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Company Analysis

Trupanion, Inc. TRUP

A comprehensive view of key metrics, scores, and financial health for Trupanion, Inc.

Overview of Trupanion, Inc.

TRUP NGM
Financial Services Insurance - Property & Casualty Small Cap
Trupanion, Inc. (TRUP), is a Small Cap company, in the Insurance - Property & Casualty industry, last closed at $24.74, about 63.1% overvalued vs fair value, -31.5% 1Y return, placing in the top 25% of its sector.
$24.74
-0.28%
As of March 13, 2026
Previous close • Vol 90d: 46.7%
Market Cap
$1.19B
Enterprise Value
$1.17B
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.trupanion.com
HQ Seattle, WA
Employees 1,121
Fiscal year Dec 31

Next Events

Earnings Apr 30 Estimated

Fair Value Snapshot

Bear Base Bull
$5
$9
$17
Current: $24.74 -63% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$12.3M
-0.8%%
Interest Expense
$13.8M
Net Interest Income
$-1.5M
30.5%%
Total Revenue
$1.4B
11.9%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
5.1%
Poor

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$18.5M
95.5% of Net Income

Where It Leaks

Cash Flow Health some concerns
Moderate efficiency issues detected. Review active leaks below for improvement areas.
2
Active Leaks
2/2
Improving
1
High Impact
0
Critical
Locked Leak
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Moat Analysis Corporate Default

Competitive Advantage Assessment

Evaluating Trupanion, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
31
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Pricing Power

Developing
33
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Generic Industrial / Default vs Industry Peers 92% Coverage
Trade-Off Triangle Visualization A ternary plot showing TRUP's balance between Growth (51.1%), Profitability (18.4%), and Safety (30.5%). Growth 51% Safety 30% Profitability 18%

Click axes to expand details. Marker shows current allocation.

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Growth

72th percentile vs peers
72
Key Signals
Rev Growth YoY 11.9% 66p Revenue CAGR 3Y 16.7% 68p EPS Growth YoY 2.95 85p
Strengths
  • Eps Growth Yoy in top 20% of peers (2.95, 85th percentile)
  • Superior capital returns - 2 return metrics above peer median
  • Growth above peer median with strong metric coverage (75%)
  • Debt/Fcf Ratio in top 20% of peers (1.48, 84th percentile)
  • Conservative leverage compared to industry peers
Risks

No significant risks identified for this axis.

Profitability

26th percentile vs peers
26
Key Signals
Strengths
Risks
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Safety

43th percentile vs peers
43
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

Scenario-based fair value ranges for Trupanion, Inc..

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$9.12
- - -
-63.1% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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