NAS:TRUP (USA) Also trade in: Germany UK

Trupanion Inc

$ 35.02 0 (0%)
Volume: 304,044 Avg Vol (1m): 218,932
Market Cap $: 1.21 Bil Enterprise Value $: 1.14 Bil
P/E (TTM): 0.00 P/B: 9.24
Earnings Power Value -3.54
Net Current Asset Value 1.15
Tangible Book 3.56
Projected FCF -0.06
Median P/S Value 24.19
Graham Number 0
Peter Lynch Value 0
DCF (FCF Based) 0
DCF (Earnings Based) 0
1Y (-%)

Financial Strength : 7/10

GuruFocus Financial Strength Rank measures how strong a company's financial situation is . It is based on these factors
1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.
A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.
Current vs industry vs history
Cash-to-Debt 4.88
Cash-To-Debt ranked higher than
52.11% of 71 companies
in the Insurance - Specialty industry.
Industry Max: 10000, Med: 5.79, Min: 0.05
TRUP: 4.88
Ranked among companies with meaningful Cash-To-Debt only.
Cash-To-Debt range over the past 10 years
Min: 0.89, Med: 8.12, Max: 10000
Current: 4.88
0.89
10000
Equity-to-Asset 0.59
Equity-to-Asset ranked higher than
81.94% of 72 companies
in the Insurance - Specialty industry.
Industry Max: 0.91, Med: 0.29, Min: 0.02
TRUP: 0.59
Ranked among companies with meaningful Equity-to-Asset only.
Equity-to-Asset range over the past 10 years
Min: -0.82, Med: 0.59, Max: 0.71
Current: 0.59
-0.82
0.71
Debt-to-Equity 0.14
Debt-to-Equity ranked higher than
56.41% of 39 companies
in the Insurance - Specialty industry.
Industry Max: 9.52, Med: 0.21, Min: 0.01
TRUP: 0.14
Ranked among companies with meaningful Debt-to-Equity only.
Debt-to-Equity range over the past 10 years
Min: -4.77, Med: 0.11, Max: 0.31
Current: 0.14
-4.77
0.31
Debt-to-EBITDA 3.08
Debt-to-EBITDA ranked lower than
83.33% of 36 companies
in the Insurance - Specialty industry.
Industry Max: 16.17, Med: 1.19, Min: 0.03
TRUP: 3.08
Ranked among companies with meaningful Debt-to-EBITDA only.
Debt-to-EBITDA range over the past 10 years
Min: -3.86, Med: -1.44, Max: 3.29
Current: 3.08
-3.86
3.29
Piotroski F-Score 4
0
1
2
3
4
5
6
7
8
9
Altman Z-Score 9.19
DISTRESS
GREY
SAFE
Beneish M-Score -2.08
Not Manipulator
Manipulator
WACC vs ROIC %
ROIC -2.91%
WACC 15.1%

Profitability & Growth : 2/10

GuruFocus Profitability Rank ranks how profitable a company is and how likely the company's business will stay that way.
Current vs industry vs history
Operating Margin % -0.26
Operating Margin ranked lower than
77.78% of 72 companies
in the Insurance - Specialty industry.
Industry Max: 75.69, Med: 7.71, Min: -3700
TRUP: -0.26
Ranked among companies with meaningful Operating Margin only.
Operating Margin range over the past 10 years
Min: -13.76, Med: -8.15, Max: -0.34
Current: -0.26
-13.76
-0.34
Net Margin % -0.23
Net Margin ranked lower than
79.17% of 72 companies
in the Insurance - Specialty industry.
Industry Max: 424.16, Med: 7.04, Min: -4366.67
TRUP: -0.23
Ranked among companies with meaningful Net Margin only.
Net Margin range over the past 10 years
Min: -18.27, Med: -10.17, Max: -0.3
Current: -0.23
-18.27
-0.3
ROE % -0.67
ROE ranked lower than
81.94% of 72 companies
in the Insurance - Specialty industry.
Industry Max: 33.51, Med: 7.61, Min: -68.71
TRUP: -0.67
Ranked among companies with meaningful ROE only.
ROE range over the past 10 years
Min: -161.19, Med: -15.31, Max: -1.04
Current: -0.67
-161.19
-1.04
ROA % -0.40
ROA ranked lower than
86.11% of 72 companies
in the Insurance - Specialty industry.
Industry Max: 19.63, Med: 2, Min: -44.19
TRUP: -0.4
Ranked among companies with meaningful ROA only.
ROA range over the past 10 years
Min: -46.34, Med: -20.33, Max: -0.59
Current: -0.4
-46.34
-0.59
ROC (Joel Greenblatt) % 1.51
ROC (Joel Greenblatt) ranked lower than
100.00% of 2 companies
in the Insurance - Specialty industry.
Industry Max: 12.68, Med: 12.68, Min: -17.36
TRUP: 1.51
Ranked among companies with meaningful ROC (Joel Greenblatt) only.
ROC (Joel Greenblatt) range over the past 10 years
Min: -479.98, Med: -190.73, Max: 0.68
Current: 1.51
-479.98
0.68
3-Year Total Revenue Growth Rate 27.40
3-Year Revenue Growth Rate ranked lower than
81.36% of 59 companies
in the Insurance - Specialty industry.
Industry Max: 377.7, Med: 6.1, Min: -54.6
TRUP: 21.4
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
3-Year Revenue Growth Rate range over the past 10 years
Min: -56.9, Med: -28.1, Max: 21.4
Current: 21.4
-56.9
21.4
3-Year EPS w/o NRI Growth Rate 63.60
3-Year EPS w/o NRI Growth Rate ranked higher than
93.62% of 47 companies
in the Insurance - Specialty industry.
Industry Max: 82.2, Med: 1.5, Min: -100
TRUP: 63.6
Ranked among companies with meaningful 3-Year EPS w/o NRI Growth Rate only.
3-Year EPS w/o NRI Growth Rate range over the past 10 years
Min: 0, Med: 60.1, Max: 68.8
Current: 63.6
0
68.8

