Trupanion (FRA:TPW) Cyclically Adjusted FCF per Share: €0.16 (As of Mar. 2026)


FRA:TPW Trupanion Inc FRA:TPW
68 GF Score
Price €23.20
GF Value €35.29
Valuation Significantly Undervalued
! 3 Warning Signs
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What is Trupanion Cyclically Adjusted FCF per Share?

Trupanion FRA:TPW -2.52% 68 Cyclically Adjusted FCF per Share is €0.16 as of Mar. 2026. GuruFocus rates FRA:TPW with a GF Score™ of 68/100 and a GF Value™ of €35.29 (Significantly Undervalued). The stock has 3 warning signs investors should review.

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 FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

Trupanion's adjusted free cash flow per share for the three months ended in Mar. 2026 was €0.272. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is €0.16 for the trailing ten years ended in Mar. 2026.

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 FCF Growth Rate using Cyclically Adjusted FCF per Share data.

As of today (2026-07-09), Trupanion's current stock price is €23.20. Trupanion's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was €0.16. Trupanion's Cyclically Adjusted Price-to-FCF of today is 145.00.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Trupanion was 2642.00. The lowest was 114.82. And the median was 243.87.


Trupanion  (FRA:TPW) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF 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 Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

Trupanion's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=23.20/0.16
=145.00

* 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 Price-to-FCF of Trupanion was 2642.00. The lowest was 114.82. And the median was 243.87.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


Trupanion Cyclically Adjusted FCF per Share Related Terms


Trupanion Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Trupanion's Cyclically Adjusted FCF 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.

Trupanion Cyclically Adjusted FCF per Share Chart

Trupanion Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 -0.94 -0.86 -0.10 0.13

Trupanion Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted FCF 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 -0.04 0.02 0.07 0.13 0.16

FRA:TPW vs SAFT, ASIC, UVE: Cyclically Adjusted FCF per Share Comparison

For the Insurance - Property & Casualty subindustry, Trupanion's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF 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 Cyclically Adjusted Price-to-FCF vs Insurance Industry

For the Insurance industry and Financial Services sector, Trupanion's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Trupanion's Cyclically Adjusted Price-to-FCF falls into.


FRA:TPW
68GF Score
Trupanion Inc FRA:TPW
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Trupanion Cyclically Adjusted FCF 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 FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

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

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow 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 FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF 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 Free Cash Flow per Share data for the three months ended in Mar. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=0.272/330.2130*330.2130
=0.272

Current CPI (Mar. 2026) = 330.2130.

Trupanion Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201606 0.035 241.018 0.048
201609 0.026 241.428 0.036
201612 0.099 241.432 0.135
201703 0.045 243.801 0.061
201706 0.028 244.955 0.038
201709 0.051 246.819 0.068
201712 0.059 246.524 0.079
201803 0.029 249.554 0.038
201806 -0.051 251.989 -0.067
201809 -1.155 252.439 -1.511
201812 0.067 251.233 0.088
201903 0.080 254.202 0.104
201906 0.052 256.143 0.067
201909 0.073 256.759 0.094
201912 0.071 256.974 0.091
202003 0.037 258.115 0.047
202006 0.075 257.797 0.096
202009 0.204 260.280 0.259
202012 0.022 260.474 0.028
202103 -0.098 264.877 -0.122
202106 -0.105 271.696 -0.128
202109 0.073 274.310 0.088
202112 0.029 278.802 0.034
202203 -0.160 287.504 -0.184
202206 -0.164 296.311 -0.183
202209 -0.159 296.808 -0.177
202212 -0.103 296.797 -0.115
202303 -0.274 301.836 -0.300
202306 -0.182 305.109 -0.197
202309 0.158 307.789 0.170
202312 0.298 306.746 0.321
202403 -0.014 312.332 -0.015
202406 0.088 314.175 0.092
202409 0.282 315.301 0.295
202412 0.492 315.605 0.515
202503 0.304 319.799 0.314
202506 0.241 322.561 0.247
202509 0.468 324.800 0.476
202512 0.497 324.054 0.506
202603 0.272 330.213 0.272

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of €0.16 mean?
Trupanion (FRA:TPW) has a Cyclically Adjusted FCF per Share of €0.16 as of Mar. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Trupanion and its competitors.
Is Trupanion's Cyclically Adjusted FCF per Share too high?
Trupanion's current Cyclically Adjusted FCF per Share is €0.16. Overall, Trupanion has a GF Score™ of 68/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Trupanion's Cyclically Adjusted FCF per Share compare to SAFT and ASIC?
Trupanion's Cyclically Adjusted FCF per Share of €0.16 can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted FCF per Share for an Insurance company?
A good Cyclically Adjusted FCF per Share depends on the Insurance industry context. However, Cyclically Adjusted FCF per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Trupanion and its competitors. Trupanion's current Cyclically Adjusted FCF per Share is €0.16. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Trupanion stock overvalued right now?
Based on GuruFocus' analysis, Trupanion (FRA:TPW) is currently considered Significantly Undervalued. The stock's GF Value™ is €35.29, compared to a current price of €23.20 — trading 34.3% below its estimated fair value. The current Cyclically Adjusted FCF per Share is €0.16. Trupanion's overall GF Score™ is 68/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For Trupanion (FRA:TPW), the current Cyclically Adjusted FCF per Share is €0.16 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Trupanion (FRA:TPW) Overvalued in 2026?

Based on GuruFocus' analysis, Trupanion stock appears to be undervalued. The current stock price of €23.20 is trading 34.3% below its estimated GF Value™ of €35.29. GuruFocus considers Trupanion to be Significantly Undervalued.

Key valuation signals for FRA:TPW:

  • Cyclically Adjusted FCF per Share: €0.16
  • GF Value™: €35.29 vs. price of €23.20 (34.3% below fair value)
  • GF Score™: 68/100 with 3 warning signs

No single metric tells the full story. See the FRA:TPW stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Trupanion Business Description

Other Exchanges TRUP:USA0LH0:UKTPW:Germany
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 majorly 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. Geographically, the company operates in United States, which derives maximum revenue; and Canada and Others.
68GF Score

Get the complete analysis for FRA:TPW

Cyclically Adjusted FCF per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€23.20
Price
€35.29
GF Value