Trupanion Inc (TRUP) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Trupanion Inc stock (TRUP) is currently trading at $25.57. Trupanion Inc PE ratio is 58.24. Trupanion Inc PS ratio (Price-to-Sales) is 0.79. Analyst consensus price target for TRUP is $46.25. WallStSmart rates TRUP as Underperform.
- TRUP PE ratio analysis and historical PE chart
- TRUP PS ratio (Price-to-Sales) history and trend
- TRUP intrinsic value — DCF, Graham Number, EPV models
- TRUP stock price prediction 2025 2026 2027 2028 2029 2030
- TRUP fair value vs current price
- TRUP insider transactions and insider buying
- Is TRUP undervalued or overvalued?
- Trupanion Inc financial analysis — revenue, earnings, cash flow
- TRUP Piotroski F-Score and Altman Z-Score
- TRUP analyst price target and Smart Rating
Trupanion Inc
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TRUP Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Trupanion Inc (TRUP)
TRUP trades 54% above its Graham fair value of $21.06, indicating the stock may be overvalued at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Trupanion Inc (TRUP) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in price/sales, eps growth, institutional own.. Concerns around return on equity and operating margin. Fundamentals are solid but monitor weak areas for improvement.
Trupanion Inc (TRUP) Key Strengths (3)
Paying less than $1 for every $1 of annual revenue
Earnings per share surging 235.10% year-over-year
84.81% of shares held by major funds and institutions
Supporting Valuation Data
Trupanion Inc (TRUP) Areas to Watch (6)
Near-zero operating margins, business under pressure
Very thin margins, barely profitable
Low profitability relative to shareholder equity
Small-cap company with higher risk but more growth potential
Fairly priced relative to book value
Solid revenue growth at 11.70% per year
Supporting Valuation Data
Trupanion Inc (TRUP) Detailed Analysis Report
Overall Assessment
This company scores 53/100 in our Smart Analysis, earning a C- grade. Out of 9 metrics analyzed, 3 register as strengths (avg 10.0/10) while 6 fall into concern territory (avg 3.8/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Price/Sales, EPS Growth, Institutional Own.. Valuation metrics including Price/Sales (0.79) suggest the stock is attractively priced. Growth metrics are encouraging with EPS Growth at 235.10%.
The Bear Case
The primary concerns are Operating Margin, Profit Margin, Return on Equity. Some valuation metrics including Price/Book (2.96) suggest expensive pricing. Growth concerns include Revenue Growth at 11.70%, which may limit upside. Profitability pressure is visible in Return on Equity at 5.50%, Operating Margin at 2.19%, Profit Margin at 1.35%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Operating Margin improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 5.50% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 11.70% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Price/Sales, EPS Growth) and negatives (Operating Margin, Profit Margin). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
TRUP Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
TRUP's Price-to-Sales ratio of 0.79x sits near its historical average of 0.8x (17th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 9% below its historical high of 0.87x set in Mar 2026, and 5% above its historical low of 0.75x in Mar 2026.
Compare TRUP with Competitors
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Data-driven financial summary for Trupanion Inc (TRUP) · FINANCIAL SERVICES › INSURANCE - PROPERTY & CASUALTY
The Big Picture
Trupanion Inc is a mature, profitable business with steady cash generation. Revenue reached 1.4B with 12% growth year-over-year. Profit margins are strong at 135.0%, reflecting pricing power and operational efficiency.
Key Findings
ROE of 550.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Profit margin of 135.0% and operating margin of 219.0% demonstrate strong pricing power and operational efficiency.
What to Watch Next
Valuation compression risk at a P/E of 58.2x. Any growth miss could trigger a sharp correction.
Volatility is elevated with a beta of 1.70, so expect amplified moves relative to the broader market.
Sector dynamics: monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive moves, and regulatory changes that could impact Trupanion Inc.
Bottom Line
Trupanion Inc is a well-established business delivering consistent profitability with 135.0% margins. The growth phase may be slowing, but strong cash generation and operational efficiency make it suitable for investors seeking reliability over excitement.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(156 last 3 months)
| Insider | Type | Shares |
|---|---|---|
DREYER, EMILY Chief Revenue Officer | Sell | -7,792 |
| Insider | Type | Shares |
|---|---|---|
GALLAGHER, JOHN R Chief Operating Officer | Sell | -430 |
| Insider | Type | Shares |
|---|---|---|
GALLAGHER, JOHN R Chief Operating Officer | Sell | -430 |
Data sourced from SEC Form 4 filings
Last updated: 8:25:15 AM
About Trupanion Inc(TRUP)
NASDAQ
FINANCIAL SERVICES
INSURANCE - PROPERTY & CASUALT...
USA
Trupanion, Inc. offers monthly subscription medical insurance for dogs and cats in the United States, Canada, Puerto Rico and Australia. The company is headquartered in Seattle, Washington.