TRUP Stock Analysis: Buy, Sell, or Hold?
TRUP - Trupanion, Inc.
$31.10
0.42 (1.37%)
▲
5d:
+1.63%
30d:
+32.34%
90d:
+42.33%
WAIT
LOW Confidence
Analysis Updated: Aug 21, 2026 12:00 AM ET
Earnings: Aug 05, 2026
0d
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Interactive Price Chart (1 Month)
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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
$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 $31.10, which is considered extended relative to its 30-day fair value range of $24.63 to $29.91. The stock's valuation (Forward PE: 7.2) is in line with its historical norms (6.8). At these levels, the market is pricing in 2.0% annual earnings growth.
Technical Outlook: Technically, TRUP is in a uptrend. The price is approaching resistance at $31.48. 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 $37.25 (+21.4%). 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 $31.48. 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 $37.25 (+21.4%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$24.63 -
$29.91
Company Quality Score
29/100
(SELL)
Volume Confirmation
HIGH
Confidence Score
31.9%
All Signals
- BEARISH: Price extended above range
- BEARISH: Weak technical setup (0/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 21.4% below Wall St target ($37.25)
- BULLISH: Expecting earnings turnaround to 2.0% growth with 11.1% revenue growth
- WARNING: Composite score 29/100 in the bottom quintile — this cohort historically lags the market
Trading Range Analysis
30-Day Trading Range
$24.63 -
$29.91
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$26.81
Resistance Level
$31.48
Current Trend
Uptrend
Technical data as of
Aug 21, 2026
Fundamental Context
Forward P/E (Next Year Est.)
7.20
Wall Street Target
$37.25
(+21.4%)
Revenue Growth (YoY)
11.1%
Earnings Growth (YoY)
-28.9%
Profit Margin
1.5%
Valuation Premium vs History
+2.0% premium
PE vs Historical
7.2 vs 6.8
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+2.0%
(market-implied from PE analysis)
1-Year Target
$31.29
(+2%)
2-Year Target
$31.92
(+4%)
3-Year Target
$32.56
(+6%)
3-Yr Target (if PE normalizes)
(PE: 7→7)
PE COMPRESSION
$30.74
(+0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.1, Growth: 5.4%)
$100.24
(+227%)
Base:
(SPY PE: 7.2, Growth: 5.4%)
$35.97
(+17%)
Bear:
(PE: 6.1, Growth: 5.4%)
$30.57
(0%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (57x PE), but valuation improves significantly next year (7x PE) as earnings recover.
Trailing PE: 56.55 | Current EPS (TTM): $0.55
Bull Case
$68.42
(+120%)
Analyst growth 100.0%, PE expands to 62.2
Base Case
$62.20
(+100%)
Market implied 100.0%, PE stable at 56.6
Bear Case
$21.15
(-32%)
Severe decline -20.0%, PE contracts to 48.1
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: August 24, 2026 2:25 AM ET
Data refreshes hourly during market hours. Next update: 3:25 AM
Data refreshes hourly during market hours. Next update: 3:25 AM
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Technical Signals Check
Is TRUP showing a specific setup today?
Insider Activity (6 Months)
0
Buys
4
Sells
Net
INSIDERS SELLING
Recent Transactions
John R Gallagher
SELL
430 shares
2026-03-30
Emily Dreyer
SELL
7792 shares
2026-03-04
Fawwad Qureshi
SELL
2837 shares
2026-02-27
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