Trupanion, Inc. TRUP
- Market cap
- $983.6M
- P/E
- 42.9×
Follow TRUP
Target Price Range
Analyst price targets
Free account| 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 7.61 | 13.71 | 22.38 | 20.84 | 22.48 | 69.74 | 40.77 | 18.45 | 19.69 | 31.00 |
Analyst estimates 2026–2028 Powerpack |
Low Price
|
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| 17.68 | 33.00 | 46.70 | 37.82 | 124.72 | 158.25 | 135.11 | 69.15 | 57.90 | 57.89 |
High Price
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| 450 | 523 | 586 | 738 | 911 | 1,131 | 1,187 | 1,142 | 1,130 | 1,121 |
Employees
|
|||
| 0 | 0 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
Revenue/Emp
|
|||
| 188 | 243 | 304 | 384 | 502 | 699 | 905 | 1,109 | 1,286 | 1,439 |
Revenue
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|||
| 17.68% | 17.74% | 16.90% | 16.91% | 16.31% | 14.93% | 13.50% | 11.82% | 13.91% | 16.05% |
Gross Margin
|
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| (7) | (2) | (1) | (2) | (6) | (35) | (44) | (45) | (10) | 22 |
EBT
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| (3.64%) | (0.80%) | (0.31%) | (0.43%) | (1.14%) | (5.04%) | (4.88%) | (4.06%) | (0.75%) | 1.53% |
EBT Margin
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| (7) | (2) | (1) | (2) | (6) | (36) | (45) | (45) | (10) | 19 |
Net Income
|
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| 4 | 4 | 5 | 6 | 7 | 12 | 11 | 12 | 22 | 17 |
Depreciation
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| 6.60 | 8.20 | 9.51 | 11.08 | 14.00 | 17.41 | 22.20 | 26.75 | 30.50 | 33.50 |
Revenue/Sh
|
|||
| (0.24) | (0.05) | (0.03) | (0.05) | (0.16) | (0.89) | (1.10) | (1.08) | (0.23) | 0.45 |
Earnings/Sh
|
|||
| 0.18 | 0.33 | 0.40 | 0.47 | 0.60 | 0.19 | (0.20) | 0.45 | 1.15 | 2.08 |
Cash Flow/Sh
|
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| (0.07) | (0.11) | (1.78) | (0.16) | (0.21) | (0.31) | (0.42) | (0.44) | (0.23) | (0.33) |
Capex/Sh
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| 0.11 | 0.22 | (1.38) | 0.31 | 0.39 | (0.12) | (0.62) | 0.01 | 0.91 | 1.75 |
Free CF/Sh
|
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| 1.57 | 1.64 | 4.04 | 3.95 | 9.48 | 8.28 | 7.49 | 7.33 | 7.67 | 8.94 |
Book Value/Sh
|
|||
| 29 | 30 | 32 | 35 | 36 | 40 | 41 | 41 | 42 | 43 |
Shares
|
|||
| 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 81.24 |
PE Ratio
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| 2.38 | 3.53 | 2.68 | 3.38 | 8.55 | 7.58 | 2.05 | 1.15 | 1.58 | 1.12 |
PS Ratio
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| 10.01 | 17.68 | 6.30 | 9.49 | 12.63 | 15.95 | 6.09 | 4.20 | 6.29 | 4.18 |
PB Ratio
|
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| 2.12 | 3.31 | 2.45 | 3.19 | 8.09 | 7.28 | 1.89 | 1.02 | 1.44 | 0.94 |
EV/Sales
|
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| 130.23 | 122.77 | (16.84) | 113.59 | 288.36 | (1,038.76) | (68.03) | 3,146.27 | 48.06 | 17.87 |
EV/FCF
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| 5 | 10 | 13 | 16 | 22 | 7 | (8) | 19 | 48 | 89 |
Op' Cash Flow
|
|||
| (2) | (3) | (57) | (5) | (7) | (12) | (17) | (18) | (10) | (14) |
Capex
|
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| 3 | 7 | (44) | 11 | 14 | (5) | (25) | 0 | 39 | 75 |
FCF
|
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| 35 | 41 | 55 | 67 | 187 | 167 | 179 | 218 | 248 | 281 |
Working Cap'
|
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| 5 | 9 | 13 | 26 | 1 | 1 | 69 | 129 | 129 | 112 |
Total Debt
|
|||
| (48) | (54) | (68) | (73) | (229) | (213) | (153) | (148) | (178) | (259) |
Net Debt
|
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| 45 | 48 | 129 | 137 | 340 | 332 | 305 | 304 | 323 | 384 |
Sh' Equity
|
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| (9.00%) | (1.60%) | (0.59%) | (0.78%) | (1.55%) | (6.70%) | (7.24%) | (6.15%) | (1.21%) | 2.26% |
ROA
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| 0.00% | 0.00% | (1.07%) | (1.88%) | (2.77%) | (18.39%) | (17.64%) | (16.34%) | (4.11%) | 6.92% |
