TRUP
Trupanion, Inc.
HOSPITAL & MEDICAL SERVICE PLANS
Trupanion (TRUP) Stock: Buy, Sell, or Hold?
$34.30
-0.06 (-0.17%)
▼
5d:
-1.21%
30d:
+28.32%
90d:
+12.09%
QUANTITATIVE VERDICT
WAIT
LOW Confidence (23%)
Quality Score
31/100
Position
EXTENDED
30-Day Fair Range
$26.21 – $33.07
Position: EXTENDED
Forward P/E & Valuation
8.1x
STRETCHED
vs 6.7x historical avg
Wall Street Target
$36.75
+7.1% upside
Options IV & Volume
HIGH Vol
HIGH volume confirmation
Support / Resistance
$29.75 / $38.87
Trend: Uptrend
Executive Thesis & Bottom Line
Forward Earnings Fair Value & Price Prediction →
📊 MIXED SIGNALS: TRUP shows conflicting indicators. Wait for confirmation before entering.
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Interactive Price Chart (1 Month)
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Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$35.91
Based on 4.7% avg growth
INTRINSIC VALUE TODAY
$22.30
Trading above historical range
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 6.7x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: TRUP is currently trading at $34.30, which is considered extended relative to its 30-day fair value range of $26.21 to $33.07. From a valuation perspective, the stock is trading at a premium (Forward PE: 8.1) compared to its historical average (6.7). At these levels, the market is pricing in 6.2% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, TRUP is in a uptrend. Immediate support is located at $29.75, while resistance sits at $38.87.
Market Sentiment: TRUP scores 0/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, TRUP is in a uptrend. Immediate support is located at $29.75, while resistance sits at $38.87.
Market Sentiment: TRUP scores 0/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$26.21 -
$33.07
Company Quality Score
31/100
(SELL)
Volume Confirmation
HIGH
Confidence Score
22.9%
Trading Range & Key Levels
30-Day Trading Range
$26.21 -
$33.07
Current vs Trading Range
EXTENDED
Support Level
$29.75
Resistance Level
$38.87
Current Trend
Uptrend
Technical data as of
Nov 12, 2026
Quantitative Signal Breakdown
- BEARISH: Price extended above range
- BEARISH: Weak technical setup (0/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($36.75)
- NEUTRAL: Trading at premium valuation - market expects 6.2% growth which is achievable
- WARNING: Composite score 31/100 in the bottom quintile — this cohort historically lags the market
Fundamental Context
Forward P/E (Next Year Est.)
8.05
Wall Street Target
$36.75
(+7.1%)
Revenue Growth (YoY)
10.5%
Earnings Growth (YoY)
61.5%
Profit Margin
1.7%
Valuation Premium vs History
+6.2% premium
PE vs Historical
8.1 vs 6.7
STRETCHED
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+6.2%
(market-implied from PE analysis)
1-Year Target
$36.43
(+6%)
2-Year Target
$38.69
(+13%)
3-Year Target
$41.08
(+20%)
3-Yr Target (if PE normalizes)
(PE: 8→7)
PE COMPRESSION
$34.19
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 5.4%)
$99.19
(+189%)
Base:
(SPY PE: 8.1, Growth: 5.4%)
$40.21
(+17%)
Bear:
(PE: 6.7, Growth: 5.4%)
$33.46
(-2%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (56x PE), but valuation improves significantly next year (8x PE) as earnings recover.
Trailing PE: 56.33 | Current EPS (TTM): $0.61
Bull Case
$75.59
(+120%)
Analyst growth 100.0%, PE expands to 62.0
Base Case
$68.72
(+100%)
Market implied 100.0%, PE stable at 56.3
Bear Case
$23.36
(-32%)
Severe decline -20.0%, PE contracts to 47.9
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
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bloggers & journalists: you are free to use our charts with attribution.Reddit & Retail Trader Sentiment (TRUP)
Bullish
2 Retail Mentions
Reddit / WSB Comments
1
Bullish
StockTwits Volume
1 msgs
24h retail stream
Last Tracked
Sep 28, 2026
Daily AI digest
AI Retail Discussion Summary:
A bullish trader on StockTwits identified a potential bullish engulfing candlestick pattern for $TRUP, signaling a potential reversal from the downtrend.
Key Retail Themes:
Technical Analysis
Aggregated from r/wallstreetbets, r/stocks & StockTwits streams.
View All Trending Reddit & WSB Stocks →
Last updated: November 12, 2026 7:46 PM ET
Data refreshes hourly during market hours. Next update: 8:46 PM
Data refreshes hourly during market hours. Next update: 8:46 PM
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Technical Signals Check
Is TRUP showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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