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TrupanionFRA:TPW -1.49%77 EV-to-OCF is 11.28 as of Aug. 16, 2026, which is 84% below its 10-year median of 71.00. GuruFocus rates FRA:TPW with a GF Score™ of 77/100 and a GF Value™ of €34.72 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 507 Insurance companies, Trupanion ranks worse than 66.27% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Trupanion's Enterprise Value is €910 Mil.
Trupanion's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was €81 Mil. Therefore, Trupanion's EV-to-OCF for today is 11.28.
The historical rank and industry rank for Trupanion's EV-to-OCF or its related term are showing as below:
FRA:TPW'
s EV-to-OCF Range Over the Past 10 Years
Min: -651.7 Med: 71 Max: 891.71
Current: 11.16
During the past 13 years, the highest EV-to-OCF of Trupanion was 891.71. The lowest was -651.70. And the median was 71.00.
FRA:TPW's EV-to-OCF is ranked worse than 66.27% of 507
companies
in the Insurance industry
Industry Median: 6.66
vs FRA:TPW: 11.16
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. 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.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. 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 €26.40.
Trupanion's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €0.456.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Trupanion EV-to-OCF Related Terms
Trupanion EV-to-OCF Historical Data
* Premium members only.
The historical data trend for Trupanion's EV-to-OCF 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.
For the Insurance - Property & Casualty subindustry, Trupanion's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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-OCF vs Insurance Industry
For the Insurance industry and Financial Services sector, Trupanion's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Trupanion's EV-to-OCF falls into.
Trupanion's current Enterprise Value is €910 Mil.
Trupanion's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €81 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-OCF of 11.28 as of Aug. 16, 2026. This is 84% below median its historical median of 71.00. According to the industry distribution chart, Trupanion ranks #336 out of 507 companies in the Insurance industry, placing it in the top 66.3%.
Is Trupanion's EV-to-OCF too high?
Trupanion's current EV-to-OCF of 11.28 is 84% below median its 10-year median of 71.00. The Insurance industry median EV-to-OCF is 6.66. Trupanion's value of 11.28 is 69.4% above this industry median. Based on the distribution chart, Trupanion ranks #336 out of 507 companies in the Insurance industry, which is below the industry midpoint. Overall, Trupanion has a GF Score™ of 77/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Trupanion's EV-to-OCF compare to BOW and ASIC?
According to the Insurance industry distribution chart, Trupanion ranks #336 out of 507 companies for EV-to-OCF. This places Trupanion in the lower half of its industry. The industry median EV-to-OCF is 6.66. Trupanion's value of 11.28 is 69.4% above this benchmark. While the company's 10-year median is 71.00 vs. the industry median of 6.66, 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-OCF for an Insurance company?
The median EV-to-OCF among Insurance companies is 6.66, based on 507 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Trupanion's current EV-to-OCF of 11.28 is 69.4% 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-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Insurance industry, the median EV-to-OCF is 6.66 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Trupanion's current EV-to-OCF is 11.28, which is 84% below median its own 10-year median of 71.00. 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 Modestly Undervalued. The stock's GF Value™ is €34.72, compared to a current price of €26.40 — trading 24% below its estimated fair value. The current EV-to-OCF is 11.28, which is 84% below median its 10-year median of 71.00 and 69.4% above the Insurance industry median of 6.66. Trupanion's overall GF Score™ is 77/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Trupanion (FRA:TPW), the current EV-to-OCF is 11.28 as of Aug. 16, 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 €26.40 is trading 24% below its estimated GF Value™ of €34.72.
GuruFocus considers Trupanion to be Modestly Undervalued.
Key valuation signals for FRA:TPW:
EV-to-OCF: 11.28 (84% below median its 10-year median of 71.00)
GF Value™: €34.72 vs. price of €26.40 (24% below fair value)
Industry Position: 69.4% above the Insurance median (#336 of 507)
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.
77GF Score
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