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TRUP Overview

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$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
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Intellectia

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High
25.755
Open
25.730
VWAP
25.47
Vol
326.84K
Mkt Cap
1.11B
Low
25.200
Amount
8.32M
EV/EBITDA(TTM)
27.21
Total Shares
43.43M
EV
846.35M
EV/OCF(TTM)
9.46
P/S(TTM)
0.77
Trupanion, Inc. is a medical insurance provider for cats and dogs throughout the United States, Canada, certain countries in Continental Europe, and Australia. The Company operates in two segments, namely, Subscription Business and Other Business. The Subscription Business segment includes subscription fees related to the Company's direct-to-consumer products. The Other Business segment comprises other product offerings that generally have a business-to-business relationship and a different margin profile than its subscription segment, including writing policies on behalf of third parties and other products and software solutions. It offers Trupanion, software that is designed to communicate directly with veterinary hospital's practice management software. It provides Powered by Trupanion pet insurance product offerings marketed by third parties and marketed under the brand names Furkin and PHI Direct in Canada, and a Trupanion branded product in Germany and Switzerland.
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Events Timeline

(ET)
2026-03-10
09:10:00
Trupanion Partners with HABRI to Strengthen Human-Animal Bond
select
2026-02-12 (ET)
2026-02-12
16:30:00
Trupanion Q4 Revenue $376.9M Exceeds Expectations
select
2026-01-02 (ET)
2026-01-02
13:10:00
MiniMax Secures Alibaba and ADIA Support for Upcoming Hong Kong IPO
select

News

CNBC
7.5
03-29CNBC
Employers Recognize Employee Pet Care Needs
  • Emerging Employee Trend: As U.S. companies mandate a full return to office, pet care is increasingly recognized as a vital short-term support service, with approximately 59 million Americans providing family care in 2024, highlighting the strong demand for pet care.
  • Significant Absenteeism Impact: A survey by Wagmo reveals that 75% of pet owners missed work due to pet care issues in the past year, with 26% missing six or more days, indicating a direct impact on employee productivity.
  • Expanded Corporate Benefits: Wellthy introduced pet care into its back-up services in 2024, with around 50% of clients offering this benefit, showcasing innovation and adaptability in employee welfare aimed at enhancing satisfaction and retention rates.
  • Context of Caregiving Crisis: While pet care may not be the most urgent need, Wellthy's service expansion aligns with the founder's personal caregiving experiences, aiming to alleviate financial and emotional stress for families, thereby improving overall workplace productivity.
Fool
5.0
03-25Fool
Trupanion CFO Sells Final Shares Under Diversification Plan
  • Sale Overview: Trupanion CFO Fawwad Qureshi sold 2,837 shares of common stock on February 27, 2026, for approximately $75,000, reflecting his decision to implement a financial diversification plan.
  • Execution of Trading Plan: This transaction marks the seventh consistent sale since May 2025, all executed under the same plan, indicating Qureshi's methodical unwinding of his position rather than reacting to market conditions.
  • Impact on Ownership: Following the transaction, Qureshi holds zero shares directly or indirectly in Trupanion, indicating a complete exit from the company's equity with no outstanding derivatives or options.
  • Market Reaction and Strategy: While Qureshi's sale may raise eyebrows, the lack of discretion over timing and pricing, coupled with the stated reason for diversification, suggests that investors should view this as standard financial planning rather than a negative signal.
NASDAQ.COM
5.0
03-25NASDAQ.COM
Trupanion CFO Completes Final Stock Sale
  • Stock Sale Overview: On February 27, 2026, Trupanion CFO Fawwad Qureshi sold 2,837 shares at a weighted average price of $26.46, totaling approximately $75,000, marking the complete liquidation of his direct holdings.
  • Ownership Changes: This transaction reduced Qureshi's direct and indirect ownership to zero, reflecting a consistent pattern of declining holdings over the past year, with the sale executed entirely through direct ownership and no indirect holdings or derivative securities reported.
  • Trading Plan Context: The stock sale was conducted under a 10b5-1 trading plan established in May 2025 aimed at financial diversification, indicating that the sale is not a negative signal regarding the company's outlook but rather a standard financial strategy.
  • Market Reaction and Investor Advice: While Qureshi's sale may raise eyebrows, analysts note that CFOs diversifying out of concentrated stock positions is a common financial practice, and investors should monitor future trading activities before considering purchasing Trupanion stock.
Yahoo Finance
2.0
03-06Yahoo Finance
Trupanion Stock Drops 33.7%: Investment Risks and Opportunities
  • Significant Stock Decline: Trupanion's stock has plummeted 33.7% over the past six months, now trading at $28.77, raising concerns among investors about its future performance and prompting a reevaluation of their investment strategies.
  • Weak Asset Expansion: The company's book value per share (BVPS) has only grown by 10.4% over the last two years, indicating limited capacity for asset expansion, which could negatively impact its long-term financial health and market competitiveness.
  • Poor Return on Equity: Trupanion has averaged a negative return on equity (ROE) of -7.5% over the past five years, a disappointing figure that not only reflects poor performance in absolute terms but also highlights a lack of competitive advantage compared to other insurers achieving over 20% ROE, potentially undermining investor confidence in its future profitability.
  • Cautious Investment Advice: While Trupanion is not a terrible business, its current market performance and financial metrics fall short of investor expectations, leading analysts to recommend that investors consider other more promising opportunities, especially in a rapidly changing market environment.
Newsfilter
1.0
02-23Newsfilter
Trupanion Management to Attend Investor Conferences
  • Investor Conference Schedule: Trupanion's management will participate in the 2026 BofA Securities Animal Health Summit, with Margi Tooth and Fawwad Qureshi presenting at 12:25 PM ET on February 26, enhancing investor engagement and trust throughout the day.
  • Annual Conference Highlights: At the 47th Annual Raymond James Institutional Investor Conference on March 2, Margi Tooth will present at 9:15 AM ET, showcasing the company's leadership in pet medical insurance, which is expected to boost brand awareness and market influence.
  • Technological Advantage Showcase: Trupanion's patented technology allows for direct payments to veterinarians within seconds at checkout, ensuring pet owners experience peace of mind regarding medical expenses, which not only enhances customer satisfaction but may also attract more pet owners to its insurance services.
  • Market Coverage Overview: With over 1 million pets insured across the U.S., Canada, and parts of Europe, Trupanion continues to provide high-value medical insurance, further solidifying its leadership position in the pet insurance market.
seekingalpha
9.5
02-13seekingalpha
Trupanion Reports Record Q4 2025 Earnings and Strategic Outlook
  • Record Performance: Trupanion achieved total revenue of $376.9 million in Q4 2025, marking a 12% year-over-year increase, with nearly $1 billion in subscription revenue for the year, highlighting the company's strong growth potential in the pet insurance market.
  • Significant Net Pet Growth: The company reported a 50% net pet growth in Q4 and a 10% increase for the full year, driven by aggressive investments in new pet acquisition, reflecting management's confidence in future market opportunities.
  • Improved Profitability: Adjusted operating income reached $45 million in Q4, up 26% year-over-year, while the subscription adjusted operating margin increased to 16.5%, demonstrating effective strategies in cost control and revenue growth.
  • Optimistic 2026 Outlook: Management projects total revenue for 2026 to range between $1.55 billion and $1.582 billion, with subscription revenue expected to grow by 14%, indicating a continued focus on market expansion and new product development to seize growth opportunities.
Wall Street analysts forecast TRUP stock price to rise
6 Analyst Rating
Wall Street analysts forecast TRUP stock price to rise
4 Buy
2 Hold
0 Sell
Moderate Buy
Current: 0.000
sliders
Low
42.00
Averages
54.40
High
63.00
Current: 0.000
sliders
Low
42.00
Averages
54.40
High
63.00
Stifel
Hold
to
Hold
downgrade
$38 -> $35
AI Analysis
2026-02-13
Reason
Stifel
Price Target
$38 -> $35
AI Analysis
2026-02-13
downgrade
Hold
to
Hold
Reason
Stifel lowered the firm's price target on Trupanion to $35 from $38 and keeps a Hold rating on the shares.
Piper Sandler
John Barnidge
Overweight
downgrade
$60 -> $45
2026-02-13
Reason
Piper Sandler
John Barnidge
Price Target
$60 -> $45
2026-02-13
downgrade
Overweight
Reason
Piper Sandler analyst John Barnidge lowered the firm's price target on Trupanion to $45 from $60 and keeps an Overweight rating on the shares. The firm notes the company beat its and Street on earnings and Street on revenues with loss ratios a record and retention further improving. There was seasonal deceleration that typically occurs moving to Q4 from Q3 given weather and holiday-related disruptions. Piper believes investors may focus on deceleration in revenue growth given the level of focus at this time by investors on any company focused on distributing products and what disruption AI may play in their business go-forward, and a lower rate of revenue growth does not help to dislodge this notion.
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Valuation Metrics

