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Trupanion (TRUP)
NASDAQ:TRUP
US Market

Trupanion (TRUP) Ratios

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Trupanion Ratios

TRUP's free cash flow for Q4 2025 was $0.30. For the 2025 fiscal year, TRUP's free cash flow was decreased by $ and operating cash flow was $0.03. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
1.07 1.07 1.71 1.63 1.62
Quick Ratio
1.07 1.07 1.71 1.63 1.62
Cash Ratio
0.34 0.34 0.46 0.43 0.23
Solvency Ratio
0.07 0.07 0.01 -0.07 -0.09
Operating Cash Flow Ratio
0.22 0.22 0.14 0.05 -0.03
Short-Term Operating Cash Flow Coverage
8.95 8.95 35.77 13.81 -7.25
Net Current Asset Value
$ -91.14M$ -91.14M$ 113.74M$ 82.86M$ 102.77M
Leverage Ratios
Debt-to-Assets Ratio
0.12 0.12 0.16 0.16 0.10
Debt-to-Equity Ratio
0.29 0.29 0.40 0.42 0.23
Debt-to-Capital Ratio
0.23 0.23 0.29 0.30 0.19
Long-Term Debt-to-Capital Ratio
0.21 0.21 0.28 0.30 0.18
Financial Leverage Ratio
2.38 2.38 2.50 2.58 2.20
Debt Service Coverage Ratio
2.06 2.06 1.35 -1.50 -5.49
Interest Coverage Ratio
0.94 1.60 -0.66 -3.37 -10.08
Debt to Market Cap
0.10 0.07 0.06 0.10 0.04
Interest Debt Per Share
2.97 2.92 3.40 3.40 1.81
Net Debt to EBITDA
-0.51 -0.51 -1.47 0.91 -0.13
Profitability Margins
Gross Profit Margin
19.46%28.51%13.91%11.82%13.50%
EBIT Margin
2.48%2.48%0.38%-2.97%-4.41%
EBITDA Margin
3.58%3.58%1.66%-1.85%-3.20%
Operating Profit Margin
0.90%1.53%-0.74%-3.67%-4.75%
Pretax Profit Margin
1.53%1.53%-0.75%-4.06%-4.88%
Net Profit Margin
1.35%1.35%-0.75%-4.03%-4.94%
Continuous Operations Profit Margin
1.35%1.35%-0.75%-4.03%-4.94%
Net Income Per EBT
88.36%88.36%99.95%99.24%101.08%
EBT Per EBIT
169.28%100.00%101.30%110.76%102.78%
Return on Assets (ROA)
2.12%2.12%-1.19%-5.71%-6.65%
Return on Equity (ROE)
5.39%5.06%-2.98%-14.72%-14.63%
Return on Capital Employed (ROCE)
2.57%4.35%-2.08%-9.27%-11.26%
Return on Invested Capital (ROIC)
2.23%3.77%-2.07%-9.17%-11.22%
Return on Tangible Assets
2.28%2.28%-1.27%-6.20%-7.38%
Earnings Yield
1.81%1.21%-0.47%-3.54%-2.31%
Efficiency Ratios
Receivables Turnover
4.77 4.77 4.69 4.14 3.89
Payables Turnover
70.49 62.57 95.98 93.06 82.67
Inventory Turnover
0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
13.73 13.73 12.58 10.70 9.98
Asset Turnover
1.57 1.57 1.59 1.42 1.35
Working Capital Turnover Ratio
9.36 10.36 5.53 5.58 5.22
Cash Conversion Cycle
71.39 70.74 73.99 84.28 89.31
Days of Sales Outstanding
76.57 76.57 77.80 88.20 93.73
Days of Inventory Outstanding
0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
5.18 5.83 3.80 3.92 4.41
Operating Cycle
76.57 76.57 77.80 88.20 93.73
Cash Flow Ratios
Operating Cash Flow Per Share
2.12 2.08 1.15 0.45 -0.20
Free Cash Flow Per Share
1.78 1.75 0.91 <0.01 -0.62
CapEx Per Share
0.33 0.33 0.23 0.44 0.42
Free Cash Flow to Operating Cash Flow
0.84 0.84 0.80 0.02 3.14
Dividend Paid and CapEx Coverage Ratio
6.33 6.33 4.97 1.02 -0.33
Capital Expenditure Coverage Ratio
6.33 6.33 4.97 1.02 -0.47
Operating Cash Flow Coverage Ratio
0.80 0.80 0.37 0.14 -0.12
Operating Cash Flow to Sales Ratio
0.06 0.06 0.04 0.02 >-0.01
Free Cash Flow Yield
6.84%4.69%1.90%0.03%-1.29%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
55.18 82.61 -210.95 -28.29 -43.37
Price-to-Sales (P/S) Ratio
0.77 1.12 1.58 1.14 2.14
Price-to-Book (P/B) Ratio
2.79 4.18 6.29 4.16 6.35
Price-to-Free Cash Flow (P/FCF) Ratio
14.62 21.30 52.68 3.53K -77.23
Price-to-Operating Cash Flow Ratio
11.98 17.94 42.08 67.83 -242.20
Price-to-Earnings Growth (PEG) Ratio
1.93 -0.28 2.68 15.56 -1.84
Price-to-Fair Value
2.79 4.18 6.29 4.16 6.35
Enterprise Value Multiple
20.84 30.61 93.81 -60.81 -66.93
Enterprise Value
1.08B 1.58B 2.00B 1.25B 1.94B
EV to EBITDA
20.84 30.61 93.81 -60.81 -66.93
EV to Sales
0.75 1.10 1.56 1.12 2.14
EV to Free Cash Flow
14.27 20.95 51.87 3.48K -77.38
EV to Operating Cash Flow
12.01 17.65 41.43 66.83 -242.68
Tangible Book Value Per Share
7.58 7.46 6.48 5.82 5.87
Shareholders’ Equity Per Share
9.08 8.94 7.67 7.33 7.49
Tax and Other Ratios
Effective Tax Rate
0.12 0.12 <0.01 <0.01 -0.01
Revenue Per Share
34.04 33.50 30.50 26.75 22.20
Net Income Per Share
0.46 0.45 -0.23 -1.08 -1.10
Tax Burden
0.88 0.88 1.00 0.99 1.01
Interest Burden
0.62 0.62 -1.98 1.37 1.11
Research & Development to Revenue
0.03 0.03 0.02 0.02 0.03
SG&A to Revenue
0.05 0.05 0.05 0.05 0.04
Stock-Based Compensation to Revenue
0.03 0.03 0.03 0.03 0.04
Income Quality
4.60 4.60 -5.01 -0.42 0.18
Currency in USD