Stock AnalizTrupanion, Inc. TRUP
Medical Specialities · data as of November 13, 2026
Trupanion, Inc. (TRUP) is a healthcare company listed in the US with a market value of about $1.5B. In the twelve months to September 30, 2026 it had revenue of $1.6B and net income of $27M, a net margin of 1.7%.
Its overall Stock Analiz score is 2.0 out of 5 (weak). The strongest part is financial health (4/5); the weakest is value (1/5).
Key numbers: a P/E of 56.5, a price to free cash flow of 17.2, 5-year revenue growth of 23% a year, a 5-year average ROIC of -5%. A discounted cash flow model with moderate assumptions puts its intrinsic value about 42% below the current price.
Score: 2.0 / 5
Checks passed
- P/FCF below 20
- Revenue growth above 10% last year
- 3-year revenue growth above 10% a year
- Profit margin improving
- 5-year revenue growth above 8% a year
- More cash than debt, or low debt to equity
- Positive free cash flow
- Debt below 3 years of free cash flow
Checks not passed
- P/E below 25
- P/E below the industry median
- Price below intrinsic value (DCF, moderate assumptions)
- PEG below 1.5
- 3-year free cash flow growth above 10% a year
- Strong R&D investment or growth above 20%
- 5-year EPS growth above 10% a year
- 5-year average ROIC above 12%
Valuation
Growth and quality
Financials, last 10 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $1.6B | $1.4B | $1.3B | $1.1B | $905M | $699M | $502M | $384M | $304M | $243M | $188M |
| Net income | $27M | $19M | -$10M | -$45M | -$45M | -$36M | -$6M | -$2M | -$927000 | -$2M | -$7M |
| Free cash flow | $87M | $75M | $39M | $358000 | -$25M | -$5M | $14M | $11M | -$44M | $7M | $3M |
| EPS (diluted) | $0.61 | $0.45 | $-0.23 | $-1.08 | $-1.10 | $-0.89 | $-0.16 | $0.02 | $-0.01 | $-0.05 | $-0.24 |
| Net margin | 1.7% | 1.4% | -0.8% | -4.0% | -4.9% | -5.1% | -1.2% | -0.5% | -0.3% | -0.6% | -3.7% |
| ROIC | — | 2.5% | -2.1% | -9.4% | -9.1% | -8.4% | -1.1% | -0.9% | -0.7% | -3.6% | -9.7% |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 4 analysts is $36.75, 7% above the current price; targets range from $32.00 to $48.00; the consensus rating is “Buy”; expected EPS is $4.04 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is Trupanion’s P/E ratio?
About 56.5, based on the last twelve months of diluted earnings per share (forward P/E about 8.1).
Is Trupanion stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 42% below the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does Trupanion pay a dividend?
Not currently.
Is Trupanion a good stock to buy?
We do not give buy or sell advice. Trupanion scores 2.0 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.