(TRUP) Trupanion - Ratings and Ratios
Pet,Medical,Insurance Plans
TRUP EPS (Earnings per Share)
TRUP Revenue
Description: TRUP Trupanion
Trupanion Inc, listed on NASDAQ under the ticker symbol TRUP, operates within the Life & Health Insurance sub-industry. As a provider of medical insurance for pets, Trupanions business model is centered around offering comprehensive coverage for veterinary expenses, thereby mitigating financial stress for pet owners.
The companys financial health and operational efficiency can be gauged through key performance indicators (KPIs) such as revenue growth, gross margin, and customer acquisition costs. A critical driver for Trupanions revenue is the number of pets insured, alongside the average revenue per pet. The companys ability to maintain a healthy gross margin is crucial, as it reflects the balance between the revenue generated from premiums and the costs associated with claims and operational expenses.
Trupanions business is influenced by several key economic drivers, including the humanization of pets, which leads to increased spending on pet healthcare, and the overall growth of the pet insurance market. The companys competitive positioning within this market, its ability to innovate and adapt to changing consumer preferences, and its operational efficiency in managing claims and customer service are vital factors that impact its financial performance.
Given the absence of a forward P/E ratio and a negative Return on Equity (RoE) of -1.33, it suggests that Trupanion is currently not generating profits or is reinvesting its earnings, potentially for growth. The Market Cap of $2080.57M USD indicates a significant market presence. Investors should closely monitor the companys path to profitability, its ability to scale, and the overall demand for pet insurance to assess its future growth prospects.
To evaluate Trupanions stock, one must consider its growth trajectory, competitive landscape, and the macroeconomic factors influencing the pet insurance industry. A thorough analysis would involve examining the companys financial statements to understand its revenue streams, cost structure, and cash flow generation capabilities, providing insights into its potential for long-term sustainability and growth.
TRUP Stock Overview
| Market Cap in USD | 2,081m |
| Sector | Financial Services |
| Industry | Insurance - Property & Casualty |
| GiC Sub-Industry | Life & Health Insurance |
| IPO / Inception | 2014-07-18 |
TRUP Stock Ratings
| Growth Rating | -34.0 |
| Fundamental | 52.8% |
| Dividend Rating | - |
| Rel. Strength | 11.8 |
| Analysts | 4.17 of 5 |
| Fair Price Momentum | 41.63 USD |
| Fair Price DCF | 22.59 USD |
TRUP Dividends
Currently no dividends paidTRUP Growth Ratios
| Growth Correlation 3m | 33% |
| Growth Correlation 12m | 4% |
| Growth Correlation 5y | -73.9% |
| CAGR 5y | -6.50% |
| CAGR/Max DD 5y | -0.07 |
| Sharpe Ratio 12m | 0.48 |
| Alpha | 14.15 |
| Beta | 1.208 |
| Volatility | 64.12% |
| Current Volume | 1388.5k |
| Average Volume 20d | 473.1k |
| Stop Loss | 46.3 (-5.1%) |
As of August 10, 2025, the stock is trading at USD 48.81 with a total of 1,388,528 shares traded.
Over the past week, the price has changed by +5.63%, over one month by -6.94%, over three months by +10.78% and over the past year by +39.34%.
Neither. Based on ValueRay´s Fundamental Analyses, Trupanion is currently (August 2025) neither a good nor a bad stock to buy. It has a ValueRay Fundamental Rating of 52.83 and therefor a neutral outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of TRUP is around 41.63 USD . This means that TRUP is currently overvalued and has a potential downside of -14.71%.
Trupanion has received a consensus analysts rating of 4.17. Therefore, it is recommended to buy TRUP.
- Strong Buy: 3
- Buy: 1
- Hold: 2
- Sell: 0
- Strong Sell: 0
According to our own proprietary Forecast Model, TRUP Trupanion will be worth about 47.1 in August 2026. The stock is currently trading at 48.81. This means that the stock has a potential downside of -3.52%.
