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Trupanion, Inc. (TRUP)
Price$22.00
Value ScoreD
Growth ScoreA
Momentum ScoreF
Favorite Metrics
Price vs S&P 500 (26W)-45.58%
Price vs S&P 500 (4W)-10.60%
VGM Score40.32
Market Capitalization$959.65M
P/E Ratio (Annual)49.38x
All Metrics
P/CF (Annual)10.72x
Book Value / Share (Quarterly)$9.05
P/TBV (Annual)4.49x
Indicated Dividend (Annual)$0.00
Revenue Growth (3Y)16.72%
Cash Flow / Share (Quarterly)$1.72
Price vs S&P 500 (YTD)-49.29%
Gross Margin (TTM)16.30%
Net Profit Margin (TTM)1.74%
EPS (TTM)$0.59
10-Day Avg Trading Volume0.37M
EPS Excl Extra (TTM)$0.59
Revenue Growth (5Y)23.45%
EPS (Annual)$0.45
ROI (Annual)3.92%
Gross Margin (Annual)16.05%
Net Profit Margin (5Y Avg)-2.69%
Cash / Share (Quarterly)$8.80
P/E Basic Excl Extra (TTM)37.20x
Revenue Growth QoQ (YoY)12.30%
P/E Normalized (Annual)49.38x
ROA (Last FY)2.12%
Revenue Growth TTM (YoY)12.10%
EBITD / Share (TTM)$0.82
ROE (5Y Avg)-7.59%
Operating Margin (TTM)1.36%
Cash Flow / Share (Annual)$1.74
P/B Ratio2.43x
P/B Ratio (Quarterly)2.82x
Net Income / Employee (Annual)$17,300
EV / Revenue (TTM)0.62x
Net Interest Coverage (TTM)13.47x
ROA (TTM)2.89%
EPS Growth QoQ (YoY)230.43%
EV / EBITDA (TTM)25.55x
EPS Incl Extra (Annual)$0.45
Current Ratio (Annual)1.69x
Quick Ratio (Quarterly)1.69x
3-Month Avg Trading Volume0.44M
52-Week Price Return-53.76%
EV / Free Cash Flow (Annual)12.15x
P/E Incl Extra (TTM)37.20x
Revenue / Employee (TTM)$1,321,500
Tangible BV / Share (Quarterly)$8.51
P/S Ratio (Annual)0.67x
Asset Turnover (Annual)1.57x
52-Week High$57.88
Operating Margin (5Y Avg)-2.63%
EPS Excl Extra (Annual)$0.45
CapEx CAGR (5Y)13.66%
Tangible BV CAGR (5Y)2.83%
26-Week Price Return-37.66%
Quick Ratio (Annual)1.64x
13-Week Price Return-23.53%
Total Debt / Equity (Annual)0.29x
Current Ratio (Quarterly)1.73x
Enterprise Value$915.54M
Revenue / Share Growth (5Y)18.77%
Asset Turnover (TTM)1.66x
Book Value / Share Growth (5Y)0.55%
Revenue / Employee (Annual)$1,283,900
Pretax Margin (Annual)1.53%
Cash / Share (Annual)$8.54
3-Month Return Std Dev44.39%
Gross Margin (5Y Avg)14.04%
Net Income / Employee (TTM)$23,000
EBITDA CAGR (5Y)67.11%
ROE (Last FY)5.06%
Net Interest Coverage (Annual)3.37x
EPS Basic Excl Extra (Annual)$0.45
P/FCF (TTM)12.78x
Receivables Turnover (TTM)4.98x
EV / Free Cash Flow (TTM)12.20x
Total Debt / Equity (Quarterly)0.28x
EPS Incl Extra (TTM)$0.59
Receivables Turnover (Annual)5.00x
ROI (TTM)5.28%
P/S Ratio (TTM)0.65x
Pretax Margin (5Y Avg)-2.64%
Revenue / Share (Annual)$33.05
Tangible BV / Share (Annual)$8.29
Forward P/E36.96x
Free OCF CAGR (5Y)39.84%
Price vs S&P 500 (52W)-78.13%
P/E Ratio (TTM)37.20x
Year-to-Date Return-41.13%
5-Day Price Return-1.17%
EPS Normalized (Annual)$0.45
ROA (5Y Avg)-3.55%
Net Profit Margin (Annual)1.35%
Month-to-Date Return0.82%
Cash Flow / Share (TTM)$-0.88
EBITD / Share (Annual)$0.69
Operating Margin (Annual)0.98%
LT Debt / Equity (Annual)0.27x
P/CF (TTM)10.89x
ROI (5Y Avg)-6.23%
P/E Excl Extra (TTM)37.20x
LT Debt / Equity (Quarterly)0.25x
EPS Basic Excl Extra (TTM)$0.59
P/TBV (Quarterly)3.00x
P/B Ratio (Annual)4.20x
Pretax Margin (TTM)1.98%
Book Value / Share (Annual)$8.85
Price vs S&P 500 (13W)-31.79%
Beta1.43x
P/FCF (Annual)12.73x
Revenue / Share (TTM)$33.91
ROE (TTM)6.87%
52-Week Low$21.16
vGradeD
gGradeA
mGradeF
vgmGradeC
Show chart for
Earnings Surprise History
Q1 260.11est. 0.07
Analyst Recommendations
Mar 2026
Apr 2026
May 2026
Jun 2026
4.00
4.00
4.00
4.00
Industry Peers — Hospital & Medical Insurance(9)
| Symbol | Value Score | Growth Score | Momentum Score | Price |
|---|---|---|---|---|
TRUPTrupanion, Inc. | D | A | F | $22.00 |
| UNHUNITEDHEALTH GROUP INCORPORATED (Delaware) | D | D | A | $399.47 |
| ELVElevance Health, Inc. | D | D | A | $415.53 |
| CIThe Cigna Group | C | C | C | $289.48 |
| HUMHumana Inc. | D | D | A | $350.08 |
| CNCCentene Corporation | B | B | B | $62.33 |
| MOHMolina Healthcare, Inc. | D | D | B | $190.86 |
| OSCROscar Health, Inc. | B | A | A | $24.51 |
| ALHCAlignment Healthcare, Inc. Common Stock | D | A | F | $15.37 |
| CLOVClover Health Investments, Corp | D | A | A | $3.83 |
About
Trupanion is a specialty pet insurance provider covering cats and dogs in North America. Its revenue comes primarily from direct-to-consumer subscriptions, with supplementary revenue from B2B partnerships and software solutions. The United States is its primary market.