TRUP
Trupanion, Inc.
Price Chart
Latest Quote
$26.70
+0.35 (+1.33%)
Current Price
| Previous Close | $26.35 |
| Open | $26.26 |
| Day High | $27.00 |
| Day Low | $26.26 |
| Volume | 356,439 |
Stock Information
| Shares Outstanding | 43.62M |
| Total Debt | $109.35M |
| Cash Equivalents | $383.66M |
| Revenue | $1.48B |
| Net Income | $25.80M |
| Sector | Financial Services |
| Industry | Insurance - Property & Casualty |
| Market Cap | $1.16B |
| P/E Ratio | 44.50 |
| EPS (TTM) | $0.60 |
| Exchange | NGM |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $890.35M |
| Sales | $1.48B |
| Income | $25.80M |
| Book/sh | $9.05 |
| Cash/sh | $8.80 |
| Employees | 1K |
Financial Ratios
| Quick Ratio | 1.69 |
| Current Ratio | 1.73 |
| Debt/Eq | 27.70 |
Returns & Margins
| ROA | 1.51% |
| ROE | 7.08% |
| Gross Margin | 22.34% |
| Operating Margin | 1.24% |
| Profit Margin | 1.74% |
Ownership
| Insider Ownership | 15.75% |
| Institutional Ownership | 79.00% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 6.19 |
| P/S | 0.79 |
| P/B | 2.95 |
Analyst Data
| Recommendation | buy |
| Target Price | $37.25 |
Technical Indicators
| SMA20 | $25.53 |
| SMA50 | $23.89 |
| SMA200 | $31.02 |
| RSI | 57.46 |
| ATR | 1.1379 |
| Shares Float | 33.26M |
| Short Float | 10.41% |
| Short Ratio | 9.37 |
| Volatility | 1.39 |
| Rel Volume | 0.96 |
Performance History
| Week | +3.37% |
| Month | +9.25% |
| Quarter | -3.78% |
| 6 Months | -21.56% |
| YTD | -28.23% |
| Year | -46.88% |
| 3 Years | +4.09% |
| 5 Years | -76.37% |
| 10 Years | +75.54% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-07-17 | $26.70 | 356,400 |
| 2026-07-16 | $26.35 | 365,100 |
| 2026-07-15 | $25.47 | 281,500 |
| 2026-07-14 | $25.82 | 211,200 |
| 2026-07-13 | $27.37 | 401,900 |
| 2026-07-10 | $25.83 | 210,900 |
| 2026-07-09 | $25.84 | 311,200 |
| 2026-07-08 | $26.44 | 370,500 |
| 2026-07-07 | $27.05 | 334,100 |
| 2026-07-06 | $26.87 | 304,800 |
| 2026-07-02 | $26.91 | 370,200 |
| 2026-07-01 | $26.15 | 463,300 |
| 2026-06-30 | $24.77 | 411,500 |
| 2026-06-29 | $25.46 | 504,400 |
| 2026-06-26 | $25.35 | 810,200 |
| 2026-06-25 | $23.97 | 288,400 |
| 2026-06-24 | $23.89 | 333,500 |
| 2026-06-23 | $23.57 | 278,500 |
| 2026-06-22 | $23.25 | 333,800 |
| 2026-06-18 | $23.54 | 500,500 |
About Trupanion, Inc.
Trupanion, Inc., together with its subsidiaries, provides medical insurance for cats and dogs on subscription basis in the United States, Canada, and Continental Europe. 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. and changed its name to Trupanion, Inc. in 2013. Trupanion, Inc. was founded in 2000 and is headquartered in Seattle, Washington.
đ° Latest News
Wall Street Analysts Think Trupanion (TRUP) Could Surge 46.25%: Read This Before Placing a Bet
Zacks âĸ 2026-07-16T13:55:02Z
Is Trupanion (TRUP) Undervalued Or Has Its Recent Rebound Already Priced In?
