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Trupanion, Inc. TRUP R2KR3KFINANCIAL

Financial Services · Insurance - Property & Casualty · United States
https://www.trupanion.com
Company Profile ↓
$29.32
-41.89% 1Y
Mkt Cap$1.29B
P/E55.32
P/B2.68
52W High$50.46
52W Low$21.46
Book Value$9.34
EPS (TTM)$0.53

Company Overview

Trupanion, Inc., together with its subsidiaries, provides medical insurance for cats and dogs on subscription basis in the United States, Canada, and Continental Europe. 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. and changed its name to Trupanion, Inc. in 2013. Trupanion, Inc. was founded in 2000 and is headquartered in Seattle, Washington.

Why Investors Should Care

Steady Revenue Expansion

Revenue has grown at a 28.4% CAGR over the past five years.

Conservative Balance Sheet

Carries low leverage with a debt-to-equity ratio of 0.26.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Dec 2025 Revenue of $1.44B (+11.9% YoY); net profit $19.43M.
  • Trailing 12 Months Year-on-year growth — revenue +11.1%, earnings -28.9%.
  • 5-Year Trend Long-term compounding — revenue CAGR 28.4%.

Growth & Price Performance

Compounded Sales Growth

5 Years:28.45%
1 Year:11.10%

Compounded Profit Growth

5 Years:-
1 Year:-28.90%

Stock Price Performance

1 Year:-41.89%
6 Months:+6.77%
3 Months:+17.89%
1 Month:+30.78%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 27% of range
$21.46 $50.46
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • Golden Cross7d ago
  • RSI (14)66.44 · Neutral
Price Performance
1M+30.78%
3M+17.89%
6M+6.77%
1Y-41.89%
Valuation vs Sector

P/E of 55.32 is above the sector median of 13.55 — pricier than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

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.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

  • Trading at a high P/E of 55.3.
  • Trading 41.9% below its 52-week high.

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

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Valuation

Stock P/E
55.32
Industry PE
13.55
Forward P/E
6.88
PEG Ratio
-
Book Value
$9.34
Price to Book
2.68
P/S
0.72
EV/EBITDA
19.84
Dividend Yield
0.00%

Growth (CAGR)

Revenue 5Y
28.45%
Profit 5Y
-
Revenue (YoY)
11.10%
Earnings (YoY)
-28.90%

Profitability & Returns

ROCE
2.74%
ROE
6.07%
ROA
1.78%
Profit Margin
1.53%
Op Margin
1.62%
Gross Margin
22.58%
EPS (Latest Qtr)
$0.16
EPS (TTM)
$0.53

Balance Sheet & Liquidity

Debt/Equity
0.26
Quick Ratio
1.73
Current Ratio
1.77
Debt
$106.91M
Total Assets
$930.81M
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
15.69%
Chg in Prom Hold
-0.02%
FII / Inst Holding
78.94%
Chg in FII Hold
-0.01%

