(TRUP) Trupanion - Overview

Exchange: NASDAQ • Country: United States • Currency: USD • Type: Common Stock • ISIN: US8982021060

Stock: Pet Insurance, Subscriptions, Health Plans

Total Rating 23

Risk 42

Buy Signal -1.09

Insurance - Property & Casualty +9.8
Life & Health Insurance -0.3

Market Cap: 1,193m
Avg Trading Vol: 14.3M USD

ATR: 5.33%
Peers RS (IBD): 7.1

Risk 5d forecast
Volatility	57.4%
Relative Tail Risk	-11.7%

Reward TTM
Sharpe Ratio	-0.22
Alpha	-43.46

Character TTM
Beta	1.618
Beta Downside	2.367

Drawdowns 3y
Max DD	66.56%
CAGR/Max DD	-0.28

EPS (Earnings per Share)

EPS CAGR: 18.23%
EPS Trend: 80.5%

Last SUE: -0.07
Qual. Beats: 0

Revenue

Rev. CAGR: 17.48%
Rev. Trend: 98.7%

Last SUE: 0.86
Qual. Beats: 16

Description: TRUP Trupanion March 04, 2026

Trupanion, Inc. (TRUP) offers subscription-based medical insurance for cats and dogs. This business model provides recurring revenue, common in the insurance sector.

The company operates in the United States, Canada, Continental Europe, and Australia. It is segmented into Subscription Business and Other Business, serving pet owners and veterinarians.

Founded in 2000 as Vetinsurance International, Inc., the company rebranded to Trupanion, Inc. in 2013 and is headquartered in Seattle, Washington.

For a detailed financial breakdown of TRUP, consider exploring ValueRays comprehensive analysis.

Piotroski VR‑10 (Strict, 0-10) 6.0

Net Income: 19.4m TTM > 0 and > 6% of Revenue
FCF/TA: 0.08 > 0.02 and ΔFCF/TA 3.46 > 1.0
NWC/Revenue: 2.10% < 20% (prev 19.27%; Δ -17.17% < -1%)
CFO/TA 0.10 > 3% & CFO 89.5m > Net Income 19.4m
Net Debt (-26.2m) to EBITDA (51.6m): -0.51 < 3
Current Ratio: 1.07 > 1.5 & < 3
Outstanding Shares: last quarter (43.6m) vs 12m ago 3.35% < -2%
Gross Margin: 19.46% > 18% (prev 0.14%; Δ 1932 % > 0.5%)
Asset Turnover: 167.2% > 50% (prev 159.3%; Δ 7.83% > 0%)
Interest Coverage Ratio: 2.60 > 6 (EBITDA TTM 51.6m / Interest Expense TTM 13.8m)

Altman Z'' -0.64

A: 0.03 (Total Current Assets 440.0m - Total Current Liabilities 409.8m) / Total Assets 915.0m
B: -0.23 (Retained Earnings -206.5m / Total Assets 915.0m)
C: 0.04 (EBIT TTM 35.8m / Avg Total Assets 860.9m)
D: -0.38 (Book Value of Equity -204.4m / Total Liabilities 531.1m)
Altman-Z'' Score: -0.64 = B

Beneish M -2.08

DSRI: 0.98 (Receivables 301.9m/274.0m, Revenue 1.44b/1.29b)
GMI: 0.71 (GM 19.46% / 13.91%)
AQI: 3.04 (AQ_t 0.40 / AQ_t-1 0.13)
SGI: 1.12 (Revenue 1.44b / 1.29b)
TATA: -0.08 (NI 19.4m - CFO 89.5m) / TA 915.0m)
Beneish M-Score: -2.08 (Cap -4..+1) = BB

What is the price of TRUP shares?

As of March 07, 2026, the stock is trading at USD 27.44 with a total of 475,542 shares traded.
Over the past week, the price has changed by +3.39%, over one month by -17.27%, over three months by -26.39% and over the past year by -15.98%.

Is TRUP a buy, sell or hold?

Trupanion has received a consensus analysts rating of 4.17. Therefore, it is recommended to buy TRUP.

