TRUP (Trupanion) E10: $-0.38 (As of Mar. 2026)


TRUP Trupanion Inc TRUP
68 GF Score
Price $23.52
GF Value $40.11
Valuation Significantly Undervalued
! 3 Warning Signs
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What is Trupanion E10?

Trupanion TRUP -1.63% 68 E10 is $-0.38 as of Mar. 2026. GuruFocus rates TRUP with a GF Score™ of 68/100 and a GF Value™ of $40.11 (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 P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Trupanion's adjusted earnings per share data for the three months ended in Mar. 2026 was $0.110. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is $-0.38 for the trailing ten years ended in Mar. 2026.

During the past 3 years, the average E10 Growth Rate was 38.00% 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 E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Trupanion was 38.00% per year. The lowest was 38.00% per year. And the median was 38.00% per year.

As of today (2026-06-25), Trupanion's current stock price is $23.52. Trupanion's E10 for the quarter that ended in Mar. 2026 was $-0.38. Trupanion's Shiller PE Ratio of today is .


Trupanion  (NAS:TRUP) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Trupanion E10 Related Terms


Trupanion E10 Historical Data

* Premium members only.

The historical data trend for Trupanion's E10 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 E10 Chart

Trupanion Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 -1.64 -1.25 -0.51 -0.39

Trupanion Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
E10 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 -0.49 -0.45 -0.42 -0.39 -0.38

TRUP vs ASIC, BOW, SAFT: E10 Comparison

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

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

* The bar in red indicates where Trupanion's Shiller PE Ratio falls into.


TRUP
68GF Score
Trupanion Inc TRUP
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Trupanion E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

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 earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=0.11/330.2130*330.2130
=0.110

Current CPI (Mar. 2026) = 330.2130.

Trupanion Quarterly Data

per share eps CPI Adj_EPS
201606 -0.030 241.018 -0.041
201609 -0.060 241.428 -0.082
201612 -0.060 241.432 -0.082
201703 -0.050 243.801 -0.068
201706 0.010 244.955 0.013
201709 0.010 246.819 0.013
201712 -0.030 246.524 -0.040
201803 -0.050 249.554 -0.066
201806 -0.010 251.989 -0.013
201809 0.030 252.439 0.039
201812 -0.010 251.233 -0.013
201903 -0.040 254.202 -0.052
201906 -0.060 256.143 -0.077
201909 0.020 256.759 0.026
201912 0.020 256.974 0.026
202003 -0.030 258.115 -0.038
202006 0.040 257.797 0.051
202009 -0.070 260.280 -0.089
202012 -0.090 260.474 -0.114
202103 -0.310 264.877 -0.386
202106 -0.230 271.696 -0.280
202109 -0.170 274.310 -0.205
202112 -0.170 278.802 -0.201
202203 -0.220 287.504 -0.253
202206 -0.330 296.311 -0.368
202209 -0.320 296.808 -0.356
202212 -0.230 296.797 -0.256
202303 -0.600 301.836 -0.656
202306 -0.330 305.109 -0.357
202309 -0.100 307.789 -0.107
202312 -0.050 306.746 -0.054
202403 -0.160 312.332 -0.169
202406 -0.140 314.175 -0.147
202409 0.030 315.301 0.031
202412 0.040 315.605 0.042
202503 -0.030 319.799 -0.031
202506 0.220 322.561 0.225
202509 0.130 324.800 0.132
202512 0.130 324.054 0.132
202603 0.110 330.213 0.110

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of $-0.38 mean?
Trupanion (TRUP) has a E10 of $-0.38 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Trupanion and its competitors.
Is Trupanion's E10 too high?
Trupanion's current E10 is $-0.38. 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 E10 compare to ASIC and BOW?
Trupanion's E10 of $-0.38 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 E10 for an Insurance company?
A good E10 depends on the Insurance industry context. However, E10 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 E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Trupanion and its competitors. Trupanion's current E10 is $-0.38. 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 (TRUP) is currently considered Significantly Undervalued. The stock's GF Value™ is $40.11, compared to a current price of $23.52 — trading 41.4% below its estimated fair value. The current E10 is $-0.38. 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 E10 calculated?
E10 is calculated from a company's financial statements. For Trupanion (TRUP), the current E10 is $-0.38 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 (TRUP) Overvalued in 2026?

Based on GuruFocus' analysis, Trupanion stock appears to be undervalued. The current stock price of $23.52 is trading 41.4% below its estimated GF Value™ of $40.11. GuruFocus considers Trupanion to be Significantly Undervalued.

Key valuation signals for TRUP:

  • E10: $-0.38
  • GF Value™: $40.11 vs. price of $23.52 (41.4% below fair value)
  • GF Score™: 68/100 with 3 warning signs

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


Trupanion Business Description

Other Exchanges 0LH0: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 TRUP

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$23.52
Price
$40.11
GF Value