Trupanion, Inc. cash flow to debt ratio of 80.05% indicates that the company generates enough cash to cover a substantial portion of its debt. This level indicates very strong financial health.

Trupanion, Inc.'s free cash flow has increased 95.38% from $38.57M last year to $75.36M, signaling increasing performance

Trupanion, Inc.'s debt to equity ratio is 0.26, which means that the company's assets are healthy financed, signaling financial stability.

Trupanion, Inc.'s debt has decreased relative to shareholder equity from 0.40 last year to 0.26 today, signaling strengthened financials

Trupanion, Inc. has a net cash position, so leverage is healthy.

Trupanion, Inc.'s interest coverage ratio of 2.32 indicates that earnings with margin can cover interest payments on company debt

Trupanion, Inc.'s profit margin has increased (-303.74%) in the last year from -0.75% to 1.53%, signaling increasing performance

Trupanion, Inc.'s short-term assets of $439.97M exceed its short-term liabilities of $409.81M

Trupanion, Inc.'s return on assets of 2.49% is lower than the 5.00% threshold, indicating inefficient asset utilization

Trupanion, Inc.'s return on equity of 5.96%, is lower than 15.00%, indicating bad performance

Trupanion, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

Trupanion, Inc. had positive net income in only 1 out of 5 years, indicating unstable earnings

Trupanion, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

Trupanion, Inc. has a free cash flow yield of 5.94%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Trupanion, Inc.'s yearly earnings has increased -301.73% since last year from $-9.63M to $19.43M, signaling increasing performance

Trupanion, Inc.'s yearly revenue has increased 11.95% since last year from $1.29B to $1.44B, signaling increasing performance

ROIC 4.29% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

Trupanion, Inc.'s 3-year revenue CAGR of 16.72% is positive, indicating growing revenue over the past 3 years

Trupanion, Inc. had revenue growth in 5 out of 5 years, indicating consistent revenue performance

Trupanion, Inc. had positive ROE in only 1 out of 5 years, indicating inconsistent returns on equity

Trupanion, Inc. is undervalued relative to its fair value price of 31.41 based on Discounted Cash Flow model

Trupanion, Inc. has an earnings yield of 1.83%, which is below the 4.00% threshold, indicating the stock may be expensive relative to its earnings

Trupanion, Inc. is overvalued relative to its fair value price of 8.92 based on EBITDA multiple model

Trupanion, Inc. has an EV/EBITDA ratio of 19.55x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

Trupanion, Inc. is overvalued relative to its fair value price of -23.46 based on Earnings Fair Value model

Trupanion, Inc. had non-positive diluted EPS five years ago; the PEG ratio is not meaningful and the check fails.

Trupanion, Inc. has a price-to-book ratio of 3.10x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Trupanion, Inc. has a price-to-sales ratio of 0.84x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue