Trupanion, Inc. TRUP R2K

Financial Services · Insurance - Property & Casualty · United States

https://www.trupanion.com

Trupanion, Inc., together with its subsidiaries, provides medical insurance for cats and dogs on subscription basis in the United States, Canada, Continental Europe, and Australia. The company operates in two segments, Subscription Business and Other Business. It serves pet owners and veterinarians. The company was formerly known as Vetinsurance International, Inc. changed its name to Trupanion, Inc. in 2013. The company was founded in 2000 and is headquartered in Seattle, Washington.

Market & Price

Market Cap

$951.80M

Current Price

$21.82

High / Low (52W)

$56.45 / $21.69

Beta

1.49

Valuation

Stock P/E

36.98

Industry PE

12.01

Forward P/E

5.06

PEG Ratio

Book Value

$9.05

Price to Book

2.41

P/S

0.64

EV/EBITDA

18.33

Dividend Yield

Profitability & Returns

ROCE

7.08%

ROE

7.08%

ROA

1.51%

Profit Margin

1.74%

Op Margin

1.24%

EPS (Latest Qtr)

$0.11

EPS (TTM)

$0.59

Balance Sheet & Liquidity

Debt/Equity

0.28

Quick Ratio

1.69

Current Ratio

1.73

Debt

$109.35M

Total Assets

$915.04M

Current Assets

$691.06M

Working Capital

$281.25M

Ownership

Promoter Holding

15.76%

Chg in Prom Hold

FII / Inst Holding

79.08%

Chg in FII Hold

-0.00%

Financial Snapshot

Enterprise Value

$677.48M

Total Revenue (TTM)

$1.48B

EBITDA

$36.97M

Free Cash Flow

$-13.62M

Operating Cash Flow

$88.12M

Shares Outstanding

43.62M

Gross Margin

22.34%

Payout Ratio

0.00%

Growth (CAGR)

Revenue 5Y

16.72%

Profit 5Y

47.83%

Revenue (YoY)

12.30%

Earnings (YoY)

PROS

Compounding revenue at 16.7% over 5 years.
Profit CAGR of 47.8% over 5 years.

CONS

Trading 61.4% below its 52-week high.
In a downtrend (50-DMA below 200-DMA).

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	TRUP Trupanion, Inc. R2K	21.82	36.98	$951.80M	-	7.08%	7.08%	16.72%	47.83%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Jun 2015	Sep 2015	Dec 2015	Mar 2016	Jun 2016	Sep 2016	Dec 2016	Mar 2017	Jun 2017	Sep 2017	Dec 2017	Mar 2018	Jun 2018	Sep 2018	Dec 2018	Mar 2019	Jun 2019	Sep 2019	Dec 2019	Mar 2020	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Mar 2022	Jun 2022	Sep 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	35.59M	37.87M	40.20M	42.70M	45.83M	48.36M	51.34M	54.73M	58.27M	63.12M	66.55M	69.76M	73.39M	78.16M	82.64M	86.98M	92.20M	99.28M	105.48M	111.30M	117.92M	130.12M	142.69M	154.69M	168.26M	181.67M	206.00M	219.41M	233.76M	256.33M	270.57M	285.85M	306.12M	314.80M	327.46M	341.98M	353.56M	366.92M	376.85M	384.05M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	290.87M	298.73M	306.87M	311.83M	322.56M
Gross Profit	5.79M	6.59M	7.27M	7.30M	8.27M	8.50M	9.22M	9.15M	10.35M	11.81M	11.74M	11.06M	12.35M	13.74M	14.21M	15.03M	14.71M	17.45M	17.73M	17.85M	19.87M	20.59M	-	-	-	-	-	-	-	-	-	-	-	-	-	51.10M	54.83M	60.05M	65.03M	61.49M
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	31.75M	32.67M	32.25M	33.66M	34.10M
Operating Income	-4.62M	-4.61M	-	-2.54M	-957.00K	-1.54M	-	-1.35M	-588.00K	457.00K	-	-1.50M	-257.00K	906.00K	-	-1.28M	-2.11M	843.00K	633.00K	-1.01M	1.51M	-2.26M	-3.17M	-12.73M	-9.51M	-7.19M	-9.11M	-12.77M	-11.90M	-24.49M	-13.09M	-3.49M	-6.14M	-5.47M	1.75M	19.35M	22.16M	27.80M	31.37M	27.39M
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	5.56M	18.19M	13.44M	14.40M	11.54M
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	3.21M	3.68M	2.79M	4.08M	1.88M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-1.44M	10.55M	6.60M	6.29M	5.96M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	39.00K	1.13M	726.00K	663.00K	1.08M
Net Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-1.48M	9.41M	5.87M	5.63M	4.88M
Diluted EPS	-	-	-	-	-0.03	-0.06	-	-	0.01	0.01	-	-0.05	-0.01	0.03	-0.01	-0.04	-0.06	0.02	0.02	-0.03	0.04	-0.07	-0.09	-0.31	-0.23	-0.17	-0.22	-0.33	-0.32	-0.60	-0.33	-0.10	-0.16	-0.14	0.03	-0.03	0.22	0.13	0.13	0.11

