Trupanion (TRUP) Stock: Buy, Sell, or Hold?
TRUP - Trupanion, Inc.
$24.89
-0.11 (-0.44%)
▼
5d:
-13.55%
30d:
-17.91%
90d:
+6.87%
HOLD
MODERATE Confidence
Analysis Updated: Sep 11, 2026 12:00 AM ET
Earnings: Nov 05, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: TRUP shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
📊 HOLD: TRUP shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$36.44
Based on 4.7% avg growth
INTRINSIC VALUE TODAY
$22.63
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 6.8x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: TRUP is currently trading at $24.89, which is considered oversold relative to its 30-day fair value range of $26.68 to $31.07. From a valuation perspective, the stock is trading at a discount (Forward PE: 5.8) compared to its historical average (6.8). Remarkably, the market is currently pricing in an annual earnings decline of 4.9% over the next few years. This aligns with recent fundamental challenges.
Technical Outlook: Technically, TRUP is in a uptrend. The price is currently testing key support at $24.50. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock scores a mixed 50/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $34.25 (+37.6%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, TRUP is in a uptrend. The price is currently testing key support at $24.50. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock scores a mixed 50/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $34.25 (+37.6%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$26.68 -
$31.07
Company Quality Score
57/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
79.5%
All Signals
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (50/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 37.6% below Wall St target ($34.25)
- NEUTRAL: Bottoming setup forming (50/100) — watch for confirmation
- CAUTION: 5-day price weakness (-13.5%) - monitor closely
Trading Range Analysis
30-Day Trading Range
$26.68 -
$31.07
Current vs Trading Range
OVERSOLD
Support & Resistance Levels
Support Level
$24.50
Resistance Level
$30.33
Current Trend
Uptrend
Technical data as of
Sep 11, 2026
Fundamental Context
Forward P/E (Next Year Est.)
5.84
Wall Street Target
$34.25
(+37.6%)
Revenue Growth (YoY)
11.1%
Earnings Growth (YoY)
-28.9%
Profit Margin
1.5%
Valuation Discount vs History
-4.9% cheaper
PE vs Historical
5.8 vs 6.8
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-4.9%
(market-implied from PE analysis)
1-Year Target
$23.67
(-5%)
2-Year Target
$22.51
(-10%)
3-Year Target
$21.41
(-14%)
3-Yr Target (if PE normalizes)
(PE: 6→7)
$24.91
(+0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.2, Growth: 5.4%)
$100.74
(+305%)
Base:
(SPY PE: 5.8, Growth: 5.4%)
$29.18
(+17%)
Bear:
(PE: 5.0, Growth: 5.4%)
$24.80
(0%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (47x PE), but valuation improves significantly next year (6x PE) as earnings recover.
Trailing PE: 47.17 | Current EPS (TTM): $0.53
Bull Case
$55.00
(+121%)
Analyst growth 100.0%, PE expands to 51.9
Base Case
$50.00
(+101%)
Market implied 100.0%, PE stable at 47.2
Bear Case
$17.00
(-32%)
Severe decline -20.0%, PE contracts to 40.1
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 5.8 to 6.8
Stabilization Target:
$28.97
(+16.4%)
PE Expansion Potential:
+16.4%
Share & Embed Analysis
Last updated: September 13, 2026 4:36 AM ET
Data refreshes hourly during market hours. Next update: 5:36 AM
Data refreshes hourly during market hours. Next update: 5:36 AM
🔥 Top Stocks Breaking Out Now
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Technical Signals Check
Is TRUP showing a specific setup today?
Insider Activity (6 Months)
0
Buys
1
Sells
Net
INSIDERS SELLING
Recent Transactions
John R Gallagher
SELL
430 shares
2026-03-30
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