트루패니언(TRUP) 주가 전망 및 기업 분석 - PER·배당·실적·목표주가·RSI·MACD

TRUP

Trupanion Inc

7월 27일 4:00 PM ET (한국 7/28 05:00)

$24.87

+0.88 ▲ +3.67%

트루패니언(TRUP) is a Financial sector company, analyzed across 14 metrics on this page including P/E, EPS, dividends, RSI, and MACD.

시가총액

$1.1B

스몰캡

P/E

41.9

적정 수준

배당수익률

없음

52주 위치

10%

저점 +18% · 고점 -56%

애널리스트

매수

Fundamental health

vs. Insurance - Property & Casualty 소형주

수익성

Top 67%

성장

Top 28%

밸류에이션

Top 16%

재무 안정

Top 38%

Index ⓘ	RUT	P/E ⓘ	41.94	EPS (ttm) ⓘ	0.59	Insider Own ⓘ	30.21%	Shs Outstand ⓘ	43.6M	Perf Week ⓘ	-6.99%
Market Cap ⓘ	1.08B	Forward P/E ⓘ	36.22	EPS next Y ⓘ	25.99%	Insider Trans ⓘ	-0.3%	Shs Float ⓘ	30.4M	Perf Month ⓘ	3.75%
Enterprise Value ⓘ	-	PEG ⓘ	2.42	EPS next Q ⓘ	0.11	Inst Own ⓘ	69.31%	Short Float ⓘ	12.18%	Perf Quarter ⓘ	-9.43%
Income ⓘ	0.03B	P/S ⓘ	0.73	EPS this Y ⓘ	21.11%	Inst Trans ⓘ	-5.98%	Short Ratio ⓘ	9.47	Perf Half Y ⓘ	-24.22%
Sales ⓘ	1.48B	P/B ⓘ	2.75	EPS next 5Y ⓘ	14.94%	ROA ⓘ	2.93%	Short Interest ⓘ	3.71M	Perf YTD ⓘ	-33.45%
Book/sh ⓘ	9.05	P/C ⓘ	-	EPS past 3/5Y ⓘ	-	ROE ⓘ	7.08%	52W High ⓘ	-56.37% ($57.00)	Perf Year ⓘ	-50.07%
Cash/sh ⓘ	-	P/FCF ⓘ	14.45	Sales past 3/5Y ⓘ	16.72% 23.45%	ROIC ⓘ	5.22%	52W Low ⓘ	17.53% ($21.16)	Perf 3Y ⓘ	-11.62%
Dividend Est. ⓘ	-	EV/EBITDA ⓘ	-	EPS Y/Y TTM ⓘ	694.07%	Gross Margin ⓘ	-	Volatility(W/M) ⓘ	4.17% 4.26%	Perf 5Y ⓘ	-78.15%
Dividend TTM ⓘ	-	EV/Sales ⓘ	-	Sales Y/Y TTM ⓘ	12.1%	Oper. Margin ⓘ	1.43%	ATR (14) ⓘ	1.1	Perf 10Y ⓘ	67.02%
Dividend Ex-Date ⓘ	-	Quick Ratio ⓘ	-	EPS Q/Q ⓘ	421.9%	Profit Margin ⓘ	1.74%	RSI (14) ⓘ	48.61	Recom ⓘ	2
Dividend Gr. 3/5Y ⓘ	-	Current Ratio ⓘ	1.73	Sales Q/Q ⓘ	12.3%	SMA20 ⓘ	-3.68% ($25.82)	Beta ⓘ	1.39	Target Price ⓘ	$37.25
Payout ⓘ	-	Debt/Eq ⓘ	0.28	Earnings ⓘ	2026/8/5	SMA50 ⓘ	3.75% ($23.97)	Rel Volume ⓘ	0.86	Prev Close ⓘ	$23.99
Employees ⓘ	1121	LT Debt/Eq ⓘ	0.25	EPS/Sales Surpr. ⓘ	37.5% 1.13%	SMA200 ⓘ	-18.39% ($30.47)	Avg Volume(3M) ⓘ	0.39M	Price ⓘ	$24.87
IPO ⓘ	2014/7/18	Option/Short ⓘ	Yes/Yes			Trades ⓘ	5553	Volume ⓘ	337,638	Change ⓘ	3.67%

Quarterly earnings trend SEC filings · USD

24.6

24.9

24.12*

25.3

25.6

25.9

25.12*

26.3

Revenue Net income 최근 분기: 매출 $384M (YoY +12%) · 순이익 -

* Q4 figures are derived from the annual filing (10-K) · loss-making quarters are underlined in red

📊 Trupanion Inc (TRUP) Investment Analysis

What kind of company is Trupanion Inc?

