TRUPANION INC (TRUP) Stock Fundamental Analysis
NASDAQ:TRUP - Nasdaq - US8982021060 - Common Stock - Currency: USD
Taking everything into account, TRUP scores 3 out of 10 in our fundamental rating. TRUP was compared to 144 industry peers in the Insurance industry. TRUP scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. TRUP is quite expensive at the moment. It does show a decent growth rate.
1. Profitability
1.1 Basic Checks
TRUP had negative earnings in the past year.
TRUP had a positive operating cash flow in the past year.
In the past 5 years TRUP always reported negative net income.
TRUP had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
With a Return On Assets value of -1.65%, TRUP is not doing good in the industry: 87.32% of the companies in the same industry are doing better.
TRUP has a Return On Equity of -4.20%. This is amonst the worse of the industry: TRUP underperforms 80.28% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -1.65% | ||
| ROE | -4.2% | ||
| ROIC | N/A |
ROA(3y)-6.22%
ROA(5y)-4.11%
ROE(3y)-13.35%
ROE(5y)-8.61%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Gross Margin of TRUP (13.34%) is better than 86.62% of its industry peers.
In the last couple of years the Gross Margin of TRUP has declined.
The Profit Margin and Operating Margin are not available for TRUP so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 13.34% |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-10.19%
GM growth 5Y-6.91%
2. Health
2.1 Basic Checks
TRUP does not have a ROIC to compare to the WACC, probably because it is not profitable.
TRUP has more shares outstanding than it did 1 year ago.
The number of shares outstanding for TRUP has been increased compared to 5 years ago.
The debt/assets ratio for TRUP is higher compared to a year ago.
2.2 Solvency
An Altman-Z score of 3.76 indicates that TRUP is not in any danger for bankruptcy at the moment.
TRUP has a better Altman-Z score (3.76) than 97.18% of its industry peers.
TRUP has a debt to FCF ratio of 4.26. This is a neutral value as TRUP would need 4.26 years to pay back of all of its debts.
TRUP has a Debt to FCF ratio of 4.26. This is in the lower half of the industry: TRUP underperforms 63.38% of its industry peers.
A Debt/Equity ratio of 0.40 indicates that TRUP is not too dependend on debt financing.
TRUP's Debt to Equity ratio of 0.40 is on the low side compared to the rest of the industry. TRUP is outperformed by 61.27% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.4 | ||
| Debt/FCF | 4.26 | ||
| Altman-Z | 3.76 |
ROIC/WACCN/A
WACC9.16%
2.3 Liquidity
TRUP has a Current Ratio of 1.66. This is a normal value and indicates that TRUP is financially healthy and should not expect problems in meeting its short term obligations.
TRUP's Current ratio of 1.66 is amongst the best of the industry. TRUP outperforms 90.14% of its industry peers.
TRUP has a Quick Ratio of 1.66. This is a normal value and indicates that TRUP is financially healthy and should not expect problems in meeting its short term obligations.
With an excellent Quick ratio value of 1.66, TRUP belongs to the best of the industry, outperforming 90.14% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.66 | ||
| Quick Ratio | 1.66 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 74.60% over the past year.
The Revenue has grown by 17.51% in the past year. This is quite good.
The Revenue has been growing by 29.53% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)74.6%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%130%
Revenue 1Y (TTM)17.51%
Revenue growth 3Y30.22%
Revenue growth 5Y29.53%
Sales Q2Q%14.55%
3.2 Future
Based on estimates for the next years, TRUP will show a very strong growth in Earnings Per Share. The EPS will grow by 30.58% on average per year.
The Revenue is expected to grow by 6.69% on average over the next years.
EPS Next Y81.58%
EPS Next 2Y45.33%
EPS Next 3Y30.58%
EPS Next 5YN/A
Revenue Next Year16.36%
Revenue Next 2Y11.63%
Revenue Next 3Y9.18%
Revenue Next 5Y6.69%
3.3 Evolution
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings Ratio is negative for TRUP. In the last year negative earnings were reported.
A Price/Forward Earnings ratio of 373.42 indicates a quite expensive valuation of TRUP.
Based on the Price/Forward Earnings ratio, TRUP is valued expensively inside the industry as 80.99% of the companies are valued cheaper.
When comparing the Price/Forward Earnings ratio of TRUP to the average of the S&P500 Index (94.38), we can say TRUP is valued expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 373.42 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, TRUP is valued a bit more expensive than the industry average as 67.61% of the companies are valued more cheaply.
