Trupanion, Inc. (TRUP) Stock Analysis

Q: What is the TRUP stock price target?

Take-profit $33.79 (+50.5% upside). Target $33.79 (+50.5%), stop $21.26 (−5.6%), A.R:R 4.1:1.

Q: What are the risks of investing in TRUP?

Market cap $0.98B below $1B minimum; Market cap $0.98B below $1B minimum; Momentum score 1.5/10 — below 4.5 minimum.

Q: Is TRUP overvalued or undervalued?

Trupanion, Inc. trades at a P/E of 38.1 (forward 5.2). TrendMatrix value score: 7.6/10. Overall verdict: Hold.

Q: What do analysts say about TRUP?

12 analysts cover TRUP with a consensus score of 4.0/5. Average price target: $40.

Q: What does Trupanion, Inc. do?

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.

Falling Knife setup

HoldVALUE-TRAP 1/5Moderate ConfidenceUpdated 1 days ago (May 19, 2026, 7:26 AM ET)

Financial Services · Insurance - Property & Casualty

Hold if already holding. Not a fresh buy at $22.45, but acceptable to hold if already in. Reason: Market cap $0.98B below $1B minimum.

$22.45+50.5% A.UpsideScore 4.8/10#24 of 29 Insurance - Property & Casualty

QualityF-score8 / 9FCF yield-1.39%

Stop $21.26Target $33.79(analyst − 15%)A.R:R 4.1:1

Analyst target$39.75+77.1%4 analysts

$33.79our TP

$22.45price

$39.75mean

$52

Hold if already holding. Not a fresh buy at $22.45, but acceptable to hold if already in. Reason: Market cap $0.98B below $1B minimum. Chart setup: Death cross, below all MAs, RSI 36, MACD bearish. Market cap $0.98B below $1B minimum. Not in investable universe. Score 4.8/10, moderate confidence.

Passes 7/9 gates (favorable risk/reward ratio, clean insider activity, no SEC red flags, news events none recent, earnings proximity 83d clear, semi cycle peak clear, materials cycle peak clear). Fails on weak momentum and death cross (50MA < 200MA). Suitability: aggressive.

Recent Developments — Trupanion, Inc.

Latest news

Trupanion Sees Q2 Sales $386.000M-$392.000M vs $389.182M Est — benzinga Apr 30, 2026 neutral
Trupanion Narrows FY2026 Sales Guidance from $1.550B-$1.582B to $1.556B-$1.581B vs $1.577B Est — benzinga Apr 30, 2026 neutral
Trupanion Q1 2026 Earnings Call Transcript — benzinga Apr 30, 2026 neutral
Trupanion Q1 EPS $0.11 Beats $0.07 Estimate, Sales $384.049M Beat $379.782M Estimate — benzinga Apr 30, 2026 positive
Earnings Scheduled For April 30, 2026 — benzinga Apr 30, 2026 neutral

Generated 2026-05-20T21:06:21Z.

Thesis

Rewards

No bull case signals

Risks

Market cap $0.98B below $1B minimum

Key Metrics

P/E (TTM)38.1

P/E (Fwd)5.2

Mkt Cap$979M

EV/EBITDA19.1

Profit Mgn1.7%

ROE7.1%

Rev Growth12.3%

Beta1.49

DividendNone

Rating analysts12

Quality Signals

Piotroski F8/9MoatNarrow

Options Flow

P/C4.14bearish

IV62%elevated

Max Pain$15-33.2% 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

Value7.615%1.14

Quality3.015%0.45

Growth5.615%0.84

Momentum1.510%0.15

Sentiment7.110%0.71

Insider Activity3.910%0.39

Peer Rank3.410%0.34

Technical Setup5.95%0.30

Risk Profile3.15%0.16

Catalyst5.85%0.29

Overall (Σ contributions)4.76

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

Obv

1.0

Ma Position

1.0

Volume

1.9

Rsi

3.5

Volume distribution (falling OBV)Below 200-MA, MA slope -10.0%/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

Operating Margin

0.5

Net Margin

0.9

Roa

1.0

Roe

2.4

Current Ratio

6.2

Moat

6.4

Piotroski F

8.9

Earnings quality RED FLAG: -53% FCF/NIStrong 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

0.9

Value Rank

5.0

Growth Rank

7.6

GatesMomentum 1.5<4.5Death cross (50MA < 200MA)A.R:R 4.1 ≥ 1.5Insider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTEARNINGS PROXIMITY 83d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARFalling KnifeSuitability: Aggressive

RSI

36 · Neutral

↓ 20D MA↓ 50D MA↓ 200D MADEATH CROSSSupport $21.92Resistance $29.45

Price Targets

$21

$34

A.Upside+50.5%

A.R:R4.1:1

Position Sizing

ConvictionNone

Suggested %0.5%

Max %1%

RegimeSteady

Risk Alerts

! Market cap $0.98B below $1B minimum

! Momentum score 1.5/10 — below 4.5 minimum

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

Earnings

2/4 beats

Next Earnings2026-08-10 (83d)

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?

Hold if already holding. Not a fresh buy at $22.45, but acceptable to hold if already in. Reason: Market cap $0.98B below $1B minimum. Chart setup: Death cross, below all MAs, RSI 36, MACD bearish. Market cap $0.98B below $1B minimum. Not in investable universe. Target $33.79 (+50.5%), stop $21.26 (−5.6%), A.R:R 4.1:1. Score 4.8/10, moderate confidence.

What is the TRUP stock price target?

Take-profit target: $33.79 (+50.5% upside). Target $33.79 (+50.5%), stop $21.26 (−5.6%), A.R:R 4.1:1. Stop-loss: $21.26.

What are the risks of investing in TRUP?

Market cap $0.98B below $1B minimum.

Is TRUP overvalued or undervalued?

Trupanion, Inc. trades at a P/E of 38.1 (forward 5.2). TrendMatrix value score: 7.6/10. Verdict: Hold.

What do analysts say about TRUP?

12 analysts cover TRUP with a consensus score of 4.0/5. Average price target: $40.

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.