Symbols / TRUP Stock $21.88 -0.91% Trupanion, Inc.

Financial Services • Insurance - Property & Casualty • United States • NGM
TRUP (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Insurance - Property & Casualty
CEO Ms. Margaret Rosemary Maria Tooth
Exch · Country NGM · United States
Market Cap 954.42M
Enterprise Value 680.10M
Income 25.80M
Sales 1.48B
FCF (ttm) -13.62M
Book/sh 9.05
Cash/sh 8.79
Employees 1,121
Insider 10d —
IPO Jul 18, 2014
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 0.00%
P/E 37.08
Forward P/E 5.08
PEG —
P/S 0.64
P/B 2.42
P/C —
EV/EBITDA 18.40
EV/Sales 0.46
Quick Ratio 1.69
Current Ratio 1.73
Debt/Eq 27.70
LT Debt/Eq —
EPS (ttm) 0.59
EPS next Y 4.31
EPS Growth —
Revenue Growth 12.30%
EPS Gr Q/Q —
Rev Gr Q/Q —
Earnings (next) 2026-04-30
Earnings (prior) 2026-04-30
ROA 1.51%
ROE 7.08%
ROIC —
Gross Margin 22.34%
Oper. Margin 1.24%
Profit Margin 1.74%
Shs Outstand 43.62M
Shs Float 34.71M
Insider Own 15.70%
Instit Own 79.05%
Short Float 10.19%
Short Ratio 10.30
Short Interest 3.68M
52W High 57.88
vs 52W High -62.20%
52W Low 21.37
vs 52W Low 2.39%
Beta 1.49
Impl. Vol. 50.68%
Rel Volume 1.28
Avg Volume 395.56K
Volume 506.47K
Target (mean) $39.75
Tgt Median $39.50
Tgt Low $28.00
Tgt High $52.00
# Analysts 4
Recom Buy
Prev Close $22.08
Price $21.88
Change -0.91%
About

Trupanion, Inc., together with its subsidiaries, provides medical insurance for cats and dogs on subscription basis in the United States, Canada, Continental Europe, and Australia. 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. changed its name to Trupanion, Inc. in 2013. The company was founded in 2000 and is headquartered in Seattle, Washington.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$39.75
Mean price target
2. Current target
$21.88
Latest analyst target
3. DCF / Fair value
$-5.62
Simplified: (Free Cash Flow ÷ Shares) × 18 (P/FCF multiple). Not a …
Ratings
Current target
$21.88
Low
$28.00
High
$52.00
Mean
$39.75

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-04-14 main B of A Securities Buy → Buy $59
2026-04-09 main Cantor Fitzgerald Neutral → Neutral $34
2026-03-31 main Stifel Hold → Hold $31
2026-02-13 main Stifel Hold → Hold $35
2026-02-13 main Piper Sandler Overweight → Overweight $45
2026-01-29 main Stifel Hold → Hold $38
2026-01-14 main Cantor Fitzgerald Neutral → Neutral $42
2025-12-19 main Piper Sandler Overweight → Overweight $60
2025-11-18 main Stifel Hold → Hold $42
2025-08-08 main Stifel Hold → Hold $45
2025-08-08 main Piper Sandler Overweight → Overweight $67
2025-07-03 main Piper Sandler Overweight → Overweight $62
2025-05-02 main Lake Street Buy → Buy $60
