TRUPANION INC (TRUP)
US8982021060 - Common Stock
Taking everything into account, TRUP scores 3 out of 10 in our fundamental rating. TRUP was compared to 141 industry peers in the Insurance industry. While TRUP seems to be doing ok healthwise, there are quite some concerns on its profitability. TRUP is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
TRUP had negative earnings in the past year.
TRUP had a positive operating cash flow in the past year.
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
TRUP has a worse Return On Assets (-5.70%) than 89.93% of its industry peers.
The Return On Equity of TRUP (-14.71%) is worse than 80.58% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -5.7% | ||
| ROE | -14.71% | ||
| ROIC | N/A |
ROA(3y)-6.22%
ROA(5y)-4.11%
ROE(3y)-13.35%
ROE(5y)-8.61%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
TRUP has a better Gross Margin (11.81%) than 88.49% of its industry peers.
TRUP's Gross Margin has declined in the last couple of years.
TRUP does not have Profit Margin and Operating Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 11.81% |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-10.19%
GM growth 5Y-6.91%
2. Health
2.1 Basic Checks
TRUP does not have a ROIC to compare to the WACC, probably because it is not profitable.
TRUP has more shares outstanding than it did 1 year ago.
The number of shares outstanding for TRUP has been increased compared to 5 years ago.
Compared to 1 year ago, TRUP has a worse debt to assets ratio.
2.2 Solvency
TRUP has an Altman-Z score of 2.41. This is not the best score and indicates that TRUP is in the grey zone with still only limited risk for bankruptcy at the moment.
TRUP has a better Altman-Z score (2.41) than 92.81% of its industry peers.
TRUP has a debt to FCF ratio of 360.14. This is a negative value and a sign of low solvency as TRUP would need 360.14 years to pay back of all of its debts.
TRUP's Debt to FCF ratio of 360.14 is on the low side compared to the rest of the industry. TRUP is outperformed by 74.10% of its industry peers.
TRUP has a Debt/Equity ratio of 0.42. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.42, TRUP is in line with its industry, outperforming 46.04% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.42 | ||
| Debt/FCF | 360.14 | ||
| Altman-Z | 2.41 |
ROIC/WACCN/A
WACC8.85%
2.3 Liquidity
TRUP has a Current Ratio of 1.63. This is a normal value and indicates that TRUP is financially healthy and should not expect problems in meeting its short term obligations.
TRUP has a better Current ratio (1.63) than 90.65% of its industry peers.
A Quick Ratio of 1.63 indicates that TRUP should not have too much problems paying its short term obligations.
The Quick ratio of TRUP (1.63) is better than 90.65% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.63 | ||
| Quick Ratio | 1.63 |
3. Growth
3.1 Past
TRUP shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 1.82%.
Looking at the last year, TRUP shows a very strong growth in Revenue. The Revenue has grown by 22.48%.
The Revenue has been growing by 29.53% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)1.82%
EPS 3YN/A
EPS 5YN/A
EPS growth Q2Q78.26%
Revenue 1Y (TTM)22.48%
Revenue growth 3Y30.22%
Revenue growth 5Y29.53%
Revenue growth Q2Q20.27%
3.2 Future
Based on estimates for the next years, TRUP will show a very strong growth in Earnings Per Share. The EPS will grow by 27.43% on average per year.
The Revenue is expected to grow by 11.71% on average over the next years. This is quite good.
EPS Next Y57.5%
EPS Next 2Y43.25%
EPS Next 3Y27.43%
EPS Next 5YN/A
Revenue Next Year13.96%
Revenue Next 2Y12.23%
Revenue Next 3Y11.18%
Revenue Next 5Y11.71%
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
The Price/Earnings Ratio is negative for TRUP. In the last year negative earnings were reported.
Also next year TRUP is expected to report negative earnings again, which makes the also the Forward Price/Earnings Ratio negative.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, TRUP is valued a bit more expensive than 74.10% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2799.4 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
TRUP's earnings are expected to grow with 27.43% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y43.25%
EPS Next 3Y27.43%
5. Dividend
5.1 Amount
No dividends for TRUP!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
TRUPANION INC
NASDAQ:TRUP (4/26/2024, 7:20:40 PM)
After market: 24.12 0 (0%)24.12
+0.81 (+3.47%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap1.00B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -5.7% | ||
| ROE | -14.71% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 11.81% | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover1.42
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.42 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | 1.63 | ||
| Quick Ratio | 1.63 | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)1.82%
EPS 3YN/A
EPS 5Y
EPS growth Q2Q
EPS Next Y57.5%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)22.48%
Revenue growth 3Y30.22%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y