Trupanion IncTRUP
Price$23.36Intrinsic value$40.8175% above price

Valuation

How Intrinsic Value compares with model outputs

Intrinsic Value $40.81median of 5 methods · middle span $14-$49based on filings through 30 Jun 2026
Market Price $23.36Price as of 30 Sep 2026
Margin of Safety +74.7%as of 30 Sep 2026

Valuation methods vs. Market Price

Company vs. peer median Members

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Assumptions

ParameterValue
Years 1–5: analyst growth pathFive-year total matches analyst consensus exactly. Year 1: 5.0% (near-term consensus, capped) · years 2–5: 11.4%/yr (balance of the path).10.1% per year
Years 6–10: glide to demonstrated growth
Per-year rates
Yr 611.2%Yr 710.9%Yr 810.6%Yr 910.4%Yr 1010.1%
11.4% → 10.1%
Years 11–20: glide to long-run rate
Per-year rates
Yr 119.4%Yr 128.7%Yr 138.0%Yr 147.3%Yr 156.6%Yr 165.8%Yr 175.1%Yr 184.4%Yr 193.7%Yr 203.0%
10.1% → 3.0%
Beyond year 20: terminal growthPerpetual long-run rate3.0%
Discount rate (cost of equity) 10.7%
Volatility vs market (adjusted beta)1.29

Valuation Detail Members

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Assumptions Sandbox Members

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Compare with peers

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Best in rowHigher is betterLower is better—Data not available
TargetTrupanion IncTRUPFinancials
Valuation
P/E43.3×
P/S0.7×
P/B2.7×
EV / Revenue—
EV / EBITDA—
Profitability
Gross margin16.1%
Operating margin1.0%
Net margin1.5%
FCF margin5.4%
Returns
ROE5.7%
ROA2.5%
ROIC6.3%
Growth
Revenue growth (YoY)18.3%
5-yr fwd EPS growth10.1%
Financial strength
Debt / Equity0.26×
Current ratio1.77×
Altman Z-Score3.0
Interest coverage—
Dividend yield—

Best value in each row is highlighted. Figures are periodic snapshots from the same filings used across each dossier; a dash means the figure is not available.

AI-assisted, source-linked narrative; figures from company filings (SEC EDGAR) and market data. Dates shown per section. Not investment advice. Terms of Use.