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	55.53M	83.83M	115.91M	146.96M	188.23M	242.67M	303.96M	383.94M	502.03M	-	905.18M	1.11B	1.29B	1.44B
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	782.99M	977.59M	1.11B	1.21B
Gross Profit	11.21M	15.64M	19.87M	25.23M	33.29M	43.05M	51.37M	64.92M	-	-	122.19M	131.02M	178.80M	231.01M
Operating Expenses	-	-	-	-	-	-	-	-	-	-	75.43M	94.08M	111.45M	130.33M
Operating Income	-5.54M	-6.99M	-15.95M	-16.77M	-6.70M	-2.64M	-1.04M	-1.92M	-4.93M	-	46.75M	36.93M	67.35M	100.68M
EBITDA	-	-	-	-	-	-	-	-	-	-	-29.01M	-20.48M	21.33M	51.59M
Interest Expense	-	-	-	-	-	-	-	-	-	-	4.27M	12.08M	14.50M	13.76M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-44.20M	-45.03M	-9.64M	21.99M
Tax Provision	-	-	-	-	-	-	-	-	-	-	476.00K	-342.00K	-5.00K	2.56M
Net Income	-6.41M	-8.18M	-21.18M	-	-	-	-	-	-	-	-44.67M	-44.69M	-9.63M	19.43M
Diluted EPS	-	-	-	-	-	-	-	-	-0.16	-	-1.10	-1.08	-0.23	0.45
R&D Expense	3.41M	4.89M	9.90M	-	-	-	-	-	-	-	-	-	-	-

