TRUP logo

TRUP Trupanion, Inc.

NASDAQ Global Market · Insurance - Specialty · Financial Services

$30.60
-0.40 (-1.29%)

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 k…

Market Cap: $1.33Bwww.trupanion.com

Price (90d)

No price history yet — the daily price refresh runs once a day.

Signal Score (90d)

113
113115118120
Aug 13Aug 14

Quote

Day Range
$30.44 – $31.29
52-Week Range
$21.16 – $49.26
Volume
$270.2K
Market Cap
$1.33B
50-Day Avg
$25.42
200-Day Avg
$29.38
Prev Close
$31.00
Open
$31.18

Valuation & Ratios

P/E Ratio
83.04
EPS
$0.45
P/B Ratio
4.18
P/S Ratio
1.12
Debt/Equity
0.29
Current Ratio
1.07
Dividend Yield
+0.0%
Gross Margin
+28.5%

Returns & Efficiency

Return on Equity
+5.1%
Return on Assets
+2.1%
FCF Yield
+4.7%
EV/EBITDA
30.61

Revenue & Net Income (Annual)

Fiscal YearRevenueNet IncomeEPS
2025$1.44B$19.43M$0.45
2024$1.29B$-9.63M$-0.23
2023$1.11B$-44.69M$-1.08
2022$905.18M$-44.67M$-1.10
2021$698.99M$-35.53M$-0.89

Social Signal Score

67
5d
67
2 mentions
30d
67
2 mentions
60d
67
2 mentions
90d
67
2 mentions
news: 2

Earnings

Thu, Nov 5(in 3 months)

Consensus estimate $0.14 per share

4of 7 quarters beat consensus

Typical surprise +25.0% (median, so one quarter with a near-zero estimate can't distort it)

  • Wed, Aug 5$0.16 vs $0.11beat
  • Thu, Apr 30$0.11 vs $0.07beat
  • Thu, Feb 12$0.13 vs $0.14miss
  • Thu, Nov 6$0.13 vs $0.89miss
  • Thu, Aug 7$0.22 vs $-0.03beat
  • Thu, May 1$-0.03 vs $-0.04beat

Estimates and results for TRUP via Financial Modeling Prep. Beating consensus says the company cleared the bar analysts set, not that the business grew.

Valuation

Project earnings forward and see what return today's price implies.

EPS was negative in at least one boundary year, so a compound growth rate can't be computed from it. Set your own assumption.

EPS in 5 years
$0.66
Implied price
$11.96
Return from $30.60
-17.1% a year

To earn 15.0% a year on these assumptions you'd need to buy at $5.95 -80.6% below today's price.

How sensitive is that answer?

Annual return across nearby assumptions. If the result is only attractive in one corner, that is the finding.

growth \ P/E1215182124
-2.0%-30.7%-27.5%-24.8%-22.4%-20.3%
3.0%-27.1%-23.8%-21.0%-18.5%-16.3%
8.0%-23.6%-20.1%-17.1%-14.5%-12.2%
13.0%-20.0%-16.4%-13.3%-10.6%-8.2%
18.0%-16.5%-12.7%-9.4%-6.6%-4.1%

This is arithmetic on assumptions you chose, not a forecast or a recommendation. It ignores dividends, buybacks, share issuance and debt, and it assumes a company still earning money in 5 years. Change any input and the answer changes a lot — that sensitivity is the honest result, not a flaw in the model.

Mentions (2)

  • Newsseekingalpha.com·1d ago·Positive

    Trupanion: Profitable At Last, But Still Too Expensive To Buy (Upgrade) Trupanion's estimated economic combined ratio improved to 98.5% in H1 2026, extending the underwriting profitability first achieved in 2025. Operating leverage and lower acquisition costs drove much of the improvement, while the H1 loss ratio also declined to 71.0% from 72.1%. Management's 2026 guidance could imply $32–$40 million of net income, providing stronger evidence that scale is finally translating into profitability

    View source ↗
  • Newsglobenewswire.com·2d ago·Positive

    Trupanion Partners with Home To Home® to Help More Pets Transition Directly from One Loving Home to Another SEATTLE, Aug. 13, 2026 (GLOBE NEWSWIRE) -- Every pet deserves the opportunity to live a happy, healthy life in a loving home. But when life takes an unexpected turn, some families are faced with the heartbreaking decision to find a new home for a beloved companion.

    View source ↗