Simply Wall St. âĸ 2026-07-14T22:15:12Z
2 Cash-Heavy Stocks with Competitive Advantages and 1 We Brush Off
StockStory âĸ 2026-07-13T15:34:39Z
Why Trupanion (TRUP) Stock Is Down Today
StockStory âĸ 2026-07-09T19:19:42Z
1 Cash-Producing Stock for Long-Term Investors and 2 We Question
StockStory âĸ 2026-07-09T10:29:00Z
Can Central Garden's Pet Innovation Fuel Next Growth Phase?
Zacks âĸ 2026-07-06T15:56:00Z
Pet Industry Bitten by Inflation May Make Attractive Takeover Targets
MT Newswires âĸ 2026-07-02T14:05:41Z
Trupanion (TRUP): Buy, Sell, or Hold Post Q1 Earnings?
StockStory âĸ 2026-06-30T14:43:01Z
Trupanion (TRUP) Moves 5.8% Higher: Will This Strength Last?
Zacks âĸ 2026-06-29T12:57:00Z
1 Russell 2000 Stock for Long-Term Investors and 2 We Avoid
StockStory âĸ 2026-06-26T07:04:25Z
Period:
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Reconciled Cost Of Revenue | $1,208,294,000 | $1,106,886,000 | $977,589,000 | $782,994,000 |
| Cost Of Revenue | $1,208,294,000 | $1,106,886,000 | $977,589,000 | $782,994,000 |
| Total Revenue | $1,439,305,000 | $1,285,684,000 | $1,108,605,000 | $905,179,000 |
| Operating Revenue | $989,338,000 | $856,521,000 | $712,906,000 | $596,610,000 |
| Expenses | ||||
| Interest Expense | $13,759,000 | $14,498,000 | $12,077,000 | $4,267,000 |
| Total Expenses | $1,338,626,000 | $1,218,338,000 | $1,071,673,000 | $858,427,000 |
| Other Income Expense | $-77,226,000 | $-74,886,000 | $-78,890,000 | $-89,681,000 |
| Other Non Operating Income Expenses | $9,616,000 | $1,974,000 | $-1,299,000 | $72,000 |
| Net Non Operating Interest Income Expense | $-1,459,000 | $-2,098,000 | $-3,077,000 | $-1,267,000 |
| Interest Expense Non Operating | $13,759,000 | $14,498,000 | $12,077,000 | $4,267,000 |
| Operating Expense | $130,332,000 | $111,452,000 | $94,084,000 | $75,433,000 |
| General And Administrative Expense | $76,648,000 | $63,731,000 | $60,207,000 | $39,379,000 |
| Other Operating Expenses | - | - | $77,372,000 | $89,500,000 |
| Selling And Marketing Expense | - | - | - | $89,500,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $19,433,000 | $-9,633,000 | $-44,693,000 | $-44,672,000 |
| Net Interest Income | $-1,459,000 | $-2,098,000 | $-3,077,000 | $-1,267,000 |
| Interest Income | $12,300,000 | $12,400,000 | $9,000,000 | $3,000,000 |
| Normalized Income | $95,931,708 | $67,045,000 | $32,060,024 | $26,033,000 |
| Net Income From Continuing And Discontinued Operation | $19,433,000 | $-9,633,000 | $-44,693,000 | $-44,672,000 |
| Total Operating Income As Reported | $13,837,000 | $-9,514,000 | $-40,659,000 | $-43,001,000 |
| Net Income Common Stockholders | $19,433,000 | $-9,633,000 | $-44,693,000 | $-44,672,000 |
| Net Income | $19,433,000 | $-9,633,000 | $-44,693,000 | $-44,672,000 |
| Net Income Including Noncontrolling Interests | $19,433,000 | $-9,633,000 | $-44,693,000 | $-44,672,000 |
| Net Income Continuous Operations | $19,433,000 | $-9,633,000 | $-44,693,000 | $-44,672,000 |