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 53 | 8.6% |
| Analysts Target Price | 52.3 | 7% |
| ValueRay Target Price | 47.1 | -3.5% |
Piotroski VR‑10 (Strict) 5.0
| Net Income (-4.26m TTM) > 0 and > 6% of Revenue (6% = 79.3m TTM) |
| FCFTA 0.06 (>2.0%) and ΔFCFTA 4.87pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 19.60% (prev 18.92%; Δ 0.68pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.07 (>3.0%) and CFO 61.8m > Net Income -4.26m (YES >=105%, WARN >=100%) |
| Net Debt (-37.4m) to EBITDA (26.4m) ratio: -1.42 <= 3.0 (WARN <= 3.5) |
| Current Ratio 1.70 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (42.8m) change vs 12m ago 2.05% (target <= -2.0% for YES) |
| Gross Margin 14.66% (prev 12.16%; Δ 2.49pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 162.5% (prev 146.7%; Δ 15.76pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.70 (EBITDA TTM 26.4m / Interest Expense TTM 14.1m) >= 6 (WARN >= 3) |
Altman Z'' 0.75
| (A) 0.31 = (Total Current Assets 628.3m - Total Current Liabilities 369.3m) / Total Assets 837.2m |
| (B) -0.27 = Retained Earnings (Balance) -227.4m / Total Assets 837.2m |
| (C) 0.01 = EBIT TTM 9.92m / Avg Total Assets 813.3m |
| (D) -0.45 = Book Value of Equity -228.1m / Total Liabilities 503.5m |
| Total Rating: 0.75 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay Score 52.83
| 1. Piotroski 5.0pt = 0.0 |
| 2. FCF Yield 2.82% = 1.41 |
| 3. FCF Margin 4.03% = 0.67 |
| 4. Debt/Equity 0.39 = 2.43 |
| 5. Debt/Ebitda 4.88 = -2.50 |
| 6. ROIC - WACC -8.23% = -8.23 |
| 7. RoE -1.33% = -0.44 |
| 8. Rev. Trend 99.09% = 5.0 |
| 9. Rev. CAGR 15.94% = 1.99 |
| 11. EPS CAGR 55.04% = 2.50 |
TRUP Fundamental Data Overview
CCE Cash And Equivalents = 321.8m USD (Cash And Short Term Investments, last quarter)
P/E Forward = 1428.5714
P/S = 1.5744
P/B = 6.2354
Beta = 1.779
Revenue TTM = 1.32b USD
EBIT TTM = 9.92m USD
EBITDA TTM = 26.4m USD
Long Term Debt = 127.5m USD (from longTermDebt, last quarter)
Short Term Debt = 1.35m USD (from shortTermDebt, last quarter)
Debt = 128.9m USD (Calculated: Short Term 1.35m + Long Term 127.5m)
Net Debt = -37.4m USD (from netDebt column, last quarter)
Enterprise Value = 1.89b USD (2.08b + Debt 128.9m - CCE 321.8m)
Interest Coverage Ratio = 0.70 (Ebit TTM 9.92m / Interest Expense TTM 14.1m)
FCF Yield = 2.82% (FCF TTM 53.2m / Enterprise Value 1.89b)
FCF Margin = 4.03% (FCF TTM 53.2m / Revenue TTM 1.32b)
Net Margin = -0.32% (Net Income TTM -4.26m / Revenue TTM 1.32b)
Gross Margin = 14.66% ((Revenue TTM 1.32b - Cost of Revenue TTM 1.13b) / Revenue TTM)
[93m Tobins Q-Ratio = -8.28 (set to none) (Enterprise Value 1.89b / Book Value Of Equity -228.1m)
[39m Interest Expense / Debt = 2.49% (Interest Expense 3.21m / Debt 128.9m)
Taxrate = 21.0% (US default)
NOPAT = 7.84m (EBIT 9.92m * (1 - 21.00%))
Current Ratio = 1.70 (Total Current Assets 628.3m / Total Current Liabilities 369.3m)
Debt / Equity = 0.39 (Debt 128.9m / last Quarter total Stockholder Equity 333.7m)
Debt / EBITDA = 4.88 (Net Debt -37.4m / EBITDA 26.4m)
Debt / FCF = 2.42 (Debt 128.9m / FCF TTM 53.2m)
Total Stockholder Equity = 320.7m (last 4 quarters mean)
RoA = -0.51% (Net Income -4.26m, Total Assets 837.2m )
RoE = -1.33% (Net Income TTM -4.26m / Total Stockholder Equity 320.7m)
RoCE = 2.21% (Ebit 9.92m / (Equity 320.7m + L.T.Debt 127.5m))
RoIC = 1.74% (NOPAT 7.84m / Invested Capital 449.6m)
WACC = 9.97% (E(2.08b)/V(2.21b) * Re(10.47%)) + (D(128.9m)/V(2.21b) * Rd(2.49%) * (1-Tc(0.21)))
Shares Correlation 5-Years: 100.0 | Cagr: 1.14%
Discount Rate = 10.47% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 74.30% ; FCFE base≈36.7m ; Y1≈46.9m ; Y5≈86.9m
Fair Price DCF = 22.59 (DCF Value 966.3m / Shares Outstanding 42.8m; 5y FCF grow 30.0% → 2.90% )
Revenue Correlation: 99.09 | Revenue CAGR: 15.94%
Revenue Growth Correlation: -99.23%
EPS Correlation: N/A | EPS CAGR: 55.04%
EPS Growth Correlation: -69.91%
Additional Sources for TRUP Stock
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