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Trupanion, Inc. (TRUP)

NASDAQ: TRUP · USD

$29.4

+0.22 (+0.8%)· Recorded snapshot

Market cap	1.3B
Revenue (ttm)	1.5B
Net income (ttm)	23.2M
EPS (ttm)	$0.53
Shares out	43.9M
P/E (trailing)	55.0x
P/E (forward)	45.9x
Volume	192,473
Beta	1.44

Market data

Price

Recent price action with selectable time range.

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	34.8B	8.3x	1.8x	15.9%	+15.1%	+18.7%	Strong Buy
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	Strong Buy
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	Hold

Metric	Value
Amount currency	USD
CIK code	0001371285
Company name	Trupanion, Inc.
Country	United States
Country code	US
CUSIP number	898202106
Earnings date	2026-11-05
Earnings time	amc
Employees	1,121
Employees change	-9
Employees growth	-0.8%
Enterprise value	$1.2B
Exchange	NASDAQ
Financial currency	USD
Financial report date	2026-06-30
First seen	2026-05-09
Fiscal year end	December
Founded	2000
In index	RUSSELL2000
Industry	Insurance - Property & Casualty
IPO date	2014-07-18
Is primary listing	Yes
Is SPAC	No
ISIN number	US8982021060
Last 10-K release date	2026-02-13
Last earnings date	2026-08-05
Last refreshed	2026-10-28
Last stock split type	Never
Market cap	$1.3B
Market cap category	Small-Cap
Next earnings date	2026-11-05
Options	Yes
Price	$29.43
Price currency	USD
Sector	Financials
SIC code	6324
Stock price date	2026-10-28
Symbol	TRUP
U.S. state	Washington
Website	https://www.trupanion.com

Metric

Value

Amount currency

USD

CIK code

0001371285

Company name

Trupanion, Inc.

Country

United States

Country code

CUSIP number

898202106

Earnings date

2026-11-05

Earnings time

amc

Employees

1,121

Employees change

-9

Employees growth

-0.8%

Enterprise value

$1.2B

Exchange

NASDAQ

Financial currency

USD

Financial report date

2026-06-30

First seen

2026-05-09

Fiscal year end

December

Founded

2000

In index

RUSSELL2000

Industry

Insurance - Property & Casualty

IPO date

2014-07-18

Is primary listing

Yes

Is SPAC

ISIN number

US8982021060

Last 10-K release date

2026-02-13

Last earnings date

2026-08-05

Last refreshed

2026-10-28

Last stock split type

Never

Market cap

$1.3B

Market cap category

Small-Cap

Next earnings date

2026-11-05

Options

Yes

Price

$29.43

Price currency

USD

Sector

Financials

SIC code

6324

Stock price date

2026-10-28

Symbol

TRUP

U.S. state

Washington

Website

https://www.trupanion.com

Metric	Value
Earnings yield	1.82%
EV/Earnings	53.49x
EV/EBIT	49.12x
EV/EBITDA	30.48x
EV/FCF	15.11x
EV/Sales	0.82x
FCF / EV yield	6.62%
FCF yield	6.4%
Forward EV/Sales	0.75x
Forward P/E	45.87x
Forward P/S	0.77x
Graham number	10.6009
Graham upside	-63.78%
Industry forward P/E	12.53x
Industry P/E	10.09x
P/(FCF - SBC) ratio	29.06x
P/(OCF - SBC) ratio	22.9x
P/B ratio	3.13x
P/E ratio	55.02x
P/FCF ratio	15.63x
P/OCF ratio	13.65x
P/S ratio	0.84x
Price / tangible book value	3.69x
Price/EBITDA ratio	31.52x
Sector forward P/E	13.63x
Sector P/E	15.65x

