Trupanion, Inc. TRUP R2K
Company Overview
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.
Why Investors Should Care
Revenue has grown at a 28.4% CAGR over the past five years.
Carries low leverage with a debt-to-equity ratio of 0.28.
Recent Developments
- Dec 2025 Revenue of $1.44B (+11.9% YoY); net profit $19.43M.
- Trailing 12 Months Year-on-year growth — revenue +12.3%.
- 5-Year Trend Long-term compounding — revenue CAGR 28.4%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 28.45% |
| 1 Year: | 12.30% |
Stock Price Performance
| 1 Year: | -49.92% |
| 6 Months: | -30.43% |
| 3 Months: | -3.01% |
| 1 Month: | +7.70% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMABelow
- RSI (14)52.61 · Neutral
P/E of 43.17 is above the sector median of 13.52 — pricier than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Compounding revenue at 28.4% over 5 years.
CONS
- Trading 50.2% below its 52-week high.
- In a downtrend (50-DMA below 200-DMA).
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
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 | 25.47 | 43.17 | $1.11B | 0.00% | 2.74% | 7.08% | 28.45% | - |
| 2 | JPM JPMorgan Chase & Co. SPX | 346.91 | 16.61 | $929.55B | 1.87% | - | 16.47% | 5.35% | 7.56% |
| 3 | BRK-B Berkshire Hathaway Inc. SPX | 488.35 | 14.54 | $682.86B | 0.00% | - | 10.50% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPX | 355.14 | 30.99 | $589.43B | 0.75% | 37.15% | 60.35% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPX | 535.21 | 30.99 | $469.40B | 0.65% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPX | 61.59 | 15.28 | $432.24B | 1.88% | - | 10.64% | 6.00% | 3.49% |
| 7 | MS Morgan Stanley SPX | 228.55 | 20.70 | $360.49B | 1.76% | - | 16.39% | 3.76% | 9.66% |
| 8 | GS The Goldman Sachs Group, Inc. SPX | 1,152.07 | 17.79 | $339.87B | 1.58% | - | 16.95% | - | 2.21% |
| 9 | WFC Wells Fargo & Company SPX | 87.51 | 13.53 | $267.80B | 2.11% | - | 12.03% | 4.02% | 15.98% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Mar 2015 | 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 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 33.31M | 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 | 384.05M |
| Gross Profit | 5.58M | 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 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Income | -4.56M | -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 | -1.47M | 2.31M | 5.86M | 4.78M |
| 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 | 0.11 |
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 | 698.99M | 905.18M | 1.11B | 1.29B | 1.44B |
| Gross Profit | 11.21M | 15.64M | 19.87M | 25.23M | 33.29M | 43.05M | 51.37M | 64.92M | - | - | - | - | - | - |
| Operating Income | -5.54M | -6.99M | -15.95M | -16.77M | -6.70M | -2.64M | -1.04M | -1.92M | -4.93M | -35.20M | -43.00M | -40.66M | -9.51M | 13.84M |
| Net Income | -6.41M | -8.18M | -21.18M | -17.20M | -6.90M | -1.50M | -927.00K | -1.81M | -5.84M | -35.53M | -44.67M | -44.69M | -9.63M | 19.43M |
| Diluted EPS | - | - | - | - | - | - | - | - | -0.16 | -0.89 | -1.10 | -1.08 | -0.23 | 0.45 |
| R&D Expense | 3.41M | 4.89M | 9.90M | - | - | - | - | - | - | - | - | - | - | - |
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 | 562.58M | 671.63M | 782.95M | 806.85M | 915.04M |
| Total Equity | -18.67M | -27.07M | -33.00M | 59.27M | 45.36M | 44.72M | 48.43M | 129.17M | 136.76M | 339.94M | 332.20M | 305.30M | 303.72M | 323.27M | 383.94M |
| Cash & Equivalents | 8.09M | 4.23M | 14.94M | 53.10M | 17.96M | 23.64M | 25.71M | 26.55M | 29.17M | 139.88M | 87.40M | 65.61M | 147.50M | 160.29M | 138.02M |
| Long Term Debt | - | - | 25.20M | 14.90M | 0 | 4.77M | 9.32M | 12.86M | 26.09M | 0 | 0 | 68.35M | 127.58M | 127.54M | 101.78M |
| Total Liabilities | - | - | 52.93M | 39.03M | 25.56M | 37.63M | 57.42M | 78.34M | 120.44M | 158.31M | 230.38M | 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 | 223.70M | 289.62M | 344.47M | 349.63M | 409.81M |
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 | 7.46M | -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 | -51.91M | -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 | -1.12M | 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 | -12.36M | -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 | -4.90M | -25.09M | 358.00K | 38.57M | 75.36M |
| 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% | - | - | - | - | - | - |
| Operating Margin % | -10.0% | -8.3% | -13.8% | -11.4% | -3.6% | -1.1% | -0.3% | -0.5% | -1.0% | -5.0% | -4.8% | -3.7% | -0.7% | 1.0% |
| Net Margin % | -11.5% | -9.8% | -18.3% | -11.7% | -3.7% | -0.6% | -0.3% | -0.5% | -1.2% | -5.1% | -4.9% | -4.0% | -0.7% | 1.4% |
| ROE % | 23.7% | 24.8% | -35.7% | -37.9% | -15.4% | -3.1% | -0.7% | -1.3% | -1.7% | -10.7% | -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% | -10.4% | -11.3% | -9.3% | -2.1% | 2.7% |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Blackrock Inc. | 12.48% | 5.44M | $136.11M |
| 2 | Capital World Investors | 8.67% | 3.78M | $94.56M |
| 3 | AFLAC Inc. | 8.34% | 3.64M | $90.93M |
| 4 | Vanguard Portfolio Management LLC | 4.04% | 1.76M | $44.07M |
| 5 | Polar Capital Holdings PLC | 3.73% | 1.62M | $40.63M |
| 6 | Vanguard Capital Management LLC | 3.33% | 1.45M | $36.34M |
| 7 | FMR, LLC | 3.11% | 1.35M | $33.87M |
| 8 | State Street Corporation | 3.02% | 1.32M | $32.94M |
| 9 | Geode Capital Management, LLC | 2.01% | 878.07K | $21.96M |
| 10 | Greenlea Lane Capital Management, LLC | 1.78% | 776.49K | $19.42M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for TRUP
Why Trupanion (TRUP) Stock Is Down Today - Yahoo Finance
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Is Trupanion (TRUP) Undervalued Or Has Its Recent Rebound Already Priced In? - Yahoo Finance
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Trupanion CEO Margi Tooth joins Piper Sandler webcast June 30 - Stock Titan
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TRUP — Frequently Asked Questions
What is the current share price of Trupanion, Inc. (TRUP)?
As of 2026-07-15 16:51 PDT, Trupanion, Inc. (TRUP) trades at $25.47 on NasdaqGM. Its 52-week range is $21.46 to $51.16.
What is the market capitalisation of TRUP?
Trupanion, Inc. (TRUP) has a market capitalisation of $1.11B on NasdaqGM.
What is the P/E ratio of TRUP?
TRUP trades at a trailing price-to-earnings (P/E) ratio of 43.17. The industry average P/E is 13.52. Its price-to-book (P/B) ratio is 2.61.
What is the return on equity (ROE) of TRUP?
TRUP has a return on equity (ROE) of 7.08%. Its return on capital employed (ROCE) is 2.74%.
Is TRUP a good stock to buy?
This page provides a data-driven analysis of Trupanion, Inc. (TRUP), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.