2025-02-20 main Stifel Hold → Hold $41
2025-02-20 main Piper Sandler Overweight → Overweight $52
2025-01-23 up Piper Sandler Neutral → Overweight $57
2025-01-06 main Stifel Hold → Hold $44
2024-10-31 main Northland Capital Markets Market Perform → Market Perform $50
2024-10-31 main Piper Sandler Neutral → Neutral $57
2024-10-02 main Piper Sandler Neutral → Neutral $45
News
RSS: Latest TRUP news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-04-28 GALLAGHER JOHN R Chief Operating Officer — 431 $27.47 $11,840
2026-03-30 GALLAGHER JOHN R Chief Operating Officer — 430 $25.47 $10,952
2026-03-04 DREYER EMILY Officer — 7,792 $28.15 $219,320
2026-02-27 GALLAGHER JOHN R Chief Operating Officer — 5,283 $26.52 $140,080
2026-02-27 QURESHI FAWWAD Chief Financial Officer — 2,837 $26.46 $75,075
2026-02-25 WEINRAUCH STEVE A Officer — 85 $26.70 $2,270
2026-02-25 QURESHI FAWWAD Chief Financial Officer — 4,645 $25.61 $118,958
2026-02-25 RAWLINGS DARRYL G Director — 946 — —
2026-02-25 WEINRAUCH STEVE A Officer — 925 — —
2026-02-25 TOOTH MARGARET R Chief Executive Officer — 4,516 — —
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
1,439.31
+11.95%
1,285.68
+15.97%
1,108.61
+22.47%
905.18
Operating Revenue
989.34
+15.51%
856.52
+20.15%
712.91
+19.49%
596.61
Cost Of Revenue
1,208.29
+9.16%
1,106.89
+13.23%
977.59
+24.85%
782.99
Reconciled Cost Of Revenue
1,208.29
+9.16%
1,106.89
+13.23%
977.59
+24.85%
782.99
Gross Profit
231.01
+29.20%
178.80
+36.47%
131.02
+7.23%
122.19
Operating Expense
130.33
+16.94%
111.45
+18.46%
94.08
+24.73%
75.43
Research And Development
37.85
+21.09%
31.25
+46.03%
21.40
-14.84%
25.13
Selling General And Administration
76.65
+20.27%
63.73
+5.85%
60.21
+52.89%
39.38
Selling And Marketing Expense
—
—
—
89.50
General And Administrative Expense
76.65
+20.27%
63.73
+5.85%
60.21
+52.89%
39.38
Other Gand A
76.65
+20.27%
63.73
+5.85%
60.21
+52.89%
39.38
Other Operating Expenses
—
—
77.37
-13.55%
89.50
Total Expenses
1,338.63
+9.87%
1,218.34
+13.69%
1,071.67
+24.84%
858.43
Operating Income
100.68
+49.50%
67.35
+82.35%
36.93
-21.00%
46.75
Total Operating Income As Reported
13.84
+245.44%
-9.51
+76.60%
-40.66
+5.45%
-43.00
EBITDA
51.59
+141.91%
21.33
+204.11%
-20.48
+29.38%
-29.01
Normalized EBITDA
138.13
+40.94%
98.00
+72.28%
56.89
-5.96%
60.49
Reconciled Depreciation
15.84
-3.83%
16.47
+32.00%
12.47
+14.22%
10.92
EBIT
35.75
+635.66%
4.86
+114.75%
-32.96
+17.46%
-39.93
Total Unusual Items
-86.54
-12.86%
-76.68
+0.90%
-77.37
+13.55%
-89.50
Total Unusual Items Excluding Goodwill
-86.54
-12.86%
-76.68
+0.90%
-77.37
+13.55%
-89.50
Special Income Charges
-86.54
-12.86%
-76.68
+0.90%
-77.37
+13.55%
