Last 47 quarters of trend data · Financial Services · Insurance - Specialty
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 52.42 | 38.70 | 58.20 | 71.87 | 83.23 | 62.90 | — | 308.18 | 315.17 | — | — | — | — | — | — | — | — | — | — | — | — |
| — | -38.5% | — | -76.7% | -73.6% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | |
| P/S Ratio | 0.71 | 0.69 | 0.73 | 1.08 | 1.28 | 1.70 | 1.17 | 1.51 | 1.37 | 0.98 | 0.95 | 1.08 | 1.02 | 0.75 | 1.72 | 1.98 | 2.59 | 2.80 | 4.39 | 6.86 | 4.31 |
| — | -59.3% | -37.5% | -28.3% | -6.4% | +72.6% | +23.3% | +40.0% | +34.0% | +30.6% | -45.0% | -45.6% | -60.5% | -73.1% | -60.8% | -71.2% | -39.8% | -59.3% | -10.2% | -13.5% | -19.8% | |
| P/B Ratio | 2.68 | 2.65 | 2.83 | 4.24 | 5.12 | 6.75 | 4.78 | 6.29 | 5.61 | 4.04 | 3.81 | 4.19 | 4.05 | 2.82 | 5.98 | 6.37 | 7.93 | 7.80 | 11.01 | 16.06 | 9.42 |
| — | -60.7% | -40.7% | -32.5% | -8.9% | +66.8% | +25.2% | +50.0% | +38.8% | +43.4% | -36.2% | -34.2% | -49.0% | -63.8% | -45.7% | -60.3% | -15.9% | -43.6% | +22.3% | +20.5% | -51.3% | |
| P/FCF | 13.65 | 8.25 | 20.34 | 16.06 | 19.69 | 49.76 | 28.40 | 23.26 | 33.58 | 77.79 | — | 23.51 | 41.79 | — | — | — | — | — | — | 996.97 | 226.27 |
| — | -83.4% | -28.4% | -30.9% | -41.4% | -36.0% | — | -1.1% | -19.6% | — | — | — | — | — | — | — | — | — | — | -9.8% | +176.3% | |
| EV / EBITDA | 26.50 | 25.95 | 27.80 | 38.79 | 46.55 | 95.20 | 167.91 | 117.08 | 73.00 | — | — | 91.23 | — | — | — | — | — | — | — | — | — |
| — | -72.7% | -83.4% | -66.9% | -36.2% | — | — | +28.3% | — | — | — | — | — | — | — | — | — | — | — | — | — | |
| EV / EBIT | 45.59 | 28.33 | 34.31 | 38.63 | 49.13 | 41.99 | 220.26 | 97.67 | 84.65 | — | — | 188.43 | — | — | — | — | — | — | — | — | — |
| — | -32.5% | -84.4% | -60.5% | -42.0% | — | — | -48.2% | — | — | — | — | — | — | — | — | — | — | — | — | — |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 28.5% | 16.6% | 26.7% | 30.3% | 16.4% | 15.5% | 14.9% | 15.7% | 15.1% | 12.8% | 11.8% | 13.5% | 12.3% | 10.9% | 10.3% | 13.7% | 12.9% | 13.0% | 14.5% | 15.7% | 15.5% |
| — | +6.9% | +78.8% | +92.9% | +8.5% | +21.2% | +26.3% | +15.9% | +22.3% | +17.8% | +15.1% | -1.0% | -4.1% | -16.7% | -29.2% | -12.9% | -17.1% | -10.7% | +6.4% | -5.0% | -2.0% | |
| Operating Margin | 1.5% | 1.6% | 1.6% | 1.7% | 1.6% | 0.7% | -0.4% | 0.1% | 0.5% | -1.7% | -2.0% | 0.1% | -1.2% | -4.8% | -9.6% | -3.7% | -5.1% | -5.8% | -4.4% | -3.0% | -4.0% |
| — | +147.9% | +460.1% | +1518.1% | +199.5% | +137.7% | +78.5% | -25.2% | +143.7% | +64.1% | +79.0% | +103.7% | +76.0% | +16.9% | -115.9% | -26.4% | -28.6% | -3.0% | +46.2% | -33.5% | -128.2% | |
| Net Margin | 1.4% | 1.7% | 1.3% | 1.5% | 1.6% | 2.7% | -0.4% | 0.5% | 0.4% | -1.9% | -2.2% | -0.7% | -1.4% | -5.1% | -9.7% | -3.8% | -5.5% | -6.2% | -4.3% | -3.6% | -3.8% |
| — | -34.7% | +393.0% | +204.3% | +267.8% | +243.0% | +80.6% | +167.1% | +130.8% | +63.3% | +76.8% | +80.6% | +74.4% | +18.3% | -124.9% | -4.2% | -47.2% | -13.3% | +46.6% | -47.6% | -90.9% |
