Trupanion, Inc. (TRUP) stock
TRUPNasdaqHospital & Medical Service PlansFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 5, 2026Score 6/3051% above fair value
$34.30−0.06 (-0.17%)
Close on Nov 12, 2026Market cap $1.50BP/E 56.2Yield –
Trupanion statistics
93 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.
Important dates
- Next earnings
- Feb 11, 2027 (estimated, after the close)
- Last ex-dividend date
- No dividends
- Fundamentals through
- Sep 30, 2026
- Share price as of
- Nov 12, 2026
Valuation ratiosIndustry
- P/TBV Ratio
- 4.45
- 1.73
- P/OCF Ratio
- 15.75
- 7.17
Enterprise valuationIndustry
- EV / Sales
- 0.78
- 0.96
- EV / EBIT
- 43.56
- 13.35
- EV / FCF
- 13.98
- 7.18
Share statisticsIndustry
- Shares Change (YoY)
- 1.61%
- -1.32%
- Shares Change (QoQ)
- -1.38%
- -0.09%
- Float
- 41M
- 57M
- Shares Held by Insiders
- 5.86%
- 3.33%
- Shares Held by Institutions
- 77.1%
- 84.6%
Short sellingIndustry
- Short Interest
- 4M
- –
- Short Interest Change
- 6.78%
- -2.56%
- Short % of Float
- 9.51%
- 3.81%
- Short % of Shares Outstanding
- 8.95%
- 3.02%
- Days to Cover
- 11.22
- 4.05
Stock price statisticsIndustry
- 52-Week High
- $39.61
- –
- 52-Week Low
- $21.16
- –
- 20-Day Moving Average
- $31.32
- –
- 50-Day Moving Average
- $27.61
- –
- 200-Day Moving Average
- $26.67
- –
- Average True Range (14)
- $1.64
- –
- Price Change (1 Week)
- -1.21%
- 0.07%
- Price Change (1 Month)
- 28.3%
- 4.24%
- Price Change (3 Months)
- 12.1%
- 0.69%
- Price Change (6 Months)
- 53.4%
- 11.5%
- Price Change (YTD)
- -8.22%
- 8.44%
- Price Change (1 Year)
- -12.1%
- 9.87%
- Price Change (3 Years)
- 51.1%
- 49.0%
- Price Change (5 Years)
- -73.6%
- 41.8%
- Price Change (10 Years)
- 99.7%
- 114.7%
- Average Volume (10 Days)
- 556,902
- –
- Average Volume (20 Days)
- 457,454
- –
- Average Volume (90 Days)
- 459,823
- –
- Relative Volume
- 0.52
- 0.78
- Relative Strength Index (14)
- 67.8
- 55.8
- Volatility (1 Year)
- 47.9%
- 28.3%
- Beta (5 Years)
- 1.83
- 0.60
MarginsIndustry
- Pretax Margin
- 1.92%
- 13.5%
- EBITDA Margin
- 2.76%
- 13.5%
- FCF Margin
- 5.56%
- 18.5%
Returns on capitalIndustry
- Return on Invested Capital (ROIC)
- 23.9%
- 17.9%
- Return on Capital Employed (ROCE)
- 5.44%
- 5.44%
Financial positionIndustry
- Current Ratio
- 1.74
- 1.47
- Quick Ratio
- 0.97
- 0.97
- Debt / Equity
- 0.26
- 0.32
- Debt / EBITDA
- 2.43
- 2.21
- Debt / FCF
- 1.20
- 2.32
- Net Debt / EBITDA
- -6.79
- -0.97
- Interest Coverage
- 2.90
- 4.66
GrowthIndustry
- Revenue Growth (YoY)
- 11.4%
- 6.46%
- EPS Growth (YoY)
- 69.4%
- 12.7%
- FCF Growth (YoY)
- 20.7%
- 9.52%
- Revenue Growth (3Y CAGR)
- 16.7%
- 9.53%
- Revenue Growth (5Y CAGR)
- 23.4%
- 8.29%
EfficiencyIndustry
- Asset Turnover
