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Trupanion has the Financial Strength Rank of 8. It shows strong financial strength and is unlikely to fall into distressed situations.
Good Sign:
Trupanion Inc shows strong financial strength.
GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is rated on a scale of 1 to 10 and is based on these factors:
1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
2. Debt to revenue ratio. The lower, the better.
3. Altman Z-Score.
4. Other debt related ratios.
A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.
Trupanion's Interest Coverage for the quarter that ended in Jun. 2026 was 15.93.
Trupanion's debt to revenue ratio for the quarter that ended in Jun. 2026 was 0.07.
As of today, Trupanion's Altman Z-Score is 3.37.
The rank is rated on a scale of 1 to 10. A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.
Trupanion has the Financial Strength Rank of 8. It shows strong financial strength and is unlikely to fall into distressed situations.
Trupanion Financial Strength Related Terms
FRA:TPW vs BOW, ASIC, UVE: Financial Strength Comparison
For the Insurance - Property & Casualty subindustry, Trupanion's Financial Strength, along with its competitors' market caps and Financial Strength 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 Financial Strength vs Insurance Industry
For the Insurance industry and Financial Services sector, Trupanion's Financial Strength distribution charts can be found below:
* The bar in red indicates where Trupanion's Financial Strength falls into.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.
The zones of discrimination were as such:
When Z-Score is less than 1.81, it is in Distress Zones.
When Z-Score is greater than 2.99, it is in Safe Zones.
When Z-Score is between 1.81 and 2.99, it is in Grey Zones.
Trupanion has a Z-score of 3.37, indicating it is in Safe Zones. This implies the Z-Score is strong.
Good Sign:
Altman Z-score of 3.37 is strong.
* 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 Financial Strength of 8 as of Jun. 2026. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on Trupanion and its competitors. This is 14% above median its historical median of 7.00. Over the past decade, Trupanion's Financial Strength has ranged from 4.00 to 9.00.
Is Trupanion's Financial Strength too high?
Trupanion's current Financial Strength of 8 is 14% above median its 10-year median of 7.00. Over the past 10 years, this metric has ranged from a low of 4.00 to a high of 9.00. Overall, Trupanion has a GF Score™ of 71/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Trupanion's Financial Strength compare to BOW and ASIC?
Trupanion's Financial Strength of 8 can be compared against companies in the Insurance industry. Historically, Trupanion's own Financial Strength has ranged from 4.00 to 9.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Financial Strength for an Insurance company?
A good Financial Strength depends on the Insurance industry context. However, Financial Strength 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 Financial Strength mean?
A high Financial Strength can signal that a stock is expensive relative to its fundamentals. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on Trupanion and its competitors. Trupanion's current Financial Strength is 8, which is 14% above median its own 10-year median of 7.00. 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 €34.59, compared to a current price of €25.40 — trading 26.6% below its estimated fair value. The current Financial Strength is 8, which is 14% above median its 10-year median of 7.00. Trupanion's overall GF Score™ is 71/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Financial Strength calculated?
Financial Strength is calculated from a company's financial statements. For Trupanion (FRA:TPW), the current Financial Strength is 8 as of Jun. 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 €25.40 is trading 26.6% below its estimated GF Value™ of €34.59.
GuruFocus considers Trupanion to be Modestly Undervalued.
Key valuation signals for FRA:TPW:
Financial Strength: 8 (14% above median its 10-year median of 7.00)
GF Value™: €34.59 vs. price of €25.40 (26.6% below fair value)
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.
71GF Score
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