Trupanion (FRA:TPW) Shiller PE Ratio: (As of Sep. 21, 2026)

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FRA:TPW Trupanion Inc FRA:TPW
75 GF Score
Price €21.80
GF Value €35.45
Valuation Significantly Undervalued
! 2 Warning Signs
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What is Trupanion Shiller PE Ratio?

Shiller PE for Stocks: The True Measure of Stock Valuation


Trupanion  (FRA:TPW) Shiller PE Ratio Explanation

Compared with the regular PE Ratio, which works poorly for cyclical businesses, the Shiller PE Ratio smoothed out the fluctuations of profit margins during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Shiller PE Ratio should give similar results to regular PE Ratio.

Compared with the PS Ratio, the Shiller PE Ratio makes the comparison between different industries more meaningful.


Be Aware

Shiller PE Ratio assumes that over the long term, businesses and profitability revert to their means. If a company's business model does not work in the future compared with the past, Shiller PE Ratio and PS Ratio will give false valuations.


Trupanion Shiller PE Ratio Related Terms


Trupanion Shiller PE Ratio Historical Data

* Premium members only.

The historical data trend for Trupanion's Shiller PE Ratio 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 Shiller PE Ratio Chart

Trupanion Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Shiller PE Ratio
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Trupanion Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
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FRA:TPW vs ASIC, HGTY, UFCS: Shiller PE Ratio 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.


FRA:TPW
75GF Score
Trupanion Inc FRA:TPW
Shiller PE Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Trupanion Shiller PE Ratio Calculation

For Shiller PE Ratio, 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 PE Ratio is also called PE10.

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

Trupanion's E10 for the quarter that ended in Jun. 2026 is calculated as:

For example, Trupanion's adjusted earnings per share data for the three months ended in Jun. 2026 was:

Adj_EPS=Earnings per Share (Diluted)/CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=0.1341/333.9520*333.9520
=0.134

Current CPI (Jun. 2026) = 333.9520.

Trupanion Quarterly Data

Earnings per Share (Diluted) CPI Adj_EPS
201609 -0.051 241.428 -0.071
201612 -0.055 241.432 -0.076
201703 -0.048 243.801 -0.065
201706 0.011 244.955 0.016
201709 0.010 246.819 0.014
201712 -0.024 246.524 -0.032
201803 -0.040 249.554 -0.053
201806 -0.010 251.989 -0.014
201809 0.029 252.439 0.038
201812 -0.007 251.233 -0.010
201903 -0.033 254.202 -0.044
201906 -0.050 256.143 -0.065
201909 0.019 256.759 0.025
201912 0.016 256.974 0.021
202003 -0.029 258.115 -0.038
202006 0.034 257.797 0.043
202009 -0.062 260.280 -0.079
202012 -0.078 260.474 -0.099
202103 -0.260 264.877 -0.328
202106 -0.191 271.696 -0.234
202109 -0.144 274.310 -0.175
202112 -0.152 278.802 -0.183
202203 -0.195 287.504 -0.226
202206 -0.314 296.311 -0.354
202209 -0.314 296.808 -0.354
202212 -0.223 296.797 -0.250
202303 -0.562 301.836 -0.622
202306 -0.305 305.109 -0.333
202309 -0.089 307.789 -0.097
202312 -0.048 306.746 -0.052
202403 -0.151 312.332 -0.161
202406 -0.129 314.175 -0.138
202409 0.030 315.301 0.032
202412 0.037 315.605 0.039
202503 -0.033 319.799 -0.034
202506 0.192 322.561 0.198
202509 0.115 324.800 0.119
202512 0.111 324.054 0.114
202603 0.096 330.213 0.097
202606 0.134 333.952 0.134

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

Is Trupanion (FRA:TPW) Overvalued in 2026?

Based on GuruFocus' analysis, Trupanion stock appears to be undervalued. The current stock price of €21.80 is trading 38.5% below its estimated GF Value™ of €35.45. GuruFocus considers Trupanion to be Significantly Undervalued.

Key valuation signals for FRA:TPW:

  • Shiller PE Ratio:
  • GF Value™: €35.45 vs. price of €21.80 (38.5% below fair value)
  • GF Score™: 75/100 with 2 warning signs

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 Business Description

Other Exchanges TRUP:USA0LH0: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.
75GF Score

Get the complete analysis for FRA:TPW

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

€21.80
Price
€35.45
GF Value