Trupanion (TRUP)
NASDAQFinancialsInsurance - Property & CasualtySnapshot 2026-10-29
$30.13-0.20%
Close 2026-10-30 · 1-day change
NASDAQFinancialsInsurance - Property & CasualtySnapshot 2026-10-29
Research Workspace
Put TRUP beside peers and holdings, graph the same metric, and keep your notes with the evidence.
Daily closes. Earnings/event dots are placed inline.
Industries move in repeating boom-and-bust cycles. This shows where this stock’s industry sits in that cycle, stage by stage (recovery → expansion → supercycle → steady → deceleration → contraction), from its fundamentals (orders, revenue, capital spending), not the stock’s price.
A booming industry is a tailwind for the names in it; a contracting one is a headwind. Companies in the same industry tend to rise and fall together with the cycle, the way a tide lifts and lowers every boat in the harbor at once, so a large part of a stock’s swing can come from where its industry sits rather than from the company itself. It’s context for reading the company’s results, not a buy/sell call. Full explanation →
Financials is in steady. Describes the industry's cycle state, not a call on this stock.
The stage band shows the industry’s cycle over the chart’s timeline (each color a stage); a ▼ marks a quarter its growth inflected down — amber is an unconfirmed watch, red is confirmed the next quarter. Use “Overlay cycle on chart” to tint the price chart by stage. The industry’s fundamentals, not a signal on this stock.
Primary pillar under pressure — Net income improvement and cost control: Comparison needs review.
View ThesisRevenue is growing steadily — about 12% over the past year.
View GrowthManagement screens weak on capital allocation, earnings delivery.
View ManagementExpectations look high — the market is pricing in about 44% growth a year, above the roughly 11% analysts expect, leaving little room for error.
View ValuationThis stock is volatile — it swings about 2% on a typical day and fell roughly 49% in its worst 12-month stretch.
View RiskTRUP’s franchise growth must justify a premium valuation, despite unprofitable results over the past year. Revenue growth eased from 12% to 11%, though Q2 FY2026 GAAP earnings beat consensus. TRUP trades at 3.2× P/B versus the 1.3× peer median, near its 3.0× history. The market prices in more growth than our forecast. A 26% next-quarter miss probability adds risk, and the thesis pillar comparison needs review. Peer multiples imply a price about 44% below where it trades. The thesis is on watch; this read is provisional.
Trailing returns as of 2026-10-30. TRUP is total return (includes dividends); the S&P 500 benchmark is price return (the index excludes dividends).
Based on 6 analysts currently covering TRUP (as of Oct 2026).
Based on 4 Wall Street analysts offering 12-month price targets for TRUP in the last 4 months.
Continue this research
Compare TRUP with peers and holdings, graph the same reported metric, keep your questions beside the evidence, and return when the facts change.
Compare now without an account. Saving and monitoring require an account.
| Compare | Company | Living FV | P/E | Revenue % | Quality |
|---|---|---|---|---|---|
| TRUP Selected company | Graph | Compare | Trend | Review | |
| Peer Add a competitor | Graph | Compare | Trend | Review | |
| Holding Compare a holding | Graph | Compare | Trend | Review |
Selected metric trend
Quarterly · checked companies · value or % of revenue
A consensus fair price across 10 valuation methods, at three horizons. As of 2026-10-30. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
Today's peer multiple on trailing earnings, with no growth credited. This is the headline read.
Adds projected growth, so it leans optimistic by design. Read it as upside context, not a base case.
A price-focused, side-by-side fair-value read versus Life & Health Insurance — fair value, gap to price, and forward P/E.
Compare the value case
Put TRUP next to peers and holdings, compare Living FV and multiples, then graph the driver behind the difference.
Advances: Increase revenue growth
Earnings beat and improved guidance support revenue growth objective.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
End-of-day figures as of 2026-10-30. EPS is implied from price ÷ P/E. Not investment advice.
Current $30.13
The last 12 months of price, then the range of analyst 12-month targets from today’s $30.13.
Analyst ratings and price targets are third-party Wall Street estimates, not QuarterlyIQ’s view. Not investment advice.
A long-thesis check that carries the widest uncertainty of the three horizons.
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
Advances: Increase revenue growth
New guidance and Digitail deal support revenue growth.
Advances: Disciplined capital allocation including share repurchase program
Share repurchase program supports disciplined capital allocation.
Advances: Grow subscription business revenue and enrolled pets
Strong growth in subscription revenue and enrolled pets reported.
Advances: Increase revenue growth
Earnings beat indicates strong revenue growth performance.
Advances: Increase revenue growth
Earnings beat indicates strong revenue growth potential.
