Trupanion
Financial ratios & Valuation

Forward Multiples (2025 – 2027)

202520262027
Price/Earnings ratio
-499.791.30K114.23
Price/Sales ratio
1.401.321.14
Earnings per Share (EPS)
$-0.09$0.03$0.42

Historical Multiples (2014 – 2023)

2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 TTM Median
Valuation Ratios
Price/Earnings ratio
-9.10-15.67-64.20-576.21-877.81-717.42-735.04-149.15-43.37-28.28-40.43-877.81
Price/Sales ratio
1.661.832.353.562.673.388.557.582.141.141.993.38
Price/Book Value ratio
3.255.949.9017.886.299.4812.6215.956.344.165.919.48
Price/Cash Flow ratio
-17.85-25.8788.4489.5964.1780.32199.25710.55-242.1967.83-225.7680.32
Price/Free Cash Flow ratio
-11.73-17.60144.45132.52-17.23120.34304.59-1.08K-77.233.53K-71.99120.34
Price/Earnings Growth ratio
0.100.851.047.3020.45-8.96-3.55-0.32-1.8315.551.741.74
Dividend Yield
N/AN/AN/AN/AN/AN/AN/AN/A0.35%N/AN/AN/A
Profitability Indicator Ratios
Gross Profit Margin
17.14%17.16%17.68%17.74%16.89%16.91%16.31%14.92%13.49%11.81%13.49%16.91%
Operating Profit Margin
-13.75%-11.41%-3.55%-1.08%-0.34%-0.07%-0.86%-5.01%-4.72%-3.66%-4.74%-0.07%
Pretax Profit Margin
-18.27%-11.62%-3.64%-0.79%-0.30%-0.42%-1.14%-5.03%-4.88%-4.06%-4.88%-0.42%
Net Profit Margin
-18.27%-11.70%-3.66%-0.61%-0.30%-0.47%-1.16%-5.08%-4.93%-4.03%-4.93%-0.47%
Effective Tax Rate
0.03%-0.66%-0.55%22.16%0.74%-10.30%-1.97%-0.88%-1.07%0.75%-1.14%-10.30%
Return on Assets
-21.54%-24.26%-8.37%-1.41%-0.44%-0.70%-1.17%-6.31%-6.65%-5.70%-6.65%-0.70%
Return On Equity
-35.72%-37.93%-15.42%-3.10%-0.71%-1.32%-1.71%-10.69%-14.63%-14.71%-14.24%-1.32%
Return on Capital Employed
-21.04%-35.46%-12.95%-4.40%-0.72%-0.17%-1.24%-10.33%-11.19%-9.27%-11.23%-0.17%
Liquidity Ratios
Current Ratio
3.752.272.131.881.861.732.24N/AN/AN/A1.611.73
Quick Ratio
3.752.272.131.881.861.732.241.741.611.631.571.73
Cash ratio
2.350.760.770.560.420.310.930.390.220.420.220.31
Days of Sales Outstanding
24.8320.3519.6130.6337.9051.7272.0286.2793.7288.2093.7237.90
Days of Inventory outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Operating Cycle
24.8320.3519.6130.6337.9051.7272.0286.2793.7288.2023.1151.72
Days of Payables Outstanding
7.453.864.724.963.994.675.265.494.413.924.413.99
Cash Conversion Cycle
17.3716.4914.8925.6633.9047.0466.7680.7789.3184.2889.3133.90
Debt Ratios
Debt Ratio
0.15N/A0.050.080.060.10N/AN/A0.100.160.540.06
Debt Equity Ratio
0.25N/A0.100.190.090.19N/AN/A0.220.421.190.09
Long-term Debt to Capitalization
0.20N/A0.090.160.090.16N/AN/A0.180.290.180.09
Total Debt to Capitalization
0.20N/A0.090.160.090.16N/AN/A0.180.290.180.09
Interest Coverage Ratio
-2.37-51.61-30.72-4.95-0.87-1.16-4.14N/AN/AN/A-10.05-1.16
Cash Flow to Debt Ratio
-0.72N/A1.051.030.980.61N/AN/A-0.110.14-0.110.61
Company Equity Multiplier
1.651.561.842.181.601.881.461.692.192.572.191.60
Cash Flow Ratios
Operating Cash Flow / Sales Ratio
-0.09-0.070.020.030.040.040.040.01-0.000.01-0.000.04
Free Cash Flow / Operating Cash Flow Ratio
1.521.460.610.67-3.720.660.65-0.653.130.013.13-3.72
Cash Flow Coverage Ratio
-0.72N/A1.051.030.980.61N/AN/A-0.110.14-0.110.61
Short Term Coverage Ratio
N/AN/AN/AN/AN/AN/AN/AN/A-7.2513.80-7.25N/A
Dividend Payout Ratio
N/AN/AN/AN/AN/AN/AN/AN/A-15.53%N/AN/AN/A