36.54 USD
+0.04 (+0.11%)
We assign a fundamental rating of 4 out of 10 to TRUP. TRUP was compared to 147 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.
1. Profitability
1.1 Basic Checks
In the past year TRUP was profitable.
TRUP had a positive operating cash flow in the past year.
TRUP had negative earnings in each of the past 5 years.
TRUP had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
With a Return On Assets value of 1.76%, TRUP perfoms like the industry average, outperforming 45.58% of the companies in the same industry.
The Return On Equity of TRUP (4.19%) is worse than 78.23% of its industry peers.
Looking at the Return On Invested Capital, with a value of 2.04%, TRUP is in line with its industry, outperforming 47.62% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.76% | ||
| ROE | 4.19% | ||
| ROIC | 2.04% |
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
The Profit Margin of TRUP (1.10%) is worse than 85.03% of its industry peers.
TRUP's Operating Margin of 0.90% is on the low side compared to the rest of the industry. TRUP is outperformed by 85.71% of its industry peers.
With an excellent Gross Margin value of 15.64%, TRUP belongs to the best of the industry, outperforming 85.71% of the companies in the same industry.
In the last couple of years the Gross Margin of TRUP has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 0.9% | ||
| PM (TTM) | 1.1% | ||
| GM | 15.64% |
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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), TRUP is destroying value.
Compared to 1 year ago, TRUP has more shares outstanding
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
An Altman-Z score of 3.53 indicates that TRUP is not in any danger for bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 3.53, TRUP belongs to the top of the industry, outperforming 96.60% of the companies in the same industry.
The Debt to FCF ratio of TRUP is 1.59, which is an excellent value as it means it would take TRUP, only 1.59 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of TRUP (1.59) is comparable to the rest of the industry.
A Debt/Equity ratio of 0.31 indicates that TRUP is not too dependend on debt financing.
With a Debt to Equity ratio value of 0.31, TRUP perfoms like the industry average, outperforming 51.70% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.31 | ||
| Debt/FCF | 1.59 | ||
| Altman-Z | 3.53 |
ROIC/WACC0.23
WACC8.72%
2.3 Liquidity
A Current Ratio of 1.71 indicates that TRUP should not have too much problems paying its short term obligations.
Looking at the Current ratio, with a value of 1.71, TRUP belongs to the top of the industry, outperforming 90.48% of the companies in the same industry.
A Quick Ratio of 1.71 indicates that TRUP should not have too much problems paying its short term obligations.
TRUP has a Quick ratio of 1.71. This is amongst the best in the industry. TRUP outperforms 90.48% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.71 | ||
| Quick Ratio | 1.71 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 200.00% over the past year.
Looking at the last year, TRUP shows a quite strong growth in Revenue. The Revenue has grown by 12.50% 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)200%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%333.33%
Revenue 1Y (TTM)12.5%
Revenue growth 3Y22.52%
Revenue growth 5Y27.35%
Sales Q2Q%12.05%
3.2 Future
TRUP is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 109.26% yearly.
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 Y522.84%
EPS Next 2Y158.33%
EPS Next 3Y109.26%
EPS Next 5YN/A
Revenue Next Year11.99%
Revenue Next 2Y10.66%
Revenue Next 3Y9.57%
Revenue Next 5Y11.01%
3.3 Evolution
The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 114.19 indicates a quite expensive valuation of TRUP.
TRUP's Price/Earnings ratio is rather expensive when compared to the industry. TRUP is more expensive than 85.03% of the companies in the same industry.
TRUP is valuated expensively when we compare the Price/Earnings ratio to 26.76, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 71.08, which means the current valuation is very expensive for TRUP.
80.95% 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 23.96. TRUP is valued rather expensively when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 114.19 | ||
| Fwd PE | 71.08 |
4.2 Price Multiples
TRUP's Enterprise Value to EBITDA ratio is a bit more expensive when compared to the industry. TRUP is more expensive than 73.47% of the companies in the same industry.
64.63% 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 | 21.97 | ||
| EV/EBITDA | 40.49 |
4.3 Compensation for Growth
TRUP's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as TRUP's earnings are expected to grow with 109.26% in the coming years.
