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Held by 196 of 5,944 reporting institutions (91th percentile) — extremely crowded.
Data as of Q1 2026
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Total shares institutions bought (green) vs sold (red) each quarter across all holders.
Inferred from quarter-over-quarter change in each fund's 13F position (new stakes count as buys, exits as sells). Not tick-level trades.
Solve the discounted cash flow backwards, then stress-test the assumptions.
To be worth $25.63 today, the market must believe free cash flow compounds 12.5%/yr for a decade (off $38M normalized FCF).
The market's 12.5% is more conservative than its 9-yr track record.
2-stage DCF · 0.04B shares · net debt -$26M
mean 1666.9% · volatility σ 4425% · implied rate exceeded in 4/6 yrs
Central path = implied 12.5%/yr growth; shaded band = ±1σ (4425%) of this company's historical FCF volatility, widening with time. The wider the band, the less certain the growth.
Reverse DCF: rather than guessing a fair value, we solve for the growth the current price implies, then you stress-test the assumptions. Enterprise value of the FCF stream, less net debt, ÷ shares. Educational — not a recommendation.
Total return (dividends reinvested) vs the market, from quarter-end prices.
Above 0 = ahead of the S&P 500 since the window start; below 0 = behind. Rising means it's pulling ahead.
How far the stock fell below its prior peak. Deeper, longer drawdowns = a rougher ride to the same return.
Quarter-end, dividend-adjusted (total return). Beta & volatility from quarterly returns (annualized). Benchmark is the S&P 500 (SPY total return). Annual returns compound the quarters ending in each calendar year; the first and last years in a window may be partial. Past performance doesn't predict future results.
Is the value real, and is the business safe? Academic scores + earnings quality + solvency, from SEC filings.
3/6 of the 9 checks — 3 couldn't be scored (see above), so the score is out of the 6 with data.
Safe > 2.99 · grey 1.81–2.99 · distress < 1.81
Needs granular two-year detail (receivables, PP&E, D&A, SG&A) — not fully reported.
Cash-conversion data unavailable. Lower/negative accruals = higher quality (Sloan).
Interest coverage is thin — monitor; leverage falling year-over-year.
F-Score (0–9 fundamental momentum), Altman Z (distress risk), and Beneish M (earnings-manipulation screen) are academic models computed from the SEC filings. Screens and context — educational, not recommendations.
What the company returns to shareholders — and whether it's covered by cash.
No dividend to cover. Last year: $0 dividends + $0 buybacks = $0 returned on $75M FCF.
Yields use the latest fiscal-year dividends/buybacks over current market cap. Dividends and buybacks from the SEC cash-flow statement; payout coverage vs net income and free cash flow. Educational — not a recommendation.
How management deployed cash over 10 years — and what it earned on reinvestment.
A reinvestment story — most cash went back into growth rather than to shareholders.
Modest payoff on reinvested capital. Rough measure (includes maintenance capex).
Cash uses aggregated from the SEC cash-flow statement over 10 fiscal years. "Return on reinvestment" is a rough proxy — operating-income change ÷ cumulative CapEx + M&A — and includes maintenance capex. Educational — not a recommendation.
How much the company owes, how it's trended, and how comfortably it's serviced.
Cash of $138M covers all $133M of scheduled principal — no refinancing pressure. Scheduled principal only (excludes interest & revolver draws). As of 2024-06-30 (10-Q).
Green ≤ 1.5× · amber ≤ 3× · red > 3× (leverage relative to cash earnings).
Thin coverage — earnings barely cover interest. Effective rate ~12.3% on $112M of debt.
Cash of $138M fully covers short-term debt of $10M.
Mostly long-term debt (balance-sheet current vs non-current split). See the maturity ladder above for the year-by-year repayment schedule.
Debt, cash, interest and equity from the SEC balance sheet & income statement. Effective rate = interest ÷ average debt. Maturity ladder from the SEC long-term-debt repayment schedule. Educational — not a recommendation.
EOD close · as of 2026-09-17
Where each multiple sits in its own 12-yr range · 0th pct blended
Dot = today · shaded = middle 50% · line = median. Lower percentile = cheaper vs its own 12-yr history.
Is the profit real, and how strong is the balance sheet?
FY2025 · every deduction from revenue to net income
DuPont — the three levers
Watch the leverage lever — a chunk of ROE comes from the balance sheet.
What the company owes vs. what it holds
Year-by-year maturities aren't in SEC companyfacts (footnote-only), so this shows the debt/cash structure and net leverage instead.
Latest year: profit growth vs revenue growth
Profit and sales moved in opposite directions this year.