Metric

Value

Earnings yield

1.82%

EV/Earnings

53.49x

EV/EBIT

49.12x

EV/EBITDA

30.48x

EV/FCF

15.11x

EV/Sales

0.82x

FCF / EV yield

6.62%

FCF yield

6.4%

Forward EV/Sales

0.75x

Forward P/E

45.87x

Forward P/S

0.77x

Graham number

10.6009

Graham upside

-63.78%

Industry forward P/E

12.53x

Industry P/E

10.09x

P/(FCF - SBC) ratio

29.06x

P/(OCF - SBC) ratio

22.9x

P/B ratio

3.13x

P/E ratio

55.02x

P/FCF ratio

15.63x

P/OCF ratio

13.65x

P/S ratio

0.84x

Price / tangible book value

3.69x

Price/EBITDA ratio

31.52x

Sector forward P/E

13.63x

Sector P/E

15.65x

Metric	Value
EBIT margin	1.66%
EBITDA margin	2.68%
Effective tax rate	11.47%
FCF margin	5.4%
Gross margin	22.58%
Operating margin	1.66%
Pretax margin	1.72%
Profit margin	1.53%
Profit per employee	$20,708
Profitable quarters	5
Profitable years	1
Revenue per employee	$1.4M
ROA	1.78%
ROA (5Y)	-2.15%
ROCE	4.81%
ROE	6.07%
ROE (5Y)	-7.37%
ROIC	4.39%
ROIC (5Y)	-5.89%
SBC / revenue	2.5%
Tax / revenue	0.2%

Metric

Value

EBIT margin

1.66%

EBITDA margin

2.68%

Effective tax rate

11.47%

FCF margin

5.4%

Gross margin

22.58%

Operating margin

1.66%

Pretax margin

1.72%

Profit margin

1.53%

Profit per employee

$20,708

Profitable quarters

Profitable years

Revenue per employee

$1.4M

ROA

1.78%

ROA (5Y)

-2.15%

ROCE

4.81%

ROE

6.07%

ROE (5Y)

-7.37%

ROIC

4.39%

ROIC (5Y)

-5.89%

SBC / revenue

2.5%

Tax / revenue

0.2%

Metric	Value
EPS growth	113.8%
EPS growth (Q)	-28.86%
EPS growth (QoQ)	42.01%
EPS growth years	3
FCF growth	34.04%
FCF growth (Q)	59.01%
FCF growth (QoQ)	39.37%
Net income growth	110.83%
Net income growth (Q)	-27.43%
Net income growth (QoQ)	39.98%
Net income growth years	2
OCF growth	34.42%
OCF growth (Q)	39.66%
OCF growth (QoQ)	43.79%
OCF growth 5Y	57.05%
Revenue growth	11.8%
Revenue growth (Q)	11.14%
Revenue growth (QoQ)	2.31%
Revenue growth 10Y	24.75%
Revenue growth 3Y	14.74%
Revenue growth 5Y	20.61%
Revenue growth quarters	50
Revenue growth years	14

Metric

Value

EPS growth

113.8%

EPS growth (Q)

-28.86%

EPS growth (QoQ)

42.01%

EPS growth years

FCF growth

34.04%

FCF growth (Q)

59.01%

FCF growth (QoQ)

39.37%

Net income growth

110.83%

Net income growth (Q)

-27.43%

Net income growth (QoQ)

39.98%

Net income growth years

OCF growth

34.42%

OCF growth (Q)

39.66%

OCF growth (QoQ)

43.79%

OCF growth 5Y

57.05%

Revenue growth

11.8%

Revenue growth (Q)

11.14%

Revenue growth (QoQ)

2.31%

Revenue growth 10Y

24.75%

Revenue growth 3Y

14.74%

Revenue growth 5Y

20.61%

Revenue growth quarters

Revenue growth years

Metric	Value
Capital expenditures	$-11.9M
EBIT	$25.3M
EBITDA	$40.7M
EPS	$0.53
FCF per share	$1.87
Financing cash flow	$-11.8M
Free cash flow	$82.2M
Free cash flow minus SBC	$44.2M
Gross profit	$343.4M
Income taxes	$3M
Investing cash flow	$-66.9M
Net borrowing	$-9.7M
Net cash flow	$13.8M
Net income	$23.2M
Operating cash flow minus SBC	$56.1M
Operating income	$25.3M
Revenue	$1.5B
Stock-based compensation	$38M

