T

    Trupanion Inc (TRUP)

    Official site

    FINANCIAL SERVICES • INSURANCE - PROPERTY & CASUALTY • NASDAQ

    $29.15
    -0.47 (-1.59%)

    Market Cap: $1.29B

    Last updated: Sep 01, 2026 at 10:00 AM ET

    Earnings

    Performance (10Y)

    Beat Rate
    45%(18/40)
    Avg Surprise
    -35.56%
    Streak
    1 Q

    Upcoming Estimates

    Sep 30, 2026
    EPS Consensus$1.01
    Range$1.01 - $1.01
    1 analysts
    EPS RevisionsNo revisions (7d)
    0
    1
    30d
    EPS Estimate Drift
    90d ago$0.98-3.0%
    60d ago$0.98-3.0%
    30d ago$0.98-3.0%
    7d ago$0.98-3.0%
    Current$1.01
    Revenue Consensus
    $403M
    Range$401M - $404M
    5 analysts
    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
    		$0.16$0.11+45.45%Beat-27.3%
    Mar 26
    		$0.78$0.88-11.36%Miss+310.5%
    Dec 25
    		$0.13$0.16-18.75%Miss-61.8%
    Sep 25
    		$0.77$0.89-13.48%Miss+250.0%
    Jun 25
    		$0.22$-0.03+833.33%Beat+266.7%
    Mar 25
    		$0.19$-0.20+195.00%Beat+1800.0%
    Dec 24
    		$0.34N/A-59.52%Miss+209.1%
    Sep 24
    		$0.22N/A-67.65%Miss+266.7%
    Jun 24
    		$0.06$0.09-33.33%Miss+133.3%
    Mar 24
    		$0.01N/A-85.71%Miss+104.8%
    Dec 23
    		$0.11$0.09+22.22%Beat+1200.0%
    Sep 23
    		$0.06$-0.11+154.55%Beat+154.5%
    Jun 23
    		$-0.18N/A-143.90%Miss-50.0%
    Mar 23
    		$-0.21$-0.08-162.50%Miss-425.0%
    Dec 22
    		$-0.01N/A+90.00%Beat+94.1%
    Sep 22
    		$-0.11$-0.07-57.14%Miss-450.0%
    Jun 22
    		$-0.12$-0.03-300.00%Miss-71.4%
    Mar 22
    		$-0.04$-0.01-300.00%Miss+60.0%
    Dec 21
    		$-0.17N/A+82.11%Beat-1600.0%
    Sep 21
    		$-0.02$-0.01-100.00%Miss+71.4%
    Jun 21
    		$-0.07$-0.01-600.00%Miss-170.0%
    Mar 21
    		$-0.10$-0.01-900.00%Miss-1100.0%
    Dec 20
    		$-0.01N/A-133.33%Miss-120.0%
    Sep 20
    		$-0.07$0.01-800.00%Miss-200.0%
    Jun 20
    		$0.10$0.02+400.00%Beat+300.0%
    Mar 20
    		$0.01$0.02-50.00%Miss+125.0%
    Dec 19
    		$0.05$0.03+66.67%Beat+66.7%
    Sep 19
    		$0.07$0.01+600.00%Beat+0.0%
    Jun 19
    		$-0.05$0.01-600.00%Miss-266.7%
    Mar 19
    		$-0.04$0.01-500.00%Miss-100.0%
    Dec 18
    		$0.03$0.03+0.00%Beat+250.0%
    Sep 18
    		$0.07$0.02+250.00%Beat+75.0%
    Jun 18
    		$0.03$-0.03+200.00%Beat-25.0%
    Mar 18
    		$-0.02$-0.04+50.00%Beat+0.0%
    Dec 17
    		$-0.02$0.01-300.00%Miss+33.3%
    Sep 17
    		$0.04$-0.01+500.00%Beat+233.3%
    Jun 17
    		$0.04$-0.02+300.00%Beat-
    Mar 17
    		$-0.02$-0.04+50.00%Beat-
    Dec 16
    		$-0.03$-0.02-50.00%Miss-
    Sep 16
    		$-0.03$-0.04+25.00%Beat-

    Key Metrics

    Valuation
    P/E Ratio15.84EV/EBITDA19.30x
    Price/FCF15.51xFCF Yield6.45%
    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
    Beta1.43Avg Volume623.53K
    52-Week High$46.9852-Week Low$21.16

