TRUP
Trupanion, Inc.
$31.76
+0.66
(+2.12%)
Mkt Cap
1.39B
Volume
372,444
52W Range
21.16-46.98
Sector
Financial Services
Beta
1.43
EPS (TTM)
0.53 USD
P/E Ratio
59.92
Revenue (TTM)
1.52B USD
Rev Growth (5Y)
+23.5%
EPS Growth (5Y)
N/A
AlphaVal · Fair Value
What we estimate one share is worth
$2.20
Overvalued
strong signal
1341.1% above fair value
Modeled from cash flows & growth.
AlphaQuality · Ungradable
AlphaQuality could not find usable underwriting data (premiums earned and losses incurred) for this company — some insurance brokers and other fee-based businesses never report this and may stay ungradable permanently; a genuine insurer without it yet may become gradable once more data is available.
Company Description
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.
Track Record
Showing latest 4 periods • Swipe for more
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1.44B | 1.29B | 1.11B | 905.18M | 698.99M | 502.03M | 383.94M | 303.96M | 242.67M | 188.23M | 146.96M | 115.91M |
| Net Income | 19.43M | (9.63M) | (44.69M) | (44.67M) | (35.53M) | (5.84M) | (1.81M) | (927,000) | (1.50M) | (6.90M) | (17.20M) | (21.18M) |
| EPS | 0.45 | -0.23 | -1.08 | -1.10 | -0.89 | -0.16 | -0.05 | -0.03 | -0.05 | -0.24 | -0.62 | -0.76 |
| Free Cash Flow | 75.36M | 38.57M | 358,000 | (25.09M) | (4.90M) | 14.09M | 10.78M | (47.22M) | 6.54M | 3.06M | (15.32M) | (16.43M) |
| FCF / Share | 1.75 | 0.91 | 0.01 | -0.62 | -0.12 | 0.39 | 0.31 | -1.48 | 0.22 | 0.11 | -0.55 | -0.59 |
| Operating CF | 89.49M | 48.29M | 18.64M | (8.00M) | 7.46M | 21.54M | 16.16M | 12.68M | 9.67M | 5.01M | (10.43M) | (10.80M) |
| Total Assets | 915.04M | 806.85M | 782.95M | 671.63M | 562.58M | 498.25M | 257.20M | 207.51M | 105.86M | 82.34M | 70.92M | 98.31M |
| Total Debt | 111.78M | 128.89M | 128.93M | 69.46M | 0 | 0 | 26.09M | 12.86M | 9.32M | 4.77M | 0 | 14.90M |
| Cash & Equiv | 138.02M | 160.29M | 147.50M | 65.61M | 87.40M | 139.88M | 29.17M | 26.55M | 25.71M | 23.64M | 17.96M | 53.10M |
| Book Value | 383.94M | 323.27M | 303.72M | 305.30M | 332.20M | 339.94M | 136.76M | 129.17M | 48.43M | 44.72M | 45.36M | 59.27M |
| Return on Equity | 0.05 | -0.03 | -0.15 | -0.15 | -0.11 | -0.02 | -0.01 | -0.01 | -0.03 | -0.15 | -0.38 | -0.36 |
| Metric | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 392.93M | 384.05M | 376.85M | 366.92M | 353.56M | 341.98M | 337.31M | 327.46M | 314.80M | 306.12M | 295.86M | 285.85M |
| Net Income | 6.83M | 4.88M | 5.63M | 5.87M | 9.41M | (1.48M) | 1.66M | 1.43M | (5.86M) | (6.85M) | (2.16M) | (4.04M) |
| EPS | 0.16 | 0.11 | 0.13 | 0.13 | 0.22 | -0.03 | 0.04 | 0.03 | -0.14 | -0.16 | -0.05 | -0.10 |
| Free Cash Flow | 19.16M | 13.75M | 25.34M | 23.93M | 12.05M | 14.04M | 21.84M | 13.38M | 3.98M | (631,000) | 13.54M | 7.01M |
| FCF / Share | 0.44 | 0.32 | 0.60 | 0.56 | 0.28 | 0.33 | 0.52 | 0.32 | 0.09 | -0.02 | 0.32 | 0.17 |
| Operating CF | 20.98M | 14.59M | 29.26M | 29.24M | 15.03M | 15.96M | 23.70M | 15.29M | 6.86M | 2.43M | 17.51M | 11.40M |
| Total Assets | 930.81M | 921.58M | 915.04M | 880.17M | 847.79M | 837.16M | 806.85M | 816.12M | 795.95M | 789.46M | 782.95M | 772.03M |
| Total Debt | 106.91M | 109.35M | 111.78M | 114.54M | 114.47M | 128.88M | 128.89M | 128.90M | 128.91M | 128.83M | 128.93M | 128.93M |
| Cash & Equiv | 149.36M | 153.46M | 138.02M | 154.77M | 122.74M | 166.31M | 160.29M | 137.48M | 124.34M | 146.46M | 147.50M | 150.34M |
| Book Value | 409.67M | 394.82M | 383.94M | 368.56M | 355.45M | 333.67M | 323.27M | 320.18M | 305.85M | 303.37M | 303.72M | 289.46M |
| Return on Equity | 0.02 | 0.01 | 0.01 | 0.02 | 0.03 | -0.00 | 0.01 | 0.00 | -0.02 | -0.02 | -0.01 | -0.01 |
TRUP News
Trupanion: Profitable At Last, But Still Too Expensive To Buy (Upgrade)
California State Teachers Retirement System Buys 16,930 Shares of Trupanion, Inc. $TRUP
Trupanion Partners with Home To Home® to Help More Pets Transition Directly from One Loving Home to Another
4 Accident & Health Insurers to Watch Amid Elevated Healthcare Costs
Dimensional Fund Advisors LP Boosts Stock Holdings in Trupanion, Inc. $TRUP
Should You Buy, Sell or Hold Trupanion Stock Post Q2 Earnings?
Trupanion, Inc. (TRUP) Q2 2026 Earnings Call Transcript
Trupanion Q2 Earnings Call Highlights
Compared to Estimates, Trupanion (TRUP) Q2 Earnings: A Look at Key Metrics
Trupanion (TRUP) Q2 Earnings and Revenues Beat Estimates