Compounded Sales Growth

5 Years:	16.72%
1 Year:	12.30%

Compounded Profit Growth

5 Years:	47.83%
1 Year:	-

Stock Price Performance

1 Year:	-53.76%
6 Months:	-38.29%
3 Months:	-17.78%
1 Month:	-13.00%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	-	51.65M	98.31M	70.92M	82.34M	105.86M	207.51M	257.20M	498.25M	-	671.63M	782.95M	806.85M	915.04M
Current Assets	-	-	-	-	-	-	-	-	-	-	-	469.10M	562.09M	597.33M	691.06M
Cash & Equivalents	8.09M	4.23M	14.94M	53.10M	17.96M	23.64M	25.71M	26.55M	29.17M	139.88M	-	65.61M	147.50M	160.29M	138.02M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	232.44M	267.90M	274.03M	301.94M
Total Liabilities	-	-	52.93M	39.03M	25.56M	37.63M	57.42M	78.34M	120.44M	158.31M	-	366.33M	479.23M	483.58M	531.11M
Current Liabilities	-	-	26.02M	22.54M	23.62M	30.41M	45.87M	63.20M	91.62M	150.40M	-	289.62M	344.47M	349.63M	409.81M
Long Term Debt	-	-	25.20M	14.90M	0	4.77M	9.32M	12.86M	26.09M	0	-	68.35M	127.58M	127.54M	101.78M
Total Debt	-	-	-	-	-	-	-	-	-	-	-	69.46M	128.93M	128.89M	111.78M
Total Equity	-18.67M	-27.07M	-33.00M	59.27M	45.36M	44.72M	48.43M	129.17M	136.76M	339.94M	-	305.30M	303.72M	323.27M	383.94M
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	42.04M	42.89M	43.52M	44.43M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	-1.54M	-1.02M	-10.80M	-10.43M	5.01M	9.67M	12.68M	16.16M	21.54M	-	-8.00M	18.64M	48.29M	89.49M
Investing Cash Flow	-4.54M	-6.00M	-11.93M	-9.92M	-6.51M	-13.06M	-81.45M	-28.01M	-76.75M	-	-67.52M	7.64M	-13.46M	-95.89M
Financing Cash Flow	2.27M	17.55M	57.86M	-14.21M	7.67M	5.08M	71.23M	14.04M	170.85M	-	60.74M	59.13M	-3.96M	-22.86M
Capital Expenditure	-2.06M	-1.47M	-5.63M	-4.89M	-1.94M	-3.13M	-56.94M	-5.37M	-7.45M	-	-17.09M	-18.28M	-9.72M	-14.13M
Free Cash Flow	-3.60M	-2.50M	-16.43M	-15.32M	3.06M	6.54M	-44.26M	10.78M	14.09M	-	-25.09M	358.00K	38.57M	75.36M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-14.77M	85.40M	30.94M	-29.26M
Share Buybacks	-	-	-	-	-	-	-	-	-	0	5.75M	0	0	-

Ratios (Annual)

Figures in %.

Metric	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	20.2%	18.7%	17.1%	17.2%	17.7%	17.7%	16.9%	16.9%	-	-	13.5%	11.8%	13.9%	16.1%
Operating Margin %	-10.0%	-8.3%	-13.8%	-11.4%	-3.6%	-1.1%	-0.3%	-0.5%	-1.0%	-	5.2%	3.3%	5.2%	7.0%
Net Margin %	-11.5%	-9.8%	-18.3%	-	-	-	-	-	-	-	-4.9%	-4.0%	-0.7%	1.4%
ROE %	23.7%	24.8%	-35.7%	-	-	-	-	-	-	-	-14.6%	-14.7%	-3.0%	5.1%
ROCE %	-	-27.3%	-21.0%	-35.5%	-12.9%	-4.4%	-0.7%	-1.2%	-1.4%	-	12.2%	8.4%	14.7%	19.9%

Shareholding Pattern

Insiders

15.76%

Institutions

79.08%

Public Float

93.87%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Blackrock Inc.	12.48%	5.44M	$118.77M
2	Capital World Investors	8.67%	3.78M	$82.52M
3	AFLAC Inc.	8.34%	3.64M	$79.35M
4	Vanguard Portfolio Management LLC	4.04%	1.76M	$38.46M
5	Polar Capital Holdings PLC	3.73%	1.62M	$35.46M
6	Vanguard Capital Management LLC	3.33%	1.45M	$31.71M
7	FMR, LLC	3.11%	1.35M	$29.56M
8	State Street Corporation	3.02%	1.32M	$28.75M
9	Geode Capital Management, LLC	2.01%	878.07K	$19.16M
10	Greenlea Lane Capital Management, LLC	1.78%	776.49K	$16.94M

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TRUP · Financial Services

Trupanion, Inc.

About

Key Facts

Sector	Financial Services
Industry	Insurance - Property & Casualty
Headquarters	United States
Employees	1,121
Website	https://www.trupanion.com

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Trupanion, Inc. TRUP R2K

Market & Price

Valuation

Profitability & Returns

Balance Sheet & Liquidity

Ownership

Financial Snapshot

Growth (CAGR)

PROS

CONS

Price Chart

Technical Trend

Fundamental Growth

Peer comparison

Quarterly Results

Profit & Loss (Annual)

Compounded Sales Growth

Compounded Profit Growth

Stock Price Performance

Balance Sheet (Annual)

Cash Flows (Annual)

Ratios (Annual)

Shareholding Pattern

Top Institutional Holders

Analyst View

Latest News

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