Trupanion, Inc.
TRUPFinancial ServicesNASDAQInsurance - Property & Casualty
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Daily timeframePart of the financial services sector, Trupanion, Inc. (TRUP) is listed under Insurance - Property & Casualty. Valued at $1.21B, TRUP is a small-cap name in its sector. The company operates in two segments, Subscription Business and Other Business.
Market Cap
$1.21B
Beta
1.45
P/E (TTM)
52.45
P/E (Fwd)
6.53
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
-35.0%
Annual Financials
Cash vs Debt
Where TRUP stands vs its 150-day and 200-day moving averages
As of the September 1, 2026 close, TRUP finished 10.37% above its 150-day moving average ($26.41) and 1.11% above its 200-day moving average ($28.83). 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 September 1, 2026 close, TRUP's RSI(14) was 40.7, in neutral territory (between 30 and 70). The MACD histogram was negative, so short-term momentum leaned bearish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
Trupanion, Inc. holds $398.5M in cash against $106.9M in total debt, giving it a net cash position. This means the company could theoretically pay off all its debt and still have cash remaining. Free cash flow comes in at $11.5M, providing flexibility for reinvestment, buybacks, or dividends. Consistent free cash flow generation is often considered a sign of operational health. Return on equity stands at 6.1%, which is modest for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. 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. At over 50x earnings, TRUP carries valuation risk — any slowdown in growth expectations could lead to meaningful price adjustments. It is important to consider these factors alongside broader market conditions and individual financial goals when reviewing TRUP.