TPW Stock Chart & Stats
Currently, no data available
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Bulls Say, Bears Say
Bulls Say
Recurring Revenue GrowthSubscription-based premiums provide recurring revenue, while Q2 subscription growth of 14% indicates continued customer and policy expansion. Management’s 2026 guidance for roughly 14% subscription growth supports the durability of the growth trajectory over the next several quarters.
Improving Unit EconomicsHigher subscription operating income, expanded margin, and a 25% increase in enrolled-pet lifetime value point to improving economics beyond simple enrollment growth. These gains can support reinvestment, strengthen customer acquisition returns, and improve earnings scalability.
Strong Cash GenerationRobust operating and free cash flow gives Trupanion internal funding for growth, technology, and claims administration while reducing reliance on external capital. Combined with moderate leverage, this improves financial flexibility and supports shareholder returns during the forecast period.
Bears Say
Thin ProfitabilityAlthough profitability has returned, margins remain thin and the lower trailing gross margin suggests that cost or claims pressure is still affecting earnings conversion. Limited margin cushion leaves less protection if pricing, expenses, or veterinary costs remain unfavorable.
Veterinary Inflation PressurePersistent double-digit veterinary inflation raises the cost of covered care and forces higher pricing through the existing book. This can pressure member value, retention, and claims economics, requiring continued underwriting and pricing execution to preserve sustainable margins.
Rising Customer Acquisition CostHigher acquisition costs reduce the near-term return on each new subscription pet and require stronger retention or lifetime value to maintain attractive economics. Continued CAC inflation could limit growth efficiency and place additional pressure on operating income as expansion continues.
Trupanion News
TPW FAQ
What was Trupanion’s price range in the past 12 months?
Currently, no data Available
What is Trupanion’s market cap?
Trupanion’s market cap is CHF904.65M.
When is Trupanion’s upcoming earnings report date?
Trupanion’s upcoming earnings report date is Nov 04, 2026 which is in 44 days.
How were Trupanion’s earnings last quarter?
Trupanion released its earnings results on Aug 05, 2026. The company reported CHF0.129 earnings per share for the quarter, beating the consensus estimate of CHF0.091 by CHF0.038.
Is Trupanion overvalued?
According to Wall Street analysts Trupanion’s price is currently Undervalued.
Does Trupanion pay dividends?
Trupanion does not currently pay dividends.
What is Trupanion’s EPS estimate?
Trupanion’s EPS estimate is 0.13.
How many shares outstanding does Trupanion have?
Currently, no data Available
What happened to Trupanion’s price movement after its last earnings report?
Trupanion reported an EPS of CHF0.129 in its last earnings report, beating expectations of CHF0.091. Following the earnings report the stock price went same N/A.
Which hedge fund is a major shareholder of Trupanion?
Currently, no hedge funds are holding shares in CH:TPW
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Trupanion Stock Smart Score
Underperform
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
CHF26.05 (― Upside)
CHF26.05 (― Upside)
Blogger Sentiment
Neutral
CH:TPW Sentiment 67%
Sector Average 59%
Sector Average 59%
Insider Transactions
Sold Shares
Worth CHF150.1K over
the Last 3 Months
the Last 3 Months
Technicals
SMA
Negative
20 days / 200 days
Momentum
-44.05%
12-Months-Change
Fundamentals
Return on Equity
―
Trailing 12-Months
Asset Growth
9.79%
Trailing 12-Months
Learn more about TipRanks Smart Score
Company Description
Trupanion
Trupanion, Inc. provides monthly subscription-based medical insurance for canine and feline companions across the United States, Canada, Puerto Rico, and Australia. The company's operations are divided into two main categories: Subscription Business and Other Business, serving both pet owners and veterinary professionals. Founded in 2000, the Seattle, Washington-headquartered firm was previously known as Vetinsurance International, Inc., before adopting the Trupanion, Inc. name in 2013.
TPW Company Deck
TPW Earnings Call
Q2 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call highlighted strong top-line and operating income growth, improved unit economics (25% LTV increase), accelerating net pet adds and healthy free cash flow, alongside disciplined capital allocation actions including a $100M share repurchase program and dividends unlocked from insurance entities. Offsetting risks include persistent double-digit veterinary inflation that pressures member economics, a modest decline in the value-proposition metric, rising pet acquisition cost, a year-over-year decline in net income due in part to prior-year one-time items, and a planned partner termination with Pets Best. Overall, operational momentum and cash generation appear to outweigh the manageable industry and partner challenges.View all CH:TPW earnings summariesTPW Stock 12 Month Forecast
Average Price Target
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