PEG (NY)0.22
PEG (5Y)N/A
EPS Next 2Y158.33%
EPS Next 3Y109.26%
5. Dividend
5.1 Amount
TRUP does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NASDAQ:TRUP (12/12/2025, 12:50:54 PM)
36.54
+0.04 (+0.11%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners89.25%
Inst Owner Change-3.23%
Ins Owners5.38%
Ins Owner Change1.63%
Market Cap1.58B
Revenue(TTM)1.40B
Net Income(TTM)15.46M
Analysts80
Price Target56.61 (54.93%)
Short Float %12.93%
Short Ratio12.34
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)176.85%
Min EPS beat(2)27.45%
Max EPS beat(2)326.24%
EPS beat(4)4
Avg EPS beat(4)126%
Min EPS beat(4)27.45%
Max EPS beat(4)326.24%
EPS beat(8)8
Avg EPS beat(8)96.39%
EPS beat(12)11
Avg EPS beat(12)65.18%
EPS beat(16)12
Avg EPS beat(16)48.38%
Revenue beat(2)0
Avg Revenue beat(2)-8.02%
Min Revenue beat(2)-15.52%
Max Revenue beat(2)-0.51%
Revenue beat(4)0
Avg Revenue beat(4)-4.55%
Min Revenue beat(4)-15.52%
Max Revenue beat(4)-0.51%
Revenue beat(8)1
Avg Revenue beat(8)-2.34%
Revenue beat(12)3
Avg Revenue beat(12)-1.38%
Revenue beat(16)3
Avg Revenue beat(16)-1.17%
PT rev (1m)-1.77%
PT rev (3m)-1.77%
EPS NQ rev (1m)3.7%
EPS NQ rev (3m)34.62%
EPS NY rev (1m)9.88%
EPS NY rev (3m)580.6%
Revenue NQ rev (1m)0.42%
Revenue NQ rev (3m)2.33%
Revenue NY rev (1m)0.76%
Revenue NY rev (3m)1.24%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 114.19 | ||
| Fwd PE | 71.08 | ||
| P/S | 1.13 | ||
| P/FCF | 21.97 | ||
| P/OCF | 18.81 | ||
| P/B | 4.28 | ||
| P/tB | 5.2 | ||
| EV/EBITDA | 40.49 |
EPS(TTM)0.32
EY0.88%
EPS(NY)0.51
Fwd EY1.41%
FCF(TTM)1.66
FCFY4.55%
OCF(TTM)1.94
OCFY5.32%
SpS32.4
BVpS8.53
TBVpS7.02
PEG (NY)0.22
PEG (5Y)N/A
Graham Number7.84
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.76% | ||
| ROE | 4.19% | ||
| ROCE | 2.58% | ||
| ROIC | 2.04% | ||
| ROICexc | 7.09% | ||
| ROICexgc | 13.2% | ||
| OM | 0.9% | ||
| PM (TTM) | 1.1% | ||
| GM | 15.64% | ||
| FCFM | 5.13% |
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 Turnover1.59
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.31 | ||
| Debt/FCF | 1.59 | ||
| Debt/EBITDA | 4.01 | ||
| Cap/Depr | 76.7% | ||
| Cap/Sales | 0.86% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 295.75% | ||
| Profit Quality | 464.87% | ||
| Current Ratio | 1.71 | ||
| Quick Ratio | 1.71 | ||
| Altman-Z | 3.53 |
F-Score8
WACC8.72%
ROIC/WACC0.23
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)200%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%333.33%
EPS Next Y522.84%
EPS Next 2Y158.33%
EPS Next 3Y109.26%
EPS Next 5YN/A
Revenue 1Y (TTM)12.5%
Revenue growth 3Y22.52%
Revenue growth 5Y27.35%
Sales Q2Q%12.05%
Revenue Next Year11.99%
Revenue Next 2Y10.66%
Revenue Next 3Y9.57%
Revenue Next 5Y11.01%
EBIT growth 1Y237.64%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year1202.44%
EBIT Next 3Y158.44%
EBIT Next 5Y66.67%
FCF growth 1Y507.39%
FCF growth 3YN/A
FCF growth 5Y29.02%
OCF growth 1Y3803.63%
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 522.84% in the next year.