Trupanion Inc. (TRUP)
NASDAQ:TRUP
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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 - $57.89
Previous CloseN/A
Volume213.77K
Average Volume (3M)414.02K
Market Cap
$1.03B
Enterprise Value$907.69M
Total Cash (Recent Filing)$383.66M
Total Debt (Recent Filing)$109.35M
Price to Earnings (P/E)39.9
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. Volume413,293
30 Day Avg. Volume414,019
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 Cap0.88
Enterprise Value/Revenue0.61
Enterprise Value/Gross Profit2.74
Enterprise Value/Ebitda15.77
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
Multi-year Revenue Growth & ScaleSustained top-line expansion reflects successful scaling of the subscription base and recurring-premium model. As enrolled pets grow, fixed costs leverage and per-pet economics improve, supporting durable revenue growth that underpins long-term underwriting investment and margin expansion.
Improved Cash Generation And Manageable LeverageMeaningful operating and free cash flow after years of weakness provides internal funding for disciplined customer acquisition and product investment. Combined with reduced debt and higher equity, the balance sheet supports reinvestment while preserving financial flexibility over the medium term.
Strengthening Per-pet Economics And RetentionRising ARPP, materially higher LTV, and very high retention indicate durable unit economics. Strong LTV lets the company sustainably fund disciplined acquisition and product rollout, improving returns on marketing and supporting long-term margin and AOI growth.
Bears Say
Thin Net Margins And Modest ROEProfitability remains narrow relative to revenue scale, leaving results highly sensitive to underwriting volatility and expense swings. Low net margin and modest ROE limit the firm's ability to absorb adverse claims cycles and can slow equity returns as it reinvests to grow.
Rising Customer Acquisition CostsHigher CAC and heavy AOI deployment to new pet adds extend payback periods and increase sensitivity of unit economics. If CAC remains elevated or LTV gains stall, reinvestment could compress margins and strain cash flow generation over the medium term.
Industry Headwinds And Reserve VolatilityReduced vet visits and softer adoption can slow new gross adds and same-store sales, pressuring growth. Coupled with reserve volatility (Q1 included a ~$3.1M adverse development), these trends risk abrupt swings in loss ratios and thin profits.
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 $57.88 in the past 12 months.
What is Trupanion Inc.’s market cap?
Trupanion Inc.’s market cap is $1.03B.
When is Trupanion Inc.’s upcoming earnings report date?
Trupanion Inc.’s upcoming earnings report date is Jul 30, 2026 which is in 44 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 100%
Sector Average ―
Sector Average ―
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
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Negative
20 days / 200 days
Momentum
-54.82%
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
2.01% Insiders
23.24% Mutual Funds
28.20% Other Institutional Investors
27.04% Public Companies and
Individual Investors