Trupanion, Inc. (TRUP) Stock Analysis

Q: What is the TRUP stock price target?

Take-profit $35.91 (+46.6% upside). Prior stop was $23.18.

Q: Is TRUP overvalued or undervalued?

Trupanion, Inc. trades at a P/E of 55.7 (forward 5.9). TrendMatrix value score: 7.4/10. Overall verdict: Sell.

Q: What do analysts say about TRUP?

12 analysts cover TRUP with a consensus score of 4.0/5. Average price target: $42.

SellVALUE-TRAP 1/5Moderate ConfidenceUpdated 2026-04-30

Financial Services · Insurance - Property & Casualty

Earnings in 0 days (2026-04-30). Expect elevated volatility around the report — consider waiting for post-earnings price action before new entries.

$24.51+46.6% A.UpsideScore 5.0/10#27 of 29 Insurance - Property & Casualty

Stop $23.18Target $35.91(analyst − 15%)A.R:R 3.8:1

Analyst target$42.25+72.4%4 analysts

$35.91our TP

$24.51price

$42.25mean

$59

Sell if holding. Engine safety override at $24.51: Quality below floor (2.7 < 4.0) triggers a hard block regardless of the otherwise-positive setup — overall score 5.0/10 and A.R:R 3.8:1 is above the 1.5:1 BUY gate. Specifically: Elevated put/call ratio: 2.89; Below-average business quality; Negative price momentum. Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Score 5.0/10, moderate confidence.

Passes 4/7 gates (favorable risk/reward ratio, clean insider activity, no SEC red flags, semi cycle peak clear). Fails on weak momentum and death cross (50MA < 200MA) and earnings proximity 0d<=7d. Suitability: aggressive.

Thesis

Rewards

No bull case signals

Risks

Quality below floor (2.7 < 4.0)

Key Metrics

P/E (TTM)55.7

P/E (Fwd)5.9

Mkt Cap$1.1B

EV/EBITDA27.1

Profit Mgn1.4%

ROE5.5%

Rev Growth11.7%

Beta1.66

DividendNone

Rating analysts12

Quality Signals

Piotroski F8/9

Options Flow

P/C2.89bearish

IV89%elevated

Max Pain$65+165.2% vs spot

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

Rating Breakdown

3 floor-breakers

Overall = weighted sum of the 10 dimension scores. Fundamentals (Value/Quality/Growth) carry 45%; market signals (Momentum/Sentiment/Insider/Peer) carry 40%; structure (Technical/Risk/Catalyst) carries 15%.

DimensionScoreWeightContribution

Value7.415%1.11

Quality2.715%0.41

Growth7.715%1.16

Momentum1.310%0.13

Sentiment7.010%0.70

Insider Activity3.810%0.38

Peer Rank2.810%0.28

Technical Setup5.95%0.30

Risk Profile3.25%0.16

Catalyst6.95%0.35

Overall (Σ contributions)4.96

Small float-rounding may cause last-digit differences between this sum and the displayed Overall.

Price action weak — below key moving averages, no momentum carry. Needs a base before trend-continuation setups apply.static

Macd

0.0

Volume

0.0

Obv

1.0

Ma Position

1.0

Rsi

4.5

Volume distribution (falling OBV)Below 200-MA, MA slope -9.5%/30d — confirmed downtrend

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

Fcf Quality

0.0

Gross Margin

0.5

Roa

0.7

Net Margin

0.7

Operating Margin

0.9

Roe

1.8

Moat

5.0

Current Ratio

6.0

Piotroski F

8.9

Earnings quality RED FLAG: -120% FCF/NINo competitive moatStrong Piotroski F-Score: 8/9Quality concerns

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

Quality Rank

0.7

Value Rank

4.5

Growth Rank

6.2

GatesMomentum 1.3<4.5Death cross (50MA < 200MA)EARNINGS PROXIMITY 0d<=7dA.R:R 3.8 ≥ 1.5Insider activity: OKNo SEC red flagsSEMI CYCLE PEAK CLEARSuitability: Aggressive

RSI

50 · Neutral

↓ 20D MA↓ 50D MA↓ 200D MADEATH CROSSSupport $23.90Resistance $29.45

Price Targets

$23

$36

A.Upside+46.5%

A.R:R3.8:1

Position Sizing

ConvictionNone

Suggested %0.5%

Max %1%

RegimeSteady

Risk Alerts

! Quality below floor (2.7 < 4.0)

! Momentum score 1.3/10 — below 4.5 minimum

! Death cross — 50-day MA below 200-day MA

Earnings

3/4 beats

Next Earnings2026-04-30 (0d)

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?

Sell if holding. Engine safety override at $24.51: Quality below floor (2.7 < 4.0) triggers a hard block regardless of the otherwise-positive setup — overall score 5.0/10 and A.R:R 3.8:1 is above the 1.5:1 BUY gate. Specifically: Elevated put/call ratio: 2.89; Below-average business quality; Negative price momentum. Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Prior stop was $23.18. Score 5.0/10, moderate confidence.

What is the TRUP stock price target?

Take-profit target: $35.91 (+46.6% upside). Prior stop was $23.18. Stop-loss: $23.18.

What are the risks of investing in TRUP?

Quality below floor (2.7 < 4.0).

Is TRUP overvalued or undervalued?

Trupanion, Inc. trades at a P/E of 55.7 (forward 5.9). TrendMatrix value score: 7.4/10. Verdict: Sell.

What do analysts say about TRUP?

12 analysts cover TRUP with a consensus score of 4.0/5. Average price target: $42.

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.