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Trupanion, Inc. - Common Stock (TRUP)

NASDAQ Small Cap

Financial Services › Hospital & Medical Service Plans

$25.65
Market Cap: $1.1B
Data as of Sep 30, 2025 (TTM)

Price History

Feb 9, 2026 — Apr 4, 2026

Investment Snapshot

  • Trading 207% above Graham Number — above intrinsic value estimate
  • Piotroski F-Score 5/9 — moderate financial health
  • ROE of 4.0% — below-average profitability
  • Revenue growing at 12% annually

Trupanion, Inc. - Common Stock (TRUP) is a Financial Services company operating in Hospital & Medical Service Plans, listed on the NASDAQ , with a market capitalisation of $1.1 billion . Key value metrics: P/E ratio 73.2, P/B ratio 2.90, Piotroski F-Score 5 out of 9 (moderate financial health) .

Value Score

Key Metrics

P/E Ratio
73.15
2.90
EPS
$0.35
Div. Yield
PEG Ratio
P/S Ratio
EV/EBITDA
ROE
ROA
Gross Margin
Op. Margin
Net Margin
Debt/Equity
Current Ratio

Current vs 5-Year Average

Based on 5 years of SEC filings
Net Margin
↑ +2.1pp avg —
Gross Margin
↑ +2.1pp avg —
Operating Margin
↑ +2.1pp avg —
Return on Equity
↑ +2.1pp avg —
Debt / Equity
↑ +2.1pp avg —

Revenue & Net Income

EPS & Free Cash Flow Per Share

Financial Statements

Metric FY22 FY23 FY24
Revenue $X.XB $X.XB $X.XB
Gross Profit $X.XB $X.XB $X.XB
Operating Income $X.XB $X.XB $X.XB
Net Income $X.XB $X.XB $X.XB
EBITDA $X.XB $X.XB $X.XB
Total Assets $X.XB $X.XB $X.XB
Total Liabilities $X.XB $X.XB $X.XB
Data sourced from SEC EDGAR and Polygon.io. Methodology. View more Financial Services stocks →

Trupanion, Inc. - Common Stock — Fundamental Analysis Summary

Trupanion, Inc. - Common Stock (TRUP) is currently trading 207% above its Graham Number of $8.35, suggesting the market price exceeds Benjamin Graham's intrinsic value estimate. The stock carries an elevated trailing P/E ratio of 73.2x.

On financial health, TRUP shows a moderate Piotroski F-Score of 5/9, and modest return on equity of 4.0% (sector average: 5.8%), and minimal leverage with a debt-to-equity ratio of 0.27.

StockPik's composite Value Score for TRUP is 78/100 — placing it in undervalued territory. The score is built from ten fundamental signals: P/E, P/B, PEG ratio, P/S ratio, return on equity, gross margin, debt-to-equity, current ratio, dividend yield, and Piotroski F-Score.

TRUP reports a thin gross margin of 15.5% (sector average: 9.2%) and a modest operating margin of 0.6%.

TRUP shows revenue growing at 12% year-over-year, with earnings growing at 302%.

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How is the Value Score calculated?
Read our full methodology →
How is the Graham Number calculated?
Benjamin Graham's intrinsic value formula, worked examples, and how to use it →
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