Oversold

TRUP

Same as last week
Valuation67/ 100
Cash flow & growth68/ 100
Upside potential47/ 100
Risk potential46/ 100

TRUP's valuation is historically cheap, fundamentals are above averages and forward estimates point to earnings and revenue growth, though analyst coverage is limited and estimates vary widely.

Valuation

Historical cheapness: current PE is 47× versus the full-history median of 96.6× shown in the valuation table, producing 66.2/100. Positive weekly observations receive equal weight; lower past EPS alone does not disqualify them.

Outlook-adjusted valuation: 66.9/100. The model applies a 28% earnings-growth assumption and a 10% annual return hurdle, with positive credit limited by evidence coverage and confidence.

Forward price scenarios use recent PE history separately. Recent history has a separately weighted median of 59.6× (18-month half-life). A reliable earnings-based price target is unavailable. A return to the full-history median is not assumed.

Cash flow & growth

Business trends are strong. Over the past year: revenue +11.8%, earnings +105.7%, operating margin +1.4 percentage points. The business score is 67.6/100. Growth, margins and cash generation drive the score. Missing or older data receives less weight.

Favorable scenario

Business trends and outlook support upside. Price history provides the reference because earnings are difficult to compare.

The calculation starts with the stock’s typical weekly price movements, adjusted for business performance and outlook. Unusually large jumps have less influence. The result is 40.4% upside, or about $34.95.

This is a scenario based on our model, not a forecast or probability.

Downside scenario

Historical price swings are the main risk driver, even without a sharp profit decline.

The stock’s historical price swings drive this figure. Price history and operating stress provide the reference because comparable earnings do not support a future PE target. Operating stress reflects revenue, earnings, margins, outlook and relevant debt exposure. The larger stress gives 46.2% downside, or about $13.39, with a 15% minimum.

This is a scenario based on our model, not a forecast or probability.

TRUP vs Historical averages

MetricCurrentAverageRelative
PE47x337x86% lower
PE percentile225057% lower
EPS$0.53-$0.51$1.04 higher
FCF$82.2M$14.3M476% higher
Loading historical comparisons…

TRUP’s earnings and cash flow are above their historical averages, while its earnings multiple is lower.

TRUP Forward outlook

MetricOutlook
Forward valuationImproving
Forward earningsStrong growth
Forward revenueGrowth
Forward profitabilityStable
Analyst coverageLimited
Estimate dispersionWide

TRUP’s outlook is generally improving, though analyst coverage is limited.

TRUP PE Valuation

Loading pe valuation table…

This table applies TRUP's historical price-to-earnings (PE) landmarks to current earnings. The implied prices are valuation scenarios, not price forecasts or targets.

TRUP Earnings Per Share

Loading earnings per share…

This chart tracks TRUP's trailing twelve-month diluted earnings per share, calculated from four consecutive reported quarters to reduce seasonal noise.

TRUP Quarterly Revenue

Loading quarterly revenue…

This chart tracks TRUP's quarterly revenue over time and shows how sales are changing from year to year.

TRUP Free Cash Flow

Loading free cash flow…

This chart tracks TRUP's free cash flow over time, showing whether the business is consistently generating cash after operating costs and capital spending.

TRUP Total Shares

Loading shares over time…

This chart tracks changes in TRUP's diluted share count. A rising count can dilute existing owners, while a falling count often reflects share repurchases.

TRUP Net Leverage

Loading net leverage…

Quarterly Net Leverage uses the last 12 months of EBITDA. A falling multiple generally indicates less debt relative to earnings capacity. Negative values mean net cash; missing data or nonpositive LTM EBITDA are N/A. The table shows each period’s Net Leverage and status.

TRUP PE vs Financial Services Sector

Loading pe vs sector average…

This chart compares TRUP's price-to-earnings (PE) ratio with the Financial Services sector average. A discount or premium can reflect differences in expected growth, profitability, or risk.

TRUP Weekly Price

Loading weekly price…

This chart uses TRUP's weekly closing prices to show the longer-term trend. The lower panes show weekly RSI and Stochastic momentum.

TRUP Weekly Moving Averages

Loading weekly moving averages…

This chart compares TRUP's 8, 20, 50, 100, and 200-week moving averages from 2020 onward. Shorter averages react faster to price changes, while longer averages show the broader trend.

TRUP Yearly ROI

Loading yearly ROI…

Each line starts at 0% using the year’s first dependable weekly close and tracks the return through December, or through the latest available week for the current year.