TRUP Stock: Price, Forecast, Financials & AI Analysis

High

Open

VWAP

Vol

Mkt Cap

Low

Amount

EV/EBITDA(TTM)

Total Shares

EV/OCF(TTM)

P/S(TTM)

Market Estimates

Earnings Estimates

Revenue

YoY Chg

EPS

YoYChg

FY2025Q4

FY2026Q1

FY2026Q2

374.21M

+10.94%

0.137

+241.68%

379.08M

+10.85%

0.050

-266.67%

386.66M

+9.36%

0.095

-56.82%

Estimates Revision

The market is revising Upward the revenue expectations for Trupanion, Inc. (TRUP) for FY2025, with the revenue forecasts being adjusted by 0.48% over the past three months. During the same period, the stock price has changed by -12.96%.

Revenue Estimates for FY2025

Revise Upward

+0.48%

In Past 3 Month

EPS Estimates for FY2025

Revise Upward

+28.44%

In Past 3 Month

Stock Price

Go Down

-12.96%

In Past 3 Month

5 Analyst Rating

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 is 54.75 USD with a low forecast of 42.00 USD and a high forecast of 67.00 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.

3 Buy

2 Hold

0 Sell

Moderate Buy

Current: 0.000

Low

42.00

Averages

54.75

High

67.00

Current: 0.000

Low

42.00

Averages

54.75

High

67.00

Piper Sandler

John Barnidge

Overweight -> NULL

downgrade

$67 -> $60

2025-12-19

Reason

Piper Sandler

John Barnidge

Price Target

$67 -> $60

2025-12-19

downgrade

Overweight -> NULL

Reason

Piper Sandler analyst John Barnidge lowered the firm's price target on Trupanion to $60 from $67 and keeps an Overweight rating on the shares. The firm is generally above consensus for most insurtech. The claims environment has been strong, while AI and automation in insurance is borne out and seen directly in this group.

Stifel

Hold

downgrade

$45 -> $42

2025-11-18

Reason

Stifel

Price Target

$45 -> $42

2025-11-18

downgrade

Hold

Reason

Stifel lowered the firm's price target on Trupanion to $42 from $45 and keeps a Hold rating on the shares. After having surveyed current and prospective pet owners about their interest in purchasing pet insurance, the firm found that about 70% of consumers said that the maximum amount per month that they would be willing to spend on pet insurance is $70 or below, which compares to Trupanion's ARPU of $82. The industry growth is "not in Trupanion's sweet spot," says the analyst, who argues that Trupanion is "fishing in the wrong pond" as the company is spending more to acquire less.

Cantor Fitzgerald

NULL -> Neutral

initiated

$47

2025-08-12

Reason

Cantor Fitzgerald

Price Target

$47

2025-08-12

initiated

NULL -> Neutral

Reason

Cantor Fitzgerald initiated coverage of Trupanion with a Neutral rating and $47 price target.

Piper Sandler

John Barnidge

Overweight

maintain

$62 -> $67

2025-08-08

Reason

Piper Sandler

John Barnidge

Price Target

$62 -> $67

2025-08-08

maintain

Overweight

Reason

Piper Sandler analyst John Barnidge raised the firm's price target on Trupanion to $67 from $62 and keeps an Overweight rating on the shares after the company reported earnings. The firm says these were really strong results for a name with among the highest levels of short interest in the insurance ecosystem.

Piper Sandler

John Barnidge

upgrade

$52 -> $62

2025-07-03

Reason

Piper Sandler

John Barnidge

Price Target

$52 -> $62

2025-07-03

upgrade

Reason

Piper Sandler analyst John Barnidge raised the firm's price target on Trupanion to $62 from $52 and keeps an Overweight rating on the shares. The firm notes the company experienced higher than expected level of enrolled pets in Q1, which indicates strong product adoption. Trupanion is seeing positive traction across the vet channel, which should help support future growth in enrolled pets, Piper adds.

Piper Sandler

John Barnidge

Buy

Maintains

$57 → $52

2025-02-20

Reason

Piper Sandler

John Barnidge

Price Target

$57 → $52

2025-02-20

Maintains

Buy

Reason

Piper Sandler lowered the firm's price target on Trupanion to $52 from $57 and keeps an Overweight rating on the shares. While Trupanion achieved 70% loss ratio and 15.3% adjusted operating margin for the company's subscription business in Q4, which is better than targeted levels, growth slowed and 2025 outlook suggested that while there has been a meaningful level of improvement in underwriting results that those rate increases are resulting in a slower than anticipated level of revenue growth as a result of slower growth in subscription enrolled pets, the firm says.

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 -152.25. 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.

N/A

5Y Average PE

-152.25

Current PE

85.07

Overvalued PE

1337.82

Undervalued PE

-1642.32

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.

N/A

5Y Average EV/EBITDA

75.56

Current EV/EBITDA

20.07

Overvalued EV/EBITDA

599.76

Undervalued EV/EBITDA

-448.65

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.

5Y Average PS

2.38

Current PS

1.05

Overvalued PS

4.09

Undervalued PS

0.68

Financials

Annual

Quarterly

N/A

Total Revenue

N/A

Operating Profit

N/A

Net Income after Tax

N/A

EPS - Diluted

N/A

Free Cash Flow

N/A

Gross Profit Margin - %

N/A

FCF Margin - %

N/A

Net Margin - %

Trading Trends

Insider

Insiders are Neutral. There are no significant trading trends over the last month.

Sold

Bought

Hedge Fund

Hedge Funds are Neutral. There are no significant trading trends over the last quarter.

Sold

Bought

Congress Trading

Congress are Neutral. There are no significant trading trends over the last month.

Sold

Bought

Insider

Insiders are Neutral. There are no significant trading trends over the last month.

Sold

Bought

TRUP News & Events

Events Timeline

No data

News

5.0

01-08Globenewswire

Trupanion Named One of Seattle's Best Places to Work for Seventh Consecutive Year

7.5

2025-12-25Benzinga

U.S. Pet Spending Resilience in 2025 Highlights Shift in Consumer Behavior

3.0

2025-12-02Benzinga

Three Financial Stocks Poised for Significant Gains in Q4

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Frequently Asked Questions

What is Trupanion Inc (TRUP) stock price today?

The current price of TRUP is 35.96 USD — it has decreased -0.33 % in the last trading day.

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?

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

Trupanion Inc revenue for the last quarter amounts to 366.92M USD, increased 12.05 % YoY.

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 333.33 % YoY.

What changes have occurred in the market's expectations for Trupanion Inc (TRUP)'s fundamentals?

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

Trupanion Inc (TRUP) has 1130 emplpoyees as of January 10 2026.

What is Trupanion Inc (TRUP) market cap?

Today TRUP has the market capitalization of 1.55B USD.