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Trupanion, Inc. (TRUP) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated today

Trupanion, Inc.

TRUPMarket cap $1.13BPrice $25.8

Country🇺🇸United States

SectorFinancials

IndustryInsurance

Sells monthly subscription insurance for cats and dogs, covering 90% of vet bills with no payout caps. Vets get paid directly in minutes through Trupanion's software — turning pet healthcare into a recurring revenue machine most insurers can't replicate.

In Bastion Portfolios?

52W Return-40%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+17%8

Revenue Forecast

Rev CAGR (1y)+10%6

Rev CAGR (3y)+9%6

Rev CAGR (5y)+11%8

Earnings Forecast

EPS Growth Y+1+767%10

EPS Growth Y+2+6%5

EPS Growth Y+3+8%6

Quality

Margins

EBIT Margin2%2

Net Income Margin2%2

Free Cash Flow Margin5%4

Debt

Net Debt/EBITDA-1.010

Efficiency

ROE6%3

ROA3%4

Earnings Stability44

GEAR+AVERAGE37

Overall rating across all five factors

Value

Price Multiples

P/E Ratio (Forward)118

P/E Ratio (Forward 3y)610

P/BV2.85

EV Multiples

EV/EBITDA Fwd128

EV/EBIT Fwd378

Yield

Free Cash Flow Yield0.0%2

Dividend Yieldna–

Momentum

Short term

1 month return+4%9

3 month return-0%6

YTD return-31%1

Mid term

Price vs 52wHigh55%2

1 year return-39%1

Long term

3 year return-0%3

5 year return-70%1

Risk Shield

Price Risk

Beta1.13

Volatility47%3

Free Cash Flow

Free Cash Flow Margin5%4

Free Cash Flow Yield0.0%2

Quality

ROCE5%4

Earnings Stability44

Net Debt/EBITDA-1.010

02Growth

Is it actually growing, and how fast?

TRUPTrupanion

Revenue FY25$1.4B

GROWTH RATING↗

AVERAGE67 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+17%8

Revenue, next 1Y+10%6

Revenue, next 3Y, CAGR+9%6

Revenue, next 5Y, CAGR+11%8

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+767%10

EPS growth, FY27E+6%5

EPS growth, FY28E+8%6

GROWTH ASSESSMENT

STRENGTHS

It out-grows 67% of companies worldwide.

Revenue grew 17%/yr over the last 3 years, ahead of 70% of companies worldwide.8/10

Revenue is set to grow 9%/yr over the next 3 years, ahead of most of the market.7/10

The runway holds up: revenue is set to grow 11%/yr over five years.8/10

Earnings are set to grow in step with sales (EPS about 8%/yr vs revenue 9%/yr).

WATCH

Revenue grew 17%/yr over the last 3 years; forecasts see it cooling to 9%/yr.

WEAKNESSES

None flagged.

BOTTOM LINE

Elite Compounder

A top-tier grower that is slowing. The one thing to watch: the pace is cooling.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

WEAK20 / 100

SHORT-TERM RETURNS▾SCORE

1-month return+4%9

3-month return-0%6

YTD return-31%1

MID & LONG-TERM▾SCORE

% of 52-week high55%2

1-year return-39%1

3-year return-0%3

5-year return-70%1

MOMENTUM ASSESSMENT

STRENGTHS

Strong recent results. The stock is outperforming over the past month (+4%).

WATCH

Returns sit at the market level over three months (+0%).

WEAKNESSES

Weak long-term results. It has been a disappointing long-term hold (-0.3% over three years and -70% over five), behind 80% of the market.

It's down 39% over the past year, now 45% below its 52-week high. That is lagging the market.

The stock is underperforming so far this year (-31%).

BOTTOM LINE

Weak Tape

Returns across short and long horizons rank poorly versus the market. Momentum offers no support here; the case has to come from other factors. The one thing to watch: the multi-year record is weak.

04Value

Are you paying a fair price for it?

Stop guessing on Trupanion, Inc.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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02Growth

Is it actually growing, and how fast?

TRUPTrupanion

Revenue FY25$1.4B

GROWTH RATING↗

AVERAGE67 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+17%8

Revenue, next 1Y+10%6

Revenue, next 3Y, CAGR+9%6

Revenue, next 5Y, CAGR+11%8

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+767%10

EPS growth, FY27E+6%5

EPS growth, FY28E+8%6

GROWTH ASSESSMENT

STRENGTHS

It out-grows 67% of companies worldwide.

Revenue grew 17%/yr over the last 3 years, ahead of 70% of companies worldwide.8/10

Revenue is set to grow 9%/yr over the next 3 years, ahead of most of the market.7/10

The runway holds up: revenue is set to grow 11%/yr over five years.8/10

Earnings are set to grow in step with sales (EPS about 8%/yr vs revenue 9%/yr).

WATCH

Revenue grew 17%/yr over the last 3 years; forecasts see it cooling to 9%/yr.

WEAKNESSES

None flagged.

BOTTOM LINE

Elite Compounder

A top-tier grower that is slowing. The one thing to watch: the pace is cooling.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

WEAK20 / 100

SHORT-TERM RETURNS▾SCORE

1-month return+4%9

3-month return-0%6

YTD return-31%1

MID & LONG-TERM▾SCORE

% of 52-week high55%2

1-year return-39%1

3-year return-0%3

5-year return-70%1

MOMENTUM ASSESSMENT

STRENGTHS

Strong recent results. The stock is outperforming over the past month (+4%).

WATCH

Returns sit at the market level over three months (+0%).

WEAKNESSES

Weak long-term results. It has been a disappointing long-term hold (-0.3% over three years and -70% over five), behind 80% of the market.

It's down 39% over the past year, now 45% below its 52-week high. That is lagging the market.

The stock is underperforming so far this year (-31%).

BOTTOM LINE

Weak Tape

Returns across short and long horizons rank poorly versus the market. Momentum offers no support here; the case has to come from other factors. The one thing to watch: the multi-year record is weak.

04Value

Are you paying a fair price for it?

Stop guessing on Trupanion, Inc.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community