Trupanion, Inc. — Earnings Quality Grade A
TRUP · Financial Services
Strong financial health
Screening Summary
管理层信号
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 77 days, change -1 days YoY
AR growth 10.2% vs revenue growth 11.9%
Revenue 11.9%, CFFO 85.3%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth 45.4% is >2x revenue growth 11.9%
SG&A/Gross Profit = 33.2%. Normal
Gross margin 16.1%, change +2.1pp. Stable
Cash Flow Quality
CFFO/NI = 4.60. Profits backed by cash
FCF $0.1B, FCF/NI = 3.88
Accruals ratio = -7.7%. Low accruals
Cash $0.4B covers debt $0.1B
Balance Sheet Health
Goodwill+Intangibles $0.1B = 17% of equity. Manageable
Debt/EBITDA = 2.2x. Healthy
Other assets -3.8% vs revenue 11.9%. Normal
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change 27% YoY. Normal
Manipulation Score
M-Score = -2.81 (< -2.22). Unlikely manipulator
Beneish M-Score
Altman Z-Score — Not Applicable
Trupanion, Inc. is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25