» TRUP's 30-Y Financials

Financials (Next Earnings Date: 2019-08-02)

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Business Description

Industry Insurance - Specialty » Insurance - Specialty    NAICS : 524114    SIC : 6324
Compare XKLS:6139 NYSE:EIG XTER:NBG6 NAS:AMBC XSWX:VAHN OSL:PROTCT LSE:LRE LSE:RQIH ASX:NHF NAS:ITIC NAS:TIPT TSX:TSU IST:GUSGR NAS:PPHI OTCPK:FACO NAS:ICCH JSE:SNT TSX:MIC SAU:8210 NYSE:AGO
Traded in other countries TPW.Germany 0LH0.UK
Address 6100 4th Avenue South, Suite 200, Seattle, WA, USA, 98108
Trupanion Inc is a specialty insurance products provider in the United States. Its core business is the sale of insurance products tailor-made for pets, especially cats and dogs. The company generates most of its revenue from the subscription fees for the medical insurance plans. The company's medical plan pays most of the actual veterinary costs for accident and illness claims, has no payout limitations, and can be used to cover the costs incurred at any veterinary practice, emergency care center or specialty hospital primarily in the United States and in Canada and Puerto Rico.

Ratios

Current vs industry vs history
Forward PE Ratio 526.32
Forward P/E ranked lower than
100.00% of 24 companies
in the Insurance - Specialty industry.
Industry Max: 1666.67, Med: 12.47, Min: 5.34
TRUP: 526.32
Ranked among companies with meaningful Forward P/E only.
N/A
PB Ratio 9.24
PB Ratio ranked lower than
100.00% of 71 companies
in the Insurance - Specialty industry.
Industry Max: 22.26, Med: 1.15, Min: 0.32
TRUP: 9.24
Ranked among companies with meaningful PB Ratio only.
PB Ratio range over the past 10 years
Min: 2.52, Med: 8.71, Max: 22.57
Current: 9.24
2.52
22.57
PS Ratio 3.68
PS Ratio ranked lower than
92.96% of 71 companies
in the Insurance - Specialty industry.
Industry Max: 1229.09, Med: 1.5, Min: 0.12
TRUP: 3.68
Ranked among companies with meaningful PS Ratio only.
PS Ratio range over the past 10 years
Min: 0.17, Med: 2.54, Max: 5.2
Current: 3.68
0.17
5.2
Price-to-Operating-Cash-Flow 84.79
Price-to-Operating-Cash-Flow ranked lower than
90.57% of 53 companies
in the Insurance - Specialty industry.
Industry Max: 2416.67, Med: 10.52, Min: 1.19
TRUP: 84.79
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
Price-to-Operating-Cash-Flow range over the past 10 years
Min: 50.25, Med: 85.12, Max: 554.19
Current: 84.79
50.25
554.19
EV-to-EBIT 1670.54
EV-to-EBIT ranked lower than
100.00% of 54 companies
in the Insurance - Specialty industry.
Industry Max: 48.44, Med: 9.72, Min: 0.24
TRUP: 1670.54
Ranked among companies with meaningful EV-to-EBIT only.
EV-to-EBIT range over the past 10 years
Min: -1352.8, Med: -33.7, Max: 3563.9
Current: 1670.54
-1352.8
3563.9
EV-to-EBITDA 193.51
EV-to-EBITDA ranked lower than
100.00% of 55 companies
in the Insurance - Specialty industry.
Industry Max: 361.55, Med: 9.13, Min: 0.23
TRUP: 193.51
Ranked among companies with meaningful EV-to-EBITDA only.
EV-to-EBITDA range over the past 10 years
Min: -376.4, Med: -9.9, Max: 1678.4
Current: 193.51
-376.4
1678.4
EV-to-Revenue 3.54
EV-to-Revenue ranked lower than
91.18% of 68 companies
in the Insurance - Specialty industry.
Industry Max: 62023.67, Med: 1.27, Min: 0.01
TRUP: 3.54
Ranked among companies with meaningful EV-to-Revenue only.
EV-to-Revenue range over the past 10 years
Min: 0.6, Med: 2.3, Max: 4.7
Current: 3.54
0.6
4.7
Current Ratio 1.85
Current Ratio ranked higher than
50.00% of 2 companies
in the Insurance - Specialty industry.
Industry Max: 1.89, Med: 1.89, Min: 0.48
TRUP: 1.85
Ranked among companies with meaningful Current Ratio only.
Current Ratio range over the past 10 years
Min: 1.13, Med: 1.93, Max: 4.15
Current: 1.85
1.13
4.15
Quick Ratio 1.85
Quick Ratio ranked higher than
50.00% of 2 companies
in the Insurance - Specialty industry.
Industry Max: 1.89, Med: 1.89, Min: 0.48
TRUP: 1.85
Ranked among companies with meaningful Quick Ratio only.
Quick Ratio range over the past 10 years
Min: 1.13, Med: 1.93, Max: 4.15
Current: 1.85
1.13
4.15
Days Sales Outstanding 42.69
Days Sales Outstanding ranked lower than
100.00% of 1 companies
in the Insurance - Specialty industry.
Industry Max: 30.63, Med: 0, Min: 30.63
TRUP: 42.69
Ranked among companies with meaningful Days Sales Outstanding only.
Days Sales Outstanding range over the past 10 years
Min: 30.63, Med: 34.27, Max: 37.9
Current: 42.69
30.63
37.9
Days Payable 3.98
Days Payable ranked lower than
100.00% of 1 companies
in the Insurance - Specialty industry.
Industry Max: 4.97, Med: 0, Min: 4.97
TRUP: 3.98
Ranked among companies with meaningful Days Payable only.
Days Payable range over the past 10 years
Min: 3.86, Med: 4.97, Max: 8.3
Current: 3.98
3.86
8.3

