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TrupanionFRA:TPW +0.90%73 EV-to-EBITDA is 15.14 as of Jul. 30, 2026, which is 77% below its 10-year median of 67.06. GuruFocus rates FRA:TPW with a GF Score™ of 73/100 and a GF Value™ of €35.01 (Significantly Undervalued). The stock has 3 warning signs investors should review. Among 346 Insurance companies, Trupanion ranks worse than 82.08% on this metric.
EV-to-EBITDA is calculated as enterprise value divided by its EBITDA. As of today, Trupanion's enterprise value is €749 Mil.
Trupanion's EBITDA for the trailing twelve months (TTM) ended in Mar. 2026 was €50 Mil. Therefore, Trupanion's EV-to-EBITDA for today is 15.14.
The historical rank and industry rank for Trupanion's EV-to-EBITDA or its related term are showing as below:
FRA:TPW'
s EV-to-EBITDA Range Over the Past 10 Years
Min: -5038.26 Med: 67.06 Max: 1828.47
Current: 14.83
During the past 13 years, the highest EV-to-EBITDA of Trupanion was 1828.47. The lowest was -5038.26. And the median was 67.06.
FRA:TPW's EV-to-EBITDA is ranked worse than 82.08% of 346
companies
in the Insurance industry
Industry Median: 8.37
vs FRA:TPW: 14.83
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio to determine the fair market value of a company.
The "classic" EV-to-EBITDA is much better in capturing debt and net cash than the PE Ratio (TTM).
Trupanion (FRA:TPW) EV-to-EBITDA Explanation
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Trupanion's share price for today is €22.40.
Trupanion's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €0.508.
* 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.
Study has found that the companies with the lowest EV-to-EBITDA outperforms companies measured as cheap by other ratios such as PE Ratio (TTM).
The historical data trend for Trupanion's EV-to-EBITDA 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.
FRA:TPW vs BOW, ASIC, UVE: EV-to-EBITDA Comparison
For the Insurance - Property & Casualty subindustry, Trupanion's EV-to-EBITDA, along with its competitors' market caps and EV-to-EBITDA 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 EV-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, Trupanion's EV-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Trupanion's EV-to-EBITDA falls into.
Trupanion's current Enterprise Value is €749 Mil.
Trupanion's EBITDA for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €50 Mil.
* 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 (FRA:TPW) has a EV-to-EBITDA of 15.14 as of Jul. 30, 2026. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on Trupanion. This is 77% below median its historical median of 67.06. According to the industry distribution chart, Trupanion ranks #284 out of 346 companies in the Insurance industry, placing it in the top 82.1%.
Is Trupanion's EV-to-EBITDA too high?
Trupanion's current EV-to-EBITDA of 15.14 is 77% below median its 10-year median of 67.06. The Insurance industry median EV-to-EBITDA is 8.37. Trupanion's value of 15.14 is 80.9% above this industry median. Based on the distribution chart, Trupanion ranks #284 out of 346 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Trupanion has a GF Score™ of 73/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Trupanion's EV-to-EBITDA compare to BOW and ASIC?
According to the Insurance industry distribution chart, Trupanion ranks #284 out of 346 companies for EV-to-EBITDA. This places Trupanion in the lower half of its industry. The industry median EV-to-EBITDA is 8.37. Trupanion's value of 15.14 is 80.9% above this benchmark. While the company's 10-year median is 67.06 vs. the industry median of 8.37, Trupanion has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-EBITDA for an Insurance company?
The median EV-to-EBITDA among Insurance companies is 8.37, based on 346 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Trupanion's current EV-to-EBITDA of 15.14 is 80.9% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-EBITDA mean?
A high EV-to-EBITDA can signal that a stock is expensive relative to its fundamentals. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on Trupanion. For the Insurance industry, the median EV-to-EBITDA is 8.37 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Trupanion's current EV-to-EBITDA is 15.14, which is 77% below median its own 10-year median of 67.06. 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 €35.01, compared to a current price of €22.40 — trading 36% below its estimated fair value. The current EV-to-EBITDA is 15.14, which is 77% below median its 10-year median of 67.06 and 80.9% above the Insurance industry median of 8.37. Trupanion's overall GF Score™ is 73/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-EBITDA calculated?
EV-to-EBITDA is calculated from a company's financial statements. For Trupanion (FRA:TPW), the current EV-to-EBITDA is 15.14 as of Jul. 30, 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 €22.40 is trading 36% below its estimated GF Value™ of €35.01.
GuruFocus considers Trupanion to be Significantly Undervalued.
Key valuation signals for FRA:TPW:
EV-to-EBITDA: 15.14 (77% below median its 10-year median of 67.06)
GF Value™: €35.01 vs. price of €22.40 (36% below fair value)
Industry Position: 80.9% above the Insurance median (#284 of 346)
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 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.
73GF Score
Get the complete analysis for FRA:TPW
EV-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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