# Trupanion Inc. (TRUP) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Insurance - Property & Casualty. Price $27.80, market value $1.2 billion.

## Valuation
- **P/E (trailing): 52.5×** (5-yr avg 83.0×, 3-yr avg 83.0×). Trupanion Inc. trades at 52.5× trailing earnings, well below its own five-year average of 83.0×: cheap by its own standards. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 6.5×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.02**. A PEG of 0.02 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 0.8×**. Each dollar of revenue is priced at 0.8×, a low multiple typical of thin-margin businesses or out-of-favour stocks.
- **Price / book: 3.0×**. The shares trade at 3.0× book value; book value is a meaningful part of the valuation.
- **EV / EBITDA: 30.0×**. Enterprise value is 30.0× operating earnings before depreciation, the multiple that ignores how the company is financed; above 20× is demanding.
- **Free-cash-flow yield: 6.8%** (5-yr avg 1.0%). Free cash flow equals 6.8% of the market value, above its five-year average of 1.0%, so the shares are cheaper on cash than they have usually been. Above 5% is generally attractive.
- **Earnings yield: 1.9%**. The inverse of the P/E: 1.9% of the price is earned each year.

## Profitability
- **Operating margin: 1.6%**. 1.6% of revenue is left after running the business, which leaves little cushion in a downturn.
- **Return on invested capital: 6.0%**. Return on all capital, debt included, is 6.0%: close to or below the cost of capital, so growth may not create value.

## Growth
- **Revenue growth (1 yr): 11.9%** (3-yr 16.7%/yr, 5-yr 23.4%/yr). Revenue grew 11.9% over the last year, against 23.4% a year compounded over five years: growth is slowing.
- **EPS growth (1 yr): 295.7%**. Earnings per share rose 295.7%, faster than revenue, so margins expanded or the share count shrank.

## Financial health
- **Cash and short-term investments: $138 million**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend: none**. Trupanion Inc. does not currently pay a dividend.

## Analyst view
- **Analyst consensus: buy** (4 analysts). 4 analysts cover Trupanion Inc.; the consensus is buy, with an average price target of $34.25 (+23% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): -37.7%** (YTD -25.6%, 3-mo 26.4%). The shares are down 37.7% over twelve months including dividends.
- **From 52-week high: -40.8%** (31.4% above the low). Trading 41% below its 52-week high, deep in a drawdown.
- **200-day average: below**. The price sits below its 200-day moving average, the usual definition of a downtrend.
- **RSI (14-day): 45**. An RSI of 45 is neutral.
- **Beta (1 yr): 0.14** (volatility 46%). Beta of 0.14 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=TRUP · Page: https://foliofundamentals.com/stocks/trup

Not investment advice.