TRUPANION INC (TRUP) Stock Fundamental Analysis
USA - NASDAQ:TRUP - US8982021060 - Common Stock
45.19 USD
+0.38 (+0.85%)
45.19 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to TRUP. TRUP was compared to 146 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 shows excellent growth, but is valued quite expensive already.
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.
TRUP had negative earnings in each of the past 5 years.
Of the past 5 years TRUP 4 years had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.30%, TRUP is in line with its industry, outperforming 45.89% of the companies in the same industry.
With a Return On Equity value of 3.10%, TRUP is not doing good in the industry: 78.08% of the companies in the same industry are doing better.
TRUP has a Return On Invested Capital of 1.42%. This is comparable to the rest of the industry: TRUP outperforms 45.21% of its industry peers.
| 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
TRUP has a Profit Margin of 0.81%. This is amonst the worse of the industry: TRUP underperforms 80.82% of its industry peers.
The Operating Margin of TRUP (0.63%) is worse than 82.19% of its industry peers.
TRUP has a better Gross Margin (15.31%) than 86.99% of its industry peers.
In the last couple of years the Gross Margin of TRUP has declined.
| 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.
TRUP has more shares outstanding than it did 1 year ago.
TRUP has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, TRUP has an improved debt to assets ratio.
2.2 Solvency
TRUP has an Altman-Z score of 3.99. This indicates that TRUP is financially healthy and has little risk of bankruptcy at the moment.
TRUP's Altman-Z score of 3.99 is amongst the best of the industry. TRUP outperforms 95.21% 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 comparable to the rest of the industry.
A Debt/Equity ratio of 0.32 indicates that TRUP is not too dependend on debt financing.
TRUP has a Debt to Equity ratio of 0.32. This is comparable to the rest of the industry: TRUP outperforms 50.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.32 | ||
| Debt/FCF | 1.87 | ||
| Altman-Z | 3.99 |
ROIC/WACC0.16
WACC8.74%
2.3 Liquidity
A Current Ratio of 1.69 indicates that TRUP should not have too much problems paying its short term obligations.
The Current ratio of TRUP (1.69) is better than 89.04% 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 89.04% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.69 | ||
| Quick Ratio | 1.69 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 148.89% over the past year.
Looking at the last year, TRUP shows a quite strong growth in Revenue. The Revenue has grown by 13.11% in the last year.
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 62.26% yearly.
The Revenue is expected to grow by 11.01% on average over the next years. This is quite good.
EPS Next Y162.13%
EPS Next 2Y141.25%
EPS Next 3Y62.26%
EPS Next 5YN/A
Revenue Next Year11.15%
Revenue Next 2Y9.38%
Revenue Next 3Y9.1%
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
With a Price/Earnings ratio of 205.41, TRUP can be considered very expensive at the moment.
Compared to the rest of the industry, the Price/Earnings ratio of TRUP indicates a rather expensive valuation: TRUP more expensive than 85.62% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 27.38. TRUP is valued rather expensively when compared to this.
With a Price/Forward Earnings ratio of 107.53, TRUP can be considered very expensive at the moment.
Based on the Price/Forward Earnings ratio, TRUP is valued a bit more expensive than the industry average as 79.45% of the companies are valued more cheaply.
When comparing the Price/Forward Earnings ratio of TRUP to the average of the S&P500 Index (22.86), we can say TRUP is valued expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 205.41 | ||
| Fwd PE | 107.53 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of TRUP indicates a slightly more expensive valuation: TRUP is more expensive than 71.23% of the companies listed in the same industry.
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 67.81% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 31.69 | ||
| EV/EBITDA | 61.89 |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
A more expensive valuation may be justified as TRUP's earnings are expected to grow with 62.26% in the coming years.
PEG (NY)1.27
PEG (5Y)N/A
EPS Next 2Y141.25%
EPS Next 3Y62.26%
5. Dividend
5.1 Amount
TRUP does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
45.19
+0.38 (+0.85%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners98.75%
Inst Owner Change-0.2%
Ins Owners5.24%
Ins Owner Change1.74%
Market Cap1.94B
Analysts80
Price Target57.63 (27.53%)
Short Float %17.47%
Short Ratio14.04
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)6.6%
PT rev (3m)8.13%
EPS NQ rev (1m)14.29%
EPS NQ rev (3m)140%
EPS NY rev (1m)136.5%
EPS NY rev (3m)43.56%
Revenue NQ rev (1m)0.56%
Revenue NQ rev (3m)2.05%
Revenue NY rev (1m)1.68%
Revenue NY rev (3m)1.68%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 205.41 | ||
| Fwd PE | 107.53 | ||
| P/S | 1.43 | ||
| P/FCF | 31.69 | ||
| P/OCF | 27.76 | ||
| P/B | 5.47 | ||
| P/tB | 6.74 | ||
| EV/EBITDA | 61.89 |
EPS(TTM)0.22
EY0.49%
EPS(NY)0.42
Fwd EY0.93%
FCF(TTM)1.43
FCFY3.16%
OCF(TTM)1.63
OCFY3.6%
SpS31.64
BVpS8.27
TBVpS6.71
PEG (NY)1.27
PEG (5Y)N/A
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
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-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 | 3.99 |
F-Score8
WACC8.74%
ROIC/WACC0.16
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 Y162.13%
EPS Next 2Y141.25%
EPS Next 3Y62.26%
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 2Y9.38%
Revenue Next 3Y9.1%
Revenue Next 5Y11.01%
EBIT growth 1Y159.23%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year929.55%
EBIT Next 3Y131.69%
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%