Financials / Insurance - Property & CasualtyUpdated 2026-05-10 22:07 UTC

TRUP stock hub

Trupanion, Inc. has a live ticker hub with the latest available market, valuation, profitability, growth, ownership, and risk indicators.

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Fair value midpoint

n/a

Fair value pending

Upside to midpoint

n/a

Based on latest report

Confidence

n/a

Data quality and model convergence

Market cap

1.1B

NASDAQ

Market data

Live price

Current market quote for this ticker.

Current price

TRUP

In the news

Latest news · TRUP

Recent company headlines from major financial publishers.

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Fetching the latest headlines.

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Fetching the latest headlines.

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Fetching the latest headlines.

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector context

Where the current metrics sit

Percentiles come from the backend screener cohort cache for the ticker's country and sector.

Forward P/E43.2

P25 8.8P50 10.4P75 13.1

Trailing P/E41.9

P25 10.9P50 14.7P75 36.2

ROE7.1

P25 4.9P50 10.4P75 15

ROIC3.7

P25 -1.3P50 6.6P75 12.7

Benchmarks - 1M

S&P 500n/a

Nasdaq Compositen/a

Dow Jones Industrial Averagen/a

Russell 2000n/a

Indicator catalog

All TRUP market and fundamental indicators

A searchable catalog of the available market, valuation, profitability, growth, balance-sheet, ownership, and analyst metrics for this ticker.

Available fields

229

Groups with data

Currency

USD

Showing 229 of 229 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Cik	0001371285
Company name	Trupanion, Inc.
Country	United States
Country code	US
Cusip	898202106
Employees	1,121
Employees Change	-9%
Employees Change Percent	-0.8
Enterprise value	$1B
Exchange	NASDAQ
Financial currency	USD
First seen	2026-05-09
Industry	Insurance - Property & Casualty
IPO Date	2014-07-18
Isin	US8982021060
Last refreshed	2026-05-10
Market cap	$1.1B
Market cap category	Small-Cap
Price	$24.61
Price currency	USD
Rev Per Employee	1,321,479.93x
Sector	Financials
Sic	6324
Symbol	TRUP
Website	https://www.trupanion.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Earnings Yield	2.4%
EV Earnings	39.91x
EV Sales Forward	0.63x
EV/EBIT	48.52x
EV/EBITDA	27.85x
EV/FCF	13.71x
EV/Sales	0.69x
FCF yield	6.99%
Forward P/E	43.15x
P/B ratio	2.72x
P/E ratio	41.94x
P/S ratio	0.72x
PS Forward	0.66x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
EBIT Margin	1.43%
EBITDA Margin	2.5%
FCF margin	5.07%
Gross margin	22.34%
Gross Profit	$330.9M
Net Income	$25.8M
Net Income Growth Quarters	11%
Net Income Growth Years	2%
Pretax Margin	1.98%
Profit Margin	1.74%
Profit Per Employee	$23,012
Profitable Years	1
ROA	1.51
Roa5y	-2.15
ROCE	4.13
ROE	7.08
Roe5y	-7.37
ROIC	3.67
Roic5y	-5.68

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
Cagr10y	5.51%
Cagr1y	-44.84%
Cagr3y	-5.19%
Cagr5y	-21.64%
EPS Growth Quarters	11
EPS Growth Years	3
FCF Growth	41.01%
FCF Growth Q	-2.06%
FCF Growth5 Y	56.3%
OCF Growth	42.55%
OCF Growth Q	-8.58%
OCF Growth5 Y	39.16%
Revenue Growth	12.1x
Revenue Growth Q	12.3x
Revenue Growth Quarters	49x
Revenue Growth Years	14x
Revenue Growth3 Y	15.74x
Revenue Growth5 Y	22.12x

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Asset Turnover	$1.68
Assets	$921.6M
Cash	$383.7M
Debt	$109.3M
Debt EBITDA	$2.92
Debt Equity	$0.28
Debt FCF	$1.46
Equity	$394.8M
Interest Coverage	1.71
Liabilities	$526.8M
Net Cash	$44.1M
Net Cash By Market Cap	$4.11
Net Cash Growth	17.84%
Net Debt EBITDA	$-1.19
Net Debt Equity	$-0.11
Net Debt FCF	$-0.59
Tangible Book Value	$332.5M
Tangible Book Value Per Share	$7.62
WACC	12.23

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Current ratio	1.73
Net Working Capital	$153.3M
Quick ratio	1.69
Working Capital	$296.8M

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback Yield	-3.33%
Dividend Yield	0%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y total return	70.9%
1Y total return	-44.82%
200-day SMA	36.31
3Y total return	-14.79%
50-day SMA	26.12
50-day SMA vs 200-day SMA	50under200
5Y total return	-70.45%
All Time High	158.3
All Time High Change	-84.45%
All Time High Date	2021-12-08
All Time Low	5.21
All Time Low Change	372.36%
All Time Low Date	2014-12-16
ATR	1.55
Beta	1.49
Beta1y	1.24
Beta2y	1.26
Ch YTD	-34.15
High	25.54
High52	57.89
High52 Date	2025-06-27
High52ch	-57.48%
Low	24.49
Low52	23.8
Low52 Date	2026-05-01
Low52ch	3.4%
Ma50ch	-5.76%
Price vs 200-day SMA	-32.22%
RSI	42.89
RSI Monthly	38.91
RSI Weekly	34.8
Sharpe ratio	-1.39x
Sortino ratio	-1.66
Total Return	-3.33%
Tr YTD	-34.15
Tr1m	-3.38%
Tr1w	1.15%
Tr3m	-25.81%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Analyst Count	4
Analyst Count Top	2
Analyst Price Target Top	$38
Analyst Ratings	Buy
Analyst Ratings Top	Buy
Earnings EPS Estimate	$0.72
Earnings Revenue Estimate	379,755,360x
Earnings Revenue Estimate Growth	11.05x
Operating Income	$21.2M
Operating margin	1.43
Price target	$42.25
Price Target Change	$71.68
Price Target Change Top	$54.41

