TRUP - Trupanion Inc Stock Price, Fair Value and News

23.91USD+1.16 (+5.10%)Market Closed

Market Summary

USD23.91+1.16

Market Closed

5.10%

TRUP Stock Price

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TRUP RSI Chart

TRUP Valuation

Market Cap

999.8M

Price/Earnings (Trailing)

-22.37

Price/Sales (Trailing)

0.9

EV/EBITDA

-47.84

Price/Free Cashflow

2.8K

TRUP Price/Sales (Trailing)

TRUP Profitability

Operating Margin

11.82%

EBT Margin

-4.06%

Return on Equity

-14.72%

Return on Assets

-5.71%

Free Cashflow Yield

0.04%

TRUP Fundamentals

TRUP Revenue

Revenue (TTM)

1.1B

Rev. Growth (Yr)

20.26%

Rev. Growth (Qtr)

3.5%

TRUP Earnings

Earnings (TTM)

-44.7M

Earnings Growth (Yr)

76.7%

Earnings Growth (Qtr)

46.41%

Breaking Down TRUP Revenue

Last 7 days

3.4%

Last 30 days

-10.6%

Last 90 days

-20.1%

Trailing 12 Months

-30.6%

How does TRUP drawdown profile look like?

TRUP Financial Health

Current Ratio

1.63

Debt/Equity

0.42

Debt/Cashflow

0.15

TRUP Investor Care

Shares Dilution (1Y)

1.94%

Diluted EPS (TTM)

-1.08

Historical Charts for Stock Metrics

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Net sales

Year	Q1	Q2	Q3	Q4
2023	955.5M	1.0B	1.1B	1.1B
2022	750.3M	801.5M	853.5M	905.2M
2021	545.4M	595.8M	647.3M	699.0M
2020	408.3M	434.0M	464.8M	502.0M
2019	321.2M	340.0M	361.1M	383.9M
2018	257.7M	272.8M	287.9M	304.0M
2017	200.3M	212.7M	227.5M	242.7M
2016	156.4M	166.6M	177.1M	188.2M
2015	123.6M	131.1M	138.6M	147.0M
2014	91.6M	99.9M	108.1M	115.9M
2013	62.6M	69.7M	76.8M	83.8M
2012	0	0	0	55.5M

Get all data in R, Python etc through our Historical Stock Data APIs

GRUFITY'S FAIR VALUE MODEL

Stocks Marked 'Very Cheap' by Grufity's Fair Value Model Have Outperformed Russell 2000 Index

Small Caps and Mid Caps are mostly overlooked by investors as all the focus goes to Magnificent 7. These stocks that are not part of the beauty contest require a deeper look. However, all large cap stocks were once small caps. Grufity's Fair Value model opens up this unverse as it separates high-performing, rewarding stocks from low-performing risky stocks. <b>Russell 2000 stocks that were marked 'Very Cheap' by the model doubled in three years while the index was flat.</b>

Returns of $10,000 invested in:

Very Cheap Stocks: $21,859
Russell 2000 Index: $10,334
Very Expensive Stocks: $8,224

Russell 2000 stocks considered 'Very Cheap' by the model greatly outperformed Russell 2000 index and the 'Very Expensive' bucket over past three years.

Russell 2000 Index

Very Expensive Stocks

Very Cheap Stocks

Try For Just $1.99

Tracking the Latest Insider Buys and Sells of Trupanion Inc

Filter Transactions

Datesorted ascending	Name	Buy/Sell	$ Value	Avg. Price	# Shares	Title
Mar 31, 2024	mclaughlin elizabeth	acquired	-	-	1,582	-
Mar 31, 2024	levitan dan	acquired	-	-	1,582	-
Mar 31, 2024	rubin howard e	acquired	-	-	569	-
Mar 31, 2024	broden max	acquired	-	-	1,582	-
Mar 31, 2024	davidson jacqueline l	acquired	-	-	1,055	-
Mar 31, 2024	dodson paulette r.	acquired	-	-	1,055	-
Mar 31, 2024	satchu zay	acquired	-	-	1,582	-
Feb 27, 2024	wheeler simon	sold (taxes)	-11,589	27.27	-425	evp, trupanion international
Feb 27, 2024	worra travis	sold (taxes)	-6,462	27.27	-237	general manager
Feb 27, 2024	worra travis	acquired	-	-	800	general manager

Which funds bought or sold TRUP recently?

