Trupanion, Inc. (TRUP) Stock Forecast Oct. 16, 2026
Analysis updated on Oct. 16, 2026 (UTC) · Alpha · vs marketSwitch to Total · Nasdaq
Trupanion, Inc. (TRUP) stock forecast summary
Our AI ranks Trupanion, Inc. outside the neutral middle of its coverage (a directional signal). Create a free account and follow it to see the exact price target.
Trupanion, Inc. is a small-cap company with a market capitalization of $1.23B. It ranks number 10 by market capitalization among the 10 Hospital & Medical Service Plans issuers in our coverage with a current forecast. Its Current Ratio of 1.77x is the highest of the 10 peers that report one.
For TRUP, the Spearman rank correlation between our 90-day forecasts and the returns that followed is 37.0%, measured on 357 forecast dates between 2022-07-29 and 2026-07-17 on this stock's own recent history. A rank correlation runs from -100% to +100%: it measures whether higher forecasts were followed by higher returns, and a value near zero or below means the model has shown little skill on this stock. On the 30-day forecasts the same correlation is 31.0%, measured on 400 forecast dates between 2022-07-29 and 2026-09-16. Across our coverage, the out-of-sample test on 4495 stocks from 2025-01-06 to 2026-07-07 produced a positive net return in 82.5% of rebalance periods (factor-neutral book, net of estimated costs). Full backtest report
Expected return relative to the market over the horizon: a positive alpha means the model expects the stock to beat the market, whatever the market does. Ratings: strong buy ≥ +1.8%, buy ≥ +0.2%, sell < -0.9%, strong sell < -1.2% (top 15%, next 20%, middle 30%, next 20%, bottom 15% of the 2026-10-16 signals)
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How TRUP ranks among 5172 stocks
90D Alpha forecasts of every company scored, cut into five relative ratings at the 15th, 35th, 65th and 85th percentiles (dashed lines).
Trupanion, Inc. (TRUP) fundamentals
Trailing twelve months. The industry median and the rank (1 = highest) are taken over the Hospital & Medical Service Plans peers listed below that report each metric.
Valuation & Market
| Metric | TRUP | Rank |
|---|---|---|
| Market Cap | $1.23B | 10/10 |
| P/E Ratio | 72.11x | 2/7 |
| P/B Ratio | 3.01x | 5/10 |
| EPS | $0.39 | – |
| Book Value/Share | $9.34 | – |
| Revenue/Share | $34.66 | – |
| FCF/Share | $1.87 | – |
Profitability & Margins
| Metric | TRUP | Rank |
|---|---|---|
| ROE | 5.7% | 6/8 |
| ROA | 2.5% | 5/8 |
| ROIC | 4.6% | 7/10 |
| Gross Margin | 16.6% | 5/6 |
| Operating Margin | 1.6% | 6/10 |
| Net Margin | 1.5% | 5/8 |
| EBT Margin | 1.7% | 5/10 |
| Tax Rate | 11.5% | – |
Financial Health
| Metric | TRUP | Rank |
|---|---|---|
| Current Ratio | 1.77x | 1/10 |
| D/E Ratio | 1.27x | 9/10 |
| Financial Leverage | 2.27x | 9/10 |
| Interest Coverage | 3.5x | 8/9 |
| Working Capital | $314M | 7/10 |
Cash Flow
| Metric | TRUP | Rank |
|---|---|---|
| Operating Cash Flow | $94M | 9/10 |
| Free Cash Flow | $82M | 8/9 |
| Capital Spending | -$12M | 2/9 |
| OCF Growth YoY | 34.4% | 5/9 |
| FCF Growth YoY | 34.0% | 4/8 |
| FCF/Sales | 5.4% | 2/9 |
| CapEx/Sales | 0.8% | 1/9 |
Operational Efficiency
| Metric | TRUP | Rank |
|---|---|---|
| Asset Turnover | 1.63x | 7/10 |
| Fixed Assets Turnover | 15.0x | 10/10 |
| Payables Period | 3 days | – |
Income Statement
| Metric | TRUP | Rank |
|---|---|---|
| Total Revenue | $1.52B | 10/10 |
| Operating Income | $24M | 8/10 |
| Net Income | $23M | 6/8 |
| SG&A Expense | $241M | 8/8 |
| Cost of Goods Sold | $1.27B | 6/6 |
Dividend & Shareholder Information
| Metric | TRUP | Rank |
|---|---|---|
| Shares Outstanding | 44M | – |
| Net Income Growth | 110.8% | 1/7 |
| EPS Growth | 200.0% | 1/7 |
Balance Sheet Highlights (USD millions)
| Total Current Assets | $719M | 77.3% of assets |
| Cash & Short-term Investments | $149M | 16.0% of assets |
| Total Liabilities | $521M | 56.0% of assets |
| Short-term Debt | $394M | 42.3% of assets |
TRUP quarterly financials and insider trading
Trupanion, Inc. (TRUP) industry peers
Companies classified under the same SEC industry code as Trupanion, Inc. (Hospital & Medical Service Plans): 10 common-stock issuers with a forecast this week, one row per issuer, largest first. This is a classification match, not a curated list of competitors.
Reveal all forecasts · See exact % predictions for all competitors
Sign up free| Company | 90-Day AI Forecast (Alpha) | Market Cap |
|---|---|---|
| TRUP Trupanion, Inc. | ▼ | $1.23B |
| UNH Unitedhealth Group Inc | ▲ | $360.32B |
| ELV Elevance Health, Inc. | ▶ | $92.88B |
| CI Cigna Group | ▶ | $79.88B |
| HUM Humana Inc | ▲ | $49.70B |
| CNC Centene Corp | ▶ | $34.16B |
| MOH Molina Healthcare, Inc. | ▲ | $10.82B |
| OSCR Oscar Health, Inc. | ▲ | $9.84B |
| CLOV Clover Health Investments, Corp. /De | ▲ | $2.38B |
| ALHC Alignment Healthcare, Inc. | ▲ | $1.72B |
Where TRUP sits on the market map
Trupanion, Inc. (TRUP) stock news
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Trupanion, Inc. (TRUP) stock forecast FAQ
What is the Trupanion, Inc. (TRUP) stock forecast?
Our AI ranks Trupanion, Inc. outside the neutral middle of its coverage (a directional signal). Create a free account and follow it to see the exact price target.
How accurate are Trupanion, Inc. stock predictions?
For TRUP, the Spearman rank correlation between our 90-day forecasts and the returns that followed is 37.0%, measured on 357 forecast dates between 2022-07-29 and 2026-07-17 on this stock's own recent history. A rank correlation runs from -100% to +100%: it measures whether higher forecasts were followed by higher returns, and a value near zero or below means the model has shown little skill on this stock. On the 30-day forecasts the same correlation is 31.0%, measured on 400 forecast dates between 2022-07-29 and 2026-09-16. Across our coverage, the out-of-sample test on 4495 stocks from 2025-01-06 to 2026-07-07 produced a positive net return in 82.5% of rebalance periods (factor-neutral book, net of estimated costs). Full backtest report
How often are Trupanion, Inc. forecasts updated?
Trupanion, Inc. forecasts are refreshed on trading days as the daily model run completes. The forecast on this page was produced on Oct. 16, 2026.
Which companies are Trupanion, Inc.'s industry peers?
10 issuers in our coverage, TRUP included, share the SEC industry code Hospital & Medical Service Plans. The largest are: Unitedhealth Group Inc (UNH), Elevance Health, Inc. (ELV), Cigna Group (CI), Humana Inc (HUM), Centene Corp (CNC), Molina Healthcare, Inc. (MOH).
This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.