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Trupanion, Inc.
TRUP
NASDAQ·Financial Services·Insurance - Specialty·Mkt cap $1.1B
$26.91
▲ +2.91%
View full research view
Our plain-language verdict, the thesis, risk factors, and what is changing about the business.
View research view52-Week Range
$21.16 - $57.00
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Down 49.7% over the trailing year
Total returns
Price performance
Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.
Why we rate it this way
The thesis at a glance
Bull and bear case · plain-English context across the five lenses we evaluate.
Bull Case
5 reasons
- Direct veterinary partnerships enabling seamless claim processing
- Transparent, straightforward policy terms with no claim limits or benefit caps
- Established brand recognition in the specialized pet insurance market
- Recurring subscription revenue model providing predictable cash flows
- Multi-geographic presence across US, Canada, Puerto Rico, and Australia
Bear Case
2 risks
- Average volatility.
- Extreme premium - high expectations embedded
Growth
Stable outlook
Rising pet ownership rates and increased spending on pet healthcare
Value
Extreme premium - high expectations embedded
Momentum
Stable
+1.9% over 3m
Quality
Stable
Strong fundamentals
Dividend
None
No dividend
Smart-money signal
Who's buying TRUP right now
Insider Form 4s, 13F institutional filings, and Congressional disclosures - at a glance.
Earnings track record
Latest print - beat on both lines
AI-summarized recap of last quarter, plus the surprise on every print.
Next: Apr 29, 2026
APR 30, 2026
Reported EPS of $0.11 vs $0.07 consensus (+57.1% surprise). Revenue of $384.0M vs $379.8M expected (+1.1%). Beat on both top and bottom lines.
EPS surprise · last 4Q
1 of 1 beats
Q2 26
+57.1%
Next: Apr 29, 2026
Revenue trend · last 8Q
—
—
+14%
+12%
+12%
+13%
+13%
+12%
Q2 24
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
$311.1M
$323.6M
$333.9M
$342.0M
$353.6M
$366.9M
$376.9M
$384.0M
Margins · last 8Q
Gross
—
Operating
—
Profit
1.3%
Wall Street consensus
4 analysts · 50% Buy
Live ratings and price targets aggregated across covering analysts.
Buy
50%
Hold
50%
Sell
0%
Median Price Target
$34.00
▲ +26.3% vs $26.91
Latest: Bank of America · Apr 14, 2026
1 analyst covering