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$30.51
    SMA 20$29.54
    SMA 50$27.05
    SMA 200$28.83
    EMA 10$30.02
    EMA 20$29.36
    EMA 50$27.63
    EMA 200$29.41

    MACD

    Line: 1.03Signal: 1.28Hist: -0.26

    ADX

    ADX: 30.0+DI: 25.7-DI: 23.4

    Aroon & PSAR

    Aroon Up84.0
    Aroon Down28.0
    PSAR$32.03

    Bollinger Bands

    Upper Band$33.67
    Lower Band$25.40
    %B Position2800%(Upper)
    Band Width0.45

    RSI (14-Day)

    Neutral
    51.8

    Momentum Oscillators

    Stoch %K31.3
    Stoch %D49.7
    Williams %R-78.7
    ROC (10d)-2.8%
    Momentum-0.84
    CCI (20d)-19.8
    MFI (14d)45.3

    Volatility Measures

    ATR (14d)$1.31(4.5%)
    StdDev (20d)2.07
    Hist Vol72.2%(High)

    Volume Flow

    VWAP$29.02
    OBV-2.4M
    AD Line-4.5M
    CMF (20d)0.194

    Volume Metrics

    Avg Vol (20d)630.2K
    Vol Ratio1.1x
    VWMA (20d)$29.29

    Pivot Points

    R3$31.53
    R2$30.93
    R1$30.27
    Pivot Point$29.67
    S1$29.02
    S2$28.42
    S3$27.76

    Advanced Oscillators

    TSI20.04
    Ultimate Osc50.7
    KST179.38

    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

    Piper Sandler Downgrades Trupanion, Inc. (TRUP) to Neutral

    Piper Sandler analyst David Westenberg has downgraded Trupanion, Inc. (NASDAQ: TRUP) from an Overweight rating to Neutral. The price target for TRUP has been set at $32.00 following this downgrade. The article indicates this is a premium content piece, requiring a subscription to StreetInsider.com Premium for full access.

    StreetInsider•8/26/26•
    Bearish

    Piper Sandler cuts Trupanion stock rating on macro headwinds

    Piper Sandler downgraded Trupanion (NASDAQ:TRUP) to Neutral from Overweight and lowered its price target, citing concerns about macro headwinds, including a contraction in puppy vet visits and the aging of the COVID pet cohort. Despite maintaining a strong competitive position and reputation, the firm is moving to the sidelines due to challenges in balancing premium growth, member retention, and new-pet acquisition. This downgrade reflects near-term pressures rather than a change in the company's long-term competitive standing.

    Investing.com•8/26/26•
    Somewhat-Bearish

    Trupanion (TRUP) Expands With Home To Home, Is The Stock Still A Bargain?

    Trupanion (TRUP) has partnered with Home To Home to provide pet adopters with education on veterinary costs and immediate medical insurance access, causing a recent surge in its stock price. While the company is considered 14.5% undervalued by some analysts with a fair value of $37.25, its current P/E ratio of 60.2x is significantly higher than the US Insurance industry average, raising questions about its valuation. Investors are encouraged to assess the underlying forecasts and potential risks before making investment decisions.

    Simply Wall Street•8/26/26•
    Somewhat-Bullish

    Trupanion(TRUP) Stock Options Chain | Quotes & News

    The article provides a stock options chain for Trupanion (TRUP). It includes quotes and news related to the company's stock performance and options trading.

    Moomoo•8/22/26•
    Neutral

    Stifel raises Trupanion stock price target on Pets Best exit

    Stifel increased its price target for Trupanion (NASDAQ:TRUP) to $29.00 from $28.00, while maintaining a Hold rating, following Trupanion's announcement to end its partnership with Pets Best by Q3 2028. Pets Best represented a significant portion of Trupanion's 2025 revenue. The adjustment reflects the anticipated decline in revenue from this segment, though the company is expected to remain profitable, and recently surpassed Q2 2026 earnings expectations.

    Investing.com•8/21/26•
    Somewhat-Bullish

    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 15.84.
    What is TRUP's market cap?
    Trupanion Inc (TRUP) has a market capitalization of $1.29B with a current stock price of $29.15.

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