ROIC
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| (15.31%) | (3.23%) | (1.04%) | (1.36%) | (2.45%) | (10.57%) | (14.01%) | (14.68%) | (3.07%) | 5.50% |
ROE
|
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Trupanion, Inc. peers in Insurance Property & Casualty
| Company | Market cap | P/E | Compare |
|---|---|---|---|
| HRTG Heritage Insurance Holdings, Inc. | $986.5M | 4.7× | Compare |
| BOW Bowhead Specialty Holdings Inc. | $1.1B | 18.3× | Compare |
| UVE UNIVERSAL INSURANCE HOLDINGS INC | $1.2B | 5.4× | Compare |
| HIPO Hippo Holdings Inc. | $798.0M | 6.4× | Compare |
| Company | Market cap | P/E | Compare |
|---|---|---|---|
| ASIC Ategrity Specialty Insurance Company Holdings | $1.3B | 12.3× | Compare |
| ROOT Root, Inc. | $750.2M | 12.8× | Compare |
| UFCS United Fire Group, Inc | $1.4B | 9.9× | Compare |
| DGICA Donegal Group, Inc. | $662.3M | 9.2× | Compare |
Trupanion, Inc. (TRUP) key facts
- Trupanion, Inc. (TRUP) is an Insurance Property & Casualty company in the Financial sector, listed on Nasdaq.
- Trupanion, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $1.4 billion, up 11.9% from fiscal 2024.
- Net income was $19.4 million, or $0.45 per share (basic), a net margin of 1.35%.
- As of September 25, 2026, TRUP traded at $23.16, a market capitalization of $983.6 million.
- At that price the stock trades at 42.9× trailing-twelve-month earnings and 0.7× sales.
- Return on equity was 5.50% and debt-to-equity 0.26.
Trupanion, Inc. (TRUP) Latest News
21 Sep
Trupanion (TRUP) has paused since March 2026, down about 4.5% around $25.08, lagging the S&P 500’s 16.4% gain. Three risks accompany the stock: BVPS rose only 2.4% per year over five years but accelerated to a 13.5% clip over the last two years, suggesting limited scale but improving equity backing; forward BVPS growth is projected at just 4.1% to $9.09 in the next 12 months; ROE has averaged negative 5.6% over five years, signaling weak profitability and a thin moat. The piece concludes Trupanion isn’t a compelling pick, trading at about 2.6x forward P/B; it recommends other, safer opportunities and teases a non-TRUP stock to buy instead. Weak profitability and slim growth prospects could moderately weigh sentiment and valuation.
13 Aug
Trupanion Inc. held its Q2 earnings call featuring five analyst questions on company performance, operations and outlook. Q2 earnings call questions provide moderate insights into financial results and strategic concerns that can influence near-term investor sentiment.
12 Aug
Trupanion held its Q2 2026 earnings call, covering quarterly results, operational metrics, and management outlook. Earnings releases and guidance directly drive TRUP share price and valuation shifts.
9 Aug
Trupanion (TRUP) earnings beat expectations with improved guidance, indicating the stock could be 28% undervalued. Earnings beat combined with raised guidance signals stronger financial performance likely to lift valuation and investor sentiment.
8 Aug
Trupanion shares rose 10.2% on mixed Q2 results, updated guidance, and Digitail deal. Mixed quarterly results plus new guidance and Digitail deal point to moderate effects on financials and strategy.
7 Aug
Trupanion Inc. reports Q2 earnings, triggering analysis and recommendation on whether to buy, sell or hold TRUP stock. Q2 earnings results affect Trupanion stock trajectory and investor choices.
6 Aug
Trupanion Inc (TRUP) highlighted strong growth and strategic capital initiatives during its Q2 2026 earnings call. Strong growth metrics and capital strategies signal major shifts in company trajectory and investor outlook.
Trupanion, Inc. held its Q2 2026 earnings call, reporting financial results and operational updates for the pet insurance provider. Quarterly earnings data directly informs revenue trends, margins, and growth forecasts that shape near-term stock movement.