Each line as % of revenue — the trend in color
| % of revenue | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|
| Cost of Revenue | 83.1 | 83.1 | 83.7 | 85.1 | 86.5 | 88.2 | 86.1 | 83.9 |
| Gross Profit | 16.9 | 16.9 | — | — | — | — | — | — |
| SG&A | 5.6 | 4.8 | 4.4 | 4.6 | 4.4 | 5.4 | 5.0 | 5.3 |
| Operating Income | -0.3 | -0.5 | -1.0 | -5.0 | -4.8 | -3.7 | -0.7 | 1.0 |
| Income Tax | -0.0 | 0.0 | 0.0 | 0.0 | 0.1 | -0.0 | -0.0 | 0.2 |
| Net Income | — | — | — | -5.1 | -4.9 | -4.0 | -0.7 | 1.4 |
Green = margin-favorable vs the row's own range · red = unfavorable.
The metrics that matter, over time
A 30-second read on TRUP: price, valuation, headline fundamentals, and an auto-generated scorecard from SEC filings. Flags are rule-based signals, not recommendations.
EOD close · as of 2026-09-17
How a revenue dollar becomes profit — FY2025
Each value shows its share of revenue below it (common-size).
| Line Item | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $1.44B 100.0% | $1.29B 100.0% | $1.11B 100.0% | $905.2M 100.0% | $699.0M 100.0% | $502.0M 100.0% | $383.9M 100.0% | $304.0M 100.0% | $242.7M 100.0% | $188.2M 100.0% |
| Cost of Revenue | $1.21B 83.9% | $1.11B 86.1% | $977.6M 88.2% | $783.0M 86.5% | $594.6M 85.1% | $420.1M 83.7% | $319.0M 83.1% | $252.6M 83.1% | — | — |
| Gross Profit | — | — | — | — | — | — | $64.9M 16.9% | $51.4M 16.9% | $43.0M 17.7% | $33.3M 17.7% |
| Selling, General & Admin | $76.6M 5.3% | $63.7M 5.0% | $60.2M 5.4% | $39.4M 4.4% | $31.9M 4.6% | $21.8M 4.4% | $18.4M 4.8% | $17.1M 5.6% | $16.8M 6.9% | $15.2M 8.1% |
| Total Operating Expenses | $216.9M 15.1% | $188.1M 14.6% | $171.5M 15.5% | $164.9M 18.2% | $139.4M 19.9% | $86.7M 17.3% | $66.5M 17.3% | $52.4M 17.2% | $45.7M 18.8% | $40.0M 21.2% |
| Operating Income | $13.8M 1.0% | -$9.5M -0.7% | -$40.7M -3.7% | -$43.0M -4.8% | -$35.2M -5.0% | -$4.9M -1.0% | -$1.9M -0.5% | -$1.0M -0.3% | -$2.6M -1.1% | -$6.7M -3.6% |
| Interest Expense | $13.8M 1.0% | $14.5M 1.1% | $12.1M 1.1% | $4.3M 0.5% | $10K 0.0% | $1.4M 0.3% | $1.3M 0.4% | $1.2M 0.4% | $533K 0.2% | $218K 0.1% |
| Interest & Investment Income | $12.3M 0.9% | $12.4M 1.0% | $9.0M 0.8% | $3.0M 0.3% | $300K 0.0% | $600K 0.1% | $1.7M 0.4% | $900K 0.3% | $200K 0.1% | $100K 0.1% |
| Other Income (Expense), net | $21.9M 1.5% | $14.4M 1.1% | $7.7M 0.7% | $3.1M 0.3% | -$14K -0.0% | $581K 0.1% | $1.6M 0.4% | $1.3M 0.4% | $1.2M 0.5% | $58K 0.0% |
| Pretax Income | $22.0M 1.5% | -$9.6M -0.7% | -$45.0M -4.1% | -$44.2M -4.9% | -$35.2M -5.0% | -$5.7M -1.1% | -$1.6M -0.4% | -$934K -0.3% | -$1.9M -0.8% | -$6.9M -3.6% |
| Income Tax Expense | $2.6M 0.2% | -$5K -0.0% | -$342K -0.0% | $476K 0.1% | $310K 0.0% | $113K 0.0% | $169K 0.0% | -$7K -0.0% | -$428K -0.2% | $38K 0.0% |
| Net Income | $19.4M 1.4% | -$9.6M -0.7% | -$44.7M -4.0% | -$44.7M -4.9% | -$35.5M -5.1% | — | — | — | — | — |
| Per Share | ||||||||||
| EPS (Basic) | $0.45 | $-0.23 | $-1.08 | $-1.10 | $-0.89 | $-0.16 | — | — | — | — |
| EPS (Diluted) | $0.45 | $-0.23 | $-1.08 | $-1.10 | $-0.89 | $-0.16 | — | — | — | — |
| Weighted Avg Shares (Basic) | 43.0M | 42.2M | 41.4M | 40.8M | 40.1M | 35.9M | — | — | — | — |
| Weighted Avg Shares (Diluted) | 43.6M | 42.2M | 41.4M | 40.8M | 40.1M | 35.9M | — | — | — | — |
Source: SEC EDGAR XBRL filings (annual, fiscal year). Quarterly flow items are derived from cumulative filings; balance-sheet figures are as-of each period end. Ratios and margins are computed, not reported.