View All Details

Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
Apr 23, 2024	Louisiana State Employees Retirement System	reduced	-1.12	-57,432	488,697	0.01%
Apr 23, 2024	FIFTH THIRD BANCORP	unchanged	-	-438	4,169	-%
Apr 23, 2024	DUNCKER STREETT & CO INC	unchanged	-	-29.00	276	-%
Apr 23, 2024	AMALGAMATED BANK	reduced	-26.77	-164,000	323,000	-%
Apr 22, 2024	RAYMOND JAMES & ASSOCIATES	added	5.2	-26,460	524,368	-%
Apr 22, 2024	MetLife Investment Management, LLC	unchanged	-	47,424	626,370	-%
Apr 19, 2024	State of Alaska, Department of Revenue	reduced	-0.98	-70,000	600,000	0.01%
Apr 19, 2024	LAKE STREET PRIVATE WEALTH, LLC	unchanged	-	-30,719	292,473	0.04%
Apr 19, 2024	Maryland State Retirement & Pension System	reduced	-1.76	-122,265	277,569	0.01%
Apr 19, 2024	CHECK CAPITAL MANAGEMENT INC/CA	added	34.81	161,082	893,322	0.03%

Are Funds Buying or Selling TRUP?

Are funds buying TRUP calls or puts?

Calls

Puts

No. of funds holding Calls - Puts

Net Call Options

No. of funds that own TRUP

No. of Funds

Unveiling Trupanion Inc's Major ShareHolders

Date Filed	Name of Filer	Percent of Class	No. of Shares	Form Type
Apr 05, 2024	nielsen ole	6.9%	2,904,432	SC 13G/A
Feb 13, 2024	vanguard group inc	8.76%	3,641,306	SC 13G/A
Feb 09, 2024	capital world investors	9.7%	4,020,416	SC 13G/A
Feb 08, 2024	wellington management group llp	5.91%	2,453,685	SC 13G
Jan 23, 2024	blackrock inc.	14.3%	5,943,565	SC 13G/A
Nov 24, 2023	nielsen ole	5.6%	2,342,286	SC 13G
Sep 21, 2023	tarmac dltfm ltd	5.1%	2,106,029	SC 13G
Jun 08, 2023	nine ten capital management llc	0%	0	SC 13G/A
Feb 13, 2023	capital world investors	9.8%	4,018,881	SC 13G/A
Feb 10, 2023	nine ten capital management llc	9.2%	3,743,517	SC 13G/A

Recent SEC filings of Trupanion Inc

View All Filings

Date Filed	Form Type	Document
Apr 05, 2024	SC 13G/A	Major Ownership Report
Apr 04, 2024	8-K	Current Report
Apr 03, 2024	4	Insider Trading
Apr 03, 2024	4	Insider Trading
Apr 03, 2024	4	Insider Trading
Apr 03, 2024	4	Insider Trading
Apr 03, 2024	4	Insider Trading
Apr 03, 2024	4	Insider Trading
Apr 03, 2024	4	Insider Trading
Feb 29, 2024	4	Insider Trading

Peers (Alternatives to Trupanion Inc)

Name	Mkt Capsorted ascending	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
LARGE-CAP
ARGO	1.0T	1.3B	-3.06%	3133.49%	-4.8K	761.86	-10.27%	-34.69%
AJG	51.3B	10.1B	-3.50%	14.70%	52.91	5.1	17.79%	-12.97%
AIG	51.1B	46.8B	-1.87%	44.64%	14.02	1.09	-14.05%	-64.38%
TRV	48.9B	42.9B	-4.52%	19.64%	15.57	1.14	13.52%	12.15%
AFL	48.6B	18.7B	-0.51%	26.71%	10.44	2.6	-2.30%	5.45%
ACGL	34.9B	13.6B	3.42%	29.33%	7.85	2.56	41.83%	201.02%
AFG	10.8B	7.8B	-1.14%	7.71%	12.73	1.39	11.18%	-5.12%
MID-CAP
UNM	10.0B	12.4B	-0.67%	27.01%	7.75	0.8	3.35%	-8.77%
AIZ	9.2B	11.1B	-1.85%	50.47%	14.32	0.83	9.21%	132.28%
LNC	4.9B	11.6B	-2.51%	35.58%	-6.46	0.42	-38.09%	-155.38%
AEL	4.4B	2.8B	0.20%	50.67%	21.12	1.57	100.59%	-89.04%
SMALL-CAP
BRP	1.6B	1.2B	-4.27%	12.40%	-18.22	1.35	24.25%	-115.79%
AMSF	974.4M	306.9M	2.19%	-3.93%	15.69	3.18	4.11%	11.70%
AMBC	657.6M	269.0M	-3.43%	-7.17%	146.13	2.44	-46.68%	-99.14%
AAME	39.0M	186.8M	-30.94%	-16.16%	-227.89	0.21	-0.56%	-111.21%

