 0 (0%)

27.75

+0.55 (+2.02%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-12
Earnings (Next)04-30
Inst Owners84.79%
Inst Owner Change0.33%
Ins Owners5.31%
Ins Owner Change6.08%
Market Cap1.21B
Revenue(TTM)1.44B
Net Income(TTM)19.43M
Analysts80
Price Target46.16 (66.34%)
Short Float %9.7%
Short Ratio7.26
Dividend
Industry RankSector Rank
Dividend Yield 0%
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)1
Avg EPS beat(2)3.14%
Min EPS beat(2)-21.17%
Max EPS beat(2)27.45%
EPS beat(4)3
Avg EPS beat(4)92.92%
Min EPS beat(4)-21.17%
Max EPS beat(4)326.24%
EPS beat(8)7
Avg EPS beat(8)84.64%
EPS beat(12)10
Avg EPS beat(12)61.54%
EPS beat(16)11
Avg EPS beat(16)41.91%
Revenue beat(2)0
Avg Revenue beat(2)-1.06%
Min Revenue beat(2)-1.61%
Max Revenue beat(2)-0.51%
Revenue beat(4)0
Avg Revenue beat(4)-4.6%
Min Revenue beat(4)-15.52%
Max Revenue beat(4)-0.51%
Revenue beat(8)0
Avg Revenue beat(8)-2.55%
Revenue beat(12)3
Avg Revenue beat(12)-1.48%
Revenue beat(16)3
Avg Revenue beat(16)-1.19%
PT rev (1m)-2.16%
PT rev (3m)-15.81%
EPS NQ rev (1m)4.89%
EPS NQ rev (3m)-4.44%
EPS NY rev (1m)0.68%
EPS NY rev (3m)-1.45%
Revenue NQ rev (1m)-0.57%
Revenue NQ rev (3m)-0.15%
Revenue NY rev (1m)-0.62%
Revenue NY rev (3m)0.12%
Valuation
Industry RankSector Rank
PE 95.69
Fwd PE 54.78
P/S 0.84
P/FCF 15.99
P/OCF 13.47
P/B 3.14
P/tB 3.76
EV/EBITDA 22.94
EPS(TTM)0.29
EY1.05%
EPS(NY)0.51
Fwd EY1.83%
FCF(TTM)1.74
FCFY6.25%
OCF(TTM)2.06
OCFY7.43%
SpS33.14
BVpS8.84
TBVpS7.38
PEG (NY)1.28
PEG (5Y)N/A
Graham Number7.59495 (-72.63%)
Profitability
Industry RankSector Rank
ROA 2.12%
ROE 5.06%
ROCE 3.02%
ROIC 2.67%
ROICexc 10.03%
ROICexgc 19%
OM 1.06%
PM (TTM) 1.35%
GM 16.05%
FCFM 5.24%
ROA(3y)-1.59%
ROA(5y)-3.55%
ROE(3y)-4.21%
ROE(5y)-7.59%
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 3Y5.94%
GM growth 5Y-0.33%
F-Score6
Asset Turnover1.57
Health
Industry RankSector Rank
Debt/Equity 0.27
Debt/FCF 1.48
Debt/EBITDA 3.27
Cap/Depr 89.22%
Cap/Sales 0.98%
Interest Coverage 1.17
Cash Conversion 287.68%
Profit Quality 387.79%
Current Ratio 1.69
Quick Ratio 1.69
Altman-Z 3.04
F-Score6
WACC8.99%
ROIC/WACC0.3
Cap/Depr(3y)98.26%
Cap/Depr(5y)110.91%
Cap/Sales(3y)1.13%
Cap/Sales(5y)1.41%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)363.64%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-18.75%
EPS Next Y74.69%
EPS Next 2Y55.33%
EPS Next 3Y32.74%
EPS Next 5YN/A
Revenue 1Y (TTM)11.95%
Revenue growth 3Y16.72%
Revenue growth 5Y23.45%
Sales Q2Q%11.72%
Revenue Next Year9.68%
Revenue Next 2Y9.25%
Revenue Next 3Y8.58%
Revenue Next 5Y11.22%
EBIT growth 1Y478.65%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year452.01%
EBIT Next 3Y94.58%
EBIT Next 5Y48.94%
FCF growth 1Y95.38%
FCF growth 3YN/A
FCF growth 5Y39.84%
OCF growth 1Y85.33%
OCF growth 3YN/A
OCF growth 5Y32.95%

TRUPANION INC / TRUP Fundamental Analysis 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 for TRUP stock?

ChartMill assigns a valuation rating of 1 / 10 to TRUPANION INC (TRUP). This can be considered as Overvalued.


What is the profitability of TRUP stock?

TRUPANION INC (TRUP) has a profitability rating of 3 / 10.


What are the PE and PB ratios of TRUPANION INC (TRUP) stock?

The Price/Earnings (PE) ratio for TRUPANION INC (TRUP) is 95.69 and the Price/Book (PB) ratio is 3.14.