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TRUP stock logo

TRUP

Trupanion, Inc.

$29.92
-0.27
 (-0.89%)
Exchange:  NASDAQ
Market Cap:  1.305B
Shares Outstanding:  18.37M
Delayed data
Calculate TRUP Intrinsic Value
5-year outlook →
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Insurance – Property & Casualty
   
CEO:  Margaret Rosemary Maria Tooth
Full Time Employees:  1121
Address: 
6100 4th Avenue South
Seattle
WA
98108
US
Website:  https://www.trupanion.com
Trupanion, Inc. provides monthly subscription-based medical insurance for canine and feline companions across the United States, Canada, Puerto Rico, and Australia. The company’s operations are divided into two main categories: Subscription Business and Other Business, serving both pet owners and veterinary professionals. Founded in 2000, the Seattle, Washington-headquartered firm was previously known as Vetinsurance International, Inc., before adopting the Trupanion, Inc. name in 2013.

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Revenue Segmentation

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EPS

Historical EPS and analyst estimates in one chart. Log in for the full interactive view and links to detailed estimates.

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View full analyst estimates

Earnings Call

Full text

Earnings transcript

Read the complete earnings call transcript.

AI summary

Key takeaways

Short, structured highlights from the call so you can focus on what matters.

2026/04/30 — Q1 quarter 2026

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue1,108,6051,285,6841,439,305
Gross Profit131,016178,798410,330
EBITDA-20,48421,32651,589
Operating Income-40,659-9,51421,994
Net Income-44,693-9,63319,433

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets782,948806,853915,044
Total Liabilities479,226483,585531,107.999
Total Stockholders Equity303,722323,268383,936
Total Debt128,930128,887111,784
Cash and Cash Equivalents147,501160,295138,024

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(* All numbers are in thousands)

Cash Flow Statement

Year202320242025
Operating Cash Flow18,63848,28789,488
Capital Expenditure-18,280-9,716-14,129
Free Cash Flow35838,57175,359
Net Income-44,693-9,63319,433
Net Change in Cash85,82729,066-22,271

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2028Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (Low)1,808,199.997Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (High)1,939,999.996Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (Avg)1,877,066.667Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (Low)220,192.036Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (High)236,241.871Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (Avg)228,578.217Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (Low)19,198.127Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (High)45,813.386Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (Avg)32,505.757Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (Low)110,518.285Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (High)118,573.981Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (Avg)114,727.458Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (Avg)0.690Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (High)1.050Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (Low)0.440Research AccessResearch AccessResearch AccessResearch Access
Number of Analysts (Estimated Revenue)3Research AccessResearch AccessResearch AccessResearch Access
Number of Analysts (Estimated EPS)3Research AccessResearch AccessResearch AccessResearch Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
1.286B  ?P/S
 (TTM)
: 
0.89
?Net Income
 (TTM)
: 
-9633000  ?P/E
 (TTM)
: 
58.68
?Enterprise Value
 (TTM)
: 
1.314B  ?EV/FCF
 (TTM)
: 
15.99
?Dividend Yield
 (TTM)
: 
0%  ?Payout Ratio
 (TTM)
: 
0%
?ROE
 (TTM)
: 
5.96%  ?ROIC
 (TTM)
: 
4.29%
?Net Debt
 (TTM)
: 
-31408000  ?Debt/Equity
 (TTM)
: 
0.26
?P/B
 (TTM)
: 
3.32  ?Current Ratio
 (TTM)
: 
1.77

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Research Access for high/low estimates and the interactive table.

Forward P/E 1YResearch AccessResearch AccessResearch AccessResearch Access
47.49Research AccessResearch AccessResearch AccessResearch Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

Based on current fundamentals and analyst forecasts, MARKETSnap estimates TRUP intrinsic value between $12.32 – $13.46 per share. This depends on revenue growth, margins, and discount rate.

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.

[intrinsic_calculator]

Common questions about TRUP valuation

Is Trupanion, Inc. (TRUP) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for Trupanion, Inc. (TRUP) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is TRUP a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether TRUP trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is TRUP’s P/E ratio?

You can see TRUP’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for TRUP?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is TRUP a good long-term investment?

Whether TRUP fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

TRUP

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

-0.89
MARKETSnap

Trading Metrics:

Open: 29.96   Previous Close: 30.19
Day Low: 29.45   Day High: 30.63
Year Low: 21.16   Year High: 46.98
Price Avg 50: 26.71   Price Avg 200: 28.97
Volume: 230552   Average Volume: 427784

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See in Nexus

Relevant news

Trupanion: Profitable At Last, But Still Too Expensive To Buy (Upgrade)
14-08-2026 05:12
Trupanion: Profitable At Last, But Still Too Expensive To Buy (Upgrade)
Should You Buy, Sell or Hold Trupanion Stock Post Q2 Earnings?
07-08-2026 14:41
Should You Buy, Sell or Hold Trupanion Stock Post Q2 Earnings?
Trupanion, Inc. (TRUP) Q2 2026 Earnings Call Transcript
06-08-2026 03:20
Trupanion, Inc. (TRUP) Q2 2026 Earnings Call Transcript
Why Fast-paced Mover Trupanion (TRUP) Is a Great Choice for Value Investors
22-07-2026 09:56
Why Fast-paced Mover Trupanion (TRUP) Is a Great Choice for Value Investors
Trupanion Announces Second Quarter 2026 Earnings Release and Conference Call
16-07-2026 16:15
Trupanion Announces Second Quarter 2026 Earnings Release and Conference Call
Trupanion (TRUP) Moves 5.8% Higher: Will This Strength Last?
29-06-2026 10:01
Trupanion (TRUP) Moves 5.8% Higher: Will This Strength Last?

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