Trupanion Inc News

Latest updates

Trupanion Inc Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)

(*) denotes actual numbers (not divided by Thousands)
Income Statement (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Revenue	3.5%	295,857,000	285,853,000	270,566,000	256,329,000	246,009,000	233,760,000	219,411,000	205,999,000	194,379,000	181,667,000	168,260,000	154,685,000	142,687,000	130,120,000	117,920,000	111,301,000	105,483,000	99,276,000	92,199,000	86,978,000	82,640,000
Cost Of Revenue	2.1%	255,793,000	250,620,000	241,193,000	229,983,000	212,360,000	203,701,000	190,828,000	176,105,000	163,844,000	153,501,000	143,715,000	133,585,000	119,094,000	109,531,000	98,053,000	93,449,000	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	20,589,000	19,867,000	17,852,000	17,734,000	17,445,000	14,713,000	15,032,000	14,205,000
Operating Expenses	2.2%	39,577,000	38,728,000	42,390,000	50,761,000	42,781,000	41,901,000	41,312,000	38,939,000	36,276,000	35,289,000	34,062,000	33,744,000	26,720,000	22,848,000	18,331,000	18,803,000	17,080,000	16,543,000	16,554,000	16,315,000	14,403,000
S&GA Expenses	-3.3%	17,189,000	17,772,000	20,769,000	21,642,000	22,457,000	22,434,000	22,982,000	21,627,000	19,845,000	19,708,000	19,390,000	19,704,000	14,809,000	13,344,000	9,242,000	10,442,000	9,212,000	9,255,000	8,757,000	8,227,000	6,994,000
EBITDA Margin	34.8%	-0.02	-0.03	-0.04	-0.04	-0.03	-0.03	-0.03	-0.03	-0.03	-0.03	-0.03	-0.01	-	-	-	-	-	-	-	-	-
Interest Expenses	21.1%	3,697,000	3,053,000	2,940,000	2,387,000	1,587,000	1,408,000	1,193,000	79,000	7,000	-	3,000	2,000	337,000	324,000	341,000	379,000	375,000	340,000	317,000	317,000	311,000
Income Taxes	402.3%	130,000	-43,000	-238,000	-191,000	-15,000	496,000	19,000	-24,000	1,034,000	-312,000	-195,000	-217,000	44,000	26,000	17,000	26,000	157,000	18,000	-46,000	40,000	4,000
Earnings Before Taxes	50.2%	-2,033,000	-4,079,000	-13,952,000	-24,971,000	-9,300,000	-12,418,000	-13,599,000	-8,879,000	-6,008,000	-7,131,000	-9,416,000	-12,665,000	-3,458,000	-2,532,000	1,370,000	-1,107,000	793,000	800,000	-1,977,000	-1,256,000	-271,000
EBT Margin	17.8%	-0.04	-0.05	-0.06	-0.06	-0.05	-0.05	-0.04	-0.04	-0.05	-0.05	-0.05	-0.03	-	-	-	-	-	-	-	-	-
Net Income	46.4%	-2,163,000	-4,036,000	-13,714,000	-24,780,000	-9,285,000	-12,914,000	-13,618,000	-8,855,000	-7,042,000	-6,819,000	-9,221,000	-12,448,000	-3,502,000	-2,558,000	1,353,000	-1,133,000	636,000	782,000	-1,931,000	-1,296,000	-275,000
Net Income Margin	17.6%	-0.04	-0.05	-0.06	-0.06	-0.05	-0.05	-0.05	-0.04	-0.05	-0.05	-0.05	-0.03	-	-	-	-	-	-	-	-	-
Free Cashflow	93.2%	13,537,000	7,007,000	-8,140,000	-12,046,000	-4,459,000	-6,430,000	-7,056,000	-7,143,000	1,338,000	3,457,000	-5,074,000	-4,618,000	-	-	-	-	-	-	-	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet																					(In Millions)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Assets	1.4%	783	772	730	718	672	648	635	635	563	551	532	514	498	317	290	273	257	243	230	221	208
Current Assets	0.2%	562	561	521	510	469	422	463	463	391	391	370	352	337	218	192	175	159	151	140	131	118
Cash Equivalents	-1.9%	148	150	118	127	66.00	99.00	115	136	101	116	124	139	146	37.00	31.00	29.00	31.00	26.00	29.00	28.00	28.00
Net PPE	2.9%	104	101	98.00	94.00	91.00	87.00	83.00	80.00	78.00	75.00	74.00	74.00	73.00	71.00	71.00	71.00	70.00	70.00	69.00	69.00	70.00
Goodwill	4.1%	44.00	42.00	44.00	43.00	42.00	30.00	29.00	32.00	33.00	33.00	33.00	33.00	33.00	-	-	-	-	-	-	-	-
Liabilities	-0.7%	479	483	441	423	366	342	320	306	230	219	198	178	158	173	148	136	120	110	99.00	91.00	78.00
Current Liabilities	-0.9%	344	348	331	312	290	281	260	246	224	211	190	170	150	140	118	104	92.00	86.00	78.00	71.00	63.00
Long Term Debt	410.3%	128	25.00	103	103	68.00	54.00	54.00	54.00	-	-	-	-	-	30.00	27.00	30.00	26.00	22.00	19.00	18.00	13.00
LT Debt, Current	0%	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	-	-	-	-	-	-	-	-	-	-	-	-	-
LT Debt, Non Current	-100.0%	-	128	103	103	68.00	54.00	54.00	54.00	-	-	-	-	-	30.00	27.00	30.00	26.00	22.00	19.00	18.00	13.00
Shareholder's Equity	4.9%	304	289	289	295	305	306	315	329	332	332	334	336	340	144	142	137	137	133	131	130	129
Retained Earnings	-1.0%	-216	-214	-210	-196	-171	-162	-149	-135	-126	-119	-113	-103	-91.36	-87.86	-85.30	-86.65	-85.52	-86.16	-86.94	-85.01	-83.71
Additional Paid-In Capital	1.7%	536	527	519	512	500	491	482	473	467	460	454	447	439	243	238	235	233	230	229	226	220
Shares Outstanding	0.6%	42.00	42.00	41.00	41.00	41.00	41.00	41.00	41.00	40.00	40.00	40.00	40.00	-	-	-	-	-	-	-	-	-
Float	-	-	-	623	-	-	-	1,870	-	-	-	3,595	-	-	-	1,416	-	-	-	1,175	-	-

