
TRUP
Trupanion Inc
- Overview
- Forecast
- Valuation
- Earnings

Line
|

Candle
1D
5D
1M
3M
6M
YTD
1Y
5Y
High
49.930
Open
49.470
VWAP
49.68
Vol
300.84K
Mkt Cap
2.13B
Low
48.750
Amount
14.95M
EV/EBITDA(TTM)
112.00
Total Shares
42.02M
EV
1.94B
EV/OCF(TTM)
31.35
P/S(TTM)
1.60
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.
Show More
Market Estimates
Earnings Estimates
Revenue
YoY Chg
EPS
YoYChg
FY2025Q4
FY2025Q3
FY2025Q2
360.19M
+6.78%
--
--
354.42M
+8.23%
--
--
346.67M
+10.12%
--
--
Estimates Revision
The market is revising Upward the revenue expectations for Trupanion, Inc. (TRUP) for FY2025, with the revenue forecasts being adjusted by 1.17% over the past three months. During the same period, the stock price has changed by 32.47%.
Revenue Estimates for FY2025
Revise Upward

+1.17%
In Past 3 Month
Stock Price
Go Up

+32.47%
In Past 3 Month
6 Analyst Rating

9.07% Upside
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 54.33 USD with a low forecast of 41.00 USD and a high forecast of 62.00 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.
4 Buy
2 Hold
0 Sell
Moderate Buy

9.07% Upside
Current: 49.810

Low
41.00
Averages
54.33
High
62.00

9.07% Upside
Current: 49.810

Low
41.00
Averages
54.33
High
62.00
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.
Stifel
Jonathan Block
Hold
Maintains
$44 → $41
2025-02-20
Reason
Stifel
Jonathan Block
Price Target
$44 → $41
2025-02-20
Maintains
Hold
Reason
Piper Sandler
John Barnidge
Hold
to
Buy
Upgrades
$57
2025-01-23
Reason
Piper Sandler
John Barnidge
Price Target
$57
2025-01-23
Upgrades
Hold
to
Buy
Reason
Stifel
Jonathan Block
Hold
Maintains
$42 → $44
2025-01-06
Reason
Stifel
Jonathan Block
Price Target
$42 → $44
2025-01-06
Maintains
Hold
Reason
Stifel raised the firm's price target on Trupanion to $44 from $42 and keeps a Hold rating on the shares. Risk-based capital requirements for the company increased modestly quarter-over-quarter following declines in Q1 and Q2 of 2024, the analyst tells investors.
Piper Sandler
John Barnidge
Hold
Maintains
$45 → $57
2024-10-31
Reason
Piper Sandler
John Barnidge
Price Target
$45 → $57
2024-10-31
Maintains
Hold
Reason
Piper Sandler analyst John Barnidge raised the firm's price target on Trupanion to $57 from $45 and keeps a Neutral rating on the shares following quarterly results. The firm notes Trupanion's stock price has meaningfully moved off the lows, which priced in ahead achieving 71% targeted loss ratio in Q3, which is a positive surprise. That said, persistency continues to fall while the subscription business saw continued growth deceleration with enrolled subscription pets only higher by 1.1% quarter-to-quarter.
See All Ratings
Valuation Metrics
The current forward P/E ratio for Trupanion Inc (TRUP.O) is -1423.14, compared to its 5-year average forward P/E of -262.44. 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
-262.44
Current PE
-1423.14
Overvalued PE
1250.48
Undervalued PE
-1775.36
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
97.71
Current EV/EBITDA
36.39
Overvalued EV/EBITDA
626.59
Undervalued EV/EBITDA
-431.18
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.

