TRUP Stock Chart & Stats
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Bulls Say, Bears Say
Bulls Say
Recurring Subscription GrowthRecurring premium revenue and a growing insured pet base support durable revenue visibility. Continued subscription expansion can improve scale economics, strengthen customer relationships and provide a foundation for sustained operating growth.
Improving Operating EconomicsHigher adjusted operating income alongside margin expansion indicates that Trupanion is converting growth into better profitability. Declining fixed and variable expense ratios also suggest operating leverage can support more sustainable earnings as scale increases.
Strong Cash Generation And LiquidityRobust cash generation gives Trupanion flexibility to fund growth, absorb claims volatility and reduce financial risk. Its sizable liquidity, declining debt and ability to unlock insurance-entity capital also support resilience and disciplined capital allocation.
Bears Say
Thin And Pressured ProfitabilityDespite returning to profitability, margins remain narrow and the gross-margin decline signals pressure on underwriting or operating economics. Limited earnings cushion leaves results more exposed to claims inflation, pricing errors and adverse changes in the cost base.
Veterinary Inflation Pressures Member EconomicsPersistently rising veterinary costs can increase claim severity and force higher pricing, potentially weakening affordability and retention. The lower value-proposition metric suggests members may perceive less economic benefit, creating a lasting challenge for policy growth and underwriting margins.
Rising Customer Acquisition CostsHigher acquisition spending raises the upfront investment required to expand the insured base and can delay payback. Unless lifetime-value gains continue to outpace acquisition costs, growth may consume more capital and constrain the durability of operating-margin improvement.
Trupanion News
TRUP FAQ
What was Trupanion’s price range in the past 12 months?
Currently, no data Available
What is Trupanion’s market cap?
Trupanion’s market cap is $20.63B.
When is Trupanion’s upcoming earnings report date?
Trupanion’s upcoming earnings report date is Nov 04, 2026 which is in 56 days.
How were Trupanion’s earnings last quarter?
Trupanion released its earnings results on Aug 05, 2026. The company reported $2.713 earnings per share for the quarter, beating the consensus estimate of $1.916 by $0.797.
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 2.68.
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 $2.713 in its last earnings report, beating expectations of $1.916. Following the earnings report the stock price went same N/A.
Which hedge fund is a major shareholder of Trupanion?
Currently, no hedge funds are holding shares in MX: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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5
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7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
$535.15 (― Upside)
$535.15 (― Upside)
Blogger Sentiment
Neutral
MX:TRUP Sentiment 67%
Sector Average 58%
Sector Average 58%
Insider Transactions
Sold Shares
Worth $5.6M over
the Last 3 Months
the Last 3 Months
Technicals
SMA
Positive
20 days / 200 days
Momentum
-39.78%
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 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 MX:TRUP earnings summaries