Trupanion Inc. (CH:TPW)
NASDAQ:TPW
TPW Stock Chart & Stats
Currently, no data available
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Bulls Say, Bears Say
Bulls Say
Free Cash Flow StrengthConsistent positive free cash flow (~$75M TTM) provides a durable internal funding source for marketing, product investment, and reserve coverage. Over the next 2–6 months this reduces reliance on external capital, supports disciplined reinvestment of AOI into pet acquisition, and improves balance-sheet resilience against volatility.
Per-Pet Economics & LTVRising ARPU and a 29% increase in lifetime value strengthen unit economics, enabling the company to sustainably fund customer acquisition and grow scale profitably. Higher per-pet revenue and LTV improve payback profiles and support long-term margin expansion if retention and loss ratios remain stable.
Margin Expansion & Underwriting ImprovementImproving subscription margins and a lower loss ratio demonstrate better underwriting discipline and operating leverage. Durable margin gains increase capacity to reinvest AOI into scalable growth initiatives while providing a buffer against claim inflation and reserve variability over the medium term.
Bears Say
Rising Customer Acquisition CostMaterial CAC increases reduce marketing efficiency and require higher LTV or lower churn to sustain growth. If elevated CAC persists, the company must either compress reinvestment, accept slower pet-add growth, or rely on continued ARPU/LTV improvement to protect margins, challenging growth economics over coming quarters.
Industry Headwinds (Vet Visits & Adoption)Lower vet visits and softer pet adoption directly reduce in-practice conversion and new gross adds—a structural driver of Trupanion’s distribution. Persisting headwinds can depress organic enrollment growth and increase acquisition costs, pressuring subscription momentum and long-term revenue expansion.
Thin Profitability & Reserve SensitivityNet margin remains slim (~1.7% TTM), leaving results sensitive to claims volatility, reserve revisions, or adverse development. Small underwriting or reserve shocks can erode profits quickly, limiting free cash flow upside and making multi-quarter earnings stability contingent on continued loss-ratio and expense discipline.
Trupanion News
TPW FAQ
What was Trupanion Inc.’s price range in the past 12 months?
Currently, no data Available
What is Trupanion Inc.’s market cap?
Trupanion Inc.’s market cap is CHF738.85M.
When is Trupanion Inc.’s upcoming earnings report date?
Trupanion Inc.’s upcoming earnings report date is Jul 30, 2026 which is in 55 days.
How were Trupanion Inc.’s earnings last quarter?
Trupanion Inc. released its earnings results on Apr 30, 2026. The company reported $0.086 earnings per share for the quarter, beating the consensus estimate of $0.062 by $0.023.
Is Trupanion Inc. overvalued?
According to Wall Street analysts Trupanion Inc.’s price is currently Undervalued.
Does Trupanion Inc. pay dividends?
Trupanion Inc. does not currently pay dividends.
What is Trupanion Inc.’s EPS estimate?
Trupanion Inc.’s EPS estimate is 0.09.
How many shares outstanding does Trupanion Inc. have?
Currently, no data Available
What happened to Trupanion Inc.’s price movement after its last earnings report?
Trupanion Inc. reported an EPS of $0.086 in its last earnings report, beating expectations of $0.062. Following the earnings report the stock price went same N/A.
Which hedge fund is a major shareholder of Trupanion Inc.?
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
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Analyst Consensus
Moderate Buy
Average Price Target:
CHF31.37 (― Downside)
CHF31.37 (― Downside)
Insider Transactions
Sold Shares
Worth CHF172.5K over
the Last 3 Months
the Last 3 Months
Technicals
SMA
Negative
20 days / 200 days
Momentum
-56.54%
12-Months-Change
Fundamentals
Return on Equity
6.87%
Trailing 12-Months
Asset Growth
10.08%
Trailing 12-Months
Company Description
Trupanion Inc.
Trupanion, Inc., together with its subsidiaries, provides medical insurance for cats and dogs on a monthly subscription basis in the United States, Canada, Puerto Rico, and Australia. The company operates in two segments, Subscription Business and Other Business. It serves pet owners and veterinarians. The company was formerly known as Vetinsurance International, Inc. changed its name to Trupanion, Inc. in 2013. The company was founded in 2000 and is headquartered in Seattle, Washington.
TPW Earnings Call
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call conveyed strong financial and operational momentum led by record per-pet economics, meaningful AOI and margin expansion, disciplined reinvestment of earnings into growth initiatives, and a solid balance sheet. Management acknowledged some challenges — higher acquisition costs, deceleration in a partner-driven segment, industry headwinds in vet visits and adoption, and an adverse reserve development — but emphasized improved efficiency (automation), encouraging early results from product expansion, and reiterated full-year guidance. Overall the positives (AOI growth, revenue beat, margin expansion, LTV improvement, net income recovery, and healthy cash/debt position) materially outweigh the lowlights, with management presenting a plan to invest AOI into scalable growth and product innovation.View all CH:TPW earnings summariesTPW Stock 12 Month Forecast
Average Price Target
$31.37
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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Options Prices
Currently, No data available
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