Trupanion Financials

TRUP Stock  USD 50.21  0.93  1.82%   
Based on the analysis of Trupanion's profitability, liquidity, and operating efficiency, Trupanion is not in a good financial situation at the present time. It has a very high chance of going through financial crunch in December. At this time, Trupanion's Accounts Payable is relatively stable compared to the past year. As of 11/07/2024, Cash is likely to grow to about 154.9 M, while Net Debt is likely to drop (19.5 M). Key indicators impacting Trupanion's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Current Ratio2.211.6317
Significantly Up
Very volatile
The essential information of the day-to-day investment outlook for Trupanion includes many different criteria found on its balance sheet. An individual investor should monitor Trupanion's cash flow, debt, and profitability to accurately make informed decisions on whether to invest in Trupanion.

Net Income

(42.46 Million)

  
Understanding current and past Trupanion Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Trupanion's financial statements are interrelated, with each one affecting the others. For example, an increase in Trupanion's assets may result in an increase in income on the income statement.

Trupanion Earnings Geography

Trupanion Stock Summary

Trupanion competes with First American, Assurant, NMI Holdings, MGIC Investment, and Essent. Trupanion, Inc., together with its subsidiaries, provides medical insurance for cats and dogs on a monthly subscription basis in the United States, Canada, Puerto Rico, and Australia. The company was founded in 2000 and is headquartered in Seattle, Washington. Trupanion operates under InsuranceSpecialty classification in the United States and is traded on NASDAQ Exchange. It employs 1131 people.
Specialization
Financial Services, Insurance - Specialty
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS8982021060
CUSIP898202106
LocationWashington; U.S.A
Business Address6100 4th Avenue
SectorInsurance
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.trupanion.com
Phone855 727 9079
CurrencyUSD - US Dollar

Trupanion Key Financial Ratios

Trupanion Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets257.2M498.3M562.6M671.6M782.9M822.1M
Other Current Liab35.0M51.8M67.8M76.4M97.3M102.2M
Other Liab2.7M7.2M6.7M8.4M9.6M10.1M
Net Debt(3.1M)(139.9M)(87.4M)3.9M(18.6M)(19.5M)
Retained Earnings(85.5M)(91.4M)(126.9M)(171.6M)(216.3M)(205.4M)
Accounts Payable4.1M6.1M9.0M9.5M10.5M11.0M
Cash29.2M139.9M87.4M65.6M147.5M154.9M
Long Term Debt9.3M12.9M26.1M68.4M127.6M134.0M
Net Receivables54.4M99.1M165.2M232.4M267.9M281.3M
Other Current Assets5.5M8.2M12.3M14.2M562.1M590.2M
Total Liab120.4M158.3M230.4M366.3M479.2M503.2M
Total Current Assets158.8M337.0M391.0M469.1M562.1M590.2M
Treasury Stock(6.2M)(10.7M)(10.8M)(16.5M)(14.9M)(14.1M)
Intangible Assets7.7M27.1M22.7M24.0M18.7M12.6M
Other Assets16.0M28.4M31.2M38.0M1.00.95
Net Tangible Assets129.0M339.9M276.8M305.3M351.1M368.6M
Capital Surpluse232.7M439.0M466.8M499.7M574.6M308.7M

Trupanion Key Income Statement Accounts

The reason investors look at the income statement is to determine what Trupanion's earnings per share (EPS) will be in order to see if they want to buy more shares or not. For example, if a company earned $20 million in the last quarter and has 100,000 shares outstanding, its EPS is 20 cents. If you find that this number beats analysts' forecasts or is higher than it was from the same period last year, then you might want to buy more of this stock even though its price per share may not have changed.
201920202021202220232024 (projected)
Interest Expense1.3M1.4M10K4.3M12.1M12.7M
Total Revenue383.9M502.0M699.0M905.2M1.1B1.2B
Gross Profit64.9M81.9M104.3M122.2M131.0M137.6M
Operating Income(291K)(4.3M)(35.0M)(42.7M)(40.7M)(38.6M)
Ebit5.2M(4.3M)(35.2M)(39.9M)(33.0M)(31.3M)
Research Development10.1M9.9M16.9M25.1M21.4M12.1M
Ebitda5.3M2.7M(23.2M)(29.0M)(20.5M)(19.5M)
Cost Of Revenue319.0M420.1M594.6M783.0M977.6M1.0B
Income Before Tax(1.6M)(5.7M)(35.2M)(44.2M)(45.0M)(42.8M)
Net Income(1.8M)(5.8M)(35.5M)(44.7M)(44.7M)(42.5M)
Income Tax Expense169K113K310K476K(342K)(324.9K)
Tax Provision169K113K310K476K(487K)(462.7K)
Net Interest Income(1.3M)(1.4M)(10K)(4.3M)(10.0M)(9.5M)

