TPW Stock Chart & Stats
€24.60
€0.40(1.83%)
At close: 4:00 PM EDT
€24.60
€0.40(1.83%)
Day’s Range― - ―
52-Week Range€18.20 - €39.15
Previous CloseN/A
Volume0.00
Average Volume (3M)31.00
Market Cap
€978.95M
Enterprise Value€1.19K
Total Cash (Recent Filing)€398.49M
Total Debt (Recent Filing)€106.91M
Price to Earnings (P/E)47.3
Beta0.71
Next Earnings
Nov 04, 2026EPS Estimate
0.14Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.53
Shares Outstanding43,872,612
10 Day Avg. Volume0
30 Day Avg. Volume31
Financial Highlights & Ratios
PEG Ratio-0.28
Price to Book (P/B)4.18
Price to Sales (P/S)1.12
P/FCF Ratio21.30
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
€27.58Price Target Upside12.11% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering5
EPS Forecast (FY)0.52
Revenue Forecast (FY)€1.36B
Bulls Say, Bears Say
Bulls Say
Recurring Subscription GrowthSubscription revenue and enrolled pets are expanding, strengthening Trupanion’s recurring premium base and supporting better operating leverage. A larger retained membership pool can improve claims-data advantages, spread administration costs, and provide a durable foundation for continued revenue growth.
Improving Operating EconomicsHigher subscription adjusted operating income and margin indicate that growth is translating into improved economics rather than only adding volume. Continued margin discipline gives Trupanion more capacity to fund customer acquisition, product development, and other investments while building earnings power.
Strong Cash Generation And LiquidityRobust operating and free cash flow provide internal funding for expansion and reduce reliance on external capital. Combined with substantial cash and short-term investments, this supports resilience, allows continued investment in distribution and products, and increases financial flexibility.
Bears Say
Profitability Remains ThinThe return to profitability is encouraging, but very thin net and operating margins leave limited protection if claims or operating costs rise. The lower trailing gross margin also suggests that improved earnings are not yet fully established, making sustained margin recovery an important execution requirement.
Veterinary Inflation Pressures EconomicsPersistent veterinary inflation raises the cost of covered care and forces pricing actions that can weaken affordability and perceived value. If elevated costs continue, Trupanion may face pressure on member economics, retention, utilization patterns, and the pace at which premium increases can be absorbed.
Rising Customer Acquisition CostHigher acquisition spending increases the investment required to add each subscription pet and can delay payback even as lifetime value improves. If acquisition costs continue rising faster than enrollment economics, customer growth could generate less incremental profitability and constrain marketing efficiency.
Trupanion News
TPW FAQ
What was Trupanion’s price range in the past 12 months?
Trupanion lowest stock price was €18.20 and its highest was €39.15 in the past 12 months.
What is Trupanion’s market cap?
Trupanion’s market cap is €978.95M.
When is Trupanion’s upcoming earnings report date?
Trupanion’s upcoming earnings report date is Nov 04, 2026 which is in 46 days.
How were Trupanion’s earnings last quarter?
Trupanion released its earnings results on Aug 05, 2026. The company reported €0.138 earnings per share for the quarter, beating the consensus estimate of €0.097 by €0.04.
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 0.14.
How many shares outstanding does Trupanion have?
Trupanion has 43,872,612 shares outstanding.
What happened to Trupanion’s price movement after its last earnings report?
Trupanion reported an EPS of €0.138 in its last earnings report, beating expectations of €0.097. Following the earnings report the stock price went up 3.81%.
Which hedge fund is a major shareholder of Trupanion?
Currently, no hedge funds are holding shares in DE: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:
€27.58 (12.11% Upside)
€27.58 (12.11% Upside)
Blogger Sentiment
Neutral
DE:TPW Sentiment 67%
Sector Average 58%
Sector Average 58%
Insider Transactions
Sold Shares
Worth €158.9K 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 DE:TPW earnings summariesTPW Stock 12 Month Forecast
Average Price Target
€27.58
▲(12.11% Upside)
Technical Analysis
Amerisafe
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Employers Holdings
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Investors Title Company
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Tiptree Financial
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Hippo Holdings
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