Is Trupanion, Inc. (TRUP) Overvalued?
We dive into why Trupanion, Inc. (TRUP) could be considered overvalued on 2026-08-07, based on AAII’s Value Score and Grade.Michael Rose
A+ Stock Grade Summary:
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COMPANY SUMMARY
Trupanion, Inc., together with its subsidiaries, provides medical insurance for cats and dogs on subscription basis in the United States, Canada, and Continental Europe. The company operates in two segments, Subscription Business and Other Business. It serves pet owners and veterinarians. The company was formerly known as Vetinsurance International, Inc. and changed its name to Trupanion, Inc. in 2013. Trupanion, Inc. was founded in 2000 and is headquartered in Seattle, Washington.
Commentary & Analysis
Why Trupanion, Inc.’s (TRUP) Stock Is Up 6.45%
As of Monday, August 10, Trupanion, Inc.’s TRUP share price has surged by 6.45%, which has investors questioning if this is right time to sell.Rosalio Madrigal
Why Trupanion, Inc.’s (TRUP) Stock Is Up 14.84%
As of Thursday, August 06, Trupanion, Inc.’s TRUP share price has surged by 14.84%, which has investors questioning if this is right time to sell.Jenna Brashear
Why Trupanion, Inc.’s (TRUP) Stock Is Up 17.06%
As of Thursday, August 06, Trupanion, Inc.’s TRUP share price has surged by 17.06%, which has investors questioning if this is right time to sell.Michael Rose
What You Need to Know About Trupanion, Inc.'s Q3 Earnings
Trupanion, Inc.'s fiscal Q3 earnings report was released on Wednesday, August 05. Let's dive in to see if (TRUP) missed or beat analyst's expectations.Michael Rose
Financial Summary
| Share Statistics | TRUP | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $1,364.4 | $6,453.5 | 48% |
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| Shares Out (Mil) | 43.8 | 66.0 | 44% |
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| Institutional Ownership | 93.2% | 81.0% | 62% |
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| Float (Mil) | 33.5 | 66.5 | 38% |
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| Beta | 1.43 | 0.52 | 81% |
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| Avg Daily Volume (000s) | 621 | 218 | 62% |
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| Price Change (52-week) |
(34.9%) | 89.8% | 20% |
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| Growth | TRUP | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 23.4% | 5.8% | 85% |
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| Net Income (5yr) | 39.8% | 14.3% | 91% |
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| EPS (5yr) | 36.6% | 15.6% | 86 |
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| Dividends (5yr) | 0.0% | 3.1% | 0% |
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| Cash Flow (5yr) | (17.1%) | (12.2%) | 41% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 1 | 1 | 1 | |
| Current EPS | $1.010 | $4.040 | $4.260 | |
| Month Ago EPS | $0.980 | $3.920 | $4.310 | |
| # Rev Up | 1 | 0 | 1 | |
| # Rev Down | 0 | 1 | 0 | |
| Three Months Ago EPS | $0.980 | $3.920 | $4.310 | |
| Year/Year Chg | 547.4% | 797.8% | 951.1% | |
| Financials | TRUP | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $1,521 | $5,268 | 56% |
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| Net Income (TTM) (Mil) | $23 | $562 | 50% |
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| EPS (TTM) | $0.535 | $2.500 | 54% |
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| Operating Cash Flow (TTM) (Mil) | $94 | $632 | 52% |
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| Net Cash Flow (TTM) (Mil) | $14 | $6 | 59% |
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| Long-Term Debt (Q1) (Mil) | $97 | $917 | 44% |
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| Enterprise Value (Q1) (Mil) | $1,193 | $7,912 | 43% |
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| Valuation | TRUP | Industry Median |
Percentile (All Stocks) |
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| P/B | 3.33 | 1.70 | 67% |
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| P/E | 58.1 | 12.1 | 87% |
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| Dividend Yield | 0.0% | 1.1% | 0% |
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| PEG (5yr hist) | 1.6 | 0.5 | 61% |
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| Ratios | TRUP | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | 22.6% | 34.7% | 25% |
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| Net Margin | 1.5% | 10.1% | 36% |
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| ROA | 2.6% | 2.4% | 59% |
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| ROE | 6.1% | 14.6% | 46% |
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| Liabilities to Assets | 56.0% | 77.1% | 49% |
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| F-Score | 8 | 6 | 93% |
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Passing Stock Screens
As of 8/21/2026, from a list of 60 stock screening strategies,
GURU STRATEGY
Kirkpatrick Bargain Screen
Factors: Value, Momentum
Investing model outlined in Charles Kirkpatrick's book, Beat the Market: Invest by Knowing What Stocks to Buy and What Stocks to Sell.
| Performance Since Inception: | 6.8% |
| +/- S&P 500: | -0.7 |
