Profitability
Weight: 25%
D-
29
Scored using ROA (NIM proxy) — financial-archetype substitution.
- 5yr Avg ROA -2.5%
- Operating Margin Trend +1.71 pp/yr
TRUP
Trupanion, Inc.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 20%
F
10
Scored using ROTCE — financial-archetype substitution.
- 5yr Avg ROTCE -7.2%
- 5yr Share-Count CAGR 2.1%
Growth Quality
Weight: 10%
F
11
Scored using BVPS — financial-archetype substitution.
- 5yr BVPS CAGR -6.8%
- 5yr EPS CAGR 0.0%
- Positive-EPS Years (5) 1/5
Cash Generation
Weight: 5%
A
90
Scored using OCF/NI — banks have no FCF concept.
- 5yr OCF/NI 4.60x
Balance Sheet
Weight: 30%
A-
82
Scored using Equity/Assets — financial-archetype substitution.
- Equity / Assets 42.0%
- Interest Coverage (EBIT/Int) 2.60x
Stability
Weight: 10%
A+
97
- EPS Volatility (σ/μ) 0.00
- Piotroski F-Score 8
- Negative-Revenue Years (5) 0/5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.2 of 4 gurus held; 2 added; 2 full exits.
- Holders
- 2 -2
- Avg Δ position
- +444.2%
- New buys
- 0
- Full exits
- 2