Trupanion (TRUP) Stock: Buy, Sell, or Hold?
TRUP - Trupanion, Inc.
$29.48
-0.43 (-1.45%)
▼
5d:
+4.82%
30d:
+31.47%
90d:
+18.52%
WAIT
LOW Confidence
Analysis Updated: Oct 23, 2026 12:00 AM ET
Earnings: Nov 05, 2026
12d
Get Alerted When TRUP Hits Your Target Price
Join 10,000+ traders who never miss a move
You're in! Check your email to confirm and set your target price.
100% Free
No spam, ever
Unsubscribe anytime
Interactive Price Chart (1 Month)
Loading chart...
Loading historical data...
Bottom Line:
📊 MIXED SIGNALS: TRUP shows conflicting indicators. Wait for confirmation before entering.
📊 MIXED SIGNALS: TRUP shows conflicting indicators. Wait for confirmation before entering.
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 $29.48, which is considered extended relative to its 30-day fair value range of $23.60 to $27.66. The stock's valuation (Forward PE: 7.0) is in line with its historical norms (6.7). At these levels, the market is pricing in 1.7% annual earnings growth.
Technical Outlook: Technically, TRUP is in a uptrend. The price is approaching resistance at $30.05. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
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. Wall Street analysts see significant upside, with an average price target of $33.25 (+11.2%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, TRUP is in a uptrend. The price is approaching resistance at $30.05. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
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. Wall Street analysts see significant upside, with an average price target of $33.25 (+11.2%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$23.60 -
$27.66
Company Quality Score
34/100
(SELL)
Volume Confirmation
HIGH
Confidence Score
24.8%
All Signals
- BEARISH: Price extended above range (+6.6% above its trading range)
- BEARISH: Weak technical setup (0/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($33.25)
- BULLISH: Expecting earnings turnaround to 1.7% growth with 11.1% revenue growth
- WARNING: Composite score 34/100 in the bottom quintile — this cohort historically lags the market
Trading Range Analysis
30-Day Trading Range
$23.60 -
$27.66
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$25.40
Resistance Level
$30.05
Current Trend
Uptrend
Technical data as of
Oct 22, 2026
Fundamental Context
Forward P/E (Next Year Est.)
7.02
Wall Street Target
$33.25
(+11.2%)
Revenue Growth (YoY)
11.1%
Earnings Growth (YoY)
-28.9%
Profit Margin
1.5%
Valuation Premium vs History
+1.7% premium
PE vs Historical
7.0 vs 6.7
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+1.7%
(market-implied from PE analysis)
1-Year Target
$30.42
(+2%)
2-Year Target
$30.94
(+3%)
3-Year Target
$31.46
(+5%)
3-Yr Target (if PE normalizes)
(PE: 7→7)
PE COMPRESSION
$30.02
(+0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 5.4%)
$99.19
(+232%)
Base:
(SPY PE: 7.0, Growth: 5.4%)
$35.07
(+17%)
Bear:
(PE: 6.0, Growth: 5.4%)
$29.81
(0%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (54x PE), but valuation improves significantly next year (7x PE) as earnings recover.
Trailing PE: 53.77 | Current EPS (TTM): $0.53
Bull Case
$62.70
(+110%)
Analyst growth 100.0%, PE expands to 59.2
Base Case
$57.00
(+91%)
Market implied 100.0%, PE stable at 53.8
Bear Case
$19.38
(-35%)
Severe decline -20.0%, PE contracts to 45.7
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: October 23, 2026 2:01 PM ET
Data refreshes hourly during market hours. Next update: 3:01 PM
Data refreshes hourly during market hours. Next update: 3:01 PM
🔥 Top Stocks Breaking Out Now
| Ticker | Score | Recommendation | Change % |
|---|
Technical Signals Check
Is TRUP showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
Top Rated Insurance - Property & Casualty Stocks
Top-rated stocks in Insurance - Property & Casualty by analyst ratings.
| Stock | Analyst Consensus | Analyst Target | Tradestie Score |
|---|---|---|---|
|
ALL
The Allstate Corporation |
HOLD
25 analysts |
$269 | 42 HOLD |
|
TRV
The Travelers Companies … |
SELL
29 analysts |
$365 | 37 SELL |
|
PGR
Progressive Corp |
HOLD
24 analysts |
$230 | 46 HOLD |
|
CB
Chubb Ltd |
HOLD
25 analysts |
$367 | 37 SELL |
|
HIG
Hartford Financial Servi… |
BUY
19 analysts |
$144 | 37 SELL |