트루패니언(TRUP) 경기민감주

Financial · Insurance - Property & Casualty

Financial Stocks

🐶 Trupanion (TRUP) is a pet-focused insurance company that provides medical insurance for cats and dogs in the United States, Canada, and parts of Europe. Based on a differentiated payment model that pays veterinary bills directly to the clinic and a subscription-based enrollment structure, it has carved out a unique position as an insurtech company in the growing pet healthcare industry.

Learn more about Trupanion Inc →

Market Cap

$1.1B

Approx. KRW 1.5 trillion

⚖️ 0% of Samsung Electronics

Market Cap Rank2587

Employees1,121people

IPO2014/07/18

Current Price$24.87 ≈ 34,072원

📌 RUT · NASD · USA

Key Events

⏰ Upcoming events

🔔 Earnings release D-8

8월 5일 (수) · 장 마감 후

예상 EPS $0.11

🎯 Ex-dividend date

No scheduled dividends

📜 Recent events

🔔 Earnings release 2026년 4월 30일 (목) · 장 마감 후 EPS +37.5% 매출 +1.1%

🔔 Earnings release 2026년 2월 12일 (목) · 장 마감 후

Is it profitable?

Financially sound but profitability is low

Losses or thin margins — early-stage growth or weakening competitiveness

Profitability — How efficiently it makes money

Operating Margin

Profit kept from selling products and services (higher is better)

1.4%

✓ 매우 부진

My positionBottom 5%

Low range Average High range

Insurance - Property & Casualty 소형주 Median 11.5% · Bottom tier

💡 일반적으로 10% 이상이면 양호, 20% 이상이면 우수

Net Margin

Share of revenue left after taxes and interest are paid

1.7%

✓ 부진

My positionBottom 25%

Low range Average High range

Insurance - Property & Casualty 소형주 Median 9.4% · Bottom 12%

💡 일반적으로 8% 이상이면 양호, 15% 이상이면 우수

ROE

Annual return earned on shareholders' equity (15%+ is strong)

7.1%

✓ 평균

My positionMid-range

Low range Average High range

Financial 소형주 Median 9.9% · Bottom 37%

💡 일반적으로 15% 이상이면 우수 (단, 부채 레버리지 효과 주의)

ROA

Annual earnings relative to total company assets

2.9%

✓ 양호

My positionMid-range

Low range Average High range

Financial 소형주 Median 1.5% · Top 32%

💡 일반적으로 5% 이상이면 양호, 10% 이상이면 우수

ROIC

Return generated per dollar invested in the business

5.2%

✓ 평균

My positionMid-range

Low range Average High range

Financial 소형주 Median 5.3% · Bottom 49%

💡 자본비용(보통 8~10%)보다 높으면 가치 창출, 15% 이상이면 우수

Financial health — Debt & liquidity burden

Debt-to-Equity (D/E)

Debt relative to equity (lower is healthier)

0.28

✓ Healthy debt

My positionMid-range

Low range Average High range

Insurance - Property & Casualty Median 0.25

💡 일반적으로 1.0 이하면 건전, 1.5까지는 무난 (금융·유틸·REIT는 구조적으로 높음)

Current Ratio

Liquid assets available to cover liabilities due within a year

1.73

✓ 우수

My positionTop 25%

Low range Average High range

Insurance - Property & Casualty Median 0.69

💡 1.5~3.0 적정, 1.0 미만이면 단기 유동성 주의

* Ratings reflect relative position vs. peer-group distribution (same sector & size) plus absolute guards (loss & risk thresholds).