Trupanion Key Cash Accounts

201920202021202220232024 (projected)
Change To Inventory22.8M43.3M66.2M(1.9M)(2.2M)(2.1M)
Change In Cash2.6M115.6M(45.3M)(16.2M)81.9M86.0M
Free Cash Flow10.8M14.1M(4.9M)(25.1M)358K375.9K
Depreciation5.6M7.1M12.0M10.9M12.5M13.1M
Other Non Cash Items105K153K(1.9M)1.1M59.5M62.4M
Capital Expenditures5.4M7.5M12.4M17.1M18.3M11.9M
Net Income(1.8M)(5.8M)(35.5M)(44.7M)(44.7M)(42.5M)
End Period Cash Flow30.6M146.2M100.9M84.6M147.5M154.9M
Investments(19.7M)(21.2M)(37.8M)(33.8M)(5.5M)(5.7M)
Change Receivables(22.8M)(43.3M)(66.2M)(67.0M)(60.3M)(57.3M)
Net Borrowings13.2M(32.5M)68.6M(571K)(656.7K)(623.8K)
Dividends Paid17.0M16.1M12.2M6.9M14.8M8.2M
Change To Netincome7.0M9.1M26.3M34.4M39.6M41.6M

Trupanion Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Trupanion's current stock value. Our valuation model uses many indicators to compare Trupanion value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Trupanion competition to find correlations between indicators driving Trupanion's intrinsic value. More Info.
Trupanion is rated below average in return on equity category among its peers. It also is rated below average in return on asset category among its peers . At this time, Trupanion's Return On Equity is relatively stable compared to the past year. Comparative valuation analysis is a catch-all technique that is used if you cannot value Trupanion by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.

Trupanion Systematic Risk

Trupanion's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Trupanion volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was fourteen with a total number of output elements of fourty-seven. The Beta measures systematic risk based on how returns on Trupanion correlated with the market. If Beta is less than 0 Trupanion generally moves in the opposite direction as compared to the market. If Trupanion Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Trupanion is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Trupanion is generally in the same direction as the market. If Beta > 1 Trupanion moves generally in the same direction as, but more than the movement of the benchmark.

Trupanion Thematic Clasifications

Trupanion is part of Insurance Providers investing theme. If you are a theme-oriented, socially responsible, and at the same time, a result-driven investor, you can align your investing habits with your values without jeopardizing your expectations about returns. You can easily create an optimal portfolio of stocks, ETFs, funds, or cryptocurrencies based on a specific theme of your liking. All types of insurance and insurance brokerages. Companies providing all types of insurance and insurance services
Insurance ProvidersView
This theme covers All types of insurance and insurance brokerages. Companies providing all types of insurance and insurance services. Get More Thematic Ideas
Today, most investors in Trupanion Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Trupanion's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Trupanion growth as a starting point in their analysis.

Price Earnings To Growth Ratio

16.34

At this time, Trupanion's Price Earnings To Growth Ratio is relatively stable compared to the past year.

Trupanion November 7, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Trupanion help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Trupanion. We use our internally-developed statistical techniques to arrive at the intrinsic value of Trupanion based on widely used predictive technical indicators. In general, we focus on analyzing Trupanion Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Trupanion's daily price indicators and compare them against related drivers.

Additional Tools for Trupanion Stock Analysis

When running Trupanion's price analysis, check to measure Trupanion's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Trupanion is operating at the current time. Most of Trupanion's value examination focuses on studying past and present price action to predict the probability of Trupanion's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Trupanion's price. Additionally, you may evaluate how the addition of Trupanion to your portfolios can decrease your overall portfolio volatility.