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Trupanion

NMQ:TRUP · US8982021060
InsuranceMedium

360

51
EV / EBIT1
Price / Owner Earnings3
Cash yield1
Price/Sales86
EV / Gross Profit71
Price/Book21
Returns on capital27
Profit margins9
Cash Conversion88
Accruals43
Owner Earnings Margin13
Sales growth76
Profit Growth34
Long-Term EPS Growth76
Owner Earnings Growth85
Reinvestment18
Price momentum7
Debt load42
Debt serviceability77
Liquidity18
Analyst ratings60
Opinion Changes50
Price Target Upside93
Market mood35
Value Creation14/20strong value creator
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Trupanion generates returns well above its cost of capital, the foundation of durable shareholder value.

Profile

CountryUSA
IndustryInsurance
SizeMedium
TypePublic Company
ExchangeNASDAQGM
Founded2006
Employees910
Websitetrupanion.com
ISINUS8982021060
Last UpdateApr 2, 2026
Indices
NASDAQ (USA)
Themes
Health InsuranceInsurancePet

Description

Trupanion, Inc. provides medical insurance for cats and dogs in the United States, Canada, certain countries in Continental Europe, and Australia. Through the company’s data-driven, vertically-integrated approach, the company develops and offers hig…

Analysis

Story stock

Trupanion, Inc. is a story stock: the narrative is ambitious and the price reflects it, but the underlying numbers are weak.

The price is expensive. You pay 35.5× its owner earnings: the cash an owner could take out each year, which is in the historically expensive zone.

The trajectory is solid and the balance sheet is sturdy. The company scores 14/20 on our value-creation score: strong value creator. Analysts lean positive.

Nothing is flagged here: no red or amber gates, no divergence between profits and cash. That is itself information: the numbers are straightforward. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
19
2023202420252026

All-time high

45

Mar 2026

All-time low

14

Jan 2025

Average rank

22

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
86
38
46
13
Price/Earnings
88
5
17
—
Price/Book
21
9
15
1
Dividend Yield
1
1
1
1
Value (overall)
44
5
20
9

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
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