What's the outlook?

Mixed Outlook

Positive and negative signals are mixed

애널리스트 목표가

$37.25

현재가 대비 +49.8%

💡 12개월 이내 도달을 전망하는 애널리스트 컨센서스 평균

예상 PER (Forward)

36.22배

💡 내년 예상 EPS 기준. 현재 PER과 비교해 이익 성장 반영 정도 확인

PEG (성장 반영 밸류)

2.42

고평가

💡 PEG > 2 — 성장 대비 비싼 편

내년 EPS 예상 성장률

+26.0%

💡 10% 이상이면 견조한 성장, 마이너스는 이익 감소 예상

5년 EPS 예상 연평균

+14.9%

💡 장기 성장 전망. 15% 이상이면 고성장 기업

⚠ 이 데이터는 애널리스트 추정치이며 실제 결과와 다를 수 있습니다. 투자 결정은 추가 검토와 함께 하세요.

Did earnings meet expectations?

High Earnings Volatility

Frequently misses analyst estimates

예상 상회

예상 부합

예상 하회

상회 비율

-15.7%

평균 서프라이즈

2026.04.30

하회

실적 $0.78 · 예상 $0.88 -11.8%

2026.02.12

하회

실적 $0.13 · 예상 $0.16 -19.6%

💡 예상보다 높은 실적을 자주 내는 기업은 실적 신뢰도가 높다고 평가됩니다. 단, 애널리스트 기대치가 낮게 설정되었을 수도 있으니 절대 수치도 함께 봐야 합니다.

Is it growing?

Strong Growth

Above the industry average, both historically and going forward

🔮 How much will it grow? (analyst forecasts)

This Year's EPS Outlook

Projected EPS growth rate for this year

+21.1%

양호

My positionMid-range

Low range Average High range

경기민감주 소형주 Median 20.1% · Top 50%

Next Year's EPS Outlook

Projected EPS growth rate for next year (analyst consensus)

+26.0%

평균

My positionMid-range

Low range Average High range

경기민감주 소형주 Median 31.9% · Bottom 43%

5-Year EPS CAGR Outlook

Projected average annual EPS growth over the next 5 years

+14.9%

우수

My positionTop 5%

Low range Average High range

경기민감주 소형주 Median 4.5% · Top 1%

📊 How much has it grown? (actual results)

Past 5-Year Revenue

How much revenue grew over the past 5 years

+23.4%

우수

My positionTop 5%

Low range Average High range

경기민감주 소형주 Median 6.1% · Top tier

⚡ Short-term momentum

QoQ Revenue

Revenue change from the previous quarter (short-term momentum)

+12.3%

양호

My positionMid-range

Low range Average High range

경기민감주 소형주 Median 5.7% · Top 33%

* Forecast values are analyst consensus estimates. Ratings are determined by relative position vs. peer group of the same growth style and size.

New to investing terms? Look it up in the financial dictionary →

Has the stock risen over the long term?

Long-term weakness — -146%p below the market

TRUP -78.2% · S&P 500 +68.3%

Excess return vs. market (price-based, ex-dividends)

5-year basis

vs S&P 500

-146.5%p

Significantly behind the market

1-year basis

vs S&P 500

-66.1%p

Significantly behind the market

Rank among peers

5-year return Lowest among peers Based on 13 peers

1-year return Bottom 11% Based on 16 peers

Current position within 52-week range

Low (-17.5%p) High (-56.4%p)

Current price is 17.5% above the 52-week low and 56.4% below the 52-week high

Recent risk (last 120 trading days)

Max drawdown

-35.6%

Annualized volatility

49.5%

Technical Indicators

Bollinger Bands · MACD · RSI · Stochastics · Ichimoku 5-line · recent 136-day series

Price · Bollinger Bands · Ichimoku Cloud

close
BB Upper
BB Mid
BB Lower
Tenkan
Kijun
Cloud (SpanA/B)

Bollinger Bands are upper and lower channels showing the closing price range (20 days · 2σ). Touching the upper band = overheated; touching the lower band = oversold. Ichimoku Cloud shows trend direction and strength through colored areas. Prices above the cloud indicate an uptrend; prices below indicate a downtrend. About Bollinger Bands →

🔴

Current diagnosis · 2026-07-27

Downtrend zone

Current price $24.87 below the midline ($25.83). Normal downward flow. Inside the Ichimoku cloud (neutral).

