TrupanionFRA:TPW +5.56%69 EV-to-FCF is 11.82 as of Jul. 02, 2026, which is 62% below its 10-year median of 31.08. GuruFocus rates FRA:TPW with a GF Score™ of 69/100 and a GF Value™ of €35.01 (Significantly Undervalued). The stock has 3 warning signs investors should review. Among 395 Insurance companies, Trupanion ranks worse than 58.23% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Trupanion's Enterprise Value is €761 Mil.
Trupanion's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was €64 Mil. Therefore, Trupanion's EV-to-FCF for today is 11.82.
The historical rank and industry rank for Trupanion's EV-to-FCF or its related term are showing as below:
FRA:TPW'
s EV-to-FCF Range Over the Past 10 Years
Min: -32966.39 Med: 31.08 Max: 3158.5
Current: 11.55
During the past 13 years, the highest EV-to-FCF of Trupanion was 3158.50. The lowest was -32966.39. And the median was 31.08.
FRA:TPW's EV-to-FCF is ranked worse than 58.23% of 395
companies
in the Insurance industry
Industry Median: 9.29
vs FRA:TPW: 11.55
EV-to-FCF 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-FCF 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 €22.80.
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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Trupanion EV-to-FCF Related Terms
Trupanion EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Trupanion's EV-to-FCF 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-FCF, along with its competitors' market caps and EV-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 EV-to-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, Trupanion's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Trupanion's EV-to-FCF falls into.
Trupanion's current Enterprise Value is €761 Mil.
Trupanion's Free Cash Flow 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 €64 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-FCF of 11.82 as of Jul. 02, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Trupanion and its competitors. This is 62% below median its historical median of 31.08. According to the industry distribution chart, Trupanion ranks #230 out of 395 companies in the Insurance industry, placing it in the top 58.2%.
Is Trupanion's EV-to-FCF too high?
Trupanion's current EV-to-FCF of 11.82 is 62% below median its 10-year median of 31.08. The Insurance industry median EV-to-FCF is 9.29. Trupanion's value of 11.82 is 27.2% above this industry median. Based on the distribution chart, Trupanion ranks #230 out of 395 companies in the Insurance industry, which is below the industry midpoint. Overall, Trupanion has a GF Score™ of 69/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Trupanion's EV-to-FCF compare to SAFT and ASIC?
According to the Insurance industry distribution chart, Trupanion ranks #230 out of 395 companies for EV-to-FCF. This places Trupanion in the lower half of its industry. The industry median EV-to-FCF is 9.29. Trupanion's value of 11.82 is 27.2% above this benchmark. While the company's 10-year median is 31.08 vs. the industry median of 9.29, 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-FCF for an Insurance company?
The median EV-to-FCF among Insurance companies is 9.29, based on 395 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Trupanion's current EV-to-FCF of 11.82 is 27.2% 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Trupanion and its competitors. For the Insurance industry, the median EV-to-FCF is 9.29 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Trupanion's current EV-to-FCF is 11.82, which is 62% below median its own 10-year median of 31.08. 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 €22.80 — trading 34.9% below its estimated fair value. The current EV-to-FCF is 11.82, which is 62% below median its 10-year median of 31.08 and 27.2% above the Insurance industry median of 9.29. Trupanion's overall GF Score™ is 69/100 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-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Trupanion (FRA:TPW), the current EV-to-FCF is 11.82 as of Jul. 02, 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 €22.80 is trading 34.9% below its estimated GF Value™ of €35.01.
GuruFocus considers Trupanion to be Significantly Undervalued.
Key valuation signals for FRA:TPW:
EV-to-FCF: 11.82 (62% below median its 10-year median of 31.08)
GF Value™: €35.01 vs. price of €22.80 (34.9% below fair value)
Industry Position: 27.2% above the Insurance median (#230 of 395)
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.
69GF Score
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