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Trupanion, Inc. (TRUP)
Price$28.88
Favorite Metrics
Price vs S&P 500 (26W)-40.49%
Price vs S&P 500 (4W)-1.90%
Market Capitalization$1.25B
P/E Ratio (Annual)64.54x
All Metrics
P/CF (Annual)14.02x
Book Value / Share (Quarterly)$8.85
P/TBV (Annual)4.49x
Indicated Dividend (Annual)$0.00
Revenue Growth (3Y)16.72%
Cash Flow / Share (Quarterly)$1.74
Price vs S&P 500 (YTD)-28.68%
Gross Margin (TTM)16.05%
Net Profit Margin (TTM)1.35%
EPS (TTM)$0.45
10-Day Avg Trading Volume0.32M
EPS Excl Extra (TTM)$0.45
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)$8.54
P/E Basic Excl Extra (TTM)64.54x
Revenue Growth QoQ (YoY)11.72%
P/E Normalized (Annual)64.54x
ROA (Last FY)2.12%
Revenue Growth TTM (YoY)11.95%
EBITD / Share (TTM)$1.20
ROE (5Y Avg)-7.59%
Operating Margin (TTM)0.98%
Cash Flow / Share (Annual)$1.74
P/B Ratio3.27x
P/B Ratio (Quarterly)4.20x
Net Income / Employee (Annual)$0
EV / Revenue (TTM)0.85x
Net Interest Coverage (TTM)13.47x
ROA (TTM)2.23%
EPS Growth QoQ (YoY)230.43%
EV / EBITDA (TTM)23.66x
EPS Incl Extra (Annual)$0.45
Current Ratio (Annual)1.69x
Quick Ratio (Quarterly)1.64x
3-Month Avg Trading Volume0.43M
52-Week Price Return-17.50%
EV / Free Cash Flow (Annual)16.30x
P/E Incl Extra (TTM)64.54x
Revenue / Employee (TTM)$1
Tangible BV / Share (Quarterly)$8.29
P/S Ratio (Annual)0.87x
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-31.74%
Quick Ratio (Annual)1.64x
13-Week Price Return-17.16%
Total Debt / Equity (Annual)0.29x
Current Ratio (Quarterly)1.69x
Enterprise Value$1,228.023
Revenue / Share Growth (5Y)18.77%
Asset Turnover (TTM)1.65x
Book Value / Share Growth (5Y)0.55%
Revenue / Employee (Annual)$1
Pretax Margin (Annual)1.53%
Cash / Share (Annual)$8.54
3-Month Return Std Dev47.93%
Gross Margin (5Y Avg)14.04%
Net Income / Employee (TTM)$0
EBITDA CAGR (5Y)76.68%
ROE (Last FY)5.06%
Net Interest Coverage (Annual)2.56x
EPS Basic Excl Extra (Annual)$0.45
P/FCF (TTM)16.64x
Receivables Turnover (TTM)5.00x
EV / Free Cash Flow (TTM)16.30x
Total Debt / Equity (Quarterly)0.29x
EPS Incl Extra (TTM)$0.45
Receivables Turnover (Annual)5.00x
ROI (TTM)4.07%
P/S Ratio (TTM)0.87x
Pretax Margin (5Y Avg)-2.64%
Revenue / Share (Annual)$33.05
Tangible BV / Share (Annual)$8.29
Forward P/E57.95x
Free OCF CAGR (5Y)39.84%
Price vs S&P 500 (52W)-52.59%
P/E Ratio (TTM)64.54x
Year-to-Date Return-24.54%
5-Day Price Return11.42%
EPS Normalized (Annual)$0.45
ROA (5Y Avg)-3.55%
Net Profit Margin (Annual)1.35%
Month-to-Date Return10.11%
Cash Flow / Share (TTM)$-0.88
EBITD / Share (Annual)$0.91
Operating Margin (Annual)0.98%
LT Debt / Equity (Annual)0.27x
P/CF (TTM)14.02x
ROI (5Y Avg)-6.23%
P/E Excl Extra (TTM)64.54x
LT Debt / Equity (Quarterly)0.27x
EPS Basic Excl Extra (TTM)$0.45
P/TBV (Quarterly)4.49x
P/B Ratio (Annual)4.20x
Pretax Margin (TTM)1.53%
Book Value / Share (Annual)$8.85
Price vs S&P 500 (13W)-20.02%
Beta1.66x
P/FCF (Annual)16.64x
Revenue / Share (TTM)$33.03
ROE (TTM)5.39%
52-Week Low$24.15
Analyst Recommendations
Jan 2026
Feb 2026
Mar 2026
Apr 2026
4.00
4.00
4.00
4.00
Industry Peers — Hospital & Medical Insurance(9)
| Symbol | P/B Ratio (Quarterly) | ROE (TTM) | Indicated Dividend Yield (Annual) | Operating Margin (TTM) | Price |
|---|---|---|---|---|---|
TRUPTrupanion, Inc. | 4.20x | 5.39% | — | 0.98% | $28.88 |
UNHUNITEDHEALTH GROUP INCORPORATED (Delaware) | 2.99x | 12.50% | 2.73% | 4.18% | $323.48 |
CIThe Cigna Group | 1.76x | 14.53% | 2.24% | 3.35% | $279.92 |
ELVElevance Health, Inc. | 1.78x | 13.01% | 2.13% | 4.07% | $319.36 |
HUMHumana Inc. | 1.74x | 6.59% | 1.68% | 2.03% | $210.34 |
CNCCentene Corporation | 1.01x | -27.74% | — | -3.91% | $38.31 |
MOHMolina Healthcare, Inc. | 2.19x | 10.99% | — | 1.72% | $150.12 |
OSCROscar Health, Inc. | 3.89x | -39.45% | — | -3.39% | $16.44 |
ALHCAlignment Healthcare, Inc. Common Stock | 22.04x | -0.49% | — | 0.37% | $21.56 |
CLOVClover Health Investments, Corp | 3.93x | -25.73% | — | -4.44% | $2.23 |
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.