MACD (12 · 26 · 9) Expand ▼

An indicator that uses the difference between the short-term EMA (12) and long-term EMA (26) to identify trend reversals. When MACD rises above the Signal line, it is a buy signal (golden cross); when it falls below, it is a sell signal (death cross). About MACD →

🟡

Current diagnosis · 2026-07-27

Neutral zone — weak trend

MACD 0.071 · Signal 0.406 · Hist -0.335. Weak directional bias.

RSI(14) · Stochastics %K(14) Expand ▼

RSI measures short-term buying and selling pressure on a scale of 0–100. 30 or below = oversold (a rebound may be possible); 70 or above = overbought (a pullback may be possible). Stoch %K similarly measures short-term momentum strength. RSI · Learn more about Stochastics →

🔴

Current diagnosis · 2026-07-27

Bearish zone

RSI 48.6 (below the neutral level of 50). Selling pressure leads, indicating a weak trend. Stoch %K is also 34.1.

※ "Current diagnosis" is an automated interpretation based on standard thresholds and is for reference only. Make your own comprehensive judgment before trading.

Is it attractive at this price?

Pricier than peers in its industry

Cheap on Vs. Sales, Pricey on Vs. Earnings·Vs. Assets·Vs. Cash Flow

💡 How to read this — Compare against peers in the same industry to see what the price is cheap or expensive relative to. Example: cheap vs. earnings = stock price is low relative to what the company earns; expensive vs. assets = stock price is high relative to assets on the balance sheet.

💵 Vs. Earnings Pricey

🏢 Vs. Assets Pricey

🧾 Vs. Sales Cheap

💧 Vs. Cash Flow Pricey

💵 Vs. Earnings

PER Price-to-Earnings Ratio

How expensive the price is vs. earnings — lower is cheaper

41.94x

✓ Very pricey

My positionBottom 5%

Low range Average High range

Insurance - Property & Casualty 소형주 median 11.71x · Bottom 1% — expensive within the industry

💡 PER 15 이하 저평가, 25 이상이면 성장성 검증 필요 (적자 기업은 의미 없음)

💵 Vs. Earnings

Forward PER Forward Price-to-Earnings Ratio

PER using next year's estimated earnings — reflects growth

36.22x

✓ Very pricey

My positionBottom 5%

Low range Average High range

Insurance - Property & Casualty 소형주 median 10.09x · Bottom 1% — expensive within the industry

💡 향후 12개월 예상 EPS 기준 PER. 현재 PER보다 낮으면 이익 성장 중

🏢 Vs. Assets

PBR Price-to-Book Ratio

Price vs. the company's asset value — below 1 trades cheaper than assets

2.75x

✓ Very pricey

My positionBottom 5%

Low range Average High range

Insurance - Property & Casualty 소형주 median 1.61x · Bottom 1% — expensive within the industry

💡 PBR 1 미만이면 청산가치 이하 (금융·제조업에서 특히 의미, IT는 낮은 비중)

🧾 Vs. Sales

PSR Price-to-Sales Ratio

Market cap vs. revenue — lower is cheaper relative to sales

0.73x

✓ Cheap

My positionMid-range

Low range Average High range

Insurance - Property & Casualty 소형주 median 1.09x · Around the industry average

💡 PSR 2 이하 저평가, 10 초과면 고평가 (고성장 기업일 때만 정당화)

💧 Vs. Cash Flow

P/FCF Price-to-Free-Cash-Flow Ratio

Price vs. actual cash generation — lower means more efficient

14.45x

✓ Very pricey

My positionBottom 25%

Low range Average High range

Insurance - Property & Casualty 소형주 median 5.17x · Bottom 5% — expensive within the industry

💡 P/FCF 20 이하면 현금창출 대비 저평가 (실질 수익성 기준)

Analyst target price (reference)

$37.25 vs. current price +49.8%

* Valuation is the stock's relative position within the industry peer group (same sector and market-cap range). Even when valuation looks attractive, check the 'Profitability' and 'Growth' sections too.

