TRUPANION INC (TRUP) Stock Fundamental Analysis
USA - NASDAQ:TRUP - US8982021060 - Common Stock
36.38 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 expensively, but it does show have an excellent growth rating.
1. Profitability
1.1 Basic Checks
In the past year TRUP was profitable.
TRUP had a positive operating cash flow in the past year.
In the past 5 years TRUP always reported negative net income.
Of the past 5 years TRUP 4 years had a positive operating cash flow.
1.2 Ratios
TRUP has a Return On Assets (1.76%) which is in line with its industry peers.
TRUP has a Return On Equity of 4.19%. This is in the lower half of the industry: TRUP underperforms 78.91% of its industry peers.
With a Return On Invested Capital value of 2.04%, TRUP perfoms like the industry average, outperforming 49.66% 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
TRUP's Profit Margin of 1.10% is on the low side compared to the rest of the industry. TRUP is outperformed by 82.31% 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 84.35% of its industry peers.
Looking at the Gross Margin, with a value of 15.64%, TRUP belongs to the top of the industry, outperforming 86.39% of the companies in the same industry.
TRUP's Gross Margin has declined in the last couple of years.
| 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.
The number of shares outstanding for TRUP has been increased compared to 1 year ago.
TRUP has more shares outstanding than it did 5 years ago.
TRUP has a better debt/assets ratio than last year.
2.2 Solvency
TRUP has an Altman-Z score of 3.51. This indicates that TRUP is financially healthy and has little risk of bankruptcy at the moment.
With an excellent Altman-Z score value of 3.51, TRUP belongs to the best of the industry, outperforming 95.24% 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.
TRUP's Debt to Equity ratio of 0.31 is in line compared to the rest of the industry. TRUP outperforms 53.06% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.31 | ||
| Debt/FCF | 1.59 | ||
| Altman-Z | 3.51 |
ROIC/WACC0.23
WACC8.73%
2.3 Liquidity
A Current Ratio of 1.71 indicates that TRUP should not have too much problems paying its short term obligations.
TRUP has a Current ratio of 1.71. This is amongst the best in the industry. TRUP outperforms 90.48% of its industry peers.
A Quick Ratio of 1.71 indicates that TRUP should not have too much problems paying its short term obligations.
TRUP's Quick ratio of 1.71 is amongst the best of 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.
TRUP shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 12.50%.
TRUP shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 27.35% yearly.
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 88.36% 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 Y484.82%
EPS Next 2Y123.39%
EPS Next 3Y88.36%
EPS Next 5YN/A
Revenue Next Year11.15%
Revenue Next 2Y9.52%
Revenue Next 3Y9.3%
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 113.69 indicates a quite expensive valuation of TRUP.
Compared to the rest of the industry, the Price/Earnings ratio of TRUP indicates a rather expensive valuation: TRUP more expensive than 86.39% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 25.56. TRUP is valued rather expensively when compared to this.
Based on the Price/Forward Earnings ratio of 110.59, the valuation of TRUP can be described as expensive.
Based on the Price/Forward Earnings ratio, TRUP is valued more expensive than 80.95% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of TRUP to the average of the S&P500 Index (34.62), we can say TRUP is valued expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 113.69 | ||
| Fwd PE | 110.59 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, TRUP is valued a bit more expensive than 73.47% of the companies in the same industry.
62.59% 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 | 21.76 | ||
| EV/EBITDA | 39.98 |
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 88.36% in the coming years.
PEG (NY)0.23
PEG (5Y)N/A
EPS Next 2Y123.39%
EPS Next 3Y88.36%
5. Dividend
5.1 Amount
TRUP does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NASDAQ:TRUP (11/18/2025, 12:08:30 PM)
36.38
+0.04 (+0.11%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners97.93%
Inst Owner Change-3.08%
Ins Owners5.32%
Ins Owner Change5.7%
Market Cap1.56B
Revenue(TTM)1.40B
Net Income(TTM)15.46M
Analysts80
Price Target57.63 (58.41%)
Short Float %13.93%
Short Ratio12.95
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)0%
PT rev (3m)6.6%
EPS NQ rev (1m)1.89%
EPS NQ rev (3m)55.76%
EPS NY rev (1m)-2.35%
EPS NY rev (3m)1364.88%
Revenue NQ rev (1m)1.09%
Revenue NQ rev (3m)3.45%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.68%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 113.69 | ||
| Fwd PE | 110.59 | ||
| P/S | 1.12 | ||
| P/FCF | 21.76 | ||
| P/OCF | 18.63 | ||
| P/B | 4.24 | ||
| P/tB | 5.15 | ||
| EV/EBITDA | 39.98 |
EPS(TTM)0.32
EY0.88%
EPS(NY)0.33
Fwd EY0.9%
FCF(TTM)1.67
FCFY4.59%
OCF(TTM)1.95
OCFY5.37%
SpS32.56
BVpS8.57
TBVpS7.06
PEG (NY)0.23
PEG (5Y)N/A
Graham Number7.86
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 | 3.51 |
F-Score8
WACC8.73%
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 Y484.82%
EPS Next 2Y123.39%
EPS Next 3Y88.36%
EPS Next 5YN/A
Revenue 1Y (TTM)12.5%
Revenue growth 3Y22.52%
Revenue growth 5Y27.35%
Sales Q2Q%12.05%
Revenue Next Year11.15%
Revenue Next 2Y9.52%
Revenue Next 3Y9.3%
Revenue Next 5Y11.01%
EBIT growth 1Y237.64%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year1075.68%
EBIT Next 3Y109.27%
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 484.82% in the next year.