TRUPANION INC (TRUP) Stock Fundamental Analysis

NASDAQ:TRUP • US8982021060

26.54 USD
-0.7 (-2.57%)
At close: Feb 27, 2026
26.54 USD
0 (0%)
After Hours: 2/27/2026, 8:00:02 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Taking everything into account, TRUP scores 4 out of 10 in our fundamental rating. TRUP was compared to 149 industry peers in the Insurance industry. While TRUP seems to be doing ok healthwise, 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

3

1. Profitability

1.1 Basic Checks

  • In the past year TRUP was profitable.
  • 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

  • The Return On Assets of TRUP (2.12%) is comparable to the rest of the industry.
  • TRUP's Return On Equity of 5.06% is on the low side compared to the rest of the industry. TRUP is outperformed by 71.33% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 2.67%, TRUP is in line with its industry, outperforming 55.33% of the companies in the same industry.
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

  • TRUP's Profit Margin of 1.35% is on the low side compared to the rest of the industry. TRUP is outperformed by 79.33% of its industry peers.
  • TRUP's Operating Margin of 1.06% is on the low side compared to the rest of the industry. TRUP is outperformed by 82.67% of its industry peers.
  • The Gross Margin of TRUP (16.05%) is better than 86.00% 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

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ROAROEROICOperating and Profit MarginShow most profitable peers

6

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.
  • Compared to 1 year ago, TRUP has more shares outstanding
  • The number of shares outstanding for TRUP has been increased compared to 5 years ago.
  • TRUP has a better debt/assets ratio than last year.
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 2.98. 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.
  • Looking at the Altman-Z score, with a value of 2.98, TRUP belongs to the top of the industry, outperforming 95.33% 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.
  • The Debt to FCF ratio of TRUP (1.48) 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 2.98
ROIC/WACC0.33
WACC8.21%
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

  • TRUP has a Current 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 Current ratio, with a value of 1.69, TRUP belongs to the top of the industry, outperforming 89.33% of the companies in the same industry.
  • 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.
  • The Quick ratio of TRUP (1.69) is better than 89.33% of its industry peers.
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

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

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 363.64%, which is quite impressive.
  • TRUP shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.95%.
  • Measured over the past years, TRUP shows a very strong growth in Revenue. The Revenue has been growing by 23.45% on average per year.
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

  • The Earnings Per Share is expected to grow by 60.02% on average over the next years. This is a very strong growth
  • The Revenue is expected to grow by 11.22% on average over the next years. This is quite good.
EPS Next Y78.21%
EPS Next 2Y60.02%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year10.29%
Revenue Next 2Y9.84%
Revenue Next 3Y8.48%
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 0 -1 -2 -3 -4 -5

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Find the best growth stocksShow best growing peers

2

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 91.52, which means the current valuation is very expensive for TRUP.
  • TRUP's Price/Earnings ratio is rather expensive when compared to the industry. TRUP is more expensive than 80.67% of the companies in the same industry.
  • TRUP's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 27.07.
  • The Price/Forward Earnings ratio is 51.35, which means the current valuation is very expensive for TRUP.
  • 78.00% of the companies in the same industry are cheaper than TRUP, based on the Price/Forward Earnings ratio.
  • TRUP is valuated expensively when we compare the Price/Forward Earnings ratio to 28.05, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 91.52
Fwd PE 51.35
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

  • TRUP's Enterprise Value to EBITDA is on the same level as the industry average.
  • TRUP's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 15.21
EV/EBITDA 21.05
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.
  • A more expensive valuation may be justified as TRUP's earnings are expected to grow with 60.02% in the coming years.
PEG (NY)1.17
PEG (5Y)N/A
EPS Next 2Y60.02%
EPS Next 3YN/A

More info and screens

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

0

5. Dividend

5.1 Amount

  • TRUP does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

TRUPANION INC

NASDAQ:TRUP (2/27/2026, 8:00:02 PM)

After market: 26.54 0 (0%)

26.54

-0.7 (-2.57%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-12
Earnings (Next)04-29
Inst Owners89.5%
Inst Owner Change-4.83%
Ins Owners5.36%
Ins Owner Change2.11%
Market Cap1.15B
Revenue(TTM)1.44B
Net Income(TTM)19.43M
Analysts80
Price Target47.18 (77.77%)
Short Float %10.69%
Short Ratio9.97
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)-13.95%
PT rev (3m)-17.78%
EPS NQ rev (1m)10.8%
EPS NQ rev (3m)-8.89%
EPS NY rev (1m)0.66%
EPS NY rev (3m)57.11%
Revenue NQ rev (1m)0.5%
Revenue NQ rev (3m)1.09%
Revenue NY rev (1m)0.43%
Revenue NY rev (3m)3.06%
Valuation
Industry RankSector Rank
PE 91.52
Fwd PE 51.35
P/S 0.8
P/FCF 15.21
P/OCF 12.81
P/B 2.99
P/tB 3.58
EV/EBITDA 21.05
EPS(TTM)0.29
EY1.09%
EPS(NY)0.52
Fwd EY1.95%
FCF(TTM)1.74
FCFY6.57%
OCF(TTM)2.07
OCFY7.81%
SpS33.32
BVpS8.89
TBVpS7.42
PEG (NY)1.17
PEG (5Y)N/A
Graham Number7.62
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 2.98
F-Score6
WACC8.21%
ROIC/WACC0.33
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 Y78.21%
EPS Next 2Y60.02%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)11.95%
Revenue growth 3Y16.72%
Revenue growth 5Y23.45%
Sales Q2Q%11.72%
Revenue Next Year10.29%
Revenue Next 2Y9.84%
Revenue Next 3Y8.48%
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 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 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 3 / 10.


Can you provide the PE and PB ratios for TRUP stock?

The Price/Earnings (PE) ratio for TRUPANION INC (TRUP) is 91.52 and the Price/Book (PB) ratio is 2.99.