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Trupanion, Inc. TRUP

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33.14 USD +2.02 (+6.49%)

Nov 4, 2026, 10:56 AM EST

31.84 Day range 33.23
21.16 52-week range 46.98
YTD
-11.32%
1 year
-15.87%

Financial health

Altman Z-Score

3.41 Safe zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

8 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B3 / 5 overall

  • DCF 4
  • Return on Equity 2
  • Return on Assets 5
  • Debt / Equity 4
  • P/E 1
  • P/B 1

Valuation

P/E 83.0×
FY 2016: -64.7×FY 2017: -576×FY 2018: -878×FY 2019: -718×FY 2020: -748×FY 2021: -148×FY 2022: -43.2×FY 2023: -28.3×FY 2024: -210×FY 2025: 83.0×
FY 2016 5y median -43.2× FY 2025
P/S 1.1×
FY 2016: 2.4×FY 2017: 3.6×FY 2018: 2.7×FY 2019: 3.4×FY 2020: 8.6×FY 2021: 7.6×FY 2022: 2.1×FY 2023: 1.1×FY 2024: 1.6×FY 2025: 1.1×
FY 2016 5y median 1.6× FY 2025
P/B 4.2×
FY 2016: 9.9×FY 2017: 17.9×FY 2018: 6.3×FY 2019: 9.5×FY 2020: 12.6×FY 2021: 16.0×FY 2022: 6.3×FY 2023: 4.2×FY 2024: 6.3×FY 2025: 4.2×
FY 2016 5y median 6.3× FY 2025
P/FCF 21.3×
FY 2016: 144×FY 2017: 133×FY 2018: -17.2×FY 2019: 120×FY 2020: 305×FY 2021: -1082×FY 2022: -77.2×FY 2023: 3531×FY 2024: 52.7×FY 2025: 21.3×
FY 2016 5y median 21.3× FY 2025
EV/EBITDA 30.6×
FY 2016: -152×FY 2017: 300×FY 2018: 168×FY 2019: 242×FY 2020: 1524×FY 2021: -224×FY 2022: -66.9×FY 2023: -60.8×FY 2024: 93.8×FY 2025: 30.6×
FY 2016 5y median -60.8× FY 2025
EV/Sales 1.1×
FY 2016: 2.3×FY 2017: 3.5×FY 2018: 2.6×FY 2019: 3.4×FY 2020: 8.3×FY 2021: 7.5×FY 2022: 2.1×FY 2023: 1.1×FY 2024: 1.6×FY 2025: 1.1×
FY 2016 5y median 1.6× FY 2025
FCF Yield 4.7%
FY 2016: 0.7%FY 2017: 0.8%FY 2018: -5.8%FY 2019: 0.8%FY 2020: 0.3%FY 2021: -0.1%FY 2022: -1.3%FY 2023: 0.0%FY 2024: 1.9%FY 2025: 4.7%
FY 2016 5y median 0.0% FY 2025

Profitability

Gross Margin 28.5%
FY 2016: 17.7%FY 2017: 17.7%FY 2018: 16.9%FY 2019: 16.9%FY 2020: 16.3%FY 2021: 14.9%FY 2022: 13.5%FY 2023: 11.8%FY 2024: 13.9%FY 2025: 28.5%
FY 2016 5y median 13.9% FY 2025
Operating Margin 1.5%
FY 2016: -3.6%FY 2017: -1.1%FY 2018: -0.3%FY 2019: -0.5%FY 2020: -1.0%FY 2021: -5.0%FY 2022: -4.8%FY 2023: -3.7%FY 2024: -0.7%FY 2025: 1.5%
FY 2016 5y median -3.7% FY 2025
Net Margin 1.4%
FY 2016: -3.7%FY 2017: -0.6%FY 2018: -0.3%FY 2019: -0.5%FY 2020: -1.2%FY 2021: -5.1%FY 2022: -4.9%FY 2023: -4.0%FY 2024: -0.7%FY 2025: 1.4%
FY 2016 5y median -4.0% FY 2025
ROE 5.1%
FY 2016: -15.4%FY 2017: -3.1%FY 2018: -0.7%FY 2019: -1.3%FY 2020: -1.7%FY 2021: -10.7%FY 2022: -14.6%FY 2023: -14.7%FY 2024: -3.0%FY 2025: 5.1%
FY 2016 5y median -10.7% FY 2025
ROIC 3.8%
FY 2016: -13.0%FY 2017: -3.4%FY 2018: -0.7%FY 2019: -1.2%FY 2020: -1.4%FY 2021: -10.4%FY 2022: -11.2%FY 2023: -9.2%FY 2024: -2.1%FY 2025: 3.8%
FY 2016 5y median -9.2% FY 2025
ROA 2.1%
FY 2016: -8.4%FY 2017: -1.4%FY 2018: -0.4%FY 2019: -0.7%FY 2020: -1.2%FY 2021: -6.3%FY 2022: -6.7%FY 2023: -5.7%FY 2024: -1.2%FY 2025: 2.1%
FY 2016 5y median -5.7% FY 2025

