TORVANTA
Other · S&P 500 · data as of 2026-10-05

TRUP stock analysis: TRUP

TRUP (TRUP) is an S&P 500 company in Other. It grades weakest on value, profitability and momentum.

The model's view of TRUP · subscribers

Where TRUP ranks among the 1,500 U.S. stocks the model scores each trading day, its expected return, the evidence for and against it, and whether the model portfolio holds it. The grades below describe the company's data; they are not the model's view.

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What's happening with TRUP · updated 2026-10-05 · from prices and SEC filings

TRUP price performance

TRUP against the S&P 500, one year
-50%-25%+0%S&P 500 +18%TRUP -44%2025-09-292026-10-05
Year to date-34.2%S&P 500 +14.5% · behind by 48.8 pts
1 year-43.5%S&P 500 +17.0% · behind by 60.5 pts
3 years-1.9%S&P 500 +89.3% · behind by 91.2 pts
5 years-68.8%S&P 500 +91.3% · behind by 160.1 pts

Total returns with dividends reinvested.

TRUP factor grades

Each grade compares TRUP with the rest of its sector (A+ best, F worst); the numbers behind it are shown with the typical figure for its peers.

D+ValueP/E 46.4x (industry 20.1x)FCF yield 7.6% (industry 6.0%)
B+GrowthRevenue growth +12% (industry +8%)EPS growth +104% (industry +10%)
D+ProfitabilityOperating margin 1.6% (industry 9.6%)ROIC 5.8% (industry 10.1%)
DMomentum12-month change -43%From 52-wk high -44%

TRUP in plain numbers

TRUP key statistics

SectorOther
Industryn/a
IndexS&P 500
Market value$1.1B
Revenue growth (y/y)+12%
Free-cash-flow yield7.6%
Dividend yieldn/a
Next earnings (expected)2026-11-05
Valuation measures
Market value$1.1B
Enterprise value$1.0B
P/E (trailing)46.4x
Forward P/E (Torvanta estimate)38.1x
PEG (Torvanta estimate)1.75
Price / sales0.7x
Price / book2.6x
EV / revenue0.7x
EV / EBITDA26.1x
Financial highlights
Revenue, last 12 months$1.5B
EPS, last 12 months (GAAP)$0.53
Gross margin16.6%
Operating margin1.6%
Return on invested capital5.8%
Cash$149.4M
Total debt$106.9M
Debt / equity0.26x
Free cash flow, last 12 months$82.2M
Interest cover2.3x
Current ratio1.77x

Company figures from its latest SEC filings; market value and returns from end-of-day prices.

TRUP earnings trends

Revenue vs earnings
$0$98.2M$196.5M$294.7M$392.9MSep 2024 Revenue: $327.5MDec 2024 Revenue: $337.3MMar 2025 Revenue: $342.0MJun 2025 Revenue: $353.6MSep 2025 Revenue: $366.9MDec 2025 Revenue: $376.9MMar 2026 Revenue: $384.0MJun 2026 Revenue: $392.9MSep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026■ Revenue ■ Net income ━ Net margin
Earnings per share$-0.0$0.0$0.1$0.2$0.2Sep 2024 EPS (GAAP, diluted): $0.0Dec 2024 EPS (GAAP, diluted): $0.0Mar 2025 EPS (GAAP, diluted): $-0.0Jun 2025 EPS (GAAP, diluted): $0.2Sep 2025 EPS (GAAP, diluted): $0.1Dec 2025 EPS (GAAP, diluted): $0.1Mar 2026 EPS (GAAP, diluted): $0.1Jun 2026 EPS (GAAP, diluted): $0.2Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026■ EPS (GAAP, diluted) Change from a year earlier: Sep 2025 +333% · Dec 2025 +225% · Jun 2026 -27%

From the company's 10-Q and 10-K filings with the SEC.

TRUP financials (from SEC filings)

Fiscal yearFY2021FY2022FY2023FY2024FY2025
Revenue$699.0M$905.2M$1.1B$1.3B$1.4B
EPS (GAAP)$-0.89$-1.10$-1.08$-0.23$0.45
Free cash flow-$4.9M-$25.1M$358K$38.6M$75.4M

TRUP earnings history

ReportedEPS (GAAP)EPS y/yRevenue y/yStock vs S&P 500, 2 days
2026-08-05$0.16-27%+11%+14.6%
2026-04-30$0.11n/a+12%-4.3%
2026-02-12$0.13+225%+12%-12.0%
2025-11-06$0.13+333%+12%-8.2%
2025-08-07$0.22n/a+12%-0.3%
2025-05-01$-0.03n/a+12%+20.8%

About TRUP

HeadquartersSeattle, WA
Industry (SEC code)Hospital & Medical Service Plans
Fiscal year endsDecember 31
Incorporated inDE
Listed onNasdaq
FormerlyTRUPANION INC., VETINSURANCE INTERNATIONAL INC

From the company's SEC registration record.

Companies similar to TRUP

CompanyMarket valueP/ERevenue growthOperating margin12-month change
TRUP TRUP$1.1B46.4x+12%1.6%-43%
ENOV ENOV$1.1Bn/a+5%-45.1%-42%compare
AMPH AMPH$1.1B15.0x+1%15.7%-5%compare
LGIH LGIH$1.1B16.3x-17%n/a-13%compare
NPK NPK$1.1B25.4x+21%9.6%+30%
MMI MMI$1.1B77.4x+12%1.2%+1%
DEA DEA$1.1B120.8x+13%n/a+10%

All Other stock ratings

Frequently asked questions

Is TRUP stock a buy?

Torvanta does not tell individuals what to buy. Its grades for TRUP are shown above. Subscribers see the model's rank, expected return and whether the model portfolio holds it. This is research, not a recommendation.

What is TRUP's P/E ratio?

TRUP trades at about 46.4 times its last 12 months of GAAP earnings reported to the SEC, and about 38.1 times Torvanta's own estimate of the next 12 months.

When does TRUP report earnings next?

Based on its filing history, Torvanta expects TRUP to report around 2026-11-05.

How has TRUP performed against the S&P 500?

Over the past year TRUP returned -43.5%, against +17.0% for the S&P 500, dividends reinvested.

See the model's view

Subscribers get the model's rank and expected return for every covered company, the reasoning behind each, and the Torvanta model portfolio's trades each trading day, sized and explained, at three risk levels.

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Torvanta is research only - not investment advice and not a recommendation to buy or sell any security. Grades describe a company's reported data against its sector; they are not the model's view, change as data changes and can be wrong. Financial figures come from the company's SEC filings; returns include reinvested dividends. Past performance does not predict future results.

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