Metric

Value

Capital expenditures

$-11.9M

EBIT

$25.3M

EBITDA

$40.7M

EPS

$0.53

FCF per share

$1.87

Financing cash flow

$-11.8M

Free cash flow

$82.2M

Free cash flow minus SBC

$44.2M

Gross profit

$343.4M

Income taxes

$3M

Investing cash flow

$-66.9M

Net borrowing

$-9.7M

Net cash flow

$13.8M

Net income

$23.2M

Operating cash flow minus SBC

$56.1M

Operating income

$25.3M

Revenue

$1.5B

Stock-based compensation

$38M

Metric	Value
Book value per share	$9.34
Debt / EBITDA	2.6
Debt / equity	0.26
Debt / FCF	1.3
Goodwill	$38.6M
Interest coverage	2.39
Net cash (debt)	$42.5M
Net cash / market cap	3.31%
Net cash growth	412.94%
Net debt / EBITDA	-1.04
Net debt / equity	-0.1
Net debt / FCF	-0.52
Piotroski F-Score	7
Property, plant and equipment	$101.4M
Shareholders' equity	$409.7M
Tangible book value	$347.7M
Tangible book value per share	$7.93
Total assets	$930.8M
Total cash	$398.5M
Total debt	$106.9M
Total liabilities	$521.1M
WACC	11.92%

Metric

Value

Book value per share

$9.34

Debt / EBITDA

2.6

Debt / equity

0.26

Debt / FCF

1.3

Goodwill

$38.6M

Interest coverage

2.39

Net cash (debt)

$42.5M

Net cash / market cap

3.31%

Net cash growth

412.94%

Net debt / EBITDA

-1.04

Net debt / equity

-0.1

Net debt / FCF

-0.52

Piotroski F-Score

Property, plant and equipment

$101.4M

Shareholders' equity

$409.7M

Tangible book value

$347.7M

Tangible book value per share

$7.93

Total assets

$930.8M

Total cash

$398.5M

Total debt

$106.9M

Total liabilities

$521.1M

WACC

11.92%

Metric	Value
Asset turnover	1.71
Current ratio	1.77
Net working capital	$174.6M
Quick ratio	1.73
Working capital	$314M

Metric

Value

Asset turnover

1.71

Current ratio

1.77

Net working capital

$174.6M

Quick ratio

1.73

Working capital

$314M

Metric	Value
Buyback yield / dilution	-1.7%
Dividend yield	0%
Shareholder yield	-1.7%

Metric

Value

Buyback yield / dilution

-1.7%

Dividend yield

Shareholder yield

-1.7%

Metric	Value
10Y price change	79.67%
10Y return CAGR	6.04%
10Y total return	79.67%
150-day SMA	$25.75
1D price change	0.75%
1M price change	25.91%
1M total return	25.91%
1W price change	1.39%
1W total return	1.39%
1Y price change	-32.98%
1Y return CAGR	-33%
1Y total return	-32.98%
20-day SMA	$27.04
200-day SMA	$26.64
3M price change	17.25%
3M total return	17.25%
3Y price change	40.94%
3Y return CAGR	12.12%
3Y total return	40.94%
50-day SMA	$26.91
50-day SMA vs 200-day SMA	50over200
52-week high	$46.98
52-week high date	2025-11-07
52-week low	$21.16
52-week low date	2026-05-21
5Y price change	-71.05%
5Y return CAGR	-21.96%
5Y total return	-71.05%
6M price change	7.01%
6M total return	7.01%
All-time high	$158.25
All-time high date	2021-12-08
All-time low	$5.21
All-time low date	2014-12-16
Average true range (ATR)	$1.05
Average volume	370.9K
Beta (1Y)	0.84
Beta (2Y)	1.05
Beta (5Y)	1.44
Change from 52-week high	-37.36%
Change from 52-week low	39.08%
Change from all-time high	-81.57%
Change from all-time low	459.69%
Change from open	1.73%
Day's gap	-0.96%
Dollar volume	$5.7M
High price	$29.46
Low price	$28.93
Monthly RSI	45.91
Open price	$28.93
Position in 52-week range	94.34%
Previous close	$29.21
Price vs 150-day SMA	13.24%
Price vs 20-day SMA	7.85%
Price vs 200-day SMA	9.46%
Price vs 50-day SMA	8.36%
Relative volume	0.52
RSI	63.2
Sharpe ratio	-0.68
Sharpe ratio (3Y)	0.39
Sharpe ratio (5Y)	-0.05
Sortino ratio	-0.83
Sortino ratio (3Y)	0.65
Sortino ratio (5Y)	0
Volume	192.5K
Weekly RSI	54.75
YTD price change	-21.97%
YTD total return	-21.97%

