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TRUPTrupanion, Inc.Hold5.0·$22.61+2.54%
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Trupanion, Inc. (TRUP) Stock Analysis

Recovery setup

HoldVALUE-TRAP 1/5Moderate Confidence

Financial Services · Insurance - Property & Casualty

Hold if already holding. Not a fresh buy at $22.61, but acceptable to hold if already in. Reason: Market cap $0.96B below $1B minimum.

Trupanion, Inc., together with its subsidiaries, provides medical insurance for cats and dogs on subscription basis in the United States, Canada, Continental Europe, and Australia. The company operates in two segments, Subscription Business and Other Business. It serves pet... Read more

$22.61+50.8% A.UpsideScore 5.0/10#21 of 29 Insurance - Property & Casualty
QualityF-score8 / 9FCF yield-1.42%
Stop $20.84Target $33.79(analyst − 15%)A.R:R 6.6:1
Analyst target$39.75+75.8%4 analysts
$33.79our TP
$22.61price
$39.75mean
$52

Hold if already holding. Not a fresh buy at $22.61, but acceptable to hold if already in. Reason: Market cap $0.96B below $1B minimum. Chart setup: Death cross but MACD improving, RSI 54. Market cap $0.96B below $1B minimum. Not in investable universe. Score 5.0/10, moderate confidence.

Passes 8/9 gates (positive momentum, favorable risk/reward ratio, clean insider activity, no SEC red flags, news events none recent, earnings proximity 62d clear, semi cycle peak clear, materials cycle peak clear). Suitability: aggressive.

news + 30-day 8-K events · 5-min refresh

Recent developments

updated 2026-06-09

Recent Developments — Trupanion, Inc.

Generated 2026-06-15T18:11:47Z.

TrendMatrix Research · upcoming catalyst calendar

Upcoming dated catalysts

Mon, Aug 10, 202662d to earnings· next earnings call

Thesis

Rewards
No bull case signals
Risks
Market cap $0.96B below $1B minimum

Key Metrics

P/E (TTM)37.4
P/E (Fwd)5.1
Mkt Cap$962M
EV/EBITDA18.6
Profit Mgn1.7%
ROE7.1%
Rev Growth12.3%
Beta1.43
DividendNone
Rating analysts12

Quality Signals

Piotroski F8/9MoatNarrow

Options Flow

P/C9.33bearish
IV95%elevated
Max Pain$40+76.9% vs spot

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.

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Performance. Past performance is not indicative of future results. Performance figures reflect the published model only and do not reflect any individual subscriber's actual results.

Methodology · Editorial policy & full disclaimer

Rating Breakdown

3 floor-breakers

Quality below the gate floor. Component breakdown shows what dragged the score down.static

Fcf Quality
0.0
Gross Margin
0.5
Operating Margin
0.5
Net Margin
0.9
Roa
1.0
Roe
2.4
Current Ratio
6.2
Moat
6.4
Piotroski F
8.9
Earnings quality RED FLAG: -53% FCF/NIStrong Piotroski F-Score: 8/9Quality concerns

Technicals below the gate floor. Component breakdown shows what dragged the score down.static

52w Position
0.0
Bollinger
3.6
Support Resistance
5.8

Ranks in the bottom of its industry peers on the composite signal. Better names in the same sector exist.static

Quality Rank
0.9
Value Rank
4.7
Growth Rank
7.6
GatesDeath cross (50MA < 200MA)Momentum 5.6>=5.5A.R:R 6.6 ≥ 1.5Insider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTEARNINGS PROXIMITY 62d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARRecoverySuitability: Aggressive
RSI
54 · Neutral
20D MA 50D MA 200D MADEATH CROSSSupport $21.16Resistance $24.12

Price Targets

$21
$34
A.Upside+49.4%
A.R:R6.6:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeSteady

Risk Alerts

! Market cap $0.96B below $1B minimum

Earnings

B
B
M
M
2/4 beats
Next Earnings2026-08-10 (62d)

Verdict History

reverse chrono — latest first
Loading history...
Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is TRUP stock a buy right now?

Hold if already holding. Not a fresh buy at $22.61, but acceptable to hold if already in. Reason: Market cap $0.96B below $1B minimum. Chart setup: Death cross but MACD improving, RSI 54. Market cap $0.96B below $1B minimum. Not in investable universe. Target $33.79 (+49.4%), stop $20.84 (−8.5%), A.R:R 6.6:1. Score 5.0/10, moderate confidence.

What is the TRUP stock price target?

Take-profit target: $33.79 (+50.8% upside). Target $33.79 (+49.4%), stop $20.84 (−8.5%), A.R:R 6.6:1. Stop-loss: $20.84.

What are the risks of investing in TRUP?

Market cap $0.96B below $1B minimum.

Is TRUP overvalued or undervalued?

Trupanion, Inc. trades at a P/E of 37.4 (forward 5.1). TrendMatrix value score: 7.7/10. Verdict: Hold.

What do analysts say about TRUP?

12 analysts cover TRUP with a consensus score of 4.0/5. Average price target: $40.

What does Trupanion, Inc. do?Trupanion, Inc., together with its subsidiaries, provides medical insurance for cats and dogs on subscription basis in...

Trupanion, Inc., together with its subsidiaries, provides medical insurance for cats and dogs on subscription basis in the United States, Canada, Continental Europe, 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.

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