Growth (YoY)

Revenue 11.9%
FY 2016: 28.1%FY 2017: 28.9%FY 2018: 25.3%FY 2019: 26.3%FY 2020: 30.8%FY 2021: 39.2%FY 2022: 29.5%FY 2023: 22.5%FY 2024: 16.0%FY 2025: 11.9%
FY 2016 FY 2025
Operating Income 331.2%
FY 2016: 60.1%FY 2017: 60.6%FY 2018: 60.4%FY 2019: -83.7%FY 2020: -156.6%FY 2021: -614.3%FY 2022: -22.2%FY 2023: 5.4%FY 2024: 76.6%FY 2025: 331.2%
FY 2016 FY 2025
EPS (diluted) 295.7%
FY 2016: 61.3%FY 2017: 78.8%FY 2018: 42.9%FY 2019: -80.0%FY 2020: -206.5%FY 2021: -456.3%FY 2022: -23.6%FY 2023: 1.8%FY 2024: 78.7%FY 2025: 295.7%
FY 2016 FY 2025
Free Cash Flow 95.4%
FY 2016: 120.0%FY 2017: 113.2%FY 2018: -822.5%FY 2019: 122.8%FY 2020: 30.7%FY 2021: -134.7%FY 2022: -412.3%FY 2023: 101.4%FY 2024: 10674.0%FY 2025: 95.4%
FY 2016 FY 2025

Financial Health

Current Ratio 1.1×
FY 2016: 2.1×FY 2017: 1.9×FY 2018: 1.9×FY 2019: 1.7×FY 2020: 2.2×FY 2021: 1.7×FY 2022: 1.6×FY 2023: 1.6×FY 2024: 1.7×FY 2025: 1.1×
FY 2016 5y median 1.6× FY 2025
Quick Ratio 1.1×
FY 2016: 2.1×FY 2017: 1.9×FY 2018: 1.9×FY 2019: 1.7×FY 2020: 2.2×FY 2021: 1.7×FY 2022: 1.6×FY 2023: 1.6×FY 2024: 1.7×FY 2025: 1.1×
FY 2016 5y median 1.6× FY 2025
Debt / Equity 0.3×
FY 2016: 0.1×FY 2017: 0.2×FY 2018: 0.1×FY 2019: 0.2×FY 2020: 0.0×FY 2021: 0.0×FY 2022: 0.2×FY 2023: 0.4×FY 2024: 0.4×FY 2025: 0.3×
FY 2016 5y median 0.3× FY 2025
Net Debt / EBITDA -0.5×
FY 2016: 6.8×FY 2017: -5.8×FY 2018: -2.9×FY 2019: -0.6×FY 2020: -51.3×FY 2021: 3.8×FY 2022: -0.1×FY 2023: 0.9×FY 2024: -1.5×FY 2025: -0.5×
FY 2016 5y median -0.1× FY 2025
Interest Coverage 1.6×
FY 2016: -30.7×FY 2017: -5.0×FY 2018: -0.9×FY 2019: -1.4×FY 2020: -3.6×FY 2021: -3520×FY 2022: -10.1×FY 2023: -3.4×FY 2024: -0.7×FY 2025: 1.6×
FY 2016 5y median -3.4× FY 2025

Dividends

Dividend Yield 0.0%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2016 5y median 0.0% FY 2025
Payout Ratio 0.0%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2016 5y median 0.0% FY 2025

Annual · latest fiscal year ends 2025-12-31