The current forward P/E ratio for Trupanion Inc (TRUP.O) is 85.07, compared to its 5-year average forward P/E of -153.67. For a more detailed relative valuation and DCF analysis to assess Trupanion Inc's fair value, Click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average PE
-153.67
Current PE
85.07
Overvalued PE
1369.14
Undervalued PE
-1676.49

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average EV/EBITDA
39.33
Current EV/EBITDA
20.07
Overvalued EV/EBITDA
544.60
Undervalued EV/EBITDA
-465.93

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PS
2.23
Current PS
1.05
Overvalued PS
3.80
Undervalued PS
0.66

Financials

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Whales Holding TRUP

H
Hosking Partners LLP
Holding
TRUP
-5.08%
3M Return
C
Check Capital Management Inc
Holding
TRUP
-7.89%
3M Return

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Frequently Asked Questions

What is Trupanion Inc (TRUP) stock price today?

The current price of TRUP is 25.45 USD — it has decreased -2.27

What is Trupanion Inc (TRUP)'s business?

Trupanion, Inc. is a medical insurance provider for cats and dogs throughout the United States, Canada, certain countries in Continental Europe, and Australia. The Company operates in two segments, namely, Subscription Business and Other Business. The Subscription Business segment includes subscription fees related to the Company's direct-to-consumer products. The Other Business segment comprises other product offerings that generally have a business-to-business relationship and a different margin profile than its subscription segment, including writing policies on behalf of third parties and other products and software solutions. It offers Trupanion, software that is designed to communicate directly with veterinary hospital's practice management software. It provides Powered by Trupanion pet insurance product offerings marketed by third parties and marketed under the brand names Furkin and PHI Direct in Canada, and a Trupanion branded product in Germany and Switzerland.

What is the price predicton of TRUP Stock?

Wall Street analysts forecast TRUP stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for TRUP is54.40 USD with a low forecast of 42.00 USD and a high forecast of 63.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

What is Trupanion Inc (TRUP)'s revenue for the last quarter?

Trupanion Inc revenue for the last quarter amounts to 376.85M USD, increased 11.72

What is Trupanion Inc (TRUP)'s earnings per share (EPS) for the last quarter?

Trupanion Inc. EPS for the last quarter amounts to 0.13 USD, increased 225.00

How many employees does Trupanion Inc (TRUP). have?

Trupanion Inc (TRUP) has 1121 emplpoyees as of March 30 2026.

What is Trupanion Inc (TRUP) market cap?

Today TRUP has the market capitalization of 1.11B USD.