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TRUP Stock Chart & Stats
$30.19
$0.88(3.67%)
At close: 4:00 PM EDT
$30.19
$0.88(3.67%)
Day’s Range― - ―
52-Week Range$21.16 - $46.98
Previous Close$24.87
Volume337.64K
Average Volume (3M)536.67K
Market Cap
$1.09B
Enterprise Value$1.19K
Total Cash (Recent Filing)$398.49M
Total Debt (Recent Filing)$106.91M
Price to Earnings (P/E)47.2
Beta1.13
Next Earnings
Nov 04, 2026EPS Estimate
0.16Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.53
Shares Outstanding43,872,612
10 Day Avg. Volume417,858
30 Day Avg. Volume536,669
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$31.67Price Target Upside4.89% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering5
EPS Forecast (FY)0.61
Revenue Forecast (FY)$1.59B
Bulls Say, Bears Say
Bulls Say
Recurring Revenue And Enrollment GrowthGrowth in subscription revenue and enrolled pets supports a recurring-premium model with increasing scale. Continued customer additions can expand the revenue base, improve operating leverage, and strengthen Trupanion’s position in the growing pet-health-insurance market over the next several quarters.
Improving Unit Economics And Operating MarginsThe sharp increase in lifetime value, alongside higher subscription margins, indicates that policy economics are improving rather than relying only on enrollment growth. Better retention or monetization of each enrolled pet can support more durable profitability and make customer acquisition spending more productive.
Strong Cash Generation And Financial FlexibilityRobust operating and free cash flow gives Trupanion internal funding for technology, distribution, and policy growth while reducing dependence on external capital. Moderate leverage further preserves flexibility, allowing the company to manage insurance obligations and pursue capital allocation without excessive balance-sheet strain.
Bears Say
Thin And Pressured ProfitabilityAlthough Trupanion has returned to profitability, its earnings cushion remains narrow and the lower gross margin signals pressure on underlying economics. Small increases in claims, operating costs, or pricing friction could therefore materially affect profits, limiting the durability of the current earnings recovery.
Veterinary Inflation Pressures Member EconomicsPersistent veterinary-cost inflation raises the claims burden and forces higher pricing flows through the policy book, which can weaken affordability and perceived value. If costs continue outpacing customer tolerance, retention, demand, and the long-term economics of the enrolled base could face pressure.
Rising Pet Acquisition CostsHigher acquisition spending reduces the near-term payoff from each new policy and makes growth more dependent on efficient marketing and partner conversion. If acquisition costs remain elevated while lifetime-value gains moderate, incremental enrollment could contribute less profit and slow operating leverage.
Trupanion News
TRUP FAQ
What was Trupanion’s price range in the past 12 months?
Trupanion lowest stock price was $21.16 and its highest was $46.98 in the past 12 months.
What is Trupanion’s market cap?
Trupanion’s market cap is $1.09B.
When is Trupanion’s upcoming earnings report date?
Trupanion’s upcoming earnings report date is Nov 04, 2026 which is in 53 days.
How were Trupanion’s earnings last quarter?
Trupanion released its earnings results on Aug 05, 2026. The company reported $0.16 earnings per share for the quarter, beating the consensus estimate of $0.113 by $0.047.
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 0.16.
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 $0.16 in its last earnings report, beating expectations of $0.113. Following the earnings report the stock price went up 15.457%.
Which hedge fund is a major shareholder of Trupanion?
Currently, no hedge funds are holding shares in TRUP
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
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3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
$31.67 (4.89% Upside)
$31.67 (4.89% Upside)
Blogger Sentiment
Neutral
TRUP Sentiment 67%
Sector Average 58%
Sector Average 58%
Hedge Fund Trend
Decreased
By 30.9K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $183.4K over
the Last 3 Months
the Last 3 Months
Technicals
SMA
Positive
20 days / 200 days
Momentum
-42.07%
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.
TRUP Company Deck
TRUP 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 TRUP earnings summariesTRUP Stock 12 Month Forecast
Average Price Target
$31.67
▲(4.89% 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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Ownership Overview
2.05% Insiders
22.77% Mutual Funds
28.56% Other Institutional Investors
26.12% Public Companies and
Individual Investors