| Pretax Income | $21,994,000 | $-9,638,000 | $-45,035,000 | $-44,196,000 |
| Special Income Charges | $-86,537,000 | $-76,678,000 | $-77,372,000 | $-89,500,000 |
| Earnings From Equity Interest | $-305,000 | $-182,000 | $-219,000 | $-253,000 |
| Interest Income Non Operating | $12,300,000 | $12,400,000 | $9,000,000 | $3,000,000 |
| Operating Income | $100,679,000 | $67,346,000 | $36,932,000 | $46,752,000 |
| Depreciation Amortization Depletion Income Statement | $15,836,000 | $16,466,000 | $12,474,000 | $10,921,000 |
| Depreciation And Amortization In Income Statement | $15,836,000 | $16,466,000 | $12,474,000 | $10,921,000 |
| Gross Profit | $231,011,000 | $178,798,000 | $131,016,000 | $122,185,000 |
| Per Share | ||||
| Diluted EPS | $0.45 | $-0.23 | $-1.08 | $-1.10 |
| Basic EPS | $0.45 | $-0.23 | $-1.08 | $-1.10 |
| Other | ||||
| Tax Effect Of Unusual Items | $-10,038,292 | $0 | $-618,976 | $-18,795,000 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Normalized EBITDA (Bullshit earnings) | $138,126,000 | $98,004,000 | $56,888,000 | $60,492,000 |
| Total Unusual Items | $-86,537,000 | $-76,678,000 | $-77,372,000 | $-89,500,000 |
| Total Unusual Items Excluding Goodwill | $-86,537,000 | $-76,678,000 | $-77,372,000 | $-89,500,000 |
| Reconciled Depreciation | $15,836,000 | $16,466,000 | $12,474,000 | $10,921,000 |
| EBITDA (Bullshit earnings) | $51,589,000 | $21,326,000 | $-20,484,000 | $-29,008,000 |
| EBIT | $35,753,000 | $4,860,000 | $-32,958,000 | $-39,929,000 |
| Diluted Average Shares | $43,555,884 | $42,158,773 | $41,436,882 | $40,765,355 |
| Basic Average Shares | $42,958,654 | $42,158,773 | $41,436,882 | $40,765,355 |
| Diluted NI Availto Com Stockholders | $19,433,000 | $-9,633,000 | $-44,693,000 | $-44,672,000 |
| Tax Provision | $2,561,000 | $-5,000 | $-342,000 | $476,000 |
| Impairment Of Capital Assets | $1,129,000 | $5,299,000 | $0 | $0 |
| Restructuring And Mergern Acquisition | $85,408,000 | $71,379,000 | $77,372,000 | $89,500,000 |
| Research And Development | $37,848,000 | $31,255,000 | $21,403,000 | $25,133,000 |
| Selling General And Administration | $76,648,000 | $63,731,000 | $60,207,000 | $39,379,000 |
| Other Gand A | $76,648,000 | $63,731,000 | $60,207,000 | $39,379,000 |
Fetched: 2026-07-14
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $320,452,000 | $273,120,000 | $241,264,000 | $239,283,000 |
| Total Assets | $915,044,000 | $806,853,000 | $782,948,000 | $671,627,000 |
| Total Non Current Assets | $223,982,000 | $209,526,000 | $220,859,000 | $202,531,000 |
| Other Non Current Assets | $54,671,000 | $56,814,000 | $41,885,000 | $37,975,000 |
| Investmentin Financial Assets | $983,000 | $373,000 | $12,866,000 | $7,841,000 |
| Goodwill And Other Intangible Assets | $63,484,000 | $50,148,000 | $62,458,000 | $66,014,000 |
| Other Intangible Assets | $24,102,000 | $13,177,000 | $18,745,000 | $24,031,000 |
| Current Assets | $691,062,000 | $597,327,000 | $562,089,000 | $469,096,000 |
| Other Current Assets | $18,387,000 | $15,912,000 | $17,022,000 | $14,248,000 |