Dividend & Buy Back

Current vs industry vs history
3-Year Share Buyback Rate -6.20
3-Year Share Buyback Rate ranked lower than
78.05% of 41 companies
in the Insurance - Specialty industry.
Industry Max: 71.7, Med: -0.2, Min: -17
TRUP: -6.2
Ranked among companies with meaningful 3-Year Share Buyback Rate only.
3-Year Share Buyback Rate range over the past 10 years
Min: -224, Med: -162.8, Max: -2.7
Current: -6.2
-224
-2.7

Valuation & Return

Current vs industry vs history
Price-to-Tangible-Book 9.83
Price-to-Tangible-Book ranked lower than
100.00% of 69 companies
in the Insurance - Specialty industry.
Industry Max: 24.81, Med: 1.46, Min: 0.32
TRUP: 9.83
Ranked among companies with meaningful Price-to-Tangible-Book only.
Price-to-Tangible-Book range over the past 10 years
Min: 3.54, Med: 9.46, Max: 21.03
Current: 9.83
3.54
21.03
Price-to-Median-PS-Value 1.45
Price-to-Median-PS-Value ranked lower than
91.53% of 59 companies
in the Insurance - Specialty industry.
Industry Max: 4.78, Med: 0.99, Min: 0.09
TRUP: 1.45
Ranked among companies with meaningful Price-to-Median-PS-Value only.
Price-to-Median-PS-Value range over the past 10 years
Min: 0.1, Med: 0.93, Max: 1.73
Current: 1.45
0.1
1.73
Earnings Yield (Joel Greenblatt) % 0.06
Earnings Yield (Greenblatt) ranked lower than
77.78% of 72 companies
in the Insurance - Specialty industry.
Industry Max: 416.67, Med: 7.42, Min: -555.56
TRUP: 0.06
Ranked among companies with meaningful Earnings Yield (Greenblatt) only.
Earnings Yield (Greenblatt) range over the past 10 years
Min: -21, Med: -1.7, Max: 0.1
Current: 0.06
-21
0.1

More Statistics

Revenue (TTM) (Mil) $ 321.17
EPS (TTM) $ -0.03
Beta 2.19
Volatility % 51.7
52-Week Range $ 22.38 - 46.7
Shares Outstanding (Mil) 34.03

Analyst Estimate

Piotroski F-Score Details

Piotroski F-Score 4
Positive ROA N
Positive CFROA Y
Higher ROA yoy Y
CFROA > ROA Y
Lower Leverage yoy Y
Higher Current Ratio yoy N
Less Shares Outstanding yoy N
Higher Gross Margin yoy N
Higher Asset Turnover yoy N