-89.50
Impairment Of Capital Assets
1.13
-78.69%
5.30
0.00
0.00
Restructuring And Mergern Acquisition
85.41
+19.65%
71.38
-7.75%
77.37
-13.55%
89.50
Net Income
19.43
+301.73%
-9.63
+78.45%
-44.69
-0.05%
-44.67
Pretax Income
21.99
+328.20%
-9.64
+78.60%
-45.03
-1.90%
-44.20
Net Non Operating Interest Income Expense
-1.46
+30.46%
-2.10
+31.82%
-3.08
-142.86%
-1.27
Interest Expense Non Operating
13.76
-5.10%
14.50
+20.05%
12.08
+183.03%
4.27
Net Interest Income
-1.46
+30.46%
-2.10
+31.82%
-3.08
-142.86%
-1.27
Interest Expense
13.76
-5.10%
14.50
+20.05%
12.08
+183.03%
4.27
Interest Income Non Operating
12.30
-0.81%
12.40
+37.78%
9.00
+200.00%
3.00
Interest Income
12.30
-0.81%
12.40
+37.78%
9.00
+200.00%
3.00
Other Income Expense
-77.23
-3.12%
-74.89
+5.08%
-78.89
+12.03%
-89.68
Other Non Operating Income Expenses
9.62
+387.13%
1.97
+251.96%
-1.30
-1904.17%
0.07
Tax Provision
2.56
+51320.00%
-0.01
+98.54%
-0.34
-171.85%
0.48
Tax Rate For Calcs
0.00
0.00
-100.00%
0.00
-96.19%
0.00
Tax Effect Of Unusual Items
-10.04
0.00
+100.00%
-0.62
+96.71%
-18.80
Net Income Including Noncontrolling Interests
19.43
+301.73%
-9.63
+78.45%
-44.69
-0.05%
-44.67
Net Income From Continuing Operation Net Minority Interest
19.43
+301.73%
-9.63
+78.45%
-44.69
-0.05%
-44.67
Net Income From Continuing And Discontinued Operation
19.43
+301.73%
-9.63
+78.45%
-44.69
-0.05%
-44.67
Net Income Continuous Operations
19.43
+301.73%
-9.63
+78.45%
-44.69
-0.05%
-44.67
Normalized Income
95.93
+43.09%
67.05
+109.12%
32.06
+23.15%
26.03
Net Income Common Stockholders
19.43
+301.73%
-9.63
+78.45%
-44.69
-0.05%
-44.67
Diluted EPS
0.45
+295.65%
-0.23
+78.70%
-1.08
+1.82%
-1.10
Basic EPS
0.45
+295.65%
-0.23
+78.70%
-1.08
+1.82%
-1.10
Basic Average Shares
42.96
+1.90%
42.16
+1.74%
41.44
+1.65%
40.77
Diluted Average Shares
43.56
+3.31%
42.16
+1.74%
41.44
+1.65%
40.77
Diluted NI Availto Com Stockholders
19.43
+301.73%
-9.63
+78.45%
-44.69
-0.05%
-44.67
Depreciation Amortization Depletion Income Statement
15.84
-3.83%
16.47
+32.00%
12.47
+14.22%
10.92
Depreciation And Amortization In Income Statement
15.84
-3.83%
16.47
+32.00%
12.47
+14.22%
10.92
Earnings From Equity Interest
-0.30
-67.58%
-0.18
+16.89%
-0.22
+13.44%
-0.25
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
915.04
+13.41%
806.85
+3.05%
782.95
+16.57%
671.63
Current Assets
691.06
+15.69%
597.33
+6.27%
562.09
+19.82%
469.10
Cash Cash Equivalents And Short Term Investments
370.73
+20.61%
307.38
+10.90%
277.17
+24.62%
222.41
Cash And Cash Equivalents
138.02
-13.89%
160.29
+8.67%
147.50
+124.83%
65.61
Other Short Term Investments
232.71
+58.21%
147.09
+13.44%
129.67
-17.31%
156.80