- 1.73
- 0.27
- Revenue Per Employee
- $1.39M
- $1.80M
- Employee Count
- 1,121
- 1,341
- WACC
- 13.7%
- 7.97%
Income statement (TTM)Industry
- Pretax Income
- $29.87M
- $617.47M
Balance sheetIndustry
- Net Cash (Debt)
- $292.37M
- $331.32M
- Net Cash Per Share
- $6.66
- $5.43
- Equity (Book Value)
- $399.20M
- $3.44B
- Book Value Per Share
- $9.10
- $37.80
- Tangible Book Value
- $337.84M
- $2.32B
- Working Capital
- $303.61M
- $489.26M
Cash flow (TTM)Industry
- Capital Expenditures
- -$8.84M
- -$9.40M
- FCF Per Share
- $1.98
- $8.18
Dividends and yieldsIndustry
- FCF Yield
- 5.76%
- 11.6%
Taxes and interestIndustry
- Interest Expense
- $9.60M
- $77.46M
- Income Tax
- $3.25M
- $107.00M
- Effective Tax Rate
- 10.9%
- 20.0%
Scores and fair valueIndustry
- Graham Number
- $11.18
- $76.72
- Graham Upside
- -67.4%
- 11.1%
- Altman Z-Score
- 3.63
- 0.94
Total return vs. the S&P 500
Price change plus reinvested dividends, to the close on Nov 12, 2026. The S&P 500 is measured by the SPY fund.
| Period | TRUP | S&P 500 | Difference | TRUP per year | S&P 500 per year |
|---|---|---|---|---|---|
| 1 month | +30.5% | -2.7% | +33.2 pts | ||
| 3 months | +13.1% | -1.7% | +14.9 pts | ||
| Year to date | -8.2% | +11.9% | −20.1 pts | ||
| 1 year | -11.8% | +12.0% | −23.8 pts | ||
| 3 years | +58.3% | +78.2% | −19.9 pts | +16.5% | +21.2% |
| 5 years | -73.6% | +73.2% | −146.9 pts | -23.4% | +11.6% |
| 10 years | +99.7% | +309.6% | −210.0 pts | +7.2% | +15.1% |
Short interest
Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 30, 2026.
4M TRUP shares were sold short on Oct 30, 2026, up 6.8% from the previous report, or 9.51% of the shares available to trade. At recent volumes it would take 11.2 days to buy them back. Over the last 20 sessions, 61.5% of the volume reported to FINRA was short selling.
| Settlement date | Shares short | Change | Avg. daily volume | Days to cover |
|---|---|---|---|---|
| Oct 30, 2026 | 3,926,253 | +6.8% | 349,864 | 11.2 |
| Oct 15, 2026 | 3,676,788 | -5.3% | 394,746 | 9.3 |
| Sep 30, 2026 | 3,880,541 | -4.4% | 477,969 | 8.1 |
| Sep 15, 2026 | 4,059,198 | +1.7% | 407,674 | 10.0 |
| Aug 31, 2026 | 3,993,141 | +0.6% | 449,072 | 8.9 |
| Aug 14, 2026 | 3,969,980 | +6.8% | 792,552 | 5.0 |
| Jul 31, 2026 | 3,718,120 | +0.3% | 318,005 | 11.7 |
| Jul 15, 2026 | 3,707,932 | -1.5% | 323,404 | 11.5 |
| Jun 30, 2026 | 3,763,430 | -1.0% | 435,297 | 8.7 |
| Jun 15, 2026 | 3,803,168 | -2.2% | 362,408 | 10.5 |
| May 29, 2026 | 3,888,676 | +4.2% | 401,700 | 9.7 |
| May 15, 2026 | 3,733,194 | +1.4% | 419,153 | 8.9 |
Ratios use trailing-twelve-month results and the latest balance sheet. How we calculate.
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