TRUP
NEUTRAL
$28.88
Live
Trupanion, Inc. · NASDAQ
Target $42.25
(+46.3%)
$24.15
52W Range
$57.88
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 21, 2026
Market cap
$1.25B
P/E
64.18
ROE
5.5%
Profit margin
1.4%
Debt/Equity
0.33
Dividend yield
N/A
AI Analysis
AI-powered fundamental assessment
Confidence
85%
TRUP exhibits strong operational health with a Piotroski F-Score of 8/9 and low leverage, yet it remains fundamentally overvalued relative to its Graham Number ($9.46) and Intrinsic Value ($13.28). While the Forward P/E of 6.80 suggests a significant expected earnings inflection, the historical track record is marred by frequent earnings misses and a long-term bearish price trend. Insider sentiment is bearish with consistent selling by executives. The stock is currently a battle between strong balance sheet health and poor valuation/execution metrics.
Key Strengths
Strong Piotroski F-Score (8/9) indicating high operational health
Low Debt/Equity ratio (0.33) suggesting minimal insolvency risk
Attractive Price/Sales ratio (0.87) relative to sector
Consistent positive revenue growth (11.7% YoY)
Healthy liquidity with a Current Ratio of 1.67
Key Risks
Significant premium to Intrinsic Value ($28.88 vs $13.28)
Poor earnings track record with only 1 beat in the last 4 quarters
Bearish insider activity with multiple executive sales and zero buys
Very thin profit margins (1.35%) leaving little room for error
Severe long-term price erosion (-64.3% over 5 years)
AI Fair Value Estimate
Based on comprehensive analysis
$14.5
-49.8% below current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
40
Moderate
30
60
20
90
0
AI Verdict
Speculative Hold
Key drivers: Strong Piotroski health score, Extreme valuation gap, Bearish insider sentiment, Discrepancy between trailing and forward P/E
Confidence
80%
Value
30/100
Ref P/E, PEG, Graham Number
Positives
- Low Price/Sales ratio
Watchpoints
- Trailing P/E of 64.18
- Price is ~216% of Graham Number
Future
60/100
Ref Growth rates
Positives
- Very low Forward P/E (6.80)
- High YoY Earnings Growth (235%)
Watchpoints
- Frequent earnings misses
- Low ROE (5.5%)
Past
20/100
Ref Historical trends
Positives
- Recent 1-week recovery (+14.1%)
Watchpoints
- 5Y Change of -64.3%
- Consistent failure to meet analyst estimates
Health
90/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- Piotroski F-Score 8/9
- Low Debt/Equity (0.33)
- Strong Current Ratio
Watchpoints
- Altman Z-Score not provided
Dividend
0/100
Ref Yield, Payout
Positives
No standout positives identified.
Watchpoints
- No dividend payments
- 0/100 Dividend Strength
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$28.88
Analyst Target
$42.25
Upside/Downside
+46.3%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for TRUP and closest competitors.
Updated 2026-04-20
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
TRUP
Trupanion, Inc.
Primary
|
-64.3% | -13.5% | -15.1% | -34.4% | +10.2% | +14.1% |
|
PEBO
Peoples Bancorp Inc.
Peer
|
+32.9% | +61.6% | +33.3% | +24.4% | +10.5% | +1.8% |
|
TIGR
UP Fintech Holding Limited
Peer
|
-60.7% | +131.6% | +7.1% | -28.2% | +8.2% | +3.5% |
|
FMBH
First Mid Bancshares, Inc.
Peer
|
+14.0% | +77.1% | +37.0% | +22.6% | +9.3% | +5.5% |
|
TRIN
Trinity Capital Inc.
Peer
|
+121.8% | +106.5% | +34.2% | +19.1% | +14.4% | +7.8% |
TRU
Trupanion, Inc.
Primary
5Y
-64.3%
3Y
-13.5%
1Y
-15.1%
6M
-34.4%
1M
+10.2%
1W
+14.1%
PEB
Peoples Bancorp Inc.
