TRUP - Trupanion Inc Stock Price, Fair Value and News

23.05USD-2.50 (-9.78%)Market Closed

Market Summary

USD23.05-2.50

Market Closed

-9.78%

TRUP Alerts

Big jump in Earnings (Y/Y)

Losses in recent quarter

TRUP Stock Price

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TRUP RSI Chart

TRUP Valuation

Market Cap

1.1B

Price/Earnings (Trailing)

-40.11

Price/Sales (Trailing)

0.93

EV/EBITDA

-1.7K

Price/Free Cashflow

91.19

TRUP Price/Sales (Trailing)

TRUP Profitability

Operating Margin

12.16%

EBT Margin

-2.33%

Return on Equity

-8.82%

Return on Assets

-3.39%

Free Cashflow Yield

1.1%

TRUP Fundamentals

TRUP Revenue

Revenue (TTM)

1.2B

Rev. Growth (Yr)

19.43%

Rev. Growth (Qtr)

3.47%

TRUP Earnings

Earnings (TTM)

-26.8M

Earnings Growth (Yr)

72.35%

Earnings Growth (Qtr)

-216.78%

Breaking Down TRUP Revenue

52 Week Range

25.01

(Low)(High)

Last 7 days

13.6%

Last 30 days

-2.0%

Last 90 days

-9.6%

Trailing 12 Months

0.1%

How does TRUP drawdown profile look like?

TRUP Financial Health

Current Ratio

1.62

Debt/Equity

0.42

Debt/Cashflow

0.22

TRUP Investor Care

Shares Dilution (1Y)

1.93%

Diluted EPS (TTM)

-0.64

Historical Charts for Stock Metrics

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

Net sales

Year	Q1	Q2	Q3	Q4
2024	1.2B	0	0	0
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

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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
May 06, 2024	Quantbot Technologies LP	reduced	-39.08	-693,425	851,907	0.05%
May 06, 2024	TEXAS PERMANENT SCHOOL FUND CORP	added	1.83	-73,564	863,337	0.01%
May 06, 2024	Advisory Services Network, LLC	sold off	-100	-106,785	-	-%
May 06, 2024	SG Americas Securities, LLC	added	45.02	180,000	754,000	-%
May 06, 2024	FLOSSBACH VON STORCH AG	unchanged	-	-8,352,000	79,516,800	0.35%
May 06, 2024	VitalStone Financial, LLC	added	14.29	-	-	-%
May 03, 2024	VICTORY CAPITAL MANAGEMENT INC	sold off	-100	-211,129	-	-%
May 03, 2024	Smartleaf Asset Management LLC	new	-	459	459	-%
May 03, 2024	Evolution Advisers, Inc.	sold off	-100	-2,000	-	-%
May 03, 2024	GSA CAPITAL PARTNERS LLP	added	376	1,697,000	2,210,000	0.18%

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
May 07, 2024	144	Notice of Insider Sale Intent
May 06, 2024	3	Insider Trading
May 03, 2024	10-Q	Quarterly Report
May 02, 2024	8-K	Current Report
Apr 26, 2024	ARS	ARS
Apr 26, 2024	DEF 14A	DEF 14A
Apr 26, 2024	DEFA14A	DEFA14A
Apr 05, 2024	SC 13G/A	Major Ownership Report
Apr 04, 2024	8-K	Current Report
Apr 03, 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	1.04%	3195.96%	-4.9K	773.83	-10.27%	-34.69%
AJG	53.6B	10.6B	0.45%	13.83%	49.04	5.04	20.42%	-6.05%
AIG	53.3B	48.4B	3.31%	49.36%	11.03	1.1	-4.15%	-20.63%
TRV	49.7B	42.9B	-6.01%	18.86%	15.83	1.16	13.52%	12.15%
AFL	48.1B	19.3B	-0.90%	25.15%	8.99	2.49	3.03%	17.35%
ACGL	36.7B	13.6B	3.49%	28.99%	8.27	2.7	41.83%	201.02%
AFG	10.8B	8.0B	-2.57%	11.52%	12.28	1.36	11.14%	7.56%
MID-CAP
UNM	9.9B	12.6B	-2.35%	17.17%	7.52	0.79	4.24%	-13.40%
AIZ	9.3B	11.1B	-0.68%	35.68%	14.45	0.83	9.21%	132.28%
LNC	5.0B	11.9B	-5.21%	37.41%	3.67	0.41	-33.27%	234.43%
AEL	4.5B	2.8B	-0.20%	45.14%	21.34	1.58	100.59%	-89.04%
SMALL-CAP
BRP	1.7B	1.3B	0.25%	17.87%	-31.85	1.37	18.74%	30.90%
AMSF	911.0M	308.9M	0.21%	-15.21%	14.77	2.95	3.79%	10.94%
AMBC	815.9M	314.0M	13.99%	19.72%	14.19	2.6	-29.20%	-88.19%
AAME	35.9M	186.8M	-18.72%	-19.82%	-209.99	0.19	-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	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Revenue	3.5%	306,121,000	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
Cost Of Revenue	5.5%	269,894,000	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
Operating Expenses	6.8%	42,261,000	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
S&GA Expenses	-2.0%	16,843,000	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
EBITDA Margin	97.1%	0.00	-0.02	-0.03	-0.04	-0.04	-0.03	-0.03	-0.03	-0.03	-0.03	-0.03	-	-	-	-	-	-	-	-	-	-
Interest Expenses	-2.7%	3,596,000	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
Income Taxes	-129.2%	-38,000	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
Earnings Before Taxes	-238.9%	-6,890,000	-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
EBT Margin	42.7%	-0.02	-0.04	-0.05	-0.06	-0.06	-0.05	-0.05	-0.04	-0.04	-0.05	-0.05	-	-	-	-	-	-	-	-	-	-
Net Income	-216.8%	-6,852,000	-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
Net Income Margin	42.7%	-0.02	-0.04	-0.05	-0.06	-0.06	-0.05	-0.05	-0.05	-0.04	-0.05	-0.05	-	-	-	-	-	-	-	-	-	-
Free Cashflow	-104.7%	-631,000	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	-	-	-	-	-	-	-	-	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet																					(In Millions)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Assets	0.8%	789	783	772	730	718	672	648	635	635	563	551	532	514	498	317	290	273	257	243	230	221
Current Assets	1.5%	571	562	561	521	510	469	422	463	463	391	391	370	352	337	218	192	175	159	151	140	131
Cash Equivalents	15.0%	170	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
Net PPE	0.7%	104	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
Goodwill	-1.7%	43.00	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	1.4%	486	479	483	441	423	366	342	320	306	230	219	198	178	158	173	148	136	120	110	99.00	91.00
Current Liabilities	2.1%	352	344	348	331	312	290	281	260	246	224	211	190	170	150	140	118	104	92.00	86.00	78.00	71.00
Long Term Debt	-0.1%	127	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
LT Debt, Current	0%	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	-	-	-	-	-	-	-	-	-	-	-	-
LT Debt, Non Current	-	-	-	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
Shareholder's Equity	-0.1%	303	304	289	289	295	305	306	315	329	332	332	334	336	340	144	142	137	137	133	131	130
Retained Earnings	-3.2%	-223	-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
Additional Paid-In Capital	1.6%	545	536	527	519	512	500	491	482	473	467	460	454	447	439	243	238	235	233	230	229	226
Shares Outstanding	0.3%	42.00	42.00	42.00	41.00	41.00	41.00	41.00	41.00	41.00	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	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Cashflow From Operations	-86.1%	2,434	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
Share Based Compensation	11.7%	8,152	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
Cashflow From Investing	84.3%	-2,737	-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
Cashflow From Financing	-150.3%	-286	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
Buy Backs	-	-	-	-	-	-	-	4.00	-	-	-	-	-	-	-	-	-	-	-	-	-	-

