US · TRUP
Trupanion, Inc.
- Sector
- Financial Services · Insurance - Specialty
- Headquarters
- Seattle, WA 98108
- Website
- trupanion.com
Price · as of 2025-12-31
$24.33
Market cap 1.15B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $40.97 | +68.39% |
| Intrinsic Value(DCF) | $115.23 | +373.61% |
| Graham-Dodd Method(GD) | $10.28 | -57.74% |
| Graham Formula(GF) | $8.87 | -63.54% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | |||||
| 2012 | |||||
| 2013 | $0.00 | $0.00 | |||
| 2014 | $7.87 | $79.87 | $438.20 | $0.00 | $0.00 |
| 2015 | $9.69 | $29.70 | $316.47 | $0.00 | $0.00 |
| 2016 | $14.17 | $90.55 | $282.45 | $0.36 | $0.00 |
| 2017 | $35.80 | $39.76 | $334.13 | $1.38 | $0.00 |
| 2018 | $27.84 | $36.01 | $326.25 | $3.90 | $0.00 |
| 2019 | $31.10 | $35.87 | $366.42 | $3.69 | $0.00 |
| 2020 | $93.23 | $60.63 | $568.27 | $7.74 | $0.00 |
| 2021 | $78.98 | $61.22 | $1,291.13 | $3.04 | $0.00 |
| 2022 | $51.11 | $88.01 | $1,571.93 | $0.98 | $0.00 |
| 2023 | $29.55 | $127.05 | $1,258.00 | $0.88 | $0.00 |
| 2024 | $32.97 | $32.02 | $644.41 | $5.65 | $0.00 |
| 2025 | $26.71 | $40.97 | $315.49 | $10.28 | $8.87 |
AI valuation
Our deep-learning model estimates Trupanion, Inc.'s (TRUP) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $40.97
- Current price
- $24.33
- AI upside
- +68.39%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$115.23
+373.61% upside
Graham-Dodd
$10.28
-57.74% upside
Graham Formula
$8.87
-63.54% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| TRUP | Trupanion, Inc. | $24.33 | 1.15B | +68% | +374% | -58% | -64% | 59.05 | 2.99 | 0.80 | 17.22 | — | 3.58 | 28.51% | 1.53% | 1.35% | 5.50% | 14.41% | 2.26% | 0.29 | 1.60 | 1.07 | 1.64 | -0.51 | -29565.00% | 1195.00% | 9538.00% | 6.57% | 0.22 | 55.87% | 0.00% | 0.00% | 0.00% | 40.40 | 11.79 | 0.62 | 2.67 |
| AGM | Federal Agricultural Mort… | $157.66 | 1.72B | +1,120% | -15% | -17% | — | 9.53 | 1.01 | 1.32 | 55.06 | 870.60 | 1.01 | 29.47% | 19.40% | 15.73% | 11.38% | 1.28% | 0.55% | 17.93 | 0.28 | 0.12 | 1.68 | 116.89 | 109.00% | -1886.00% | -8682.00% | 4.60% | 0.01 | 0.49% | 5.12% | 48.80% | 5.12% | 55.06 | 175.87 | 10.68 | -0.20 |
| BWIN | The Baldwin Insurance Gro… | $23.23 | 1.58B | +50% | -54% | — | — | -29.09 | 2.62 | 1.05 | 8.21 | -103.15 | -0.83 | 12.76% | 5.28% | -2.25% | -9.15% | 5.85% | -1.46% | 0.27 | 0.65 | 1.16 | 0.45 | 0.21 | 2821.00% | 935.00% | -21284.00% | -4.38% | -0.03 | -5.07% | 0.00% | 0.00% | 92.15% | 20.33 | -23.45 | 1.07 | 0.76 |
| HMN | Horace Mann Educators Cor… | $43.51 | 1.77B | +126% | -42% | +24% | +57% | 11.39 | 1.25 | 1.09 | — | 19.89 | 1.99 | 100.00% | 77.11% | 9.53% | 11.70% | -90.15% | 1.09% | 0.40 | 36.04 | — | — | — | 5726.00% | 974.00% | -7832.00% | 5.31% | — | -8.36% | 0.00% | 0.00% | 0.00% | -2.52 | -33.70 | -1.94 | 0.63 |
