Trupanion, Inc.

Trupanion, Inc.

TRUP
Trupanion, Inc.US flagNASDAQ Global Market
23.65
USD
+0.36
- -
1.03BMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
63.89
4.16
5.32
6.6
8.2
9.51
11.08
14
17.41
22.2
26.75
30.5
33.5
34.5
Basic EPS, GAAP
-6.23
-0.76
-0.62
-0.24
-0.05
-0.03
-0.05
-0.16
-0.89
-1.1
-1.08
-0.23
0.45
0.6
Free Cash Flow per Basic Share
-1.9
-0.59
-0.55
0.11
0.22
-1.48
0.31
0.39
-0.12
-0.62
0.01
0.91
1.75
1.75
Dividend per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Book Value per Share
-27.44
-2.05
-2.69
-2.85
-2.8
-2.62
-2.47
-2.55
-3.16
-4.21
-5.22
-5.36
-4.81
-4.69
Tangible Book Value per Share
-28.89
1.96
1.47
1.4
1.47
3.79
3.72
7.8
6.9
5.87
5.82
6.48
7.46
7.74
Basic Weighted Avg Shares
1
28
28
29
30
32
35
36
40
41
41
42
43
43
Sales/Revenue/Turnover
84
116
147
188
243
304
384
502
699
905
1,109
1,286
1,439
1,481
Operating Margin (%)
-8.33
-13.76
-11.41
-3.56
-1.09
-0.34
-0.41
-0.96
6.24
5.16
3.33
5.24
6.99
7.34
Depreciation Expense
1
2
3
4
4
5
6
7
12
11
12
16
16
16
Net Income, GAAP
-8
-21
-17
-7
-2
-1
-2
-6
-36
-45
-45
-10
19
26
Effective Tax Rate (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
11.64
12.24
Profit Margin (%)
-9.75
-18.27
-11.71
-3.66
-0.62
-0.3
-0.47
-1.16
-5.08
-4.94
-4.03
-0.75
1.35
1.74
Working Capital
14
62
30
35
41
55
67
187
167
179
218
248
281
297
LT Debt
25
15
- -
5
9
13
26
- -
- -
68
128
128
102
99
Total Equity
-33
59
45
45
48
129
137
340
332
305
304
323
384
395
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
18.82
19.81
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
-32.96
-38.48
Return on Common Equity (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
1
10
10
LT Borrowings
114
102
99
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
43
43
44
Market Capitalization
1,852
1,598
1,100

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
668
691
705
Cash, Cash Equivalents & STI
349
371
384
Accounts Receivable, Net
303
302
305
Inventories
- -
- -
- -
Total Current Liabilities
391
410
408
Payables & Accruals
56
73
55
ST Debt
1
10
10
Deferred Revenue
280
271
287

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
34.24%
2.86%
18.77%
Free Cash Flow
1,002.41%
2,189.11%
95.38%
Net Income, GAAP
29.55%
30.8%
-301.73%
Sales/Revenue/Turnover
25.84%
23.82%
11.95%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
306
315
327
337
1,286
2025
342
354
367
377
1,439
2026
384
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
-0.16
-0.14
0.03
0.04
-0.23
2025
-0.03
0.22
0.14
0.13
0.45
2026
0.11
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -

Company Description

MCPAPIChat
CEO
Margaret Rosemary Maria Tooth
Full Time Employees
1,130
Sector
Financial Services
Industry
Insurance - Specialty
Address
6100 4th Avenue South Seattle WA United States of America 98108
IPO Date
Jul 18, 2014
Business
Trupanion, Inc. provides medical insurance for cats and dogs on a subscription basis throughout the United States, Canada, certain countries in Continental Europe, Puerto Rico, and Australia. The company operates in two segments, Subscription Business and Other Business; the Subscription Business generates revenue from direct-to-consumer monthly subscription fees for comprehensive pet medical coverage featuring unlimited lifetime payouts, distinctive lifetime pricing, direct payment to veterinarians in seconds, and round-the-clock support; the Other Business includes writing policies on behalf of third parties under brands such as Furkin and PHI Direct in Canada and Trupanion-branded products in Germany and Switzerland, as well as software solutions that integrate with veterinary hospital practice management systems. Founded in 2000 and headquartered in Seattle, Washington, Trupanion serves pet owners and veterinarians through its wholly-owned insurance entity American Pet Insurance Company in the United States and partnerships including Accelerant Insurance Company of Canada and Hollard Insurance Company in Australia. Recent developments include a strategic collaboration with Boehringer Ingelheim announced in June 2024 to enhance pet healthcare access through early risk factor identification, disease management, veterinarian education, and product extensions; partnerships with BMO Insurance and Seattle Reign FC to expand distribution; formation of a Pet and Public Health Advisory Board in August 2024 featuring Boehringer Ingelheim and Mars Science; appointment of Bradley Powell to the board of directors; strong third-quarter 2025 financial results with record profitability and 12% revenue growth to $1,062.5 million for the nine months ended September 30; and a new $120 million credit facility with PNC Bank secured on November 4, 2025, comprising a $100 million term loan and $20 million revolving facility maturing in 2028 to improve financial flexibility.

Company News

MCPAPIChat
  • Is the Options Market Predicting a Spike in Trupanion Stock?

  • Lacy Pushes Trupanion Past $4 Billion in Paid Claims, Helping More than 3.9 Million Pets Receive Care

  • 5 Stocks to Watch From Prospering Accident & Health Insurance Industry

  • Trupanion, Inc. (TRUP) Q1 2026 Earnings Call Transcript

  • Trupanion (TRUP) Reports Q1 Earnings: What Key Metrics Have to Say

  • Trupanion (TRUP) Q1 Earnings and Revenues Beat Estimates

  • Trupanion Reports First Quarter 2026 Results

  • Unum (UNM) Beats Q1 Earnings and Revenue Estimates

  • Trupanion Publishes 2025 Annual Letter to Shareholders

  • Trupanion (TRUP) Earnings Expected to Grow: Should You Buy?

  • Trupanion Announces First Quarter 2026 Earnings Release and Conference Call

  • A Look at Trupanion Inc (TRUP) After 3.8% Gain -- GF Value $40.73 vs Price $26.26

  • JPMorgan Chase & Co. Lowers Stake in Trupanion, Inc. $TRUP

  • Trupanion's CFO Just Sold His Last Share. The Filing Explains Why

  • Trupanion: Pet Insurer Hits Key Milestone (Rating Upgrade)

  • HABRI and Trupanion Announce Strategic Partnership

  • Trupanion Conference: CEO Eyes Aggressive Pet Growth as Pricing, Tech Drive 2026 Outlook

  • 3 Accident & Health Insurers Navigating High Medical Costs, Inflation

  • Trupanion Announces Upcoming Investor Conference Participation

  • Trupanion, Inc. (NASDAQ:TRUP) Receives Average Rating of “Moderate Buy” from Analysts