Cashflow (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Cashflow (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Cashflow From Operations	53.6%	17,507	11,398	-3,405	-6,862	1,019	-2,299	-3,130	-3,590	5,156	6,224	-2,187	-1,735	3,964	9,806	4,850	2,924	4,532	4,744	2,922	3,959	3,664
Share Based Compensation	5.9%	7,301	6,892	6,637	12,331	8,567	8,643	8,634	7,549	6,808	6,443	6,527	8,448	2,602	2,430	2,227	1,653	1,771	1,845	1,873	1,357	1,222
Cashflow From Investing	-428.9%	-17,447	-3,299	-5,529	33,914	-30,552	-11,827	-10,886	-14,251	-20,106	-13,171	-14,034	-4,602	-58,168	-9,701	-912	-7,966	-5,217	-9,210	-4,079	-9,502	-16,622
Cashflow From Financing	-97.7%	569	24,840	-93.00	33,810	14,682	-710	-5,994	52,765	-451	-281	250	-643	163,573	4,892	-1,521	3,904	4,670	2,243	1,738	5,393	5,552
Buy Backs	-	-	-	-	-	-	4.00	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

TRUP Income Statement

2023-12-31

Consolidated Statement of Operations - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Income Statement [Abstract]
Revenue	$ 1,108,605	$ 905,179	$ 698,991
Veterinary invoice expense	831,055	649,737	486,062
Other cost of revenue	146,534	133,257	108,583
Total cost of revenue	977,589	782,994	594,645
Technology and development	21,403	25,133	16,866
General and administrative	60,207	39,379	31,893
New pet acquisition expense	77,372	89,500	78,647
Depreciation and amortization	12,474	10,921	11,965
Total operating expenses	171,456	164,933	139,371
Gain (loss) from investment in joint venture	(219)	(253)	(171)
Operating loss	(40,659)	(43,001)	(35,196)
Interest expense	12,077	4,267	10
Other expense (income), net	(7,701)	(3,072)	14
Loss before income taxes	(45,035)	(44,196)	(35,220)
Income tax expense (benefit)	(342)	476	310
Net loss	$ (44,693)	$ (44,672)	$ (35,530)
Earnings Per Share, Basic	$ (1.08)	$ (1.10)	$ (0.89)
Earnings Per Share, Diluted	$ (1.08)	$ (1.10)	$ (0.89)
Weighted Average Number of Shares Outstanding, Basic	41,436,882	40,765,355	40,137,505
Weighted Average Number of Shares Outstanding, Diluted	41,436,882	40,765,355	40,137,505