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TRUP Income Statement

2024-03-31

Consolidated Statement of Operations - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Income Statement [Abstract]
Revenues	$ 306,121	$ 256,329
Claims Expense	233,569	194,137
Other Cost of Services Sold	36,325	35,846
Cost of Revenue	269,894	229,983
Technology and Development Expense	6,960	4,900
General and Administrative Expense	14,673	21,017
Selling and Marketing Expense	16,843	21,642
Depreciation, Depletion and Amortization	3,785	3,202
Operating Expenses	42,261	50,761
Income (Loss) from Equity Method Investments	(103)	(71)
Operating Income (Loss), Total	(6,137)	(24,486)
Interest Expense	3,596	2,387
Other Nonoperating Income (Expense)	(2,843)	(1,902)
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest	(6,890)	(24,971)
Income Tax Expense (Benefit)	(38)	(191)
Net Income (Loss) Available to Common Stockholders, Basic, Total	$ (6,852)	$ (24,780)
Earnings Per Share, Basic and Diluted [Abstract]
Earnings Per Share, Basic	$ (0.16)	$ (0.60)
Earnings Per Share, Diluted	$ (0.16)	$ (0.60)
Weighted Average Number of Shares Outstanding, Basic	41,917,094	41,107,889
Weighted Average Number of Shares Outstanding, Diluted	41,917,094	41,107,889

TRUP Balance Sheet

2024-03-31

Consolidated Balance Sheet - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Assets [Abstract]
Cash and Cash Equivalents, at Carrying Value	$ 146,455	$ 147,501
Short-term Investments	128,734	129,667
Accounts and Other Receivables, Net, Current	278,492	267,899
Prepaid Expense and Other Assets	17,084	17,022
Assets, Current, Total	570,765	562,089
Restricted Cash and Cash Equivalents	23,106	22,963
Marketable Securities, Noncurrent	13,007	12,866
Property, Plant and Equipment, Net	104,365	103,650
Intangible Assets, Net (Excluding Goodwill)	17,221	18,745
Other Assets, Noncurrent	18,013	18,922
Goodwill	42,983	43,713
Assets, Total	789,460	782,948
Liabilities and Equity [Abstract]
Accounts Payable, Current	8,348	10,505
Accrued Liabilities, Current	30,473	34,052
Liability for Claims and Claims Adjustment Expense	62,275	63,238
Deferred Revenue	249,135	235,329
Long-term Debt, Current Maturities	1,350	1,350
Liabilities, Current, Total	351,581	344,474
Long-term Debt, Excluding Current Maturities	127,482	127,580
Deferred Income Tax Liabilities, Net	2,399	2,685
Other Liabilities, Noncurrent	4,627	4,487
Liabilities, Total	486,089	479,226
Common Stock, Value, Outstanding	0	0
Preferred Stock, Value, Outstanding	0	0
Additional Paid in Capital	544,593	536,108
Accumulated Other Comprehensive Income (Loss), Net of Tax	(1,581)	403
Retained Earnings (Accumulated Deficit)	(223,107)	(216,255)
Treasury Stock, Value	(16,534)	(16,534)
Stockholders' Equity Attributable to Parent	303,371	303,722
Liabilities and Equity	$ 789,460	$ 782,948

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 May 07 2024, market cap of Trupanion Inc is 1.07 Billion. 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 May 07 2024, TRUP's PE ratio (Price to Earnings) is -40.11 and Price to Sales (PS) ratio is 0.93. 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.