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
QuarterlyIQ Insights · TRUP
Price, fair value, and the multiples that frame it on the same time axis. Scroll over the price chart to zoom.
Daily closes. Earnings/event dots inline.
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.
We take the 12-month fair value above and grade our own number — how the market prices this name versus what we'd justify, and where the two diverge.
At $28 the market pays 3.0× p/b — above the 1.3× p/b peer median but in line with its own 3× history. That premium reflects a durable franchise our peer-anchored $21 fair value understates; treat the 'expensive vs peers' read with low confidence. Analysts target $28–$42. Note: our $21 fair value sits below the entire analyst range ($28–$42). Not investment advice.
One valuation read at a 12-month horizon, plus how price compares to peers and the company's own history.
Score 100 = cheapest in the cohort, 0 = richest. Bars are filled left-to-right based on the peer-relative score (or PEG/self-history where shown).
Each method's implied share price per horizon. Provisional rows use a projected (historical-CAGR) growth input rather than analyst or management guidance.
| Method | Horizon | Est. price | Multiple | Per-share input | EPS source | Confidence |
|---|---|---|---|---|---|---|
| analyst target | 12M | $30.50 | — | — | Analyst | high |
| dcf fcfe | 12M | $7.66 | — | — | Analyst | high |
| dcf fcff | 12M | $10.33 | — | — | Analyst | high |
| graham number | 12M | $19.67 | — | — | TTM | high |
| Peer P/B | 12M |
A “consensus-then vs. actual-now” overlay is on the way — what our valuation estimate said on a past date versus where the price actually landed.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
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.
$28.00 – $42.00 (median $30.50) · 4 analysts · as of 2026-08-26
No fragility gates fired. Regime (Mania) does not concentrate fragility.
For similar setups historically (n=20,154): about 33% saw a 20%+ drawdown, and roughly 76% of those did not recover within the year. These are historical base rates for the cohort, not a forecast of this stock.
Looks more expensive than peers.
Self-history needs ~20 months of data.
Trailing four: 2025-Q2, 2025-Q3, 2026-Q1, 2026-Q2
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
| $12.53 |
| 1.3 |
| 9.35 |
| TTM |
| high |
| Peer P/FCF | 12M | $20.75 | 11.1 | 1.88 | TTM | high |
| Peer P/E | 12M | $7.49 | 11.2 | 0.67 | ntm analyst | high |
| Peer P/S | 12M | $99.87 | 2.9 | 34.70 | TTM | high |
| residual income | 12M | $13.34 | — | — | TTM | high |
| triangulated | 12M | $21.83 | 12.4 | 1.76 | Triangulated | high |
| Peer P/B | 3Y | $17.78 | 1.3 | 13.26 | Hist. CAGR(prov.) | medium |
| Peer P/E | 3Y | $9.15 | 11.2 | 0.82 | Analyst | medium |
| Peer P/S | 3Y | $134.27 | 2.9 | 46.66 | Analyst | medium |
| Peer P/B | 5Y | $22.45 | 1.3 | 16.75 | Hist. CAGR(prov.) | medium |
| Peer P/E | 5Y | $11.09 | 11.2 | 0.99 | Analyst | medium |
| Peer P/S | 5Y | $162.79 | 2.9 | 56.57 | Analyst | medium |