TRUP Balance Sheet

2023-12-31

Consolidated Balance Sheet - USD ($)	Dec. 31, 2023	Dec. 31, 2022
Assets [Abstract]
Cash and cash equivalents	$ 147,501,000	$ 65,605,000
Short-term investments	129,667,000	156,804,000
Accounts and other receivables	267,899,000	232,439,000
Prepaid expenses and other assets	17,022,000	14,248,000
Total current assets	562,089,000	469,096,000
Restricted cash	22,963,000	19,032,000
Long-term investments	12,866,000	7,841,000
Property, equipment, and internal-use software, net	103,650,000	90,701,000
Intangible assets, net	18,745,000	24,031,000
Other long-term assets	18,922,000	18,943,000
Goodwill	43,713,000	41,983,000
Total assets	782,948,000	671,627,000
Liabilities and Equity [Abstract]
Accounts payable	10,505,000	9,471,000
Accrued liabilities and other current liabilities	34,052,000	32,616,000
Reserve for veterinary invoices	63,238,000	43,734,000
Deferred revenue	235,329,000	202,692,000
Long-Term Debt, Current Maturities	1,350,000	1,103,000
Total current liabilities	344,474,000	289,616,000
Long-Term Debt	127,580,000	68,354,000
Deferred tax liabilities	2,685,000	3,392,000
Other liabilities	4,487,000	4,968,000
Total liabilities	479,226,000	366,330,000
Common stock: $0.00001 par value per share	0	0
Preferred stock: $0.00001 par value per share	0	0
Additional paid-in capital	536,108,000	499,694,000
Accumulated other comprehensive income (loss)	403,000	(6,301,000)
Accumulated deficit	(216,255,000)	(171,562,000)
Treasury stock, at cost	(16,534,000)	(16,534,000)
Total stockholders' equity	303,722,000	305,297,000
Total liabilities and stockholders’ equity	$ 782,948,000	$ 671,627,000
Common Stock, Par or Stated Value Per Share	$ 0.00001	$ 0.00001
Common Stock, Shares Authorized	100,000,000	100,000,000
Preferred Stock, Shares Issued	0	0
Preferred Stock, Shares Authorized	10,000,000	10,000,000
Preferred Stock, Par or Stated Value Per Share	$ 0.00001	$ 0.00001

About Trupanion Inc

Trupanion, Inc., together with its subsidiaries, provides medical insurance for cats and dogs on a monthly subscription basis in the United States, Canada, Puerto Rico, and Australia. The company operates in two segments, Subscription Business and Other Business. It serves pet owners and veterinarians. The company was formerly known as Vetinsurance International, Inc. changed its name to Trupanion, Inc. in 2013. The company was founded in 2000 and is headquartered in Seattle, Washington.

CEO	Mr. Darryl Graham Andrew Rawlings
WEBSITE	trupanion.com
INDUSTRY	Insurance Property & Casualty
EMPLOYEES	1187

Trupanion Inc Frequently Asked Questions

What is the ticker symbol for Trupanion Inc? What does TRUP stand for in stocks?

TRUP is the stock ticker symbol of Trupanion Inc. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of Trupanion Inc (TRUP)?

As of Tue Apr 23 2024, market cap of Trupanion Inc is 951.29 Million. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of TRUP stock?

You can check TRUP's fair value in chart for subscribers.

What is the fair value of TRUP stock?

You can check TRUP's fair value in chart for subscribers. The fair value of Trupanion Inc is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of Trupanion Inc is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for TRUP so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is Trupanion Inc a good stock to buy?

The fair value guage provides a quick view whether TRUP is over valued or under valued. Whether Trupanion Inc is cheap or expensive depends on the assumptions which impact Trupanion Inc's fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for TRUP.

What is Trupanion Inc's Price to Earnings (PE) and Price to sales (PS) ratio?

As of Tue Apr 23 2024, TRUP's PE ratio (Price to Earnings) is -21.28 and Price to Sales (PS) ratio is 0.86. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. TRUP PE ratio will change depending on the future growth rate expectations of investors.