Financial Snapshot

Enterprise Value
$1.29B
Total Revenue (TTM)
$1.52B
EBITDA
$40.74M
Free Cash Flow
$11.55M
Operating Cash Flow
$94.08M
Shares Outstanding
43.87M
Gross Margin
22.58%
Payout Ratio
0.00%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 TRUP Trupanion, Inc. R2KR3KFINANCIAL 29.32 55.32 $1.29B 0.00% 2.74% 6.07% 28.45% -
2 JPM JPMorgan Chase & Co. SPXR3KFINANCIAL 331.58 14.21 $881.40B 1.72% - 17.79% 12.50% 14.83%
3 BRK-B Berkshire Hathaway Inc. SPXFINANCIAL 542.19 13.64 $763.42B 0.00% - 12.12% 4.18% 9.44%
4 V Visa Inc. SPXR3KFINANCIAL 407.92 34.69 $695.14B 0.72% 37.15% 61.19% 14.33% 13.04%
5 MA Mastercard Incorporated SPXR3KFINANCIAL 623.60 34.34 $542.20B 0.62% 60.19% - 12.29% 19.21%
6 BRK-A Berkshire Hathaway Inc. FINANCIAL 813,595.00 13.64 $397.40B 0.00% - 12.12% 7.60% 10.02%
7 BAC Bank of America Corporation SPXR3KFINANCIAL 50.56 11.68 $353.55B 2.39% - 11.20% 3.14% 4.27%
8 HSBC HSBC Holdings plc FINANCIAL 90.68 12.95 $310.38B 3.65% - 13.10% 9.75% 12.72%
9 MS Morgan Stanley SPXR3KFINANCIAL 179.49 14.51 $281.90B 2.26% - 17.97% 3.76% 9.66%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Jun 2015Sep 2015Dec 2015Mar 2016Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Mar 2026Jun 2026
Revenue 35.59M37.87M40.20M42.70M45.83M48.36M51.34M54.73M58.27M63.12M66.55M69.76M73.39M78.16M82.64M86.98M92.20M99.28M105.48M111.30M117.92M130.12M142.69M154.69M168.26M181.67M206.00M219.41M233.76M256.33M270.57M285.85M306.12M314.80M327.46M341.98M353.56M366.92M384.05M392.93M
Gross Profit 5.79M6.59M7.27M7.30M8.27M8.50M9.22M9.15M10.35M11.81M11.74M11.06M12.35M13.74M14.21M15.03M14.71M17.45M17.73M17.85M19.87M20.59M------------------
Operating Income -4.62M-4.61M--2.54M-957.00K-1.54M--1.35M-588.00K457.00K--1.50M-257.00K906.00K--1.28M-2.11M843.00K633.00K-1.01M1.51M-2.26M-3.17M-12.73M-9.51M-7.19M-9.11M-12.77M-11.90M-24.49M-13.09M-3.49M-6.14M-5.47M1.75M-1.47M2.31M5.86M4.78M6.38M
Diluted EPS -----0.03-0.06--0.010.01--0.05-0.010.03-0.01-0.04-0.060.020.02-0.030.04-0.07-0.09-0.31-0.23-0.17-0.22-0.33-0.32-0.60-0.33-0.10-0.16-0.140.03-0.030.220.130.110.16

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue 55.53M83.83M115.91M146.96M188.23M242.67M303.96M383.94M502.03M698.99M905.18M1.11B1.29B1.44B
Gross Profit 11.21M15.64M19.87M25.23M33.29M43.05M51.37M64.92M------
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-9.51M13.84M
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-9.63M19.43M
Diluted EPS ---------0.16-0.89-1.10-1.08-0.230.45
R&D Expense 3.41M4.89M9.90M-----------

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --51.65M98.31M70.92M82.34M105.86M207.51M257.20M498.25M562.58M671.63M782.95M806.85M915.04M
Total Equity -18.67M-27.07M-33.00M59.27M45.36M44.72M48.43M129.17M136.76M339.94M332.20M305.30M303.72M323.27M383.94M
Cash & Equivalents 8.09M4.23M14.94M53.10M17.96M23.64M25.71M26.55M29.17M139.88M87.40M65.61M147.50M160.29M138.02M
Long Term Debt --25.20M14.90M04.77M9.32M12.86M26.09M0068.35M127.58M127.54M101.78M
Total Liabilities --52.93M39.03M25.56M37.63M57.42M78.34M120.44M158.31M230.38M366.33M479.23M483.58M531.11M
Current Liabilities --26.02M22.54M23.62M30.41M45.87M63.20M91.62M150.40M223.70M289.62M344.47M349.63M409.81M

Cash Flows (Annual)

Figures in USD.

