TRUP Valuation

Trupanion Inc

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46.630

-1.1(-2.305%)1D

Overview
Forecast
Valuation
Earnings

TRUP Relative Valuation

TRUP's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, TRUP is overvalued; if below, it's undervalued.

Historical Valuation

Trupanion Inc (TRUP) is now in the Fair zone, suggesting that its current forward PS ratio of 1.38 is considered Fairly compared with the five-year average of -226.97. The fair price of Trupanion Inc (TRUP) is between 31.58 to 132.75 according to relative valuation methord.

Relative Value

Fair Zone

31.58-132.75

Current Price：46.63

Fair

209.07

Trailing

Forward

34.52

EV/EBITDA

Trupanion Inc. (TRUP) has a current EV/EBITDA of 34.52. The 5-year average EV/EBITDA is 95.95. The thresholds are as follows: Strongly Undervalued below -962.27, Undervalued between -962.27 and -433.16, Fairly Valued between 625.06 and -433.16, Overvalued between 625.06 and 1154.17, and Strongly Overvalued above 1154.17. The current Forward EV/EBITDA of 34.52 falls within the Historic Trend Line -Fairly Valued range.

373.31

EV/EBIT

Trupanion Inc. (TRUP) has a current EV/EBIT of 373.31. The 5-year average EV/EBIT is -298.49. The thresholds are as follows: Strongly Undervalued below -2531.27, Undervalued between -2531.27 and -1414.88, Fairly Valued between 817.90 and -1414.88, Overvalued between 817.90 and 1934.29, and Strongly Overvalued above 1934.29. The current Forward EV/EBIT of 373.31 falls within the Historic Trend Line -Fairly Valued range.

1.38

Trupanion Inc. (TRUP) has a current PS of 1.38. The 5-year average PS is 2.71. The thresholds are as follows: Strongly Undervalued below -1.04, Undervalued between -1.04 and 0.83, Fairly Valued between 4.59 and 0.83, Overvalued between 4.59 and 6.47, and Strongly Overvalued above 6.47. The current Forward PS of 1.38 falls within the Historic Trend Line -Fairly Valued range.

0.00

P/OCF

Trupanion Inc. (TRUP) has a current P/OCF of 0.00. The 5-year average P/OCF is 140.92. The thresholds are as follows: Strongly Undervalued below -496.30, Undervalued between -496.30 and -177.69, Fairly Valued between 459.53 and -177.69, Overvalued between 459.53 and 778.14, and Strongly Overvalued above 778.14. The current Forward P/OCF of 0.00 falls within the Historic Trend Line -Fairly Valued range.

0.00

P/FCF

Trupanion Inc. (TRUP) has a current P/FCF of 0.00. The 5-year average P/FCF is 55.21. The thresholds are as follows: Strongly Undervalued below -641.62, Undervalued between -641.62 and -293.21, Fairly Valued between 403.62 and -293.21, Overvalued between 403.62 and 752.04, and Strongly Overvalued above 752.04. The current Forward P/FCF of 0.00 falls within the Historic Trend Line -Fairly Valued range.

Trupanion Inc (TRUP) has a current Price-to-Book (P/B) ratio of 5.77. Compared to its 3-year average P/B ratio of 5.34 , the current P/B ratio is approximately 8.01% higher. Relative to its 5-year average P/B ratio of 8.41, the current P/B ratio is about -31.37% higher. Trupanion Inc (TRUP) has a Forward Free Cash Flow (FCF) yield of approximately 2.99%. Compared to its 3-year average FCF yield of 0.06%, the current FCF yield is approximately 4844.61% lower. Relative to its 5-year average FCF yield of 0.06% , the current FCF yield is about 4779.70% lower.

5.77

P/B

Median3y

5.34

Median5y

8.41

2.99

FCF Yield

Median3y

0.06

Median5y

0.06

Competitors Valuation Multiple

The average P/S ratio for TRUP's competitors is 1.18, providing a benchmark for relative valuation. Trupanion Inc Corp (TRUP) exhibits a P/S ratio of 1.38, which is 17.46% above the industry average. Given its robust revenue growth of 12.31%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

Skyward Specialty Insurance Group Inc

Hamilton Insurance Group Ltd

Fidelis Insurance Holdings Ltd

Aspen Insurance Holdings Ltd

Bowhead Specialty Holdings Inc

1.63

34.41%

1.04B

Performance Decomposition

Market capitalization of TRUP increased by 1.97% over the past 1 year. The primary factor behind the change was an increase in P/E Change from 57.01 to 189.66.

The secondary factor is the Revenue Growth, contributed 12.31%to the performance.

Overall, the performance of TRUP in the past 1 year is driven by P/E Change. Which is more unsustainable.

12.31%

314.80M → 353.56M

Revenue Growth

-243.01%

-1.86 → 2.66

Margin Expansion

232.67%

57.01 → 189.66

P/E Change

1.97%