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    Trupanion Inc (TRUP)

    Official site

    FINANCIAL SERVICES • INSURANCE - PROPERTY & CASUALTY • NASDAQ

    $27.86
    +1.13 (+4.23%)

    Market Cap: $1.16B

    Last updated: Oct 16, 2026 at 1:55 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    44%(17/39)
    Avg Surprise
    -37.11%
    Streak
    1 Q

    Upcoming Estimates

    Period ending Sep 30, 2026
    EPS Consensus$1.01
    Range$1.01 - $1.01
    1 analysts
    EPS Revisions
    1
    0
    7d
    1
    0
    30d
    EPS Estimate DriftChange to current
    90d ago$0.98+3.1%
    60d ago$0.98+3.1%
    30d ago$0.98+3.1%
    7d ago$0.98+3.1%
    Current$1.01
    Revenue Consensus
    $403M
    Range$401M - $404M
    5 analysts
    Period ending Dec 31, 2026
    EPS Consensus$1.21
    Range$1.21 - $1.21
    1 analysts
    Revenue Consensus
    $420M
    Range$415M - $425M
    5 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$1.21---
    Sep 26EST
    		-$1.01---
    Jun 26
    Reported Aug 5
    		$0.16$0.11+45.45%Beat-27.3%
    Mar 26
    Reported Apr 30
    		$0.78$0.88-11.36%Miss+310.5%
    Dec 25
    Reported Feb 12
    		$0.13$0.16-18.75%Miss-61.8%
    Sep 25
    Reported Nov 6
    		$0.77$0.89-13.48%Miss+250.0%
    Jun 25
    Reported Aug 7
    		$0.22$-0.03+833.33%Beat+266.7%
    Mar 25
    Reported May 1
    		$0.19$-0.20+195.00%Beat+1800.0%
    Dec 24
    Reported Feb 19
    		$0.34N/A-59.52%Miss+209.1%
    Sep 24
    Reported Oct 30
    		$0.22N/A-67.65%Miss+266.7%
    Jun 24
    Reported Aug 8
    		$0.06$0.09-33.33%Miss+133.3%
    Mar 24
    Reported May 2
    		$0.01N/A-85.71%Miss+104.8%
    Dec 23
    Reported Feb 15
    		$0.11$0.09+22.22%Beat+1200.0%
    Sep 23
    Reported Nov 2
    		$0.06$-0.11+154.55%Beat+154.5%
    Jun 23
    Reported Aug 3
    		$-0.18N/A-143.90%Miss-50.0%
    Mar 23
    Reported May 4
    		$-0.21$-0.08-162.50%Miss-425.0%
    Dec 22
    Reported Feb 15
    		$-0.01N/A+90.00%Beat+94.1%
    Sep 22
    Reported Nov 3
    		$-0.11$-0.07-57.14%Miss-450.0%
    Jun 22
    Reported Aug 3
    		$-0.12$-0.03-300.00%Miss-71.4%
    Mar 22
    Reported Apr 28
    		$-0.04$-0.01-300.00%Miss+60.0%
    Dec 21
    Reported Feb 16
    		$-0.17N/A+82.11%Beat-1600.0%
    Sep 21
    Reported Nov 3
    		$-0.02$-0.01-100.00%Miss+71.4%
    Jun 21
    Reported Aug 5
    		$-0.07$-0.01-600.00%Miss-170.0%
    Mar 21
    Reported Apr 29
    		$-0.10$-0.01-900.00%Miss-1100.0%
    Dec 20
    Reported Feb 10
    		$-0.01N/A-133.33%Miss-120.0%
    Sep 20
    Reported Oct 29
    		$-0.07$0.01-800.00%Miss-200.0%
    Jun 20
    Reported Aug 4
    		$0.10$0.02+400.00%Beat+300.0%
    Mar 20
    Reported Apr 30
    		$0.01$0.02-50.00%Miss+125.0%
    Dec 19
    Reported Feb 13
    		$0.05$0.03+66.67%Beat+66.7%
    Sep 19
    Reported Nov 5
    		$0.07$0.01+600.00%Beat+0.0%
    Jun 19
    Reported Jul 30
    		$-0.05$0.01-600.00%Miss-266.7%
    Mar 19
    Reported May 2
    		$-0.04$0.01-500.00%Miss-100.0%
    Dec 18
    Reported Feb 13
    		$0.03$0.03+0.00%Beat+250.0%
    Sep 18
    Reported Nov 8
    		$0.07$0.02+250.00%Beat+75.0%
    Jun 18
    Reported Aug 2
    		$0.03$-0.03+200.00%Beat-25.0%
    Mar 18
    Reported May 1
    		$-0.02$-0.04+50.00%Beat+0.0%
    Dec 17
    Reported Feb 13
    		$-0.02$0.01-300.00%Miss+33.3%
    Sep 17
    Reported Nov 2
    		$0.04$-0.01+500.00%Beat-
    Jun 17
    Reported Aug 1
    		$0.04$-0.02+300.00%Beat-
    Mar 17
    Reported May 2
    		$-0.02$-0.04+50.00%Beat-
    Dec 16
    Reported Feb 14
    		$-0.03$-0.02-50.00%Miss-

