Trupanion (LTS:0LH0) Cyclically Adjusted PS Ratio: (As of Aug. 06, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
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Director of Data and Quant Analytics at GuruFocus
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Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

LTS:0LH0 Trupanion Inc LTS:0LH0
63 GF Score
Price $28.13
GF Value $40.72
Valuation Significantly Undervalued
! 3 Warning Signs
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What is Trupanion Cyclically Adjusted PS Ratio?

Shiller PE for Stocks: The True Measure of Stock Valuation


Trupanion  (LTS:0LH0) Cyclically Adjusted PS Ratio Explanation

Compared with the regular PS Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PS Ratio smoothed out the fluctuations of revenue during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted PS Ratio should give similar results to regular PS Ratio.


Trupanion Cyclically Adjusted PS Ratio Related Terms


Trupanion Cyclically Adjusted PS Ratio Historical Data

* Premium members only.

The historical data trend for Trupanion's Cyclically Adjusted PS Ratio 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 PS Ratio Chart

Trupanion Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted PS Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 2.29 1.66 2.84 1.86

Trupanion Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Cyclically Adjusted PS Ratio 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 2.97 2.23 1.86 1.21 0.00

LTS:0LH0 vs BOW, ASIC, UVE: Cyclically Adjusted PS Ratio Comparison

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

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

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


LTS:0LH0
63GF Score
Trupanion Inc LTS:0LH0
Cyclically Adjusted PS Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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Trupanion Cyclically Adjusted PS Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PS Ratio takes the Revenue per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/S calculation. Because it considers this 10-year average, it's often referred to as the CAPS Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio.

Trupanion's Cyclically Adjusted Revenue per Share for the quarter that ended in Jun. 2026 is calculated as:

For example, Trupanion's adjusted Revenue per Share data for the three months ended in Jun. 2026 was:

Adj_RevenuePerShare=Revenue per Share/CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=8.967/333.9520*333.9520
=8.967

Current CPI (Jun. 2026) = 333.9520.

Trupanion Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201609 1.683 241.428 2.328
201612 1.769 241.432 2.447
201703 1.871 243.801 2.563
201706 1.780 244.955 2.427
201709 1.906 246.819 2.579
201712 2.229 246.524 3.019
201803 2.306 249.554 3.086
201806 2.389 251.989 3.166
201809 2.148 252.439 2.842
201812 2.451 251.233 3.258
201903 2.536 254.202 3.332
201906 2.664 256.143 3.473
201909 2.727 256.759 3.547
201912 3.031 256.974 3.939
202003 3.179 258.115 4.113
202006 3.214 257.797 4.163
202009 3.673 260.280 4.713
202012 3.769 260.474 4.832
202103 3.896 264.877 4.912
202106 4.192 271.696 5.153
202109 4.510 274.310 5.491
202112 4.809 278.802 5.760
202203 5.076 287.504 5.896
202206 5.386 296.311 6.070
202209 5.729 296.808 6.446
202212 6.009 296.797 6.761
202303 6.236 301.836 6.900
202306 6.538 305.109 7.156
202309 6.882 307.789 7.467
202312 7.092 306.746 7.721
202403 7.303 312.332 7.809
202406 7.481 314.175 7.952
202409 7.647 315.301 8.099
202412 7.955 315.605 8.417
202503 7.995 319.799 8.349
202506 8.160 322.561 8.448
202509 8.423 324.800 8.660
202512 8.649 324.054 8.913
202603 8.792 330.213 8.892
202606 8.967 333.952 8.967

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue 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.

Is Trupanion (LTS:0LH0) Overvalued in 2026?

Based on GuruFocus' analysis, Trupanion stock appears to be undervalued. The current stock price of $28.13 is trading 30.9% below its estimated GF Value™ of $40.72. GuruFocus considers Trupanion to be Significantly Undervalued.

Key valuation signals for LTS:0LH0:

  • Cyclically Adjusted PS Ratio:
  • GF Value™: $40.72 vs. price of $28.13 (30.9% below fair value)
  • GF Score™: 63/100 with 3 warning signs

No single metric tells the full story. See the LTS:0LH0 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Trupanion Business Description

Other Exchanges TRUP:USATPW: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.
63GF Score

Get the complete analysis for LTS:0LH0

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

$28.13
Price
$40.72
GF Value