Trupanion, Inc. (TRUP) P/E Ratio History
UndervaluedTrading at 60.1x vs 5Y avg 272.2x · 20th percentile · Below historical baseline · Data 2020–2026
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P/E Ratio Analysis
As of July 8, 2026, Trupanion, Inc. (TRUP) trades at a price-to-earnings ratio of 60.1x, with a stock price of $27.05 and trailing twelve-month earnings per share of $0.59.
The current P/E is 78% below its 5-year average of 272.2x. Over the past five years, TRUP's P/E has ranged from a low of 43.4x to a high of 896.8x, placing the current valuation at the 20th percentile of its historical range.
Compared to the Financial Services sector median P/E of 14.3x, TRUP trades at a 321% premium to its sector peers. The sector includes 800 companies with P/E ratios ranging from 0.0x to 157.0x.
Relative to the broader market, TRUP commands a significant premium over the S&P 500 median P/E of 25.9x. Investors should consider the company's growth prospects, competitive position, and earnings quality when evaluating whether the current valuation is justified.
For a comprehensive intrinsic value estimate using discounted cash flow analysis, see our TRUP DCF Valuation Calculator →
Note: P/E ratio is just one valuation metric. It does not account for balance sheet strength, cash flow quality, or growth sustainability. Always conduct comprehensive due diligence before making investment decisions.
TRUP Cross-Benchmark Valuation
How does the current P/E compare to sector peers and the broader market?
TRUP P/E vs Peers
Specialty Personal and Pet Insurance peers sorted by market cap
| Company | Market Cap | P/E Ratio | PEG Ratio | EPS Growth (1Y) |
|---|---|---|---|---|
| $641M | 11.9 | 9.44 | +93% | |
| $722M | 79.8 | - | +109% | |
| $137B | 12.2 | 0.83 | +34% | |
| $38B | 10.5Lowest | 0.46 | +29% | |
| $8B | 16.1 | 0.39Best | +22% | |
| $891M | 28.4 | - | +22% | |
| $740M | 12.8 | - | +235%Best |
Lower P/E can signal a discount or weaker growth expectations; PEG adds growth context.
TRUP Historical P/E Data (2020–2026)
Quarterly P/E ratios calculated from closing price and TTM EPS
| Quarter | Period End | Price | TTM EPS | P/E Ratio | vs Avg |
|---|---|---|---|---|---|
| FY2026 Q1 | - | $25.61 | $0.59 | 43.4x | -84% |
| FY2025 Q4 | Dec 31 2025 | $37.37 | $0.45 | 83.9x | -69% |
| FY2025 Q3 | - | $43.28 | $0.35 | 122.1x | -55% |
| FY2025 Q2 | Jun 30 2025 | $55.35 | $0.26 | 214.8x | -21% |
| FY2020 Q2 | - | $42.69 | $0.05 | 896.8x | +229% |
Average P/E for displayed period: 272.2x
Intrinsic Valuation
DCF models, multiple analysis, and analyst estimates.
Historical Returns
6+ years return with dividends reinvested.
DCA Calculator
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Peer Comparison
Compare growth, multiples, and margins vs sector.
TRUP — Frequently Asked Questions
Quick answers to the most common questions about buying TRUP stock.
What is TRUP's P/E ratio?
Trupanion, Inc. (TRUP) trailing twelve-month P/E ratio is 60.1x, based on TTM diluted EPS of $0.59. The 5-year average P/E is 272.2x and the historical range spans 43.4x to 896.8x.
Is TRUP stock overvalued or undervalued?
TRUP trades at 60.1x P/E, below its 5-year average of 272.2x. At the 20th percentile of its historical range (43.4x–896.8x), the stock is priced at a discount to its own history.
Is TRUP stock expensive?
No, TRUP is not expensive on a historical basis. The current P/E of 60.1x is below the 5-year average of 272.2x and sits at the 20th percentile of its valuation range.
What is TRUP's historical P/E range?
Over the past 5 years, TRUP's P/E ratio has ranged from 43.4x to 896.8x, with a median of 122.1x and an average of 272.2x. The current P/E of 60.1x places the stock at the 20th percentile of this range. Full historical data spans 2020–2026.
How does TRUP's P/E compare to the S&P 500?
TRUP trades at 60.1x P/E versus the S&P 500 median of 25.9x. The 132% premium to the market typically reflects higher expected earnings growth or quality.
How does TRUP's valuation compare to Financial Services peers?
Trupanion, Inc. P/E of 60.1x compares to the Financial Services sector median of 14.3x. The premium reflects expected growth above peers or stronger fundamentals. See the peer comparison table on this page for ticker-by-ticker P/E and PEG.
What is TRUP's PEG ratio?
TRUP PEG ratio is N/A, based on a P/E of 60.1x and EPS growth of 295.7%. PEG normalises P/E by growth and helps compare stocks with different earnings trajectories.
What is TRUP's earnings yield?
TRUP earnings yield is 1.66%, the inverse of its 60.1x P/E ratio. Earnings yield represents the percentage of each dollar invested that the company earns. It can be compared directly to bond yields to assess relative attractiveness of stocks versus fixed income.