    Key Metrics

    Valuation
    P/E Ratio15.14EV/EBITDA22.50x
    Price/FCF14.83xFCF Yield6.75%
    Profitability
    Profit Margin1.53%Operating Margin1.62%
    ROE6.07%ROIC6.31%
    Financial Health
    Debt/Equity0.26xInterest Coverage3.48x
    Current Ratio1.77xQuick Ratio1.77x
    Trading Statistics
    Beta1.44Avg Volume441.24K
    52-Week High$46.9852-Week Low$21.16

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$25.68
    SMA 20$24.64
    SMA 50$27.04
    SMA 200$26.99
    EMA 10$25.99
    EMA 20$25.58
    EMA 50$25.91
    EMA 200$28.31

    MACD

    Line: 0.19Signal: -0.35Hist: 0.54

    ADX

    ADX: 22.5+DI: 32.3-DI: 15.6

    Aroon & PSAR

    Aroon Up100.0
    Aroon Down44.0
    PSAR$24.97

    Bollinger Bands

    Upper Band$27.64
    Lower Band$21.65
    %B Position2434%(Upper)
    Band Width1.04

    RSI (14-Day)

    Neutral
    66.6

    Momentum Oscillators

    Stoch %K95.2
    Stoch %D97.3
    Williams %R-10.4
    ROC (10d)17.6%
    Momentum4.16
    CCI (20d)188.2
    MFI (14d)78.1

    Volatility Measures

    ATR (14d)$1.07(3.8%)
    StdDev (20d)1.50
    Hist Vol40.5%(High)

    Volume Flow

    VWAP$27.89
    OBV-3.6M
    AD Line-6.5M
    CMF (20d)0.175

    Volume Metrics

    Avg Vol (20d)441.9K
    Vol Ratio0.8x
    VWMA (20d)$24.52

    Pivot Points

    R3$28.08
    R2$27.42
    R1$27.07
    Pivot Point$26.41
    S1$26.06
    S2$25.40
    S3$25.05

    Advanced Oscillators

    TSI4.27
    Ultimate Osc75.7
    KST-55.40

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$392.93M$384.05M$376.85M$366.92M$353.56M$341.98M$337.31M$327.46M$314.80M$306.12M$295.86M$285.85M
    Cost of Revenue$327.80M$322.56M$311.83M$306.87M$298.73M$290.87M$284.38M$278.08M$274.53M$269.89M$255.79M$250.62M
    Gross Profit$65.13M$61.49M$65.03M$60.05M$54.83M$51.10M$52.92M$49.38M$40.27M$36.23M$40.06M$35.23M
    Operating Expenses$58.76M$56.71M$57.89M$54.20M$52.51M$52.58M$52.58M$47.63M$45.74M$42.36M$39.66M$38.72M
    R&D$12.75M$11.29M$11.30M$9.89M$8.59M$8.07M$8.17M$7.93M$8.19M$6.96M$5.97M$5.30M
    SG&A$19.52M$19.10M$18.32M$18.31M$20.12M$19.89M$16.83M$16.98M$15.25M$14.67M$13.39M$12.66M
    Operating Income$6.38M$4.78M$7.14M$5.86M$2.31M$-1,473,000$348,000$1.75M$-5,471,000$-6,137,000$408,000$-3,491,000
    Interest Income$0$0$0$0$0$0$0$0$0$0$0$0
    Interest Expense$1.83M$1.88M$4.08M$2.79M$3.68M$3.21M$3.43M$3.82M$3.65M$3.60M$3.70M$3.05M
    Income Before Tax$7.37M$5.96M$6.29M$6.60M$10.55M$-1,444,000$1.69M$1.46M$-5,906,000$-6,890,000$-2,033,000$-4,079,000
    Income Tax Expense$542,000$1.08M$663,000$726,000$1.13M$39,000$38,000$39,000$-44,000$-38,000$130,000$-43,000
    Net Income$6.83M$4.88M$5.63M$5.87M$9.41M$-1,483,000$1.66M$1.43M$-5,862,000$-6,852,000$-2,163,000$-4,036,000
    EBITDA$12.88M$11.54M$14.40M$13.44M$18.19M$5.56M$9.04M$9.66M$2.13M$491,000$4.69M$1.96M
    EBIT$9.21M$7.83M$10.37M$9.39M$14.23M$1.77M$5.12M$5.28M$-2,251,000$-3,294,000$1.66M$-1,026,000
    * Some calculated fields are derived from available data when not provided by source

