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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 $27.25, about 66.5% overvalued vs fair value, -31.8% 1Y return, placing in the top 10% of its sector.
Metrics P/E 83.8× Rev Growth 12.0% ROE 5.5% Gross Margin 16.1%
$27.25
-8.40%
As of April 28, 2026
Previous close • Vol 90d: 46.7%
52-Week Range
Market Cap
$1.18B
Enterprise Value
$1.16B
Overall Score
View breakdown
Overall
Growth
Excellent
Profitability
Fair
Health
Fair
Efficiency
Weak
Valuation
Fair
Growth
Excellent
Profitability
Fair
Health
Fair
Efficiency
Weak
Valuation
Fair
Completeness: 82%
Confidence: 54%
Updated: Mar 8
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: $27.25 -67% vs base

Engine Room Money Flow™

Small Cap

Insurance & Reinsurance - Where revenue goes and how value is created

Flow Steps
Total Revenue
$1.4B
11.9%%
Claims & Losses
$-1.2B
9.2%%
Acquisition & Admin Expenses
$-76.6M
Underwriting Result
$100.7M
49.5%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Insurance & Reinsurance

Quality & Reliability Indicators

Loss Ratio
83.9%
Poor

Claims & Losses / Revenue — core underwriting discipline metric; lower is better

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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 critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
3
Active Leaks
3/3
Improving
1
High Impact
1
Critical
Locked Leak
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Locked Leak
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Moat Analysis Insurance & Reinsurance

Competitive Advantage Assessment

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

Overall Moat Strength
25
/100
Weak
Scores based on quantitative metrics and qualitative factors

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Underwriting Discipline

Developing
34
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

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

Insurance (Life, P&C, Reinsurance) vs Industry Peers 100% Coverage
Trade-Off Triangle Visualization A ternary plot showing TRUP's balance between Growth (51.9%), Profitability (11.5%), and Safety (36.6%). Growth 52% Safety 37% Profitability 12%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

69th percentile vs peers
70
Key Signals
Rev Growth YoY 11.9% 64p Revenue CAGR 3Y 16.7% 68p Equity Growth YoY 18.8% 66p EPS Growth YoY 2.95 85p Asset Growth YoY 13.4% 77p
Strengths
  • EPS Growth YoY in top 20% of peers (2.95, 85th percentile)
  • Equity/Assets in top 20% of peers (42.0%, 88th percentile)
  • Growth above peer median with strong metric coverage (100%)
  • Conservative leverage compared to industry peers
Risks

No significant risks identified for this axis.

Profitability

15th percentile vs peers
15
Key Signals
Strengths
Risks
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Safety

49th percentile vs peers
49
Key Signals
Strengths
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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
- - -
-66.5% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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