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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)427.80K
Market Cap
$1.26B
Enterprise Value$1.19B
Total Cash (Recent Filing)$398.49M
Total Debt (Recent Filing)$106.91M
Price to Earnings (P/E)53.8
Beta1.05
Next Earnings
Nov 05, 2026EPS Estimate
0.16Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.53
Shares Outstanding43,872,612
10 Day Avg. Volume384,933
30 Day Avg. Volume427,799
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 Cap0.94
Enterprise Value/Revenue0.78
Enterprise Value/Gross Profit3.49
Enterprise Value/Ebitda22.82
Forecast
1Y Price Target
$33.25Price Target Upside10.14% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering5
EPS Forecast (FY)0.63
Revenue Forecast (FY)$1.59B
Bulls Say, Bears Say
Bulls Say
Recurring Subscription GrowthSubscription 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 EconomicsHigher 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 LiquidityRobust 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 PressureAlthough 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 EconomicsPersistent 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 CostsHigher 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
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 $1.26B.
When is Trupanion’s upcoming earnings report date?
Trupanion’s upcoming earnings report date is Nov 05, 2026 which is in 13 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:
$33.25 (10.14% Upside)
$33.25 (10.14% Upside)
Blogger Sentiment
Neutral
TRUP Sentiment 67%
Sector Average 61%
Sector Average 61%
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
Negative
20 days / 200 days
Momentum
-35.25%
12-Months-Change
Fundamentals
Return on Equity
5.96%
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
$33.25
▲(10.14% Upside)
Technical Analysis
Ownership Overview
2.05% Insiders
22.77% Mutual Funds
1.84% Other Institutional Investors
51.60% Public Companies and
Individual Investors