Metric Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow -1.54M-1.02M-10.80M-10.43M5.01M9.67M12.68M16.16M21.54M7.46M-8.00M18.64M48.29M89.49M
Investing Cash Flow -4.54M-6.00M-11.93M-9.92M-6.51M-13.06M-81.45M-28.01M-76.75M-51.91M-67.52M7.64M-13.46M-95.89M
Financing Cash Flow 2.27M17.55M57.86M-14.21M7.67M5.08M71.23M14.04M170.85M-1.12M60.74M59.13M-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-15.32M3.06M6.54M-44.26M10.78M14.09M-4.90M-25.09M358.00K38.57M75.36M
Share Buybacks ---------05.75M00-

Ratios (Annual)

Figures in %.

Metric Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 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

Insiders
15.69%
Institutions
78.94%
Public Float
93.63%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 12.40% 5.44M $141.79M
2 Capital World Investors 8.75% 3.84M $100.08M
3 AFLAC Inc. 8.29% 3.64M $94.76M
4 Vanguard Portfolio Management LLC 4.11% 1.80M $46.95M
5 Polar Capital Holdings PLC 3.99% 1.75M $45.60M
6 Vanguard Capital Management LLC 3.39% 1.49M $38.73M
7 State Street Corporation 3.11% 1.37M $35.59M
8 FMR, LLC 2.37% 1.04M $27.12M
9 Morgan Stanley 2.05% 901.22K $23.49M
10 Geode Capital Management, LLC 2.00% 875.84K $22.82M

Analyst View

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Latest News

Recent headlines for TRUP

Google News Sat, 17 Oct 2026

Trupanion, Inc. (TRUP) Stock Forecasts - Yahoo Finance

<a href="https://news.google.com/rss/articles/CBMikAFBVV95cUxPNEFpRG5LNlF3WTNCeUwyNjVCRHg1UkpXN1dqU2N1STVfd2JWQnFNRDktcHI5UWNBbFUyNUpLMG94QzRLV0JITmVjWWJrWlRwRUZWUkkwUm1CenF3Y0Q3dkprVnR5TDBzRlZ3OHF3WDRxeG9fRVBsU1AyS1dSRVlZRVdxY1RjYW5BWE1teH…

Google News Wed, 14 Oct 2026

A 14-year-old cat who battled cancer will be one of Trupanion’s 2027 faces - Stock Titan

<a href="https://news.google.com/rss/articles/CBMirwFBVV95cUxQaDRxOERLVGpZMko1d1laMkc2SF92ZjMyM1M3UlgxbHhMd3R5S1pGbzhocWRraFJCV0NqbzRqaXByN1dLM2hReWw1NnlzN1lld2w1UkhuZlRMNzNiSWI3aVZsUWRpaUZCc1ZNdFY5SW5GNktJdWR1QzhFdXBnRjBvN2t3SjkzR3BrU1RMT0…

Google News Wed, 23 Sep 2026

Trump made over 1,000 July stock trades worth up to $270m, filings reveal | Donald Trump - The Guardian

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Google News ue, 29 Sep 2026

Trupanion, Inc. (NASDAQ:TRUP) Stock Now Rated "Hold" by Sell-Side Analysts - MarketBeat

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Google News hu, 28 May 2026

Trump stock trades fuel accusations of corruption and profiting off presidency - PBS

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Google News ue, 01 Sep 2026

Trupanion COO John Gallagher sells $107,038 in TRUP stock - Investing.com

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TRUP — Frequently Asked Questions

What is the current share price of Trupanion, Inc. (TRUP)?

As of 2026-10-23 16:27 PDT, Trupanion, Inc. (TRUP) trades at $29.32 on NasdaqGM. Its 52-week range is $21.46 to $50.46.

What is the market capitalisation of TRUP?

Trupanion, Inc. (TRUP) has a market capitalisation of $1.29B on NasdaqGM.

What is the P/E ratio of TRUP?

TRUP trades at a trailing price-to-earnings (P/E) ratio of 55.32. The industry average P/E is 13.55. Its price-to-book (P/B) ratio is 2.68.

What is the return on equity (ROE) of TRUP?

TRUP has a return on equity (ROE) of 6.07%. 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.

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