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 5.5% | 1.7% | 1.3% | 1.5% | 1.6% | 2.7% | -0.5% | 0.5% | 0.5% | -1.9% | -2.3% | -0.7% | -1.4% | -4.7% | -8.3% | -3.0% | -4.2% | -4.2% | -2.7% | -2.1% | -2.0% |
| — | -37.8% | +377.6% | +190.7% | +256.3% | +242.0% | +80.0% | +170.6% | +132.6% | +59.1% | +72.7% | +76.0% | +66.5% | -11.0% | -208.1% | -43.3% | -103.3% | -53.9% | +27.2% | -46.6% | -14.5% | |
| ROA | 2.3% | 0.7% | 0.5% | 0.6% | 0.7% | 1.1% | -0.2% | 0.2% | 0.2% | -0.7% | -0.9% | -0.3% | -0.5% | -1.9% | -3.6% | -1.4% | -2.0% | -2.1% | -1.5% | -1.3% | -1.3% |
| — | -34.0% | +394.6% | +207.3% | +284.5% | +251.1% | +79.3% | +173.4% | +132.9% | +61.0% | +75.6% | +80.2% | +73.3% | +11.7% | -141.1% | -11.2% | -59.8% | -21.6% | +39.9% | -47.3% | -49.6% | |
| ROIC | 5.1% | 1.3% | 1.3% | 1.4% | 1.3% | 0.5% | -0.4% | 0.1% | 0.4% | -1.4% | -1.6% | 0.1% | -1.0% | -3.6% | -6.3% | -2.4% | -3.3% | -3.6% | -2.7% | -1.9% | -2.5% |
| — | +146.9% | +435.7% | +1490.8% | +209.0% | +139.2% | +76.7% | -21.8% | +143.6% | +61.7% | +74.5% | +104.7% | +70.7% | +1.1% | -133.4% | -28.0% | -34.1% | -6.8% | +42.9% | -32.0% | -101.8% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.29 | 0.26 | 0.28 | 0.29 | 0.31 | 0.32 | 0.39 | 0.40 | 0.40 | 0.42 | 0.42 | 0.42 | 0.45 | 0.36 | 0.35 | 0.23 | 0.18 | 0.17 | 0.17 | — | — |
| — | -19.0% | -28.3% | -27.0% | -22.8% | -23.6% | -9.1% | -6.1% | -9.6% | +17.0% | +20.2% | +86.6% | +151.4% | +109.1% | +114.0% | — | — | — | — | — | — | |
| Debt / EBITDA | 2.95 | 10.64 | 11.32 | 10.83 | 11.56 | 18.24 | 55.60 | 30.17 | 21.04 | — | — | 37.51 | — | — | — | — | — | — | — | — | — |
| — | -41.7% | -79.6% | -64.1% | -45.1% | — | — | -19.6% | — | — | — | — | — | — | — | — | — | — | — | — | — | |
| Current Ratio | 1.07 | 1.77 | 1.73 | 1.07 | 1.71 | 1.69 | 1.70 | 1.71 | 1.66 | 1.63 | 1.62 | 1.63 | 1.61 | 1.57 | 1.64 | 1.62 | 1.50 | 1.78 | 1.88 | 1.75 | 1.85 |
| — | +5.0% | +1.5% | -37.2% | +3.2% | +3.9% | +4.8% | +4.7% | +2.6% | +3.3% | -0.7% | +0.7% | +7.7% | -11.4% | -13.1% | -7.3% | -18.9% | -8.8% | -9.2% | -22.0% | +18.6% | |
| Quick Ratio | 1.07 | 1.85 | 1.73 | 1.07 | 1.71 | 1.69 | 1.70 | 1.71 | 1.66 | 1.63 | 1.62 | 1.63 | 1.61 | 1.57 | 1.64 | 1.62 | 1.50 | 1.78 | 1.88 | 1.75 | 1.85 |
| — | +9.2% | +1.5% | -37.2% | +3.2% | +3.9% | +4.8% | +4.7% | +2.6% | +3.3% | -0.7% | +0.7% | +7.7% | -11.4% | -13.1% | -7.3% | -18.9% | -8.8% | -9.2% | -22.0% | +18.6% | |
| Interest Coverage | 2.60 | 5.02 | 4.18 | 2.54 | 3.37 | 3.86 | 0.55 | 1.49 | 1.38 | -0.62 | -0.92 | 0.45 | -0.34 | -3.75 | -9.46 | -4.86 | -7.82 | -10.40 | -111.39 | -666.56 | — |
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Includes 30+ ratios · 47 years · Updated daily
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Quick answers to the most common questions about buying TRUP stock.
Trupanion, Inc.'s current P/E is 52.4x. The average P/E over the last 4 quarters is 63.0x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Trupanion, Inc.'s current operating margin is 1.5%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Trupanion, Inc.'s business trajectory between earnings reports.