| NWBI | Northwest Bancshares, Inc… | $12.45 | 1.82B | +133% | -0% | -77% | +63% | 14.70 | 0.98 | 2.11 | 2.91 | 89.35 | 1.32 | 68.32% | 18.79% | 14.37% | 7.23% | 21.71% | 0.81% | 0.24 | 0.73 | 0.13 | 0.13 | 1.29 | 1646.00% | 1630.00% | -7470.00% | 1.71% | 0.00 | 5.46% | 5.93% | 87.20% | 5.93% | 2.91 | 15.11 | 0.55 | -0.65 |
| OFG | OFG Bancorp | $40.08 | 1.73B | -17% | -11% | -17% | +40% | 9.22 | 1.36 | 2.19 | 5.02 | 149.93 | 1.46 | 71.24% | 30.84% | 23.78% | 15.51% | -144.61% | 1.71% | 0.42 | 1.54 | 0.12 | 0.11 | -1.61 | 615.00% | 484.00% | -543.00% | 10.55% | 0.02 | -123.70% | 2.74% | 25.30% | 23.00% | 5.38 | 7.17 | 1.66 | -0.56 |
| PWP | Perella Weinberg Partners | $18.51 | 1.19B | +127% | -60% | — | — | 24.96 | -9.41 | 1.60 | 17.91 | — | -5.64 | 97.23% | 6.39% | 4.72% | -17.50% | -13.31% | 5.73% | -2.78 | — | 1.15 | 1.15 | 1.35 | -14508.00% | -1448.00% | -8528.00% | 2.54% | 0.13 | -9.07% | 1.91% | 47.70% | 4.72% | 26.99 | 42.52 | 1.73 | 2.31 |
| QFIN | Qfin Holdings, Inc. | $14.56 | 1.9B | +294% | +163% | +136% | +438% | 6.57 | 1.70 | 2.40 | 4.33 | 10.82 | 1.78 | 61.77% | 43.86% | 36.49% | 27.16% | 32.51% | 13.34% | 0.07 | — | 2.45 | 0.58 | -0.35 | 6072.00% | 538.00% | 3066.00% | 22.33% | 0.53 | 50.12% | 3.07% | 20.20% | 10.29% | 4.64 | 3.80 | 2.04 | 3.15 |
| SLDE | Slide Insurance Holdings,… | $19.00 | 2.36B | — | — | -39% | +624% | — | — | — | — | — | — | 49.78% | 31.88% | 23.75% | 59.97% | -269.35% | 13.37% | 0.11 | 71.92 | — | — | -1.57 | 13000.00% | 8074.00% | 2521.00% | — | — | -728.27% | — | 0.00% | — | — | — | — | — |
| STC | Stewart Information Servi… | $70.99 | 2.12B | +116% | -12% | -54% | +39% | 17.58 | 1.24 | 0.70 | 10.77 | 32.09 | 46.18 | 87.72% | 5.67% | 3.96% | 7.59% | 6.64% | 3.86% | 0.54 | 8.10 | — | — | 2.36 | 5479.00% | 1732.00% | 11619.00% | 10.13% | — | 10.50% | 0.00% | 0.00% | 0.00% | 15.71 | 12.64 | 0.89 | 2.45 |
| TY | Tri-Continental Corporati… | $33.09 | 1.73B | +45% | -25% | +100% | +516% | 5.00 | 0.84 | 4.99 | 5.00 | 16.72 | 0.84 | 100.00% | 99.72% | 99.72% | 17.57% | 17.57% | 17.53% | 0.00 | 501955.58 | 2.91 | 2.86 | 0.00 | 2992.00% | 2668.00% | — | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 5.00 | — | 4.99 | 224.40 |
About Trupanion, Inc.
Trupanion, Inc., together with its subsidiaries, provides medical insurance for cats and dogs on a monthly subscription basis in the United States, Canada, Puerto Rico, and Australia. The company operates in two segments, Subscription Business and Other Business. It serves pet owners and veterinarians. The company was formerly known as Vetinsurance International, Inc. changed its name to Trupanion, Inc. in 2013. The company was founded in 2000 and is headquartered in Seattle, Washington.
- CEO
- Margaret Rosemary Maria Tooth
- Employees
- 1.13K
- Beta
- 1.60
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($115.23 ÷ $24.33) − 1 = +373.61% (DCF, example).