| Receivables | $301,945,000 | $274,031,000 | $267,899,000 | $232,439,000 |
| Accounts Receivable | $301,945,000 | $274,031,000 | $267,899,000 | $232,439,000 |
| Allowance For Doubtful Accounts Receivable | $-1,311,000 | $-1,117,000 | $-1,085,000 | $-540,000 |
| Gross Accounts Receivable | $303,256,000 | $275,148,000 | $268,984,000 | $232,979,000 |
| Cash Cash Equivalents And Short Term Investments | $370,730,000 | $307,384,000 | $277,168,000 | $222,409,000 |
| Cash And Cash Equivalents | $138,024,000 | $160,295,000 | $147,501,000 | $65,605,000 |
| Prepaid Assets | - | - | - | - |
| Debt | ||||
| Total Debt | $111,784,000 | $128,887,000 | $128,930,000 | $69,457,000 |
| Long Term Debt And Capital Lease Obligation | $101,784,000 | $127,537,000 | $127,580,000 | $68,354,000 |
| Long Term Debt | $101,784,000 | $127,537,000 | $127,580,000 | $68,354,000 |
| Current Debt And Capital Lease Obligation | $10,000,000 | $1,350,000 | $1,350,000 | $1,103,000 |
| Current Debt | $10,000,000 | $1,350,000 | $1,350,000 | $1,103,000 |
| Other Current Borrowings | $10,000,000 | $1,350,000 | $1,350,000 | - |
| Net Debt | - | - | - | $3,852,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $531,108,000 | $483,585,000 | $479,226,000 | $366,330,000 |
| Total Non Current Liabilities Net Minority Interest | $121,298,000 | $133,959,000 | $134,752,000 | $76,714,000 |
| Other Non Current Liabilities | $18,004,000 | $4,476,000 | $4,487,000 | $4,968,000 |
| Non Current Deferred Liabilities | $1,510,000 | $1,946,000 | $2,685,000 | $3,392,000 |
| Non Current Deferred Taxes Liabilities | $1,510,000 | $1,946,000 | $2,685,000 | $3,392,000 |
| Current Liabilities | $409,810,000 | $349,626,000 | $344,474,000 | $289,616,000 |
| Current Deferred Liabilities | $270,935,000 | $251,640,000 | $235,329,000 | $202,692,000 |
| Payables And Accrued Expenses | $72,954,000 | $45,001,000 | $44,557,000 | $42,087,000 |
| Payables | $16,445,000 | $11,532,000 | $10,505,000 | $9,471,000 |
| Accounts Payable | $16,445,000 | $11,532,000 | $10,505,000 | $9,471,000 |
| Equity | ||||
| Common Stock Equity | $383,936,000 | $323,268,000 | $303,722,000 | $305,297,000 |
| Total Equity Gross Minority Interest | $383,936,000 | $323,268,000 | $303,722,000 | $305,297,000 |
| Stockholders Equity | $383,936,000 | $323,268,000 | $303,722,000 | $305,297,000 |
| Gains Losses Not Affecting Retained Earnings | $2,097,000 | $-2,612,000 | $403,000 | $-6,301,000 |
| Other Equity Adjustments | $2,097,000 | $-2,612,000 | $403,000 | $-6,301,000 |
| Retained Earnings | $-206,455,000 | $-225,888,000 | $-216,255,000 | $-171,562,000 |
| Other | ||||
| Treasury Shares Number | $1,028,186 | $1,028,186 | $1,028,186 | $1,028,186 |
| Ordinary Shares Number | $43,402,081 | $42,488,445 | $41,858,866 | $41,013,158 |
| Share Issued | $44,430,267 | $43,516,631 | $42,887,052 | $42,041,344 |
| Tangible Book Value | $320,452,000 | $273,120,000 | $241,264,000 | $239,283,000 |
| Invested Capital | $495,720,000 | $452,155,000 | $432,652,000 | $374,754,000 |