Receivables
301.94
+10.19%
274.03
+2.29%
267.90
+15.26%
232.44
Accounts Receivable
301.94
+10.19%
274.03
+2.29%
267.90
+15.26%
232.44
Gross Accounts Receivable
303.26
+10.22%
275.15
+2.29%
268.98
+15.45%
232.98
Allowance For Doubtful Accounts Receivable
-1.31
-17.37%
-1.12
-2.95%
-1.08
-100.93%
-0.54
Prepaid Assets
—
—
—
—
Other Current Assets
18.39
+15.55%
15.91
-6.52%
17.02
+19.47%
14.25
Total Non Current Assets
223.98
+6.90%
209.53
-5.13%
220.86
+9.05%
202.53
Net PPE
104.84
+2.60%
102.19
-1.41%
103.65
+14.28%
90.70
Gross PPE
163.79
+7.87%
151.83
+4.18%
145.74
+13.96%
127.88
Accumulated Depreciation
-58.94
-18.74%
-49.64
-17.94%
-42.09
-13.20%
-37.18
Properties
0.00
0.00
0.00
0.00
Land And Improvements
15.91
+0.00%
15.91
+0.00%
15.91
+0.00%
15.91
Buildings And Improvements
49.40
+0.09%
49.36
+0.79%
48.97
+0.02%
48.96
Machinery Furniture Equipment
88.71
+25.85%
70.49
+52.49%
46.23
+11.14%
41.59
Construction In Progress
9.76
-39.24%
16.07
-53.59%
34.63
+61.70%
21.41
Goodwill And Other Intangible Assets
63.48
+26.59%
50.15
-19.71%
62.46
-5.39%
66.01
Goodwill
39.38
+6.52%
36.97
-15.42%
43.71
+4.12%
41.98
Other Intangible Assets
24.10
+82.91%
13.18
-29.70%
18.75
-22.00%
24.03
Investments And Advances
0.98
+163.54%
0.37
-97.10%
12.87
+64.09%
7.84
Other Non Current Assets
54.67
-3.77%
56.81
+35.64%
41.88
+10.30%
37.98
Total Liabilities Net Minority Interest
531.11
+9.83%
483.58
+0.91%
479.23
+30.82%
366.33
Current Liabilities
409.81
+17.21%
349.63
+1.50%
344.47
+18.94%
289.62
Payables And Accrued Expenses
72.95
+62.12%
45.00
+1.00%
44.56
+5.87%
42.09
Payables
16.45
+42.60%
11.53
+9.78%
10.51
+10.92%
9.47
Accounts Payable
16.45
+42.60%
11.53
+9.78%
10.51
+10.92%
9.47
Current Accrued Expenses
56.51
+68.84%
33.47
-1.71%
34.05
+4.40%
32.62
Current Debt And Capital Lease Obligation
10.00
+640.74%
1.35
+0.00%
1.35
+22.39%
1.10
Current Debt
10.00
+640.74%
1.35
+0.00%
1.35
+22.39%
1.10
Other Current Borrowings
10.00
+640.74%
1.35
+0.00%
1.35
—
Current Deferred Liabilities
270.94
+7.67%
251.64
+6.93%
235.33
+16.10%
202.69
Current Deferred Revenue
270.94
+7.67%
251.64
+6.93%
235.33
+16.10%
202.69
Total Non Current Liabilities Net Minority Interest
121.30
-9.45%
133.96
-0.59%
134.75
+75.66%
76.71
Long Term Debt And Capital Lease Obligation
101.78
-20.19%
127.54
-0.03%
127.58
+86.65%
68.35
Long Term Debt
101.78
-20.19%
127.54
-0.03%
127.58
+86.65%
68.35
Non Current Deferred Liabilities
1.51
-22.40%
1.95
-27.52%
2.69
-20.84%
3.39
Non Current Deferred Taxes Liabilities
1.51
-22.40%
1.95
-27.52%
2.69
-20.84%
3.39
Other Non Current Liabilities
18.00
+302.23%
4.48
-0.25%
4.49
-9.68%
4.97
Stockholders Equity
383.94