TRUP's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. TRUP is more expensive than 72.54% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 63.28 | ||
| EV/EBITDA | 250.24 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates TRUP does not grow enough to justify the current Price/Earnings ratio.
A more expensive valuation may be justified as TRUP's earnings are expected to grow with 30.58% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y45.33%
EPS Next 3Y30.58%
5. Dividend
5.1 Amount
TRUP does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
TRUPANION INC
NASDAQ:TRUP (2/11/2025, 8:00:01 PM)
After market: 45.73 +0.5 (+1.11%)45.23
-1.52 (-3.25%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners105.18%
Inst Owner Change-42.21%
Ins Owners5.19%
Ins Owner Change1.14%
Market Cap1.92B
Analysts80
Price Target58.14 (28.54%)
Short Float %24.41%
Short Ratio17.07
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)86.66%
Min EPS beat(2)25.3%
Max EPS beat(2)148.02%
EPS beat(4)4
Avg EPS beat(4)66.77%
Min EPS beat(4)21%
Max EPS beat(4)148.02%
EPS beat(8)7
Avg EPS beat(8)34.77%
EPS beat(12)8
Avg EPS beat(12)22.51%
EPS beat(16)9
Avg EPS beat(16)-21.62%
Revenue beat(2)0
Avg Revenue beat(2)-0.23%
Min Revenue beat(2)-0.23%
Max Revenue beat(2)-0.23%
Revenue beat(4)1
Avg Revenue beat(4)-0.13%
Min Revenue beat(4)-0.23%
Max Revenue beat(4)0.07%
Revenue beat(8)3
Avg Revenue beat(8)0.2%
Revenue beat(12)3
Avg Revenue beat(12)-0.05%
Revenue beat(16)6
Avg Revenue beat(16)0%
PT rev (1m)0.59%
PT rev (3m)19.58%
EPS NQ rev (1m)18.37%
EPS NQ rev (3m)1789.98%
EPS NY rev (1m)3.7%
EPS NY rev (3m)-295%
Revenue NQ rev (1m)0.21%
Revenue NQ rev (3m)2.54%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.85%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 373.42 | ||
| P/S | 1.54 | ||
| P/FCF | 63.28 | ||
| P/OCF | 45.5 | ||
| P/B | 5.98 | ||
| P/tB | 7.36 | ||
| EV/EBITDA | 250.24 |
EPS(TTM)-0.32
EYN/A
EPS(NY)0.12
Fwd EY0.27%
FCF(TTM)0.71
FCFY1.58%
OCF(TTM)0.99
OCFY2.2%
SpS29.39
BVpS7.56
TBVpS6.14
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -1.65% | ||
| ROE | -4.2% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 13.34% | ||
| FCFM | 2.43% |
ROA(3y)-6.22%
ROA(5y)-4.11%
ROE(3y)-13.35%
ROE(5y)-8.61%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-10.19%
GM growth 5Y-6.91%
F-Score7
Asset Turnover1.52
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.4 | ||
| Debt/FCF | 4.26 | ||
| Debt/EBITDA | 20.01 | ||
| Cap/Depr | 75.99% | ||
| Cap/Sales | 0.95% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | 660.28% | ||
| Profit Quality | N/A | ||
| Current Ratio | 1.66 | ||
| Quick Ratio | 1.66 | ||
| Altman-Z | 3.76 |
F-Score7
WACC9.16%
ROIC/WACCN/A
Cap/Depr(3y)135.44%
Cap/Depr(5y)121.41%
Cap/Sales(3y)1.77%
Cap/Sales(5y)1.64%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)74.6%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%130%
EPS Next Y81.58%
EPS Next 2Y45.33%
EPS Next 3Y30.58%
EPS Next 5YN/A
Revenue 1Y (TTM)17.51%
Revenue growth 3Y30.22%
Revenue growth 5Y29.53%
Sales Q2Q%14.55%
Revenue Next Year16.36%
Revenue Next 2Y11.63%
Revenue Next 3Y9.18%
Revenue Next 5Y6.69%
EBIT growth 1Y81.65%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year189.53%
EBIT Next 3Y52.21%
EBIT Next 5Y30%
FCF growth 1Y256.9%
FCF growth 3Y-70.6%
FCF growth 5YN/A
OCF growth 1Y1190.49%
OCF growth 3Y-4.71%
OCF growth 5Y8.01%