Trupanion Inc.
TRUP | NASDAQ
$30.13
-$0.06 (-0.20%)
At close: Oct 30, 2026, 4:00 PM ET
$30.13
$0.00 (0.00%)
After-hours:
Oct 30, 2026, 7:30 PM ET
Market Data
Market Cap $1.31B
Enterprise Value $1.02B
Beta 1.44
Average Volume 444.49K
Shares Outstanding (Diluted) 43.82M
Shares Change YoY 1.14%
Institutional Ownership 77.95%
Exchange NASDAQ
ISIN US8982021060
Price Performance
Price Change 1M 29.0%
Price Change 3M 23.0%
Price Change 6M 23.8%
Price Change YTD -19.4%
Price Change 1Y -24.7%
Price Change 3Y 46.3%
Price Change 5Y -70.6%
1M CAGR (ann.) 20.2%
1Y CAGR (ann.) -27.7%
5Y CAGR (ann.) -22.4%
All-Time CAGR 7.3%
Valuation
PE Ratio 56.85
Forward PE 39.70
PEG Ratio 0.55
Forward PEG 1.77
PS Ratio 0.86
Forward PS 0.80
PB Ratio 3.21
P/FCF Ratio 15.99
P/Adj. FCF Ratio 29.74
P/OCF Ratio 14.01
EV/Sales 0.67
EV/EBIT 27.80
EV/EBITDA 19.57
EV/FCF 12.44
Earnings Yield 1.8%
FCF Yield 6.3%
Adj. FCF Yield 3.4%
Financial Health
Net Cash $291.58M
Total Debt $106.91M
Cash & Short-Term Investments $398.49M
Total Assets $930.81M
Current Ratio 1.77
Quick Ratio 1.85
Debt / Equity Ratio 0.26
Debt / EBITDA 2.05
Debt / FCF 1.30
OCF / Debt 0.88
Interest Coverage 2.32
Altman Z-Score 3.39
Piotroski F-Score 8
Margins & Profitability
Gross Profit Margin 22.5%
Operating Profit Margin 1.6%
EBITDA Margin 3.4%
Net Profit Margin 1.5%
FCF Margin 5.4%
Adj. FCF Margin 2.9%
SBC / Revenue 2.5%
SBC Impact (per share) -46.2%
Returns
Return on Assets 2.5%
Return on Equity 6.0%
Return on Invested Capital 4.3%
Return on Capital Employed 4.7%
Return on Tangible Assets 2.7%
Historical Growth (CAGR)
Revenue CAGR 3Y 14.7%
Revenue CAGR 5Y 20.6%
Revenue CAGR 10Y 24.8%
EPS CAGR 3Y 432.4%
EPS CAGR 5Y 112.8%
EPS CAGR 10Y 3.9%
FCF CAGR 3Y 52.2%
FCF CAGR 5Y 108.6%
FCF CAGR 10Y 73.8%
Analyst Forecasts
Analyst Rating Hold
Analyst Count 4
EPS Growth Next 3Y N/A
Revenue Growth Next 3Y N/A
Earnings Date Nov 5, 2026
EPS Estimate (next Q) $0.16
EPS Growth Est (next Q) 25.6%
Revenue Est (next Q) $402.53M
Revenue Growth Est (next Q) 9.7%
Fair Value Estimates
Graham Number $10.57
Graham Upside -64.9%
Lynch Fair Value $13.25
Lynch Upside -56.0%
Price Target $33.25
Price Target Upside 10.4%
Cash Flow
Operating Cash Flow $94.08M
Free Cash Flow $82.18M
Adj. Free Cash Flow $44.19M
FCF Per Share $1.88
OCF Per Share $2.15
OCF/S Ratio 6.2%
Income Statement
Revenue $1.52B
Gross Profit $341.84M
Operating Income $24.48M
EBITDA $52.26M
Net Income $23.21M
EPS (Diluted) $0.53
Revenue / Employee $1.36M
Profit / Employee $20.71K
Employees 1,121
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