Trupanion Q2 earnings call highlights financial results, operational metrics and future outlook for the pet insurance provider. Quarterly earnings call highlights deliver performance updates that can shift near-term investor sentiment and trading activity.
5 Aug
Trupanion exceeded Q2 CY2026 revenue expectations, causing its stock price to surge sharply. Revenue beat triggers immediate stock surge and reinforces positive investor view of operations.
Trupanion reported second quarter 2026 financial results. Quarterly earnings releases deliver key financial metrics that directly shift investor views and company valuation.
Trupanion Q2 earnings are compared to estimates with analysis of key metrics. Q2 earnings versus estimates may shift near-term investor sentiment on financial performance.
Trupanion reported Q2 earnings and revenues exceeding analyst estimates. Quarterly earnings beats typically lift near-term share price and sentiment without altering long-term fundamentals.
4 Aug
Trupanion completes integration with Digitail to cut paperwork and refocus resources on pet services. Digitail integration improves Trupanion operational efficiency with moderate effects on performance.
29 Jul
Lemonade Q2 earnings call outlines revenue growth, loss ratios and expansion plans in pet insurance, with implications for market competition involving Trupanion. Competitor earnings data can moderately shift sector sentiment and Trupanion's relative positioning without altering core operations.
16 Jul
Analysts project Trupanion (TRUP) shares could rise 46.25% based on current price targets and forecasts. Analyst price targets can shift short-term sentiment and trading volume without changing core operations or long-term trajectory.
30 Jun
Trupanion released Q1 earnings, prompting analysis on whether investors should buy, sell or hold the stock. Q1 earnings results and related buy/sell/hold views can moderately shift near-term investor sentiment and trading activity for Trupanion.
3 May
Trupanion (TRUP) returned to profit in Q1 2026 with strong growth momentum, leading to a revised valuation assessment highlighting improved financial outlook. Return to Q1 2026 profitability and growth momentum represent a major positive shift in TRUP's financial trajectory and investor perception.
2 May
Trupanion's Q1 results show pet insurance growth driven by expanded product choices and technology investments. Expanded products and tech investments drive pet growth, signaling major strategic boosts to revenue and market position.
1 May
Trupanion Inc. (TRUP) reported record growth in adjusted operating metrics during Q1 2026 earnings call, highlighting strong revenue expansion, membership gains, and improved profitability. Record growth in adjusted operating metrics indicates major operational improvements poised to enhance financial trajectory and investor sentiment.
30 Apr
Trupanion, Inc. (TRUP) released Q1 earnings call highlights detailing financial performance, operational updates, and forward guidance. Q1 earnings highlights disclose key financial metrics and strategic insights that significantly shape investor sentiment and company trajectory.
Trupanion, Inc. Q1 2026 earnings call highlighted revenue growth, increased subscribers, improved margins, and optimistic full-year guidance amid pet insurance market expansion. Q1 earnings beats and raised guidance significantly boost investor sentiment and TRUP stock trajectory.
Trupanion (TRUP) released Q1 2026 earnings call transcript detailing financial results, operational updates, and forward guidance. Q1 2026 earnings transcript discloses key financial metrics and strategic outlook significantly shaping TRUP's market performance.
Trupanion (TRUP) reported Q1 earnings, analyzing key metrics for performance insights. Q1 earnings report reveals financial metrics that significantly influence investor sentiment and company trajectory.
Trupanion (TRUP) reported Q1 earnings and revenues that beat analyst estimates. Beating Q1 earnings and revenue estimates demonstrates strong financial performance, likely boosting investor sentiment and stock trajectory.
Trupanion (NASDAQ:TRUP) Q1 CY2026 sales exceeded estimates. Topping sales estimates boosts financial performance outlook and investor sentiment significantly.
Trupanion, Inc. (TRUP) reported first quarter 2026 results. Quarterly earnings reports significantly affect financial performance, stock price, and investor sentiment.
27 Apr
Trupanion, Inc. (TRUP) published its 2025 Annual Letter to Shareholders. Annual shareholder letters reveal strategic plans, financial outlooks, and performance insights that can significantly sway investor sentiment and stock trajectory.
20 Mar
Trupanion (TRUP) valuation reassessed amid recent weak share performance and cautious earnings outlook. Weak share performance and subdued earnings outlook moderately affect Trupanion's financial performance and investor sentiment.
6 Mar
Trupanion (TRUP) Q4 earnings spark debate on whether to buy, sell, or hold the stock, analyzing financial results, growth metrics, and future outlook. Q4 earnings directly influence Trupanion's financial performance and short-term market sentiment without fundamentally altering long-term trajectory.