+18.77%
323.27
+6.44%
303.72
-0.52%
305.30
Common Stock Equity
383.94
+18.77%
323.27
+6.44%
303.72
-0.52%
305.30
Capital Stock
0.00
0.00
0.00
0.00
Common Stock
0.00
0.00
0.00
0.00
Preferred Stock
0.00
0.00
0.00
0.00
Share Issued
44.43
+2.10%
43.52
+1.47%
42.89
+2.01%
42.04
Ordinary Shares Number
43.40
+2.15%
42.49
+1.50%
41.86
+2.06%
41.01
Treasury Shares Number
1.03
+0.00%
1.03
+0.00%
1.03
+0.00%
1.03
Additional Paid In Capital
604.83
+6.43%
568.30
+6.01%
536.11
+7.29%
499.69
Retained Earnings
-206.46
+8.60%
-225.89
-4.45%
-216.25
-26.05%
-171.56
Gains Losses Not Affecting Retained Earnings
2.10
+180.28%
-2.61
-748.14%
0.40
+106.40%
-6.30
Treasury Stock
16.53
+0.00%
16.53
+0.00%
16.53
+0.00%
16.53
Other Equity Adjustments
2.10
+180.28%
-2.61
-748.14%
0.40
+106.40%
-6.30
Total Equity Gross Minority Interest
383.94
+18.77%
323.27
+6.44%
303.72
-0.52%
305.30
Total Capitalization
485.72
+7.75%
450.81
+4.52%
431.30
+15.43%
373.65
Working Capital
281.25
+13.54%
247.70
+13.83%
217.62
+21.25%
179.48
Invested Capital
495.72
+9.63%
452.15
+4.51%
432.65
+15.45%
374.75
Total Debt
111.78
-13.27%
128.89
-0.03%
128.93
+85.63%
69.46
Net Debt
—
—
—
3.85
Net Tangible Assets
320.45
+17.33%
273.12
+13.20%
241.26
+0.83%
239.28
Tangible Book Value
320.45
+17.33%
273.12
+13.20%
241.26
+0.83%
239.28
Available For Sale Securities
—
—
11.87
+54.48%
7.68
Current Provisions
55.92
+8.30%
51.63
-18.35%
63.24
+44.60%
43.73
Held To Maturity Securities
0.98
+163.54%
0.37
-62.59%
1.00
+531.01%
0.16
Investmentin Financial Assets
0.98
+163.54%
0.37
-97.10%
12.87
+64.09%
7.84
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
89.49
+85.33%
48.29
+159.08%
18.64
+332.98%
-8.00
Cash Flow From Continuing Operating Activities
89.49
+85.33%
48.29
+159.08%
18.64
+332.98%
-8.00
Net Income From Continuing Operations
19.43
+301.73%
-9.63
+78.45%
-44.69
-0.05%
-44.67
Depreciation Amortization Depletion
15.84
-3.83%
16.47
+32.00%
12.47
+14.22%
10.92
Depreciation And Amortization
15.84
-3.83%
16.47
+32.00%
12.47
+14.22%
10.92
Other Non Cash Items
2.10
+219.97%
-1.75
-229.77%
1.35
+28.16%
1.05
Stock Based Compensation
38.31
+14.60%
33.43
+0.82%
33.16
-0.69%
33.39
Asset Impairment Charge
1.13
-78.69%
5.30
0.00
0.00
Operating Gains Losses
-7.78
—
—
—
Gain Loss On Investment Securities
-7.78
—
—
—
Change In Working Capital
20.46
+357.71%
4.47
-72.65%
16.35
+288.07%
-8.69
Change In Receivables
-27.21
-305.11%
-6.72
+81.05%
-35.44
+47.09%
-66.98
Change In Prepaid Assets
-1.17
-136.27%
3.21
+268.59%
-1.91
+63.52%
-5.23
Change In Payables And Accrued Expense
26.03
+1148.99%
2.08
+26.76%
1.64
-47.58%
3.14
Change In Payable
26.03
+1148.99%
2.08
+26.76%
