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TRUP (Trupanion) Cyclically Adjusted Book per Share : $5.60 (As of Mar. 2025)


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What is Trupanion Cyclically Adjusted Book per Share?

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

Trupanion's adjusted book value per share for the three months ended in Mar. 2025 was $7.800. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is $5.60 for the trailing ten years ended in Mar. 2025.

During the past 12 months, Trupanion's average Cyclically Adjusted Book Growth Rate was 14.80% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

As of today (2025-05-16), Trupanion's current stock price is $47.165. Trupanion's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2025 was $5.60. Trupanion's Cyclically Adjusted PB Ratio of today is 8.42.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Trupanion was 25.74. The lowest was 4.07. And the median was 8.09.


Trupanion Cyclically Adjusted Book per Share Historical Data

The historical data trend for Trupanion's Cyclically Adjusted Book per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Trupanion Cyclically Adjusted Book per Share Chart

Trupanion Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only - - 3.34 4.61 5.40

Trupanion Quarterly Data
Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25
Cyclically Adjusted Book per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 4.88 5.14 5.27 5.40 5.60

Competitive Comparison of Trupanion's Cyclically Adjusted Book per Share

For the Insurance - Property & Casualty subindustry, Trupanion's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Trupanion's Cyclically Adjusted PB Ratio Distribution in the Insurance Industry

For the Insurance industry and Financial Services sector, Trupanion's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Trupanion's Cyclically Adjusted PB Ratio falls into.


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Trupanion Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Trupanion's adjusted Book Value per Share data for the three months ended in Mar. 2025 was:

Adj_Book= Book Value per Share /CPI of Mar. 2025 (Change)*Current CPI (Mar. 2025)
=7.8/134.9266*134.9266
=7.800

Current CPI (Mar. 2025) = 134.9266.

Trupanion Quarterly Data

Book Value per Share CPI Adj_Book
201506 1.829 100.684 2.451
201509 1.677 100.392 2.254
201512 1.597 99.792 2.159
201603 1.551 100.470 2.083
201606 1.568 101.688 2.081
201609 1.531 101.861 2.028
201612 1.516 101.863 2.008
201703 1.515 102.862 1.987
201706 1.572 103.349 2.052
201709 1.597 104.136 2.069
201712 1.608 104.011 2.086
201803 1.585 105.290 2.031
201806 3.553 106.317 4.509
201809 3.826 106.507 4.847
201812 3.796 105.998 4.832
201903 3.772 107.251 4.745
201906 3.767 108.070 4.703
201909 3.803 108.329 4.737
201912 3.913 108.420 4.870
202003 3.900 108.902 4.832
202006 4.026 108.767 4.994
202009 4.056 109.815 4.983
202012 8.617 109.897 10.580
202103 8.390 111.754 10.130
202106 8.307 114.631 9.778
202109 8.224 115.734 9.588
202112 8.208 117.630 9.415
202203 8.070 121.301 8.976
202206 7.725 125.017 8.337
202209 7.480 125.227 8.059
202212 7.444 125.222 8.021
202303 7.133 127.348 7.558
202306 6.963 128.729 7.298
202309 6.954 129.860 7.225
202312 7.256 129.419 7.565
202403 7.222 131.776 7.395
202406 7.254 132.554 7.384
202409 7.562 133.029 7.670
202412 7.608 133.157 7.709
202503 7.800 134.927 7.800

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.


Trupanion  (NAS:TRUP) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

Trupanion's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=47.165/5.60
=8.42

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Trupanion was 25.74. The lowest was 4.07. And the median was 8.09.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


Trupanion Cyclically Adjusted Book per Share Related Terms

Thank you for viewing the detailed overview of Trupanion's Cyclically Adjusted Book per Share provided by GuruFocus.com. Please click on the following links to see related term pages.


Trupanion Business Description

Industry
Traded in Other Exchanges
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. It operates in two business segments: The subscription business segment generates revenue primarily from subscription fees related to the Company's direct-to-consumer products and Other business segment is comprised of revenue from other product offerings that generally have a business-to-business relationship and a different margin profile than subscription business segment, including revenue from writing policies on behalf of third parties and revenue from other products and software solutions.
Executives
Fawwad Qureshi officer: Chief Financial Officer 6100 4TH AVENUE S, SEATTLE WA 98108
Margaret Tooth officer: Co-President 907 NW BALLARD WAY, SEATTLE WA 98107
John R Gallagher officer: General Manager 6100 4TH AVENUE SOUTH, SUITE 400, SEATTLE WA 98108
Brenna Mcgibney officer: Chief Administration Officer 309-1277 LYNN VALLEY ROAD, SUITE 400, NORTH VANCOUVER A1 V7J 0A2
Emily Dreyer officer: SVP, Channel Growth 6100 4TH AVENUE SOUTH, SUITE 400, SEATTLE WA 98108
Murray B Low director
Steve Weinrauch officer: EVP, North Am & Vet Strategy 6100 4TH AVENUE SOUTH, SUITE 400, SEATTLE WA 98108
Travis Worra officer: General Manager 6100 4TH AVENUE, SUITE 400, SEATTLE WA 98108
Melissa Joy Hewitt officer: General Manager 6100 4TH AVENUE SOUTH, SUITE 400, SEATTLE WA 98108
Darryl Rawlings director, officer: Chief Executive Officer 6100 4TH AVENUE SOUTH, SUITE 200, SEATTLE WA 98108
Michael Doak director 907 NW BALLARD WAY, SEATTLE WA 98107
Wei Li officer: Interim CFO 6100 4TH AVENUE SOUTH, SUITE 400, SEATTLE WA 98108
Max Broden director 1932 WYNNTON RD, COLUMBUS GA 31999
Paulette R. Dodson director PETSMART, INC, 19601 N 27TH AVE, PHOENIX AZ 85027
Elizabeth Mclaughlin director C/O THE ORIGINAL BARK COMPANY, 221 CANAL ST., FL 6, NEW YORK NY 10013