Stocktoria
TRUPANION, INC. TRUP
TRUPANION, INC. (TRUP) earns a Piotroski F-score of 2/9 (weak financial health), with an Altman Z″ in the grey zone. It does not currently pay a dividend.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Wall Street analyst consensus — a sentiment gauge, not our scoring.
Smart money · insiders, last 12 months
Open-market insider purchases minus sells (SEC Form 4) — real buying with their own money is a bullish “smart money” signal; grants and option exercises are excluded.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 2/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Altman Z″ components · grey zone
| Component | Value |
|---|---|
| Working capital / assets | 0.307 |
| Retained earnings / assets | -0.226 |
| EBIT / assets | 0.015 |
| Equity / liabilities | 0.723 |
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| TRUP | TRUPANION, INC. | 2/9 | 2.14 | — | +11.9% |
| CLOV | CLOVER HEALTH INVESTMENTS, CORP. /DE | 2/9 | -12.26 | — | +40.3% |
| ALHC | Alignment Healthcare, Inc. | 5/9 | -0.35 | — | +46.1% |
| OSCR | Oscar Health, Inc. | 4/9 | -2.18 | — | +27.5% |
| MOH | MOLINA HEALTHCARE, INC. | 4/9 | 3.6 | 25.4 | +11.7% |
| HUM | HUMANA INC | 5/9 | 5.1 | 38.8 | +10.1% |
| CNC | CENTENE CORP | 4/9 | 0.38 | — | +19.4% |
All Finance, Insurance & Real Estate companies →
About TRUPANION, INC.
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.
FAQ
Is TRUP financially healthy?
TRUPANION, INC.'s Piotroski F-score is 2/9 (8–9 is excellent, 0–3 weak), and its Altman Z″ distress score is in the grey zone.
Does TRUP pay a dividend?
No, TRUPANION, INC. does not currently pay a dividend.
What is the analyst price target for TRUP?
The average Wall-Street price target for TRUPANION, INC. is $39.75, about 31.1% above the recent price, from 4 analysts (consensus: buy).
Is TRUP a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on TRUPANION, INC.: a Piotroski F-score of 2/9, an Altman Z″ in the grey zone. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.