StrongBuy: 3
Buy: 1
Hold: 2
Sell: 0
StrongSell: 0

What are the forecasts/targets for the TRUP price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	46.3	68.5%
Analysts Target Price	46.3	68.5%

TRUP Fundamental Data Overview March 05, 2026

P/E Trailing = 61.0222
P/E Forward = 1428.5714
P/S = 0.8286
P/B = 3.0203
Revenue TTM = 1.44b USD
EBIT TTM = 35.8m USD
EBITDA TTM = 51.6m USD
Long Term Debt = 101.8m USD (from longTermDebt, last quarter)
Short Term Debt = 10.0m USD (from shortTermDebt, last quarter)
Debt = 111.8m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -26.2m USD (from netDebt column, last quarter)
Enterprise Value = 933.6m USD (1.19b + Debt 111.8m - CCE 370.7m)
Interest Coverage Ratio = 2.60 (Ebit TTM 35.8m / Interest Expense TTM 13.8m)
EV/FCF = 12.39x (Enterprise Value 933.6m / FCF TTM 75.4m)
FCF Yield = 8.07% (FCF TTM 75.4m / Enterprise Value 933.6m)
FCF Margin = 5.24% (FCF TTM 75.4m / Revenue TTM 1.44b)
Net Margin = 1.35% (Net Income TTM 19.4m / Revenue TTM 1.44b)
Gross Margin = 19.46% ((Revenue TTM 1.44b - Cost of Revenue TTM 1.16b) / Revenue TTM)
Gross Margin QoQ = 30.26% (prev 16.37%)
Tobins Q-Ratio = 1.02 (Enterprise Value 933.6m / Total Assets 915.0m)
Interest Expense / Debt = 3.65% (Interest Expense 4.08m / Debt 111.8m)
Taxrate = 10.54% (663.0k / 6.29m)
NOPAT = 32.0m (EBIT 35.8m * (1 - 10.54%))
Current Ratio = 1.07 (Total Current Assets 440.0m / Total Current Liabilities 409.8m)
Debt / Equity = 0.29 (Debt 111.8m / totalStockholderEquity, last quarter 383.9m)
Debt / EBITDA = -0.51 (Net Debt -26.2m / EBITDA 51.6m)
Debt / FCF = -0.35 (Net Debt -26.2m / FCF TTM 75.4m)
Total Stockholder Equity = 360.4m (last 4 quarters mean from totalStockholderEquity)
RoA = 2.26% (Net Income 19.4m / Total Assets 915.0m)
RoE = 5.39% (Net Income TTM 19.4m / Total Stockholder Equity 360.4m)
RoCE = 7.74% (EBIT 35.8m / Capital Employed (Equity 360.4m + L.T.Debt 101.8m))
RoIC = 6.69% (NOPAT 32.0m / Invested Capital 477.8m)
WACC = 11.14% (E(1.19b)/V(1.30b) * Re(11.88%) + D(111.8m)/V(1.30b) * Rd(3.65%) * (1-Tc(0.11)))
Discount Rate = 11.88% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 2.20%
[DCF] Terminal Value 71.75% ; FCFF base≈60.6m ; Y1≈74.8m ; Y5≈127.4m
[DCF] Fair Price = 30.71 (EV 1.31b - Net Debt -26.2m = Equity 1.33b / Shares 43.4m; r=11.14% [WACC]; 5y FCF grow 25.0% → 2.90% )
EPS Correlation: 80.51 | EPS CAGR: 18.23% | SUE: -0.07 | # QB: 0
Revenue Correlation: 98.69 | Revenue CAGR: 17.48% | SUE: 0.86 | # QB: 16
EPS next Quarter (2026-06-30): EPS=0.94 | Chg7d=-0.010 | Chg30d=-0.010 | Revisions Net=-1 | Analysts=1
EPS current Year (2026-12-31): EPS=3.93 | Chg7d=+0.000 | Chg30d=+0.000 | Revisions Net=-1 | Growth EPS=+42.6% | Growth Revenue=+10.2%
EPS next Year (2027-12-31): EPS=4.36 | Chg7d=+0.000 | Chg30d=+0.000 | Revisions Net=-1 | Growth EPS=+10.9% | Growth Revenue=+9.4%

Additional Sources for TRUP Stock

Fund Manager Positions: Dataroma | Stockcircle