Peer
5Y
+32.9%
3Y
+61.6%
1Y
+33.3%
6M
+24.4%
1M
+10.5%
1W
+1.8%
TIG
UP Fintech Holding Limited
Peer
5Y
-60.7%
3Y
+131.6%
1Y
+7.1%
6M
-28.2%
1M
+8.2%
1W
+3.5%
FMB
First Mid Bancshares, Inc.
Peer
5Y
+14.0%
3Y
+77.1%
1Y
+37.0%
6M
+22.6%
1M
+9.3%
1W
+5.5%
TRI
Trinity Capital Inc.
Peer
5Y
+121.8%
3Y
+106.5%
1Y
+34.2%
6M
+19.1%
1M
+14.4%
1W
+7.8%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
64.18
Forward P/E
6.8
PEG Ratio
N/A
P/B Ratio
3.26
P/S Ratio
0.87
EV/Revenue
0.7
EV/EBITDA
32.45
Market Cap
$1.25B
Profitability
Profit margins and return metrics
Profit Margin
1.35%
Operating Margin
2.19%
Gross Margin
22.57%
ROE
5.5%
ROA
1.11%
Growth
Revenue and earnings growth rates
Revenue Growth
+11.7%
Earnings Growth
+235.1%
Q/Q Revenue Growth
+11.72%
Q/Q Earnings Growth
+240.0%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
0.33
Low debt
Current Ratio
1.67
Good
Quick Ratio
1.64
Excellent
Cash/Share
$8.54
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$0.4B
Gross Margin
17.3%
Op. Margin
8.3%
Net Margin
1.5%
Total Assets
$0.9B
Liabilities
$0.5B
Equity
$0.4B
Debt/Equity
1.38x
Operating CF
$0.0B
CapEx
$-0.0B
Free Cash Flow
$0.0B
FCF Yield
87%
Quarterly Earnings History
EPS performance vs analyst estimates
2026-04-30
$N/A
2026-02-12
$0.13
-19.6% surprise
2025-11-06
$0.77
-13.8% surprise
2025-08-07
$0.73
+8.4% surprise
Financial Services Sector Comparison
Comparing TRUP against 579 companies in the Financial Services sector
(106 bullish, 239 neutral, 234 bearish)
P/E Ratio
64.18
This Stock
vs
41.68
Sector Avg
+54.0%
(Expensive)
Return on Equity (ROE)
5.5%
This Stock
vs
-0.24%
Sector Avg
-2362.1%
(Below Avg)
Profit Margin
1.35%
This Stock
vs
47.47%
Sector Avg
-97.2%
(Weaker)
Debt to Equity
0.33
This Stock
vs
1.36
Sector Avg
-75.8%
(Less Debt)
Revenue Growth
11.7%
This Stock
vs
39.3%
Sector Avg
-70.2%
(Slower)
Current Ratio
1.67
This Stock
vs
3.65
Sector Avg
-54.3%
(Weaker)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
TRUP
Trupanion, Inc.
|
NEUTRAL | $1.25B | 64.18 | 5.5% | 1.4% | $28.88 | |
|
PEBO
Peoples Bancorp Inc.
|
NEUTRAL | $1.25B | 11.5 | 9.2% | 25.6% | $34.74 | Compare |
|
TIGR
UP Fintech Holding Limited
|
BULLISH | $1.27B | 7.65 | 22.4% | 31.7% | $7.11 | Compare |
|
FMBH
First Mid Bancshares, Inc.
|
BULLISH | $1.17B | 11.29 | 10.2% | 27.0% | $43.93 | Compare |
|
TRIN
Trinity Capital Inc.
|
BEARISH | $1.35B | 8.28 | 14.1% | 48.5% | $16.22 | Compare |
TRUP
Trupanion, Inc.
