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Trupanion Inc.

TRUP | NASDAQ
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$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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