Trupanion (TRUP)
NASDAQFinancialsInsurance - Property & CasualtySnapshot 2026-09-04
$27.80-3.44%
Close 2026-09-04 · 1-day change
NASDAQFinancialsInsurance - Property & CasualtySnapshot 2026-09-04
Research Workspace
Put TRUP beside peers and holdings, graph the same metric, and keep your notes with the evidence.
Daily closes. Earnings/event dots are placed inline.
Industries move in repeating boom-and-bust cycles. This shows where this stock’s industry sits in that cycle, stage by stage (recovery → expansion → supercycle → steady → deceleration → contraction), from its fundamentals (orders, revenue, capital spending), not the stock’s price.
A booming industry is a tailwind for the names in it; a contracting one is a headwind. Companies in the same industry tend to rise and fall together with the cycle, the way a tide lifts and lowers every boat in the harbor at once, so a large part of a stock’s swing can come from where its industry sits rather than from the company itself. It’s context for reading the company’s results, not a buy/sell call. Full explanation →
Financials is in steady. Describes the industry's cycle state, not a call on this stock.
The stage band shows the industry’s cycle over the chart’s timeline (each color a stage); a ▼ marks a quarter its growth inflected down — amber is an unconfirmed watch, red is confirmed the next quarter. Use “Overlay cycle on chart” to tint the price chart by stage. The industry’s fundamentals, not a signal on this stock.
Primary pillar broken — Net income improvement and cost control: FY25 EPS 0.13 vs 0.45 guidance; Q2 FY26 EPS 0.16.
View ThesisRevenue is growing steadily — about 12% over the past year.
View GrowthManagement screens weak on capital allocation, earnings delivery.
View ManagementExpectations look high — the market is pricing in about 32% growth a year, above the roughly 10% analysts expect, leaving little room for error.
View ValuationThis stock is volatile — it swings about 2% on a typical day and fell roughly 53% in its worst 12-month stretch.
View RiskTrupanion's growth in subscription revenue and enrolled pets must continue to justify its price. Revenue grew 11% year over year, and the latest quarter beat expectations. The stock trades at 3.0× price-to-book versus a peer median of 1.3×, indicating the market prices in more growth than forecast. The primary risk is that net income improvement and cost control have not met targets, with EPS at 0.16 versus a 0.45 target. Peer multiples imply a price about 32% below where it trades (it looks expensive on this basis). This read is provisional.
Trailing returns as of 2026-09-04. TRUP is total return (includes dividends); the S&P 500 benchmark is price return (the index excludes dividends).
Based on 6 analysts currently covering TRUP (as of Sep 2026).
Based on 3 Wall Street analysts offering 12-month price targets for TRUP in the last 4 months.
Continue this research
Compare TRUP with peers and holdings, graph the same reported metric, keep your questions beside the evidence, and return when the facts change.
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| Compare | Company | Living FV | P/E | Revenue % | Quality |
|---|---|---|---|---|---|
| TRUP Selected company | Graph | Compare | Trend | Review | |
| Peer Add a competitor | Graph | Compare | Trend | Review | |
| Holding Compare a holding | Graph | Compare | Trend | Review |
Selected metric trend
Quarterly · checked companies · value or % of revenue
A consensus fair price across 10 valuation methods, at three horizons. As of 2026-09-04. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
Today's peer multiple on trailing earnings, with no growth credited. This is the headline read.
Adds projected growth, so it leans optimistic by design. Read it as upside context, not a base case.
A price-focused, side-by-side fair-value read versus Life & Health Insurance — fair value, gap to price, and forward P/E.
Compare the value case
Put TRUP next to peers and holdings, compare Living FV and multiples, then graph the driver behind the difference.
Advances: Increase revenue growth
Earnings beat and improved guidance support revenue growth objective.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
End-of-day figures as of 2026-09-04. EPS is implied from price ÷ P/E. Not investment advice.
Current $27.80
The last 12 months of price, then the range of analyst 12-month targets from today’s $27.80.
Analyst ratings and price targets are third-party Wall Street estimates, not QuarterlyIQ’s view. Not investment advice.
A long-thesis check that carries the widest uncertainty of the three horizons.
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
Advances: Increase revenue growth
New guidance and Digitail deal support revenue growth.
Advances: Disciplined capital allocation including share repurchase program
Share repurchase program supports disciplined capital allocation.
Advances: Grow subscription business revenue and enrolled pets
Strong growth in subscription revenue and enrolled pets reported.
Advances: Increase revenue growth
Earnings beat indicates strong revenue growth performance.
Advances: Increase revenue growth
Earnings beat indicates strong revenue growth potential.