Ranked against 838 sector peers with collected financials. Valuation from latest close × latest fiscal-year fundamentals; 13F conviction as of 2026-03-31.
Percentile is “goodness” within the peer set (100 = best). For valuation and leverage that means cheaper / less-levered ranks higher.
| Company | Mkt cap ▼ | P/E | EV/EBITDA | P/S | Rev gr | Gross | Net | ROE | ROIC | Net D/EBITDA | 13F |
|---|---|---|---|---|---|---|---|---|---|---|---|
| JPM | $941.8B | 17.4× | — | 5.2× | 2.8% | — | 31.3% | 15.7% | 13.4% | — | 4,823 |
| V | $694.5B | — | — | 17.4× | 11.3% | — | 50.1% | 52.9% | 31.8% | — | 4,229 |
| MA | $512.0B | 34.3× | — | 15.6× | 16.4% | — | 45.6% | 193% | 56.0% | — | 3,430 |
| BAC | $419.6B | 15.3× | — | 3.7× | 6.8% | — | 27.0% | 10.1% | 4.9% | — | 3,337 |
| GS | $282.1B | 18.5× | — | — | — | — | — | 13.7% | 3.6% | — | 2,857 |
| WFC | $268.7B | 13.9× | — | — | — | — | — | 11.8% | 5.7% | — | 2,691 |
| AXP | $213.5B | 20.2× | — | 5.2× | 6.4% | — | 26.2% | 32.4% | 11.9% | — | 2,787 |
| TYFG | $191.9B | 14.2× | — | 11135.5× | 10.2% | — | 79.3% | 8.7% | 8.7% | — | 1 |
| SCHW | $188.8B | 22.5× | — | 7.9× | 22.0% | — | 37.0% | 17.9% | 17.9% | — | 2,225 |
| HDB | $173.4B | 21.8× | — | 6.8× | 15.2% | — | 30.8% | 8.8% | 4.5% | — | 570 |
| UBS | $169.2B | — | — | — | — | — | — | — | — | — | 660 |
| BLK | $163.4B | 29.9× | — | 6.8× | 89.3% | — | 22.9% | 9.9% | 8.1% | — | 2,196 |
| GLD | $134.4B | — | — | — | — | — | — | — | — | — | 3,072 |
| CB | $133.7B | 13.3× | — | 2.3× | 6.5% | — | 17.4% | 14.0% | 11.3% | — | 2,002 |
| PGR | $126.8B | 11.3× | — | 1.4× | 16.3% | — | 12.9% | 37.3% | 37.3% | — | 1,685 |
| SPGI | $120.7B | 27.6× | 17.3× | 7.9× | 7.9% | 70.2% | 29.2% | 14.4% | 10.1% | 1.7× | 2,005 |
| HOOD | $97.6B | 53.6× | — | 21.8× | 51.6% | — | 42.1% | 20.6% | 20.6% | — | 1,230 |
| CME | $97.5B | 24.3× | — | 15.0× | 6.4% | — | 62.5% | 14.2% | 14.2% | — | 1,699 |
| USB | $96.4B | 13.0× | — | 3.4× | 4.4% | — | 26.4% | 11.6% | 9.2% | — | 1,901 |
| BX | $93.9B | 32.4× | — | 6.5× | 9.2% | — | 20.9% | 34.8% | 14.2% | — | 2,037 |
| PNC | $91.9B | 14.0× | — | 4.0× | 7.2% | — | 30.3% | 11.5% | 5.9% | — | 1,839 |
| AMUB | $89.8B | — | — | — | — | — | — | — | — | — | 7 |
| KKR | $87.5B | — | — | 4.5× | -11.0% | — | 12.2% | 7.7% | 7.7% | — | 1,216 |
| ICE | $86.9B | 26.6× | 20.6× | 6.9× | 7.5% | — | 26.2% | 11.5% | 6.8% | 3.8× | 1,641 |
| MRSH | $84.7B | 20.7× | 15.4× | 3.1× | 10.3% | — | 15.4% | 27.2% | 11.9% | 3.0× | 1,471 |
| TRUP | $1.1B | 57.0× | 36.6× | 0.8× | 11.9% | 16.1% | — | — | — | 3.8× | 196 |
Peers = companies sharing TRUP's sector (Financial Services) with collected SEC financials. Multiples use the most recent end-of-day close and latest fiscal-year fundamentals (trailing, not forward). Missing cells mean the peer never reported that line item, has no collected price, or has a non-positive denominator. Not investment advice.
Top 40 institutional holders — bubble size is position value, color is the move since last quarter. Hover any holder for detail.
Drag any bubble to rearrange · size = dollar value of the position