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    News

    Picture Purrfect Pets: Trupanion Announces 2026 truFame Winners

    Trupanion, North America's largest pet insurer, has announced its 2026 truFame winners, featuring ten pets whose stories highlight the importance of pet insurance in covering significant medical costs. These pets...

    GlobeNewswire•10/15/26•Bullish

    A 14-year-old cat who battled cancer will be one of Trupanion’s 2027 faces

    Trupanion (TRUP) announced the ten winners of its 2026 truFame contest, who will serve as the faces of the company in 2027. Among the winners is Lucille Mae, a 14-year-old cat that has battled kidney disease...

    Stock Titan•10/14/26•Neutral

    Picture Purrfect Pets: Trupanion Announces 2026 truFame Winners

    Trupanion has announced its 2026 truFame winners, featuring ten pets whose stories of survival highlight the value of pet insurance. Over 5,700 members and pet lovers submitted entries, with pets like Lucille Mae...

    Yahoo Finance Australia•10/14/26•Bullish

    Trupanion CEO Margaret Tooth sells $25,840 in company stock By Investing.com

    Trupanion CEO Margaret Tooth sold 1,000 shares of the company's common stock for $25,840 on October 9, 2026, pursuant to a pre-arranged Rule 10b5-1(c) trading plan for financial diversification. Following the sale...

    Investing.com Nigeria•10/13/26•Neutral

    Trupanion CEO Margaret Tooth sells $25,840 in company stock By Investing.com

    Trupanion CEO Margaret Tooth sold 1,000 shares of company stock worth $25,840 on October 9, 2026, pursuant to a pre-arranged trading plan for financial diversification. The stock has since gained 7.7%...

    Investing.com Canada•10/13/26•Neutral

    TRUP Valuation and Fair Value

    P/E
    15.1x
    Forward P/E
    1428.6x
    EV/EBITDA
    22.5x
    P/FCF
    14.8x
    PEG
    0.0x
    P/B
    3.0x
    See GNG's fair value

    TRUP Profitability: Margins, ROIC and FCF

    Gross margin
    16.6%
    Operating margin
    1.6%
    Net margin
    1.5%
    ROIC
    6.3%
    ROE
    6.1%
    FCF margin
    5.4%
    FCF yield
    6.7%

    TRUP Competitors

    CompanyTicker
    Jefferson Capital, Inc. Common StockJCAP
    Gold.com, Inc.GOLD
    Neuberger Berman Next Generation Connectivity Fund IncNBXG
    Univest Corporation PennsylvaniaUVSP
    Preferred BankPFBC
    Heritage Financial CorporationHFWA
    Old Second Bancorp IncOSBC
    Oppenheimer Holdings IncOPY

    Sector: Financial Services

    TRUP Analyst Ratings

    Consensus
    Hold
    Analysts
    6
    Strong Buy
    0
    Buy
    2
    Hold
    4
    Sell
    0
    Strong Sell
    0

    TRUP Bull Case vs Bear Case

    Bull case

    • TRUP grew quarterly revenue 11.1% year over year.

    Bear case

    • TRUP beat EPS estimates in 37.5% of its last 8 reported quarters.

    TRUP Earnings: Beat Rate and Next Report

    Beat rate
    3 of 8 quarters (37.5%)
    Average surprise
    112.9%
    EPS estimate (fiscal period ending Sep 30, 2026)
    $1.01
    Estimate revisions (30 days, fiscal period ending Sep 30, 2026)
    1 up, 0 down

    Frequently Asked Questions About TRUP

    Does TRUP pay dividends?

    Trupanion Inc (TRUP) does not currently pay a regular dividend.

    What is TRUP's P/E ratio?

    Trupanion Inc has a price-to-earnings (P/E) ratio of 15.14.

    What is TRUP's market cap?

    Trupanion Inc (TRUP) has a market capitalization of $1.16B with a current stock price of $27.86.

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