| Working Capital | $281,252,000 | $247,701,000 | $217,615,000 | $179,480,000 |
| Total Capitalization | $485,720,000 | $450,805,000 | $431,302,000 | $373,651,000 |
| Treasury Stock | $16,534,000 | $16,534,000 | $16,534,000 | $16,534,000 |
| Additional Paid In Capital | $604,828,000 | $568,302,000 | $536,108,000 | $499,694,000 |
| Capital Stock | $0 | $0 | $0 | $0 |
| Common Stock | $0 | $0 | $0 | $0 |
| Preferred Stock | $0 | $0 | $0 | $0 |
| Current Deferred Revenue | $270,935,000 | $251,640,000 | $235,329,000 | $202,692,000 |
| Current Provisions | $55,921,000 | $51,635,000 | $63,238,000 | $43,734,000 |
| Current Accrued Expenses | $56,509,000 | $33,469,000 | $34,052,000 | $32,616,000 |
| Investments And Advances | $983,000 | $373,000 | $12,866,000 | $7,841,000 |
| Held To Maturity Securities | $983,000 | $373,000 | $997,000 | $158,000 |
| Goodwill | $39,382,000 | $36,971,000 | $43,713,000 | $41,983,000 |
| Net PPE | $104,844,000 | $102,191,000 | $103,650,000 | $90,701,000 |
| Accumulated Depreciation | $-58,943,000 | $-49,640,000 | $-42,088,000 | $-37,181,000 |
| Gross PPE | $163,787,000 | $151,831,000 | $145,738,000 | $127,882,000 |
| Construction In Progress | $9,764,000 | $16,070,000 | $34,627,000 | $21,415,000 |
| Machinery Furniture Equipment | $88,710,000 | $70,491,000 | $46,226,000 | $41,593,000 |
| Buildings And Improvements | $49,402,000 | $49,359,000 | $48,974,000 | $48,963,000 |
| Land And Improvements | $15,911,000 | $15,911,000 | $15,911,000 | $15,911,000 |
| Properties | $0 | $0 | $0 | $0 |
| Other Short Term Investments | $232,706,000 | $147,089,000 | $129,667,000 | $156,804,000 |
| Available For Sale Securities | - | - | $11,869,000 | $7,683,000 |
Fetched: 2026-07-14
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $75,359,000 | $38,571,000 | $358,000 | $-25,088,000 |
| Operating Activities | ||||
| Operating Cash Flow | $89,488,000 | $48,287,000 | $18,638,000 | $-8,000,000 |
| Cash Flow From Continuing Operating Activities | $89,488,000 | $48,287,000 | $18,638,000 | $-8,000,000 |
| Operating Gains Losses | $-7,783,000 | - | - | - |
| Investing Activities | ||||
| Capital Expenditure | $-14,129,000 | $-9,716,000 | $-18,280,000 | $-17,088,000 |
| Investing Cash Flow | $-95,887,000 | $-13,457,000 | $7,639,000 | $-67,516,000 |
| Cash Flow From Continuing Investing Activities | $-95,887,000 | $-13,457,000 | $7,639,000 | $-67,516,000 |
| Net Other Investing Changes | $1,664,000 | $2,099,000 | $1,585,000 | $-1,598,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-3,712,000 | $-2,519,000 | $-1,536,000 | $-10,114,000 |
| Financing Cash Flow | $-22,862,000 | $-3,957,000 | $59,126,000 | $60,743,000 |
| Cash Flow From Continuing Financing Activities | $-22,862,000 | $-3,957,000 | $59,126,000 | $60,743,000 |
| Net Other Financing Charges | $-614,000 | $-840,000 | $-378,000 | $-4,359,000 |
| Net Common Stock Issuance | $-3,712,000 | $-2,519,000 | $-1,536,000 | $-10,114,000 |
