Trupanion/$TRUP
1D1W1M3M6MYTD1Y5YMAX
Capital at risk
About Trupanion
Trupanion Inc is a specialty insurance products provider in the United States. Its core business is the sale of insurance products tailor-made for pets, especially cats and dogs. It operates in two business segments: The subscription business segment generates revenue majorly from subscription fees related to the company's direct-to-consumer products and Other business segment is comprised of revenue from other product offerings that generally have a business-to-business relationship and a different margin profile than subscription business segment, including revenue from writing policies on behalf of third parties and revenue from other products and software solutions. Geographically, the company operates in United States, which derives maximum revenue; and Canada and Others.
- Ticker
- $TRUP
- Sector
- Finance
- Primary listing
- NASDAQ
- Employees
- 1,121
- Headquarters
- Seattle, United States
- Website
- www.trupanion.com
Trupanion Metrics
BasicAdvanced
$1.3B
56.33
$0.53
1.45
-
Price and volume
Market cap
$1.3B
Beta
1.45
52-week high
$46.98
52-week low
$21.16
Average daily volume
394K
Financial strength
Current ratio
1.774
Quick ratio
1.728
Long term debt to equity
0.237
Total debt to equity
0.261
Interest coverage (TTM)
2.39%
Profitability
EBITDA (TTM)
40.739
Gross margin (TTM)
22.58%
Net profit margin (TTM)
1.53%
Operating margin (TTM)
1.66%
Effective tax rate (TTM)
11.47%
Revenue per employee (TTM)
$1,360,000
Management effectiveness
Return on assets (TTM)
1.78%
Return on equity (TTM)
6.07%
Valuation
Price to earnings (TTM)
56.331
Price to revenue (TTM)
0.86
Price to book
3.23
Price to tangible book (TTM)
3.8
Price to free cash flow (TTM)
15.912
Free cash flow yield (TTM)
6.28%
Free cash flow per share (TTM)
1.894
Growth
Revenue change (TTM)
11.80%
Earnings per share change (TTM)
113.80%
3-year revenue growth (CAGR)
14.74%
10-year revenue growth (CAGR)
24.75%
3-year earnings per share growth (CAGR)
-28.74%
10-year earnings per share growth (CAGR)
2.85%
What the Analysts think about Trupanion
Analyst ratings (Buy, Hold, Sell) for Trupanion stock.
Analyst projections of the future price of Trupanion stock.
Bulls say / Bears say
Subscription revenue rose 14% year on year in Q2, with subscription pets up 5% and retention at 98.37%. Net subscription pet additions grew 39% year on year, suggesting recent acquisition efforts are gaining traction. (Nasdaq, The Motley Fool)
The core subscription business is converting growth into stronger operating returns: adjusted operating income rose 24% and its margin widened to 15% from 13.8%. Q2 free cash flow also increased to $19.2 million from $12.0 million a year earlier. (The Motley Fool)
Trupanion is expanding its routes to customers through a new integration with veterinary practice software platform Digitail, bringing its claims and payment tools into clinic workflows. Management also said it plans to launch a new digital insurance offering in the first half of 2027, which could extend its reach to new customer groups. (Trupanion, The Motley Fool)
Total enrolled pets fell 2% year on year in Q2, despite growth in subscriptions, and Trupanion expects to end its Pets Best relationship after Q3 2028. The contract exit could weigh on the other business segment’s volume and revenue as those policies run off. (SEC)
Claims costs remain a risk to underwriting margins: Trupanion reported $2.4 million of unfavourable veterinary-invoice reserve development in the first half of 2026, driven by higher-than-expected claim frequency in older accident years. The company also says pricing changes can take time to secure regulatory approval and flow through policies, leaving margins exposed if costs rise quickly. (SEC)
Pet acquisition is becoming more expensive: average acquisition cost rose to $299 in Q2 from $276 a year earlier. Piper Sandler also flagged a contracting US puppy veterinary-visit funnel and an ageing pet cohort with costlier care, which could constrain new-customer growth and pressure margins. (The Motley Fool, Investing.com)
Data summarised monthly by Lightyear AI. Last updated on 26 Oct 2026.
Trupanion Financial Performance
Revenues and expenses
Trupanion Earnings Performance
Company profitability
Upcoming events
No upcoming events
Trupanion News
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Funds containing Trupanion
AllUSDEURGBP
Fund name | Fund size | $TRUP weighting |
|---|---|---|
iShares S&P SmallCap 600$IDP6 | $3.2B | 0.06% |
iShares S&P Small Cap 600£ISP6 | $3.2B | 0.06% |
SPDR Russell 2000 US Small Cap£R2SC | $5.3B | 0.03% |
SPDR Russell 2000 US Small Cap€R2US | $5.3B | 0.03% |
SPDR MSCI USA Small Cap Value Weighted$USSC | $1.1B | 0.02% |
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
Real-time US market data is sourced from the IEX order book provided by Polygon. After-hours US market data is 15 minutes delayed and may differ significantly from the actual tradable price at market open.