Fair
5Y Average PS
2.75
Current PS
1.47
Overvalued PS
4.62
Undervalued PS
0.87
Financials
Annual
Quarterly
FY2025Q1
YoY :
+11.71%
341.98M
Total Revenue
FY2025Q1
YoY :
-80.64%
-1.17M
Operating Profit
FY2025Q1
YoY :
-78.36%
-1.48M
Net Income after Tax
FY2025Q1
YoY :
-81.25%
-0.03
EPS - Diluted
FY2025Q1
YoY :
-2324.41%
14.04M
Free Cash Flow
FY2025Q1
YoY :
+30.47%
13.83
Gross Profit Margin - %
FY2025Q1
YoY :
+295.10%
4.03
FCF Margin - %
FY2025Q1
YoY :
-80.80%
-0.43
Net Margin - %
Trading Trends
Insider
Insiders are Neutral. There are no significant trading trends over the last month.
Sold
0-3
Months
655.8K
USD
6
3-6
Months
1.2M
USD
8
6-9
Months
1.0M
USD
6
0-12
Months
405.2K
USD
3
Bought
0-3
0
0.0
USD
Months
3-6
0
0.0
USD
Months
6-9
0
0.0
USD
Months
0-12
0
0.0
USD
Months
Hedge Fund
Hedge Funds are Neutral. There are no significant trading trends over the last quarter.
Sold
0-3
Months
0.0
Volume
0
3-6
Months
0.0
Volume
0
6-9
Months
575.0
Volume
1
0-12
Months
0.0
Volume
0
Bought
0-3
0
0.0
Volume
Months
3-6
1
1.4K
Volume
Months
6-9
0
0.0
Volume
Months
0-12
0
0.0
Volume
Months
Congress Trading
Congress are Neutral. There are no significant trading trends over the last month.
Sold
0-3
Months
0.0
USD
0
3-6
Months
0.0
USD
0
6-9
Months
0.0
USD
0
0-12
Months
0.0
USD
0
Bought
0-3
0
0.0
USD
Months
3-6
0
0.0
USD
Months
6-9
0
0.0
USD
Months
0-12
0
0.0
USD
Months
Insider
Insiders are Neutral. There are no significant trading trends over the last month.
Sold
0-3
Months
655.8K
USD
6
3-6
Months
1.2M
USD
8
6-9
Months
1.0M
USD
6
0-12
Months
405.2K
USD
3
Bought
0-3
0
0.0
USD
Months
3-6
0
0.0
USD
Months
6-9
0
0.0
USD
Months
0-12
0
0.0
USD
Months
TRUP News & Events
Events Timeline
2025-02-19 (ET)
2025-02-19
16:29:23
Trupanion reports Q4 EPS 4c vs. (5c) last year

2025-02-19
16:28:28
Trupanion reports Q EPS 4c vs. (5c) last year

2024-11-21 (ET)
2024-11-21
07:15:02
Trupanion reports paying over $3B in medical bills to veterinarians, pet parents

Sign Up For More Events
Sign Up For More Events
News
9.5
07-17NewsfilterTrupanion Announces Second Quarter 2025 Earnings Release and Conference Call
3.0
07-14NASDAQ.COMUNM Outperforms Industry, Trades at a Premium: Should You Buy the Stock?
1.0
06-26NewsfilterTrupanion to Host 2025 Annual Investor Day on September 17
Sign Up For More News
People Also Watch

HSAI
Hesai Group
21.300
USD
0.00%

APLD
Applied Digital Corp
10.750
USD
-4.02%

NPWR
NET Power Inc
2.800
USD
+2.19%

CNTA
Centessa Pharmaceuticals PLC
15.410
USD
-0.45%

ZIM
ZIM Integrated Shipping Services Ltd
16.730
USD
+1.46%

CEPU
Central Puerto SA
12.100
USD
+1.00%

GTX
Garrett Motion Inc
12.940
USD
+6.15%

ARDT
Ardent Health Inc
11.060
USD
+2.50%

FWONA
Formula One Group
92.700
USD
-0.89%

UTZ
UTZ Brands Inc
14.320
USD
-0.97%
FAQ

What is Trupanion Inc (TRUP) stock price today?
The current price of TRUP is 49.81 USD — it has increased 1.61 % in the last trading day.

What is Trupanion Inc (TRUP)'s business?

What is the price predicton of TRUP Stock?

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

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

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

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