As of: Recent snapshot · Peer group: Insurance - Property & Casualty 소형주

Who owns it?

Ownership backdrop is unfavorable

Insider modest net selling -0.3% · Institutional net selling -6.0% · Short interest elevated 12.2% · Short interest up +0.8pp over last 90d

📈 Recent trading flow (6 months)

🧑‍💼 Insiders (executives & directors)

-0.3%

Insiders net selling

🏦 Institutions (funds & investors)

-6.0%

Institutions net selling

💡 Net change over the past 6 months. Shows how much insiders and institutions increased or reduced their holdings, in %.

👥 Holdings composition

🏦 Institutions 69.3%

Adequate institutional weight

Financial 소형주 Median 42.5%

🧑‍💼 Insiders 30.2%

Founder/management large holders (strong skin-in-the-game)

Financial 소형주 Median 14.2%

👤 Retail investors (estimated) 0.5%

Everyone excluding institutions and insiders

Institutions Insiders Retail (est.)

📉 Short-selling metrics

Short ratio

12.2%

Somewhat high

Financial 소형주 Median 0.8%

Past 90 days 📈 +0.8%p increase

Short interest days to cover

9.5 days

Days needed to close short positions using average trading volume

🧮 Share count

Total shares outstanding 43.6M주

Float (tradable shares) 30.4M주

* Insider/institutional flows are based on net changes over the past 6 months. Trend is cumulative over the past 90 days.

ETFs holding TRUP

ETFs with the highest weightings · 10 total shown

PAWZ

ProShares Pet Care ETF

4.05%

$32M

PSCF

Invesco S&P SmallCap Financials ETF

0.23%

$27M

OPTZ

Optimize Strategy Index ETF

0.21%

$261M

FESM

Fidelity Enhanced Small Cap Core ETF

0.16%

$6.0B

ISMD

Inspire Small/Mid Cap ETF

0.13%

$333M

* Based on official quarterly filings. Latest disclosure; actual current weights may differ.

How much does it pay in dividends?

This company does not pay a dividend

It may be a growth-focused firm reinvesting profits into expansion. Consider this growth-stock profile when investing.

Compare Industry Peers

💡 vs. sector average ▲ Favorable / ▼ Unfavorable (Lower PER and PBR are better; higher ROE and dividend yield are better)

Sorted by market cap, largest first

Stock	Market Cap	PER	PBR	ROE	Dividend Yield	Change
TRUP This Stock	$1.1B	41.9 ▼	2.8 ▼	7.08% ▼	-	+3.7%
BRK-B	$966.4B	14.8 ▼	1.5 ▼	10.49% ▲	-	+0.5%
BRK-A	$963.1B	14.8 ▼	1.5 ▼	10.49% ▲	-	+0.1%
JPM	$954.4B	15.3 ▼	2.7 ▼	17.71% ▲	1.8% ▼	+0.8%
V	$683.1B	31.9 ▼	19.4 ▼	59.8% ▲	0.75% ▼	+1.9%
MA	$487.5B	31.9 ▼	72.8 ▼	232.56% ▲	0.63% ▼	+2.2%
Sector Avg	-	13.6	1.3	9.39%	2.62%	-

FAQ

What kind of company is 트루패니언(TRUP)?

트루패니언(TRUP) belongs to the Financial sector and operates in the Insurance - Property & Casualty industry.

What is the market cap of TRUP?

The market cap of TRUP is approximately $1.1B, ranking 2,587 within its sector.

What is the P/E ratio of TRUP?

TRUP has a P/E ratio of approximately 41.9x, which can be used to assess its valuation relative to the Financial sector average.

What is the 52-week high and low for TRUP?

TRUP has recorded a 52-week high of $57.00 and a low of $21.16.

면책조항: 본 콘텐츠는 참고 자료이며 투자 권유가 아닙니다. 모든 투자의 책임은 투자자 본인에게 있습니다.