Trupanion Inc
NASDAQ:TRUP

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Trupanion Inc
NASDAQ:TRUP
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Price: 53.6 USD 1.8% Market Closed
Market Cap: 2.3B USD
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Intrinsic Value

The intrinsic value of one TRUP stock under the Base Case scenario is 28.35 USD. Compared to the current market price of 53.6 USD, Trupanion Inc is Overvalued by 47%.

The Intrinsic Value is calculated as the average of DCF and Relative values:

TRUP Intrinsic Value
28.35 USD
Overvaluation 47%
Intrinsic Value
Price
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Base Case
Best Case

Valuation Backtest
Trupanion Inc

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Backtest Conclusion
Very Attractive
Current Valuation
+45%
Avg Valuation
-12%
Worst Valuation
-49%
Best Valuation
+45%

Stock is trading at its lowest valuation over the past 5 years.

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Fundamental Analysis

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Financials
Annual
Quarterly
TTM
Annual
Quarterly
TTM

Balance Sheet Decomposition
Trupanion Inc

Current Assets 599.6m
Cash & Short-Term Investments 293.1m
Receivables 289.8m
Other Current Assets 16.7m
Non-Current Assets 216.5m
Long-Term Investments 14.2m
PP&E 102.9m
Intangibles 60.1m
Other Non-Current Assets 39.4m
Current Liabilities 361.9m
Accounts Payable 10.1m
Accrued Liabilities 33.5m
Other Current Liabilities 318.3m
Non-Current Liabilities 134.1m
Long-Term Debt 127.5m
Other Non-Current Liabilities 6.5m
Efficiency

Earnings Waterfall
Trupanion Inc

Revenue
1.2B USD
Cost of Revenue
-1.1B USD
Gross Profit
165.9m USD
Operating Expenses
-175.1m USD
Operating Income
-9.2m USD
Other Expenses
-4.3m USD
Net Income
-13.5m USD

Free Cash Flow Analysis
Trupanion Inc

Last Value
3-Years Average
FCF Margin
Conversion Rate
Fundamental Scores

TRUP Profitability Score
Profitability Due Diligence

Trupanion Inc's profitability score is 39/100. The higher the profitability score, the more profitable the company is.

Exceptional 3-Years Revenue Growth
ROIC is Increasing
ROE is Increasing
Positive Revenue Growth Forecast
39/100
Profitability
Score

Trupanion Inc's profitability score is 39/100. The higher the profitability score, the more profitable the company is.

TRUP Solvency Score
Solvency Due Diligence

Trupanion Inc's solvency score is 63/100. The higher the solvency score, the more solvent the company is.

Low D/E
Negative Net Debt
High Altman Z-Score
Short-Term Solvency
63/100
Solvency
Score

Trupanion Inc's solvency score is 63/100. The higher the solvency score, the more solvent the company is.

Wall St
Price Targets

TRUP Price Targets Summary
Trupanion Inc

Wall Street analysts forecast TRUP stock price to rise over the next 12 months.

According to Wall Street analysts, the average 1-year price target for TRUP is 57.8 USD with a low forecast of 42.42 USD and a high forecast of 68.25 USD.

Lowest
Price Target
42.42 USD
21% Downside
Average
Price Target
57.8 USD
8% Upside
Highest
Price Target
68.25 USD
27% Upside
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Dividends

Trupanion Inc
does not pay dividends
Shareholder Yield

Current shareholder yield for TRUP is .

Shareholder yield represents the total return a company provides to its shareholders, calculated as the sum of dividend yield, buyback yield, and debt paydown yield. What is shareholder yield?

Shareholder Yield
Dividend Yield
No dividends
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Ownership

TRUP Insider Trading
Buy and sell transactions by insiders

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Period Sold Bought Net
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TRUP News

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Profile

Trupanion Inc Logo
Trupanion Inc

Country

United States of America

Industry

Insurance

Market Cap

2.3B USD

Dividend Yield

0%

Description

Trupanion, Inc. engages in the provision of medical insurance for cats and dogs. The company is headquartered in Seattle, Washington and currently employs 1,131 full-time employees. The company went IPO on 2014-07-18. The firm operates in two segments: Subscription Business and Other Business. The Subscription Business segment includes subscription fees related to the Company's Trupanion branded products. The Other Business segment comprises of other product offerings that generally have a business-to-business relationship and a different margin profile than its subscription segment, including writing policies on behalf of third parties and other products and software solutions. The Company’s core Trupanion product provides software that is designed to communicate directly with a veterinary hospitals practice management software. Using its software, veterinary hospitals can receive payment from it directly for approved invoices in seconds, with their clients (its members) only paying their deductible or co-payment of covered treatments.

Contact

WASHINGTON
Seattle
6100 4th Ave S Ste 200
+18887332685.0
trupanion.com

IPO

2014-07-18

Employees

1 131

Officers

Founder & Chair of the Board
Mr. Darryl Graham Andrew Rawlings
President, CEO & Director
Ms. Margaret Rosemary Maria Tooth
Chief Finance Officer
Mr. Fawwad Qureshi
Chief Operating Officer
Mr. John Gallagher
Executive Vice President of North America & Veterinary Strategy
Dr. Steve Weinrauch BVMS, MRCVS
Senior VP of Finance & Corporate Controller
Mr. Wei Li
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Chief Administrative Officer
Ms. Brenna McGibney
Head of Investor Relations
Ms. Laura Bainbridge
Chief Legal Officer
Mr. Christopher John Kearns
Head of Conversion
Ms. Bradley Lamb
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See Also

Discover More
What is the Intrinsic Value of one TRUP stock?

The intrinsic value of one TRUP stock under the Base Case scenario is 28.35 USD.

Is TRUP stock undervalued or overvalued?

Compared to the current market price of 53.6 USD, Trupanion Inc is Overvalued by 47%.

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