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	34,706,715%
Float Percent	79.57%
Net Borrowing	-22,392,000
Shares Insiders	2.23%
Shares Institutions	80.45%
Shares Out	43,620,472
Shares Qo Q	0.25%
Shares Yo Y	3.33%
Short Float	10.38%
Short Ratio	9.59
Short Shares	8.26

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

Metric	Value
Adjusted FCF	$37.6M
Average Volume	388,509.25x
Bv Per Share	9.05
CAPEX	$-13M
Ch10y	70.9
Ch1m	-3.38
Ch1w	1.15
Ch1y	-44.82
Ch3m	-25.81
Ch3y	-14.79
Ch5y	-70.45
Ch6m	-36.21
Change	-3.83%
Change From Open	-3.57
Close	25.59
Days Gap	-0.27
Dollar Volume	7,130,230.7
Earnings Date	2026-04-30
Earnings Time	amc
EBIT	$21.2M
EBITDA	$37M
EPS	$0.59
F Score	7
FCF	$75.1M
FCF EV Yield	7.29x
FCF Per Share	$1.72
Financing CF	-25,139,000
Fiscal Year End	December
Founded	2,000
Goodwill	38,621,000
Graham Number	10.93113
Graham Upside	-55.58
Income Tax	$3.6M
Investing CF	-86,801,000
Is Primary Listing	1
Is Spac	No
Last Earnings Date	2026-04-30
Last Report Date	2026-03-31
Last Split Type	Never
Last10k Filing Date	2026-02-13
Ma150	33.03
Ma150ch	-25.48%
Ma20	26.31
Ma20ch	-6.46%
Net CF	-23,138,000
Next Earnings Date	2026-08-06
Open	25.52
Optionable	Yes
P FCF Ratio	14.3
P OCF Ratio	12.18
Position In Range	11.43
Post Close	24.61
Postmarket Change Percent	1.08
Postmarket Price	$24.88
Ppne	102,612,000
Price Date	2026-05-08
Price EBITDA	$29.04
Ptbv Ratio	3.23
Relative Volume	0.75x
Revenue	1,481,379,000x
SBC By Revenue	2.53x
Share Based Comp	37,482,000
Tax By Revenue	0.24x
Tax Rate	12.24%
Tr6m	-36.21%
Us State	Washington
Volume	289,729

Fast facts

Decision checkpoints

A compact product layer over the same report payload.

Risk gate

n/a

Named kill scenarios are reviewed before any bullish rating can stand.

Moat score

n/a

Business quality stays separate from stock attractiveness.

Forward P/E

n/a

Valuation uses the full report model stack, not a single multiple.

Next action

Research pending

Final action steps are kept in the recommendation tab.

Income

Does TRUP pay a dividend?

Capital-return profile for this ticker.

Performance

TRUP stock returns vs the market

Total return (incl. dividends) compared to S&P 500.

Ownership

Who owns TRUP?

Insider, institutional, and short-interest positioning.

Institutional ownership

+80.4%

Float: +79.6% of shares outstanding

Insider ownership

+2.2%

Stake held by company insiders. Higher generally signals alignment.

Negative means the company is buying back shares.

Technical

TRUP momentum and risk profile

RSI, moving-average stack, beta, and risk-adjusted return.

RSI (14)

42.9

Neutral momentum band

Price vs 200-day MA

-32.2%

50/200-day relationship not available

Beta (5Y)

1.49

More volatile than the market

Sharpe ratio

-1.39

Risk-adjusted return — higher is better; >1.0 is solid.

Peers

TRUP vs. sector cohort

Currency-neutral comparison: P/E, P/S, ROIC, 5Y revenue CAGR, and 1Y total return. Market-cap column appears only when every peer reports in the same currency.

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
AXP	American Express Company	215.6B	19.7x	3.1x	11.5%	+15.5%	+15.6%	Reduzieren
BAC	Bank of America Corporation	364.1B	12.7x	3.3x	—	+6.3%	+28.2%	Reduzieren
BK	The Bank of New York Mellon Corporation	89.6B	16.2x	4.3x	—	+6.0%	+58.4%	Reduzieren

Questions

About TRUP

Hub-level FAQ points readers to the deeper analysis pages.

What is the current TRUP stock rating?

Trupanion, Inc. is currently shown with the latest rating in the latest report. The hub links directly to the full analysis surface where the rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full TRUP analysis?

The full report lives at /stocks/TRUP/analysis. The bare ticker page is a product hub that summarizes the latest read and sends readers into the relocated analysis tabs without making the analysis surface depend on the hub.

What fair-value range is used for TRUP?

The latest report frames TRUP around the latest fair-value range. Treat that range as the entry point, then check the valuation, sensitivity, and bear-case tabs before making an investment decision.

How often is the TRUP page updated?

The hub updates with the latest published stock report and live backend market data. The analysis pages remain reachable under /analysis, so a hub rollback does not remove the report reader.