Trupanion, Inc., together with its subsidiaries, provides medical insurance for cats and dogs on monthly subscription basis in the United States, Canada, Puerto Rico, and Australia. More Details
Flawless balance sheet with limited growth.
Share Price & News
How has Trupanion's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: TRUP is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 9% a week.
Volatility Over Time: TRUP's weekly volatility (9%) has been stable over the past year.
7 Day Return
1 Year Return
Return vs Industry: TRUP exceeded the US Insurance industry which returned 61.1% over the past year.
Return vs Market: TRUP exceeded the US Market which returned 49.4% over the past year.
Long-Term Price Volatility Vs. Market
How volatile is Trupanion's share price compared to the market and industry in the last 5 years?
Simply Wall St News
1 month ago | Simply Wall StIntroducing Trupanion (NASDAQ:TRUP), The Stock That Soared 644% In The Last Five Years
2 months ago | Simply Wall StMargaret Tooth Is The Co-President of Trupanion, Inc. (NASDAQ:TRUP) And They Just Sold 39% Of Their Shares
3 months ago | Simply Wall StHave Insiders Been Selling Trupanion, Inc. (NASDAQ:TRUP) Shares This Year?
Is Trupanion undervalued compared to its fair value and its price relative to the market?
Price to Book (PB) ratio
Share Price vs. Fair Value
Below Fair Value: Insufficient data to calculate TRUP's fair value to establish if it is undervalued.
Significantly Below Fair Value: Insufficient data to calculate TRUP's fair value to establish if it is undervalued.
Price To Earnings Ratio
PE vs Industry: TRUP is unprofitable, so we can't compare its PE Ratio to the US Insurance industry average.
PE vs Market: TRUP is unprofitable, so we can't compare its PE Ratio to the US market.
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate TRUP's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: TRUP is overvalued based on its PB Ratio (8.9x) compared to the US Insurance industry average (1.1x).
How is Trupanion forecast to perform in the next 1 to 3 years based on estimates from 6 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: TRUP is forecast to remain unprofitable over the next 3 years.
Earnings vs Market: TRUP is forecast to remain unprofitable over the next 3 years.
High Growth Earnings: TRUP is forecast to remain unprofitable over the next 3 years.
Revenue vs Market: TRUP's revenue (21% per year) is forecast to grow faster than the US market (9% per year).
High Growth Revenue: TRUP's revenue (21% per year) is forecast to grow faster than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: Insufficient data to determine if TRUP's Return on Equity is forecast to be high in 3 years time
How has Trupanion performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: TRUP is currently unprofitable.
Growing Profit Margin: TRUP is currently unprofitable.
Past Earnings Growth Analysis
Earnings Trend: TRUP is unprofitable, but has reduced losses over the past 5 years at a rate of 19.5% per year.
Accelerating Growth: Unable to compare TRUP's earnings growth over the past year to its 5-year average as it is currently unprofitable
Earnings vs Industry: TRUP is unprofitable, making it difficult to compare its past year earnings growth to the Insurance industry (44.5%).
Return on Equity
High ROE: TRUP has a negative Return on Equity (-5.1%), as it is currently unprofitable.
How is Trupanion's financial position?
Financial Position Analysis
Short Term Liabilities: TRUP's short term assets ($352.0M) exceed its short term liabilities ($169.7M).
Long Term Liabilities: TRUP's short term assets ($352.0M) exceed its long term liabilities ($7.9M).
Debt to Equity History and Analysis
Debt Level: TRUP is debt free.
Reducing Debt: TRUP has no debt compared to 5 years ago when its debt to equity ratio was 2.2%.
Cash Runway Analysis
For companies that have on average been loss making in the past we assess whether they have at least 1 year of cash runway.
Stable Cash Runway: Whilst unprofitable TRUP has sufficient cash runway for more than 3 years if it maintains its current positive free cash flow level.
Forecast Cash Runway: TRUP is unprofitable but has sufficient cash runway for more than 3 years, due to free cash flow being positive and growing by 17.3% per year.
What is Trupanion current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Notable Dividend: Unable to evaluate TRUP's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate TRUP's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if TRUP's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if TRUP's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of TRUP's dividend in 3 years as they are not forecast to pay a notable one for the US market.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Darryl Graham Rawlings (51 yo)
Mr. Darryl Graham Andrew Rawlings Co-founded Trupanion, Inc. (also known as Vetinsurance International Inc) in 2000 and has been its Chief Executive Officer and Director since January 2001. Mr. Rawlings se...
CEO Compensation Analysis
Compensation vs Market: Darryl Graham's total compensation ($USD1.06M) is below average for companies of similar size in the US market ($USD5.40M).
Compensation vs Earnings: Darryl Graham's compensation has increased whilst the company is unprofitable.
Experienced Management: TRUP's management team is not considered experienced ( 1.3 years average tenure), which suggests a new team.
Experienced Board: TRUP's board of directors are considered experienced (8.3 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: TRUP insiders have sold more shares than they have bought in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 14.1%.
Trupanion, Inc.'s company bio, employee growth, exchange listings and data sources
- Name: Trupanion, Inc.
- Ticker: TRUP
- Exchange: NasdaqGM
- Founded: 2000
- Industry: Life and Health Insurance
- Sector: Insurance
- Market Cap: US$2.993b
- Shares outstanding: 40.06m
- Website: https://www.trupanion.com
Number of Employees
- Trupanion, Inc.
- 6100 4th Avenue South
- Suite 200
- United States
Trupanion, Inc., together with its subsidiaries, provides medical insurance for cats and dogs on monthly subscription basis in the United States, Canada, Puerto Rico, and Australia. The company operates th...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/05/13 04:47|
|End of Day Share Price||2021/05/12 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.