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TRUP Stock Chart & Stats
$28.20
-$1.80(-3.79%)
At close: 4:00 PM EST
$28.20
-$1.80(-3.79%)
Day’s Range― - ―
52-Week Range$21.16 - $57.00
Previous CloseN/A
Volume213.77K
Average Volume (3M)408.19K
Market Cap
$1.15B
Enterprise Value$984.02M
Total Cash (Recent Filing)$383.66M
Total Debt (Recent Filing)$109.35M
Price to Earnings (P/E)43.8
Beta1.13
Next Earnings
Jul 30, 2026EPS Estimate
0.11Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.59
Shares Outstanding43,620,472
10 Day Avg. Volume429,443
30 Day Avg. Volume408,190
Financial Highlights & Ratios
PEG Ratio-0.28
Price to Book (P/B)4.18
Price to Sales (P/S)1.12
P/FCF Ratio21.30
Enterprise Value/Market Cap0.85
Enterprise Value/Revenue0.66
Enterprise Value/Gross Profit2.97
Enterprise Value/Ebitda17.09
Forecast
1Y Price Target
$39.75Price Target Upside40.96% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering5
EPS Forecast (FY)0.53
Revenue Forecast (FY)$1.58B
Bulls Say, Bears Say
Bulls Say
Profitability TurnaroundTrupanion has shifted to sustained profitability with TTM net income and materially higher gross margins. This durable improvement indicates underwriting and pricing discipline, reducing reliance on capital raises and supporting reinvestment into growth and product development over the next several quarters.
Strong Cash Generation & Manageable LeverageSolid operating and free cash flow along with modest leverage provide financial flexibility to fund customer acquisition, product rollout, and absorb reserve volatility. A healthier balance sheet lowers refinancing risk and supports multi-quarter investments without eroding liquidity.
Improving Unit Economics And RetentionRising per-pet revenue, materially higher lifetime value and very high retention reflect durable unit economics. Strong LTV and retention let Trupanion sustainably fund disciplined customer acquisition, driving scalable subscription revenue and margin expansion over the medium term.
Bears Say
Thin Net MarginsEven with positive net income, very slim net margins leave earnings highly sensitive to underwriting swings, reserve development, and operating cost changes. Small adverse changes in loss ratios or claims can meaningfully compress profitability and cash generation over multiple quarters.
Rising Acquisition CostsHigher and rising customer acquisition costs increase reinvestment intensity and extend payback periods. If CAC growth outpaces LTV improvements, return on marketing falls, pressuring margins and forcing either reduced growth or higher ongoing investment that could weigh on medium-term free cash flow.
Challenging End-market TrendsSlowing veterinary visits, weaker pet adoption and deceleration in partner channels threaten new gross adds and same-store sales. As Trupanion leans on partner distribution, persistent industry weakness could slow enrollment growth and limit future margin gains across several quarters.
Trupanion News
TRUP FAQ
What was Trupanion Inc.’s price range in the past 12 months?
Trupanion Inc. lowest stock price was $21.16 and its highest was $57.00 in the past 12 months.
What is Trupanion Inc.’s market cap?
Trupanion Inc.’s market cap is $1.15B.
When is Trupanion Inc.’s upcoming earnings report date?
Trupanion Inc.’s upcoming earnings report date is Jul 30, 2026 which is in 20 days.
How were Trupanion Inc.’s earnings last quarter?
Trupanion Inc. released its earnings results on Apr 30, 2026. The company reported $0.11 earnings per share for the quarter, beating the consensus estimate of $0.08 by $0.03.
Is Trupanion Inc. overvalued?
According to Wall Street analysts Trupanion Inc.’s price is currently Undervalued.
Does Trupanion Inc. pay dividends?
Trupanion Inc. does not currently pay dividends.
What is Trupanion Inc.’s EPS estimate?
Trupanion Inc.’s EPS estimate is 0.11.
How many shares outstanding does Trupanion Inc. have?
Trupanion Inc. has 43,620,472 shares outstanding.
What happened to Trupanion Inc.’s price movement after its last earnings report?
Trupanion Inc. reported an EPS of $0.11 in its last earnings report, beating expectations of $0.08. Following the earnings report the stock price went up 1.417%.
Which hedge fund is a major shareholder of Trupanion Inc.?
Currently, no hedge funds are holding shares in TRUP
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Trupanion Stock Smart Score
Underperform
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Analyst Consensus
Moderate Buy
Average Price Target:
$39.75 (40.96% Upside)
$39.75 (40.96% Upside)
Blogger Sentiment
Bullish
TRUP Sentiment 70%
Sector Average 67%
Sector Average 67%
Hedge Fund Trend
Decreased
By 189.7K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $146.8K over
the Last 3 Months
the Last 3 Months
Technicals
SMA
Negative
20 days / 200 days
Momentum
-47.86%
12-Months-Change
Fundamentals
Return on Equity
6.87%
Trailing 12-Months
Asset Growth
10.08%
Trailing 12-Months
Company Description
Trupanion Inc.
Trupanion, Inc. provides monthly subscription-based medical insurance for canine and feline companions across the United States, Canada, Puerto Rico, and Australia. The company's operations are divided into two main categories: Subscription Business and Other Business, serving both pet owners and veterinary professionals. Founded in 2000, the Seattle, Washington-headquartered firm was previously known as Vetinsurance International, Inc., before adopting the Trupanion, Inc. name in 2013.
TRUP Earnings Call
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call conveyed strong financial and operational momentum led by record per-pet economics, meaningful AOI and margin expansion, disciplined reinvestment of earnings into growth initiatives, and a solid balance sheet. Management acknowledged some challenges — higher acquisition costs, deceleration in a partner-driven segment, industry headwinds in vet visits and adoption, and an adverse reserve development — but emphasized improved efficiency (automation), encouraging early results from product expansion, and reiterated full-year guidance. Overall the positives (AOI growth, revenue beat, margin expansion, LTV improvement, net income recovery, and healthy cash/debt position) materially outweigh the lowlights, with management presenting a plan to invest AOI into scalable growth and product innovation.View all TRUP earnings summariesTRUP Stock 12 Month Forecast
Average Price Target
$39.75
▲(40.96% Upside)
Technical Analysis
Amerisafe
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Employers Holdings
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Investors Title Company
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Tiptree Financial
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Hippo Holdings
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Ownership Overview
2.00% Insiders
22.91% Mutual Funds
1.20% Other Institutional Investors
54.08% Public Companies and
Individual Investors