| Issuance Of Capital Stock | - | - | - | $0 |
| Common Stock Issuance | - | - | - | $0 |
| Other | ||||
| Repayment Of Debt | $-134,438,000 | $-1,350,000 | $-1,717,000 | $-571,000 |
| Issuance Of Debt | $114,208,000 | $0 | $60,102,000 | $69,138,000 |
| Interest Paid Supplemental Data | $13,085,000 | $13,191,000 | $12,100,000 | $3,353,000 |
| End Cash Position | $171,458,000 | $199,530,000 | $170,464,000 | $84,637,000 |
| Beginning Cash Position | $199,530,000 | $170,464,000 | $84,637,000 | $100,869,000 |
| Effect Of Exchange Rate Changes | $1,189,000 | $-1,877,000 | $424,000 | $-1,459,000 |
| Changes In Cash | $-29,261,000 | $30,943,000 | $85,403,000 | $-14,773,000 |
| Proceeds From Stock Option Exercised | $1,694,000 | $752,000 | $2,655,000 | $2,290,000 |
| Common Stock Payments | $-3,712,000 | $-2,519,000 | $-1,536,000 | $-10,114,000 |
| Net Issuance Payments Of Debt | $-20,230,000 | $-1,350,000 | $58,385,000 | $68,567,000 |
| Net Long Term Debt Issuance | $-20,230,000 | $-1,350,000 | $58,385,000 | $68,567,000 |
| Long Term Debt Payments | $-134,438,000 | $-1,350,000 | $-1,717,000 | $-571,000 |
| Long Term Debt Issuance | $114,208,000 | $0 | $60,102,000 | $69,138,000 |
| Net Investment Purchase And Sale | $-83,422,000 | $-5,840,000 | $24,334,000 | $-33,796,000 |
| Sale Of Investment | $172,609,000 | $127,653,000 | $190,270,000 | $239,210,000 |
| Purchase Of Investment | $-256,031,000 | $-133,493,000 | $-165,936,000 | $-273,006,000 |
| Net PPE Purchase And Sale | $-14,129,000 | $-9,716,000 | $-18,280,000 | $-17,088,000 |
| Purchase Of PPE | $-14,129,000 | $-9,716,000 | $-18,280,000 | $-17,088,000 |
| Change In Working Capital | $20,464,000 | $4,471,000 | $16,349,000 | $-8,693,000 |
| Change In Other Working Capital | $22,812,000 | $5,889,000 | $52,052,000 | $60,380,000 |
| Change In Payables And Accrued Expense | $26,029,000 | $2,084,000 | $1,644,000 | $3,136,000 |
| Change In Payable | $26,029,000 | $2,084,000 | $1,644,000 | $3,136,000 |
| Change In Account Payable | $26,029,000 | $2,084,000 | $1,644,000 | $3,136,000 |
| Change In Prepaid Assets | $-1,166,000 | $3,215,000 | $-1,907,000 | $-5,227,000 |
| Change In Receivables | $-27,211,000 | $-6,717,000 | $-35,440,000 | $-66,982,000 |
| Other Non Cash Items | $2,097,000 | $-1,748,000 | $1,347,000 | $1,051,000 |
| Stock Based Compensation | $38,312,000 | $33,432,000 | $33,161,000 | $33,393,000 |
| Asset Impairment Charge | $1,129,000 | $5,299,000 | $0 | $0 |
| Depreciation Amortization Depletion | $15,836,000 | $16,466,000 | $12,474,000 | $10,921,000 |
| Depreciation And Amortization | $15,836,000 | $16,466,000 | $12,474,000 | $10,921,000 |
| Gain Loss On Investment Securities | $-7,783,000 | - | - | - |
| Net Income From Continuing Operations | $19,433,000 | $-9,633,000 | $-44,693,000 | $-44,672,000 |
| Income Tax Paid Supplemental Data | - | $546,000 | $611,000 | $2,498,000 |
| Net Business Purchase And Sale | - | $0 | $0 | $-15,034,000 |
| Purchase Of Business | - | $0 | $0 | $-15,034,000 |
Fetched: 2026-07-14