Trupanion, Inc.
TRUPFinancial ServicesNASDAQInsurance - Property & Casualty · Last scanned Oct 26, 2026
Scan Results
Daily timeframeTrupanion, Inc., together with its subsidiaries, provides medical insurance for cats and dogs on subscription basis in the United States, Canada, and Continental Europe. Valued at $1.29B, TRUP is a small-cap name in its sector. The company operates in two segments, Subscription Business and Other Business.
Market Cap
$1.29B
Beta
1.44
P/E (TTM)
55.32
P/E (Fwd)
6.88
EPS (TTM)
$0.53
EPS (Fwd)
$4.26
ROE
6.1%
ROA
1.8%
Cash
$398.5M
Total Debt
$106.9M
Free CF
$11.5M
52W Change
-32.6%
Annual Financials
Cash vs Debt
Where TRUP stands vs its 150-day and 200-day moving averages
As of the October 20, 2026 close, TRUP finished 7.46% above its 150-day moving average ($25.59) and 2.27% above its 200-day moving average ($26.89). This snapshot is end-of-day data shown with a five-trading-day delay on the free plan; Premium members see readings from the latest close.
Is TRUP overbought or oversold?
At the October 20, 2026 close, TRUP's RSI(14) was 82.6, in overbought territory (above 70). The MACD histogram was positive, so short-term momentum leaned bullish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
With $398.5M in cash and $106.9M in debt, TRUP maintains more liquidity than leverage. This favorable balance sheet position can be an asset when capital markets become less accommodating. Annual free cash flow of $11.5M supports ongoing capital allocation decisions and provides a cushion against unexpected expenses or downturns. ROE of 6.1% points to modest capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. ROA of 1.8% is on the lower side, which is common in asset-heavy industries. Revenue has grown from $905.2M (2022) to $1.44B (2025), reflecting a 59% increase over the period.
The strong cash position relative to debt provides a financial cushion that reduces balance sheet risk. The elevated P/E ratio means the stock is priced for significant future growth. If earnings disappoint, the price correction could be sharp. No single metric tells the full story. Reviewing TRUP's risk profile alongside its fundamentals and technical indicators provides a more complete picture.