NEUTRAL
Mkt Cap
$1.3B
P/E
64.2
ROE
5.5%
Price
$28.88
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-03-30 | GALLAGHER JOHN R | Chief Operating Officer | Sale | 430 | $10,952 |
| 2026-03-04 | DREYER EMILY | Officer | Sale | 7,792 | $219,320 |
| 2026-02-27 | GALLAGHER JOHN R | Chief Operating Officer | Sale | 5,283 | $140,080 |
| 2026-02-27 | QURESHI FAWWAD | Chief Financial Officer | Sale | 2,837 | $75,075 |
| 2026-02-25 | WEINRAUCH STEVE A | Officer | Sale | 85 | $2,270 |
| 2026-02-25 | WEINRAUCH STEVE A | Officer | Stock Award | 925 | - |
| 2026-02-25 | DREYER EMILY | Officer | Stock Award | 1,825 | - |
| 2026-02-25 | GALLAGHER JOHN R | Chief Operating Officer | Stock Award | 1,260 | - |
| 2026-02-25 | MCGIBNEY BRENNA | Officer | Stock Award | 646 | - |
| 2026-02-25 | RAWLINGS DARRYL G | Director | Stock Award | 946 | - |
| 2026-02-25 | TOOTH MARGARET R | Chief Executive Officer | Stock Award | 4,516 | - |
| 2026-02-25 | BEARMAN ASHER | Officer | Stock Award | 305 | - |
| 2026-02-25 | WHEELER SIMON | Officer | Stock Award | 322 | - |
| 2026-02-25 | QURESHI FAWWAD | Chief Financial Officer | Sale | 4,645 | $118,958 |
| 2026-02-25 | QURESHI FAWWAD | Chief Financial Officer | Stock Award | 3,750 | - |
GALLAGHER JOHN R
Chief Operating Officer
2026-03-30
430 shares
·
$10,952
DREYER EMILY
Officer
2026-03-04
7,792 shares
·
$219,320
GALLAGHER JOHN R
Chief Operating Officer
2026-02-27
5,283 shares
·
$140,080
QURESHI FAWWAD
Chief Financial Officer
2026-02-27
2,837 shares
·
$75,075
WEINRAUCH STEVE A
Officer
2026-02-25
85 shares
·
$2,270
WEINRAUCH STEVE A
Officer
2026-02-25
925 shares
DREYER EMILY
Officer
2026-02-25
1,825 shares
GALLAGHER JOHN R
Chief Operating Officer
2026-02-25
1,260 shares
MCGIBNEY BRENNA
Officer
2026-02-25
646 shares
RAWLINGS DARRYL G
Director
2026-02-25
946 shares
TOOTH MARGARET R
Chief Executive Officer
2026-02-25
4,516 shares
BEARMAN ASHER
Officer
2026-02-25
305 shares
WHEELER SIMON
Officer
2026-02-25
322 shares
QURESHI FAWWAD
Chief Financial Officer
2026-02-25
4,645 shares
·
$118,958
QURESHI FAWWAD
Chief Financial Officer
2026-02-25
3,750 shares
Insider transactions can signal confidence or concerns about company prospects
SEC Filings
Recent regulatory filings from the SEC EDGAR database
10-K
8-K
10-Q
8-K
10-Q
8-K
8-K
10-Q
Data sourced from SEC EDGAR. AI summaries generated automatically.
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
BUY
4 analysts
B of A Securities
2026-04-14
Buy
Buy
Cantor Fitzgerald
2026-04-09
Neutral
Neutral
Stifel
2026-03-31
Hold
Hold
Stifel
2026-02-13
Hold
Hold
Piper Sandler
2026-02-13
Overweight
Overweight
Stifel
2026-01-29
Hold
Hold
Cantor Fitzgerald
2026-01-14
Neutral
Neutral
Piper Sandler
2025-12-19
Overweight
Overweight
Stifel
2025-11-18
Hold
Hold
Past News Coverage
Recent headlines mentioning TRUP from our newsroom.
Newest → oldest
No matching news yet.