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Trupanion (TPW) Stock Price & Analysis

TPW Stock Chart & Stats

€26.80-€0.20(-0.74%)
At close: 5:30 PM GMT+1
€20€22.5€256 Aug13 Aug26 Aug18 Sep25 Sep28 Oct
Day’s Range
EUR 26.60 - EUR 27.20
52-Week Range
EUR 18.20 - EUR 39.15
Previous Close
EUR 27.00
Volume
0
Average Volume (3M)
11
Market Cap
EUR 1.18B
Enterprise Value
EUR 1.19B
Total Cash (Recent Filing)
EUR 398.49M
Total Debt (Recent Filing)
EUR 106.91M
Price to Earnings (P/E)
56.8
Beta
0.60
Next Earnings
Nov 05, 2026 (Est.)
EPS Estimate
0.15
Next Dividend Ex-Date
N/A
Dividend Yield
N/A

Bulls Say, Bears Say

Bulls Say

Recurring Subscription Growth

Subscription premiums provide recurring revenue, and continued growth in both revenue and enrolled pets indicates expanding customer adoption. This recurring base can support durable operating leverage as Trupanion scales policy administration and claims infrastructure.

Improving Operating Economics

Higher subscription margins and faster operating-income growth show that recent revenue expansion is translating into better profitability. Sustained improvement in unit economics would strengthen internal funding capacity and make growth less dependent on expense restraint alone.

Strong Cash Generation And Liquidity

Robust operating and free cash flow gives Trupanion resources to fund customer acquisition, product development, and insurance needs while retaining strategic flexibility. The cash position, alongside reduced debt, also supports capital returns without relying solely on external financing.

Bears Say

Thin Profitability And Margin Pressure

Although earnings have recovered, profitability remains narrow and the lower gross margin signals pressure on underlying economics. Small increases in claims or operating costs could therefore materially affect earnings, limiting the durability of the current recovery until margins rebuild.

Veterinary Inflation Pressures Member Economics

Persistent veterinary-cost inflation raises the claims burden and can require larger premium increases, potentially weakening customer value perception. Over time, this creates a balancing challenge between maintaining retention and pricing policies enough to preserve underwriting economics.

Rising Customer Acquisition Costs

Higher acquisition spending reduces the near-term contribution from each new policy and increases the amount of capital required to sustain enrollment growth. Unless lifetime-value gains continue to outpace acquisition costs, customer expansion could generate weaker returns and slower margin progress.

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 €1.18B.
When is Trupanion’s upcoming earnings report date?
Trupanion’s next earnings report is estimated for Nov 05, 2026 (not yet confirmed), which is in 3 days.
How were Trupanion’s earnings last quarter?
Trupanion released its earnings results on Aug 05, 2026. The company reported €0.143 earnings per share for the quarter, beating the consensus estimate of €0.101 by €0.042.
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 0.15.
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 €0.143 in its last earnings report, beating expectations of €0.101. Following the earnings report the stock price went up 3.81%.
Which hedge fund is a major shareholder of Trupanion?
Hedge funds hold Trupanion shares: the largest hedge-fund position in Trupanion is 361,464,970 shares, and hedge funds decreased their holdings by 30.9K 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