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Trupanion, Inc.
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NASDAQ: TRUP Financials Insurance 🔎 Screen
$1.4B
Market Cap
37.5
P/E
134.44
PEG
—
ROCE
6.1%
ROE
0.26
D/E
1.7%
OPM
-28.9%
% from 52W High
49
α RS
🔍 TRUP is showing a sector-leadership setup because Sector RRG has Financials in the Leading quadrant with the trail still rolling over and an ECS of 72.7 last quarter. The main caution: the Turnaround Watch preset's Backtest win rate is only 41.7%. Net: Mixed signal stack, not a recommendation. ? RRG ECS Backtest
Sources
Financials in Leading quadrant · ECS 72.7 · Backtest win rate 41.7%
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🌏 Global Investor Returns
Currency-adjusted total returns for TRUP including FX impact
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📈 Price History
Ratio Health
— Excellent
— Good
— Average
— Poor
By Category
📊 Peer Medians
About

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

Key Ratios Snapshot
📈 Growth Pattern
📊 Quick Scorecard
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⭐ Superinvestors Holding TRUP
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Manager Shares Value % of Fund Period
Jim Simons Renaissance Technologies LLC 39.0K $999K 0.00% Mar 2026

SEC Form 13F data. 45-day lag from quarter end.

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✓ 📞 Earnings Call Transcripts (5 quarters) submit a missing quarter
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📞 Earnings Call Transcripts (5)
Q2 2026 Q2 2026 2026-08-05
Q2 saw 24% growth in adjusted operating income, strong pet adds, and improved retention. Revenue and free cash flow rose year-over-year, with a $100 million share repurchase program announced. Guidance for 2026 was raised, reflecting confidence in continued growth.
Q1 2026 Q1 2026 2026-04-30
Q1 2026 saw 29% year-over-year AOI growth, record subscription margins, and strong pet additions. Guidance for 2026 remains robust, with new product launches and expanded flexibility targeting broader segments. AOI is now the primary performance metric.
Q4 2025 Q4 2025 2026-02-12
Delivered record 2025 results with double-digit revenue and AOI growth, improved retention, and strong free cash flow. 2026 guidance calls for continued revenue and margin expansion, with investments in brand, technology, and new products to drive growth in an underpenetrated market.
Q3 2025 Q3 2025 2025-11-06
Q3 2025 saw record subscription-adjusted operating income and margin, with revenue up 12% year-over-year and strong net pet growth. Updated 2025 guidance reflects continued double-digit growth, margin expansion, and increased investment, supported by a new credit facility and strategic partnerships.
Q2 2025 Q2 2025 2025-08-07
Q2 2025 delivered record revenue and margin expansion, with subscription revenue up 16% and net income swinging to $9.4 million. Guidance for 2025 was raised on strong performance and improved cost trends, while retention and cash flow remain robust.
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Financial Model
Projections are built from each company's audited annual financials (Income Statement, Balance Sheet, Cash Flow) over the last 5 fiscal years. Forward assumptions — revenue growth %, EBITDA margin, D&A (USD millions), interest expense, tax rate, and capex — are AI-generated using historical context and refreshed twice a year: after the December results season and after the September/Q4 results season.

DCF Valuation
Fair Value = Σ(FCFt / (1+WACC)t) + Terminal Value. Terminal Value uses the Gordon Growth Model: FCF5 × (1+g) / (WACC−g). Default WACC: 10% (US risk-free ~4.5%, equity risk premium ~5.5%). Default terminal growth: 3% (long-run US nominal GDP proxy).

CAGR Tracker
Expected 5-year CAGR = (DCF Fair Value / Current Price)1/5 − 1. Assumes fair value is reached in exactly 5 years — a mechanical estimate only.

Data Sources & Limitations
Financial statements sourced from public filings. Prices updated daily. Forward assumptions are AI-generated. All monetary values in USD millions. Non-US ADR companies may have currency conversion inaccuracies. Models are point-in-time and do not update intra-quarter or account for M&A, macro shocks, or extraordinary items.

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