TRUP

Trupanion Inc

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Advanced Chart

49.810

+0.79(1.612%)1D

Overview
Forecast
Valuation
Earnings

Line

Candle

YTD

High

49.930

Open

49.470

VWAP

49.68

Vol

300.84K

Mkt Cap

2.13B

Low

48.750

Amount

14.95M

EV/EBITDA(TTM)

112.00

Total Shares

42.02M

1.94B

EV/OCF(TTM)

31.35

P/S(TTM)

1.60

Trupanion, Inc. is a medical insurance provider for cats and dogs throughout the United States, Canada, certain countries in Continental Europe, and Australia. The Company operates in two segments, namely, Subscription Business and Other Business. The Subscription Business segment includes subscription fees related to the Company's direct-to-consumer products. The Other Business segment comprises other product offerings that generally have a business-to-business relationship and a different margin profile than its subscription segment, including writing policies on behalf of third parties and other products and software solutions. It offers Trupanion, software that is designed to communicate directly with veterinary hospital's practice management software. It provides Powered by Trupanion pet insurance product offerings marketed by third parties and marketed under the brand names Furkin and PHI Direct in Canada, and a Trupanion branded product in Germany and Switzerland.

Market Estimates

Earnings Estimates

Revenue

YoY Chg

EPS

YoYChg

FY2025Q4

FY2025Q3

FY2025Q2

360.19M

+6.78%

354.42M

+8.23%

346.67M

+10.12%

Estimates Revision

The market is revising Upward the revenue expectations for Trupanion, Inc. (TRUP) for FY2025, with the revenue forecasts being adjusted by 1.17% over the past three months. During the same period, the stock price has changed by 32.47%.

Revenue Estimates for FY2025

Revise Upward

+1.17%

In Past 3 Month

Stock Price

Go Up

+32.47%

In Past 3 Month

6 Analyst Rating

9.07% Upside

Wall Street analysts forecast TRUP stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for TRUP is 54.33 USD with a low forecast of 41.00 USD and a high forecast of 62.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

4 Buy

2 Hold

0 Sell

Moderate Buy

9.07% Upside

Current: 49.810

Low

41.00

Averages

54.33

High

62.00

9.07% Upside

Current: 49.810

Low

41.00

Averages

54.33

High

62.00

Piper Sandler

John Barnidge

upgrade

$52 -> $62

2025-07-03

Reason

Piper Sandler

John Barnidge

Price Target

$52 -> $62

2025-07-03

upgrade

Reason

Piper Sandler analyst John Barnidge raised the firm's price target on Trupanion to $62 from $52 and keeps an Overweight rating on the shares. The firm notes the company experienced higher than expected level of enrolled pets in Q1, which indicates strong product adoption. Trupanion is seeing positive traction across the vet channel, which should help support future growth in enrolled pets, Piper adds.

Piper Sandler

John Barnidge

Buy

Maintains

$57 → $52

2025-02-20

Reason

Piper Sandler

John Barnidge

Price Target

$57 → $52

2025-02-20

Maintains

Buy

Reason

Piper Sandler lowered the firm's price target on Trupanion to $52 from $57 and keeps an Overweight rating on the shares. While Trupanion achieved 70% loss ratio and 15.3% adjusted operating margin for the company's subscription business in Q4, which is better than targeted levels, growth slowed and 2025 outlook suggested that while there has been a meaningful level of improvement in underwriting results that those rate increases are resulting in a slower than anticipated level of revenue growth as a result of slower growth in subscription enrolled pets, the firm says.

Stifel

Jonathan Block

Hold

Maintains

$44 → $41

2025-02-20

Reason

Stifel

Jonathan Block

Price Target

$44 → $41

2025-02-20

Maintains

Hold

Reason

Piper Sandler

John Barnidge

Hold

Buy

Upgrades

$57

2025-01-23

Reason

Piper Sandler

John Barnidge

Price Target

$57

2025-01-23

Upgrades

Hold

Buy

Reason

Stifel

Jonathan Block

Hold

Maintains

$42 → $44

2025-01-06

Reason

Stifel

Jonathan Block

Price Target

$42 → $44

2025-01-06

Maintains

Hold

Reason

Stifel raised the firm's price target on Trupanion to $44 from $42 and keeps a Hold rating on the shares. Risk-based capital requirements for the company increased modestly quarter-over-quarter following declines in Q1 and Q2 of 2024, the analyst tells investors.

Piper Sandler

John Barnidge

Hold

Maintains

$45 → $57

2024-10-31

Reason

Piper Sandler

John Barnidge

Price Target

$45 → $57

2024-10-31

Maintains

Hold

Reason

Piper Sandler analyst John Barnidge raised the firm's price target on Trupanion to $57 from $45 and keeps a Neutral rating on the shares following quarterly results. The firm notes Trupanion's stock price has meaningfully moved off the lows, which priced in ahead achieving 71% targeted loss ratio in Q3, which is a positive surprise. That said, persistency continues to fall while the subscription business saw continued growth deceleration with enrolled subscription pets only higher by 1.1% quarter-to-quarter.

See All Ratings

Valuation Metrics

The current forward P/E ratio for Trupanion Inc (TRUP.O) is -1423.14, compared to its 5-year average forward P/E of -262.44. For a more detailed relative valuation and DCF analysis to assess Trupanion Inc 's fair value, click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.

N/A

5Y Average PE

-262.44

Current PE

-1423.14

Overvalued PE

1250.48

Undervalued PE

-1775.36

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.

N/A

5Y Average EV/EBITDA

97.71

Current EV/EBITDA

36.39

Overvalued EV/EBITDA

626.59

Undervalued EV/EBITDA

-431.18

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.

Fair

5Y Average PS

2.75

Current PS

1.47

Overvalued PS

4.62

Undervalued PS

0.87