1.64
-47.58%
3.14
Change In Account Payable
26.03
+1148.99%
2.08
+26.76%
1.64
-47.58%
3.14
Change In Other Working Capital
22.81
+287.37%
5.89
-88.69%
52.05
-13.79%
60.38
Investing Cash Flow
-95.89
-612.54%
-13.46
-276.16%
7.64
+111.31%
-67.52
Cash Flow From Continuing Investing Activities
-95.89
-612.54%
-13.46
-276.16%
7.64
+111.31%
-67.52
Net PPE Purchase And Sale
-14.13
-45.42%
-9.72
+46.85%
-18.28
-6.98%
-17.09
Purchase Of PPE
-14.13
-45.42%
-9.72
+46.85%
-18.28
-6.98%
-17.09
Capital Expenditure
-14.13
-45.42%
-9.72
+46.85%
-18.28
-6.98%
-17.09
Net Investment Purchase And Sale
-83.42
-1328.46%
-5.84
-124.00%
24.33
+172.00%
-33.80
Purchase Of Investment
-256.03
-91.79%
-133.49
+19.55%
-165.94
+39.22%
-273.01
Sale Of Investment
172.61
+35.22%
127.65
-32.91%
190.27
-20.46%
239.21
Net Business Purchase And Sale
—
0.00
0.00
+100.00%
-15.03
Purchase Of Business
—
0.00
0.00
+100.00%
-15.03
Net Other Investing Changes
1.66
-20.72%
2.10
+32.43%
1.58
+199.19%
-1.60
Financing Cash Flow
-22.86
-477.76%
-3.96
-106.69%
59.13
-2.66%
60.74
Cash Flow From Continuing Financing Activities
-22.86
-477.76%
-3.96
-106.69%
59.13
-2.66%
60.74
Net Issuance Payments Of Debt
-20.23
-1398.52%
-1.35
-102.31%
58.38
-14.85%
68.57
Issuance Of Debt
114.21
0.00
-100.00%
60.10
-13.07%
69.14
Repayment Of Debt
-134.44
-9858.37%
-1.35
+21.37%
-1.72
-200.70%
-0.57
Long Term Debt Issuance
114.21
0.00
-100.00%
60.10
-13.07%
69.14
Long Term Debt Payments
-134.44
-9858.37%
-1.35
+21.37%
-1.72
-200.70%
-0.57
Net Long Term Debt Issuance
-20.23
-1398.52%
-1.35
-102.31%
58.38
-14.85%
68.57
Net Common Stock Issuance
-3.71
-47.36%
-2.52
-64.00%
-1.54
+84.81%
-10.11
Common Stock Payments
-3.71
-47.36%
-2.52
-64.00%
-1.54
+84.81%
-10.11
Repurchase Of Capital Stock
-3.71
-47.36%
-2.52
-64.00%
-1.54
+84.81%
-10.11
Proceeds From Stock Option Exercised
1.69
+125.27%
0.75
-71.68%
2.65
+15.94%
2.29
Net Other Financing Charges
-0.61
+26.90%
-0.84
-122.22%
-0.38
+91.33%
-4.36
Changes In Cash
-29.26
-194.56%
30.94
-63.77%
85.40
+678.10%
-14.77
Effect Of Exchange Rate Changes
1.19
+163.35%
-1.88
-542.69%
0.42
+129.06%
-1.46
Beginning Cash Position
199.53
+17.05%
170.46
+101.41%
84.64
-16.09%
100.87
End Cash Position
171.46
-14.07%
199.53
+17.05%
170.46
+101.41%
84.64
Free Cash Flow
75.36
+95.38%
38.57
+10674.02%
0.36
+101.43%
-25.09
Interest Paid Supplemental Data
13.09
-0.80%
13.19
+9.02%
12.10
+260.87%
3.35
Income Tax Paid Supplemental Data
—
0.55
-10.64%
0.61
-75.54%
2.50
Common Stock Issuance
—
—
—
0.00
Issuance Of Capital Stock
—
—
—
0.00
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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