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Trupanion (TRUP) Stock Price & Analysis

606 Followers

TRUP Stock Chart & Stats

$34.48$0.18(0.52%)
At close: 4:00 PM EST
$25$30$35Aug 17Aug 31Sep 14Sep 28Oct 12Oct 26Nov 9
Day’s Range
$34.12 - $34.97
52-Week Range
$21.16 - $38.98
Previous Close
$34.30
Volume
N/A
Average Volume (3M)
426.38K
Market Cap
$1.49B
Enterprise Value
$1.13B
Total Cash (Recent Filing)
$396.84M
Total Debt (Recent Filing)
$104.47M
Price to Earnings (P/E)
56.0
Beta
1.00
Next Earnings
Feb 17, 2027 (Est.)
EPS Estimate
0.22
Next Dividend Ex-Date
N/A
Dividend Yield
N/A

Bulls Say, Bears Say

Bulls Say

Recurring Growth And Retention

Recurring premium growth, rising enrolled pets, and seven straight quarters of retention improvement support a durable revenue base. Better retention can lift customer lifetime economics and reduce the acquisition burden as the insured population expands.

Automation And Technology

Automation and AI-enabled claims processing can lower service friction and improve scalability as membership grows. Faster approvals, direct veterinarian payments, and enrollment improvements may reinforce customer experience and help differentiate Trupanion’s model.

Strong Cash Generation

Positive free cash flow for ten consecutive quarters, including $28.5 million in Q3, indicates the turnaround is converting earnings into cash. This internally generated funding can support technology, product development, and operations without relying as heavily on external capital.

Bears Say

Veterinary Cost Inflation

Persistent double-digit veterinary inflation can raise claim costs faster than pricing or retention can absorb, pressuring the value proposition and underwriting margin. Management expects the issue through 2027, making it a continuing earnings sensitivity rather than a brief event.

Thin And Volatile Margins

Despite the profitability inflection, TTM net margin is about 1.7% and EBITDA margin about 3.5%, while gross margin has ranged roughly 12%–29%. This thin, volatile cushion leaves earnings vulnerable to claims, pricing, and cost-control swings.

Pets Best Runoff

Ending the Pets Best relationship and moving its book to a new underwriting partner initiates a planned runoff after Q3 2028. The transition may reduce this business’s contribution and requires execution while Trupanion prioritizes its core subscription operation.

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 $38.98 in the past 12 months.
What is Trupanion’s market cap?
Trupanion’s market cap is $1.49B.
When is Trupanion’s upcoming earnings report date?
Trupanion’s next earnings report is estimated for Feb 17, 2027 (not yet confirmed), which is in 95 days.
How were Trupanion’s earnings last quarter?
Trupanion released its earnings results on Nov 05, 2026. The company reported $0.21 earnings per share for the quarter, beating the consensus estimate of $0.17 by $0.04.
Is Trupanion overvalued?
According to Wall Street analysts Trupanion’s price is currently Overvalued.
Does Trupanion pay dividends?
Trupanion does not currently pay dividends.
What is Trupanion’s EPS estimate?
Trupanion’s EPS estimate is 0.22.
How many shares outstanding does Trupanion have?
Trupanion has 43,265,930 shares outstanding.
What happened to Trupanion’s price movement after its last earnings report?
Trupanion reported an EPS of $0.21 in its last earnings report, beating expectations of $0.17. Following the earnings report the stock price went up 5.847%.
Which hedge fund is a major shareholder of Trupanion?
Hedge funds hold Trupanion shares: the largest hedge-fund position in Trupanion is 71,888,301 shares, and hedge funds decreased their holdings by 33.0K shares last quarter.
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