Trupanion, Inc.
TRUP
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Bull / bear case
Site-generated summary from fundamentals, news, and score — not investment advice. As of 2026-10-08.
- Trupanion operates in a growing pet insurance market, which is expected to expand as more pet owners seek coverage for their animals.
- Revenue increased by 2% compared to the prior quarter, reaching $393 million.
- Gross margin improved to 16.6%, up from 16% in the previous quarter.
- The company's earnings growth has been declining, with a decrease of 28.9% year-over-year.
- Trupanion reported a net income loss of $44.693 million in 2023, indicating financial challenges.
- The trailing P/E ratio is high at 46.57, suggesting the stock may be overvalued relative to its earnings.
Fundamentals
| Market cap | $1.13B | Enterprise value | $841.21M | Trailing P/E | 48.72 | Forward P/E | 6.06 |
| PEG | — | Price / book | 2.77 | Beta | 1.44 | Dividend yield | 0.00% |
| Revenue growth | 11.1% | Earnings growth | -28.9% | Gross margin | 22.6% | Operating margin | 1.6% |
| Profit margin | 1.5% | ROE | 6.1% | ROA | 1.8% | Debt / equity | 0.26 |
| Current ratio | 1.77 | Free cash flow | $11.55M | Analyst recommendation | buy | Mean target | $34.25 |
| 52w high | $46.98 | 52w low | $21.16 |
Quarterly
| 2026-Q2 | 2026-Q1 | 2025-Q4 | 2025-Q3 | 2025-Q2 | |
|---|---|---|---|---|---|
| Revenue | $393M | $384M | $377M | $367M | $354M |
| Op margin | 7.4% | 7.1% | 8.3% | 7.6% | 6.3% |
| Net income | $6.8M | $4.9M | $5.6M | $5.9M | $9.4M |
| Gross margin | 16.6% | 16.0% | 17.3% | 16.4% | 15.5% |
| Gross profit | $65.1M | $61.5M | $65.0M | $60.1M | $54.8M |
| Operating income | $29.2M | $27.4M | $31.4M | $27.8M | $22.2M |
- Revenue +2% vs prior quarter ($393M vs $384M).
- Gross margin 16.6% (was 16% prior quarter).
Yearly (6y)
| 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|
| Revenue | $1.4B | $1.3B | $1.1B | $905M | — |
| Op margin | 7.0% | 5.2% | 3.3% | 5.2% | — |
| Net income | $19.4M | -$9.6M | -$44.7M | -$44.7M | — |
| Gross margin | 16.1% | 13.9% | 11.8% | 13.5% | — |
| Gross profit | $231M | $179M | $131M | $122M | — |
| Operating income | $101M | $67.3M | $36.9M | $46.8M | — |
No flags
• No distress or material-risk keywords in recent headlines (keyword scan only — not a guarantee).
News
2026-10-08 · A Partnership for Pets: Simon Cowell and Trupanion Team Up
2026-10-01 · TRUP Lags Industry, Trades at a Premium: What Should Investors Know?
2026-09-22 · Primerica, Progressive, Allstate, and Trupanion Shares Are Falling, What You Need To Know
2026-09-21 · 3 Reasons TRUP is Risky and 1 Stock to Buy Instead
2026-09-14 · Property & Casualty Insurance Stocks Q2 Results: Benchmarking Trupanion (NASDAQ:TRUP)
2026-09-10 · Trupanion Searches for this Year’s “It Pets” With Return of Annual truFame Contest
2026-09-04 · Trupanion (TRUP) Rebounds On Subscriber Narrative, Is The Valuation Gap Real?
2026-09-04 · 3 Small-Cap Stocks That Concern Us
2026-09-03 · 3 Cash-Producing Stocks That Fall Short
2026-08-27 · 3 Stocks Under $50 We Steer Clear Of
2026-08-26 · Why Trupanion (TRUP) Shares Are Sliding Today
2026-08-26 · Trupanion Shares Drop After Downgrade From Piper Sandler
Price (daily)
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