Metric

Value

10Y price change

79.67%

10Y return CAGR

6.04%

10Y total return

79.67%

150-day SMA

$25.75

1D price change

0.75%

1M price change

25.91%

1M total return

25.91%

1W price change

1.39%

1W total return

1.39%

1Y price change

-32.98%

1Y return CAGR

-33%

1Y total return

-32.98%

20-day SMA

$27.04

200-day SMA

$26.64

3M price change

17.25%

3M total return

17.25%

3Y price change

40.94%

3Y return CAGR

12.12%

3Y total return

40.94%

50-day SMA

$26.91

50-day SMA vs 200-day SMA

50over200

52-week high

$46.98

52-week high date

2025-11-07

52-week low

$21.16

52-week low date

2026-05-21

5Y price change

-71.05%

5Y return CAGR

-21.96%

5Y total return

-71.05%

6M price change

7.01%

6M total return

7.01%

All-time high

$158.25

All-time high date

2021-12-08

All-time low

$5.21

All-time low date

2014-12-16

Average true range (ATR)

$1.05

Average volume

370.9K

Beta (1Y)

0.84

Beta (2Y)

1.05

Beta (5Y)

1.44

Change from 52-week high

-37.36%

Change from 52-week low

39.08%

Change from all-time high

-81.57%

Change from all-time low

459.69%

Change from open

1.73%

Day's gap

-0.96%

Dollar volume

$5.7M

High price

$29.46

Low price

$28.93

Monthly RSI

45.91

Open price

$28.93

Position in 52-week range

94.34%

Previous close

$29.21

Price vs 150-day SMA

13.24%

Price vs 20-day SMA

7.85%

Price vs 200-day SMA

9.46%

Price vs 50-day SMA

8.36%

Relative volume

0.52

RSI

63.2

Sharpe ratio

-0.68

Sharpe ratio (3Y)

0.39

Sharpe ratio (5Y)

-0.05

Sortino ratio

-0.83

Sortino ratio (3Y)

0.65

Sortino ratio (5Y)

Volume

192.5K

Weekly RSI

54.75

YTD price change

-21.97%

YTD total return

-21.97%

Metric	Value
Float	33.5M
Float percentage	76.35%
Shares change (QoQ)	0.32%
Shares change (YoY)	1.7%
Shares held by insiders	5.55%
Shares held by institutions	75.39%
Shares outstanding	43.9M
Short % of float	11.58%
Short % of shares	8.85%
Short ratio	8.5 days

Metric

Value

Float

33.5M

Float percentage

76.35%

Shares change (QoQ)

0.32%

Shares change (YoY)

1.7%

Shares held by insiders

5.55%

Shares held by institutions

75.39%

Shares outstanding

43.9M

Short % of float

11.58%

Short % of shares

8.85%

Short ratio

8.5 days

Trupanion, Inc. (TRUP)

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Performance and technicals

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