Trupanion Inc (TRUP)
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This stock currently matches 3 of our scanner strategies — each hit links to the scanner.
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Trading Day
Key levels of the most recently completed trading day — not a live quote.
52-Week Range
Current price 24.50 $ — 10% of the range above the low.
Lowest and highest closing price over the last 52 weeks. The marker shows where the current price sits within that range: close to the high speaks for strength, close to the low for weakness.
Basics
Performance
Technical Indicators
Calculated from the price history · as of 08/03/2026
Valuation
Profitability
Balance Sheet & Safety
Growth
Dividend
This stock currently pays no dividend.
Quality & Screener
AI Rating
–Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available. How the Rating Is Built
Growth Score
7 of 10 Solid growthTen checks against the annual reports — each one passed counts a point.
- Revenue grows by more than 15% a year over three years 16.7% passed
- More than 10% revenue growth is expected for the coming year 8.6% failed
- Share count grows by less than 3% a year 2.2% passed
- Revenue growth plus cash-flow margin add up to at least 40 ("Rule of 40") 17.2% failed
- Gross margin at 40% or higher and without meaningful erosion 28.5% failed
- Goodwill from acquisitions does not grow faster than revenue 4.3% passed
- Net debt below twice EBITDA 259 m net cash passed
- Operating cash flow covers the profits of the last three years 191 m passed
- Return on capital at 15% or higher, or up versus two years ago 4.4% passed
- Insiders hold at least 10% or are net buyers 15.8% passed
A criterion without figures counts neither as passed nor as failed; a score is only produced from 7 judgeable criteria upwards. Source: fundamental data. All ten criteria in detail
Highlighted are things our editorial team noticed: green = stands out as strong, red = deserves a closer look. No single metric is a verdict on its own — always read it in context.
Analysts & Price Target
The price target sits 52.0% above the current price.
- Consensus
- Sell
- Analyst Ratings
- 6
Combined picture of the price targets and recommendations of every analyst covering the stock. Price targets are expectations for the next 12 months, not promises — and they often follow the price rather than predict it.
Estimates by Fiscal Year
| Fiscal Year | EPS Estimate ($) | EPS Range ($) | Revenue Estimate ($M) | Expected Growth | Analysts |
|---|---|---|---|---|---|
| 12/31/2026 | 3.92 | 3.92 – 3.92 | 1,579 | 42.3% | 1 |
| 12/31/2027 | 4.31 | 4.31 – 4.31 | 1,715 | 10.0% | 1 |
Average of the analyst estimates for the coming fiscal years. The range shows how far the most optimistic and the most cautious estimate sit apart — the wider it is, the less certain the expectation.
Next Reporting Date
- Expected Earnings per Share
- 0.11 $
Expected date of the next quarterly or annual figures. Dates do shift occasionally — only the invitation issued by the company is binding.
Revenue & Profit
Cash Flow
Balance Sheet
Margins
Per Share
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· Total · per year
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The figures could not be loaded right now.
Source: fundamental data
Quarterly Figures
| Quarter | EPS (Earnings Per Share) | EPS YoY (%) | Sales ($M) | Sales YoY (%) | Net Margin (%) | OCF ($M) | FCF ($M) |
|---|---|---|---|---|---|---|---|
| 2024: Q4 | 0.04 | – | 337 | 14.00 | 0.50 | 24 | 22 |
| 2025: Q1 | -0.03 | – | 342 | 11.70 | -0.40 | 16 | 14 |
| 2025: Q2 | 0.22 | – | 354 | 12.30 | 2.70 | 15 | 12 |
| 2025: Q3 | 0.13 | 305.10 | 367 | 12.10 | 1.60 | 29 | 24 |
| 2025: Q4 | 0.13 | 229.00 | 377 | 11.70 | 1.50 | 29 | 25 |
| 2026: Q1 | 0.11 | – | 384 | 12.30 | 1.30 | 15 | 14 |
- EPS (Earnings Per Share):
- Quarterly profit divided by the total share count — how much of the profit works out to a single share.
- YoY (Year over Year):
- Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
- Sales:
- All revenue for the quarter, before any costs are deducted — the top line of the income statement.
- Net Margin:
- What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
- OCF (Operating Cash Flow):
- The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
- FCF (Free Cash Flow):
- Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.
Annual Figures
| Fiscal Year | Revenue ($M) | EBIT ($M) | Net Income ($M) | EPS ($) | Operating Cash Flow ($M) | Equity ($M) | Total Assets ($M) |
|---|---|---|---|---|---|---|---|
| 2016 | 188 | -7 | -7 | -0.24 | 5 | 45 | 82 |
| 2017 | 243 | -3 | -2 | -0.05 | 10 | 48 | 106 |
| 2018 | 304 | -1 | -1 | -0.03 | 13 | 129 | 208 |
| 2019 | 384 | -2 | -2 | -0.05 | 16 | 137 | 257 |
| 2020 | 502 | -5 | -6 | -0.16 | 22 | 340 | 498 |
| 2021 | 699 | -35 | -36 | -0.89 | 7 | 332 | 563 |
| 2022 | 905 | -43 | -45 | -1.10 | -8 | 305 | 672 |
| 2023 | 1,109 | -41 | -45 | -1.08 | 19 | 304 | 783 |
| 2024 | 1,286 | -10 | -10 | -0.23 | 48 | 323 | 807 |
| 2025 | 1,439 | 22 | 19 | 0.45 | 89 | 384 | 915 |
Fiscal years from the audited annual reports, oldest first. EBIT is the operating profit before interest and taxes; total assets are everything the company owns.
About the Company
| Employees | 1,121 |
|---|---|
| Headquarters | Seattle, WA |
| Address | 6100 4th Avenue South, 98108 Seattle, United States |
| Phone | 855 727 9079 |
| Website | trupanion.com |
| IPO Date | 18. Jul 2014 |
| ISIN | US8982021060 |
Management
| Name | Title | Birth Year |
|---|---|---|
| Darryl Graham Andrew Rawlings | Founder & Chair of the Board | 1969 |
| Margaret Rosemary Maria Tooth | President, CEO & Director | 1979 |
| Fawwad Qureshi | Chief Financial Officer | 1974 |
| John Gallagher | Chief Operating Officer | 1987 |
| Steve Weinrauch BVMS, MRCVS | Chief Veterinary & Product Officer | 1975 |
| Emily Dreyer | Chief Revenue Officer | 1988 |
| Jamie C. Adams | Chief Information Officer | – |
| Brenna McGibney | Chief Administrative Officer | 1969 |
| Gil Melchior | Director of Investor Relations | – |
| Asher Benjamin Bearman J.D. | Chief Legal Officer | 1978 |
Executives per the latest required filings; titles kept in their original language. Source: fundamental data.
Insider Transactions
| Date | Person | Role | Type | Shares | Price | Value |
|---|---|---|---|---|---|---|
| 28. Jul 2026 | Gallagher John R | Chief Operating Officer | Sell | 431 | 25.08 | 10,809 |
Reportable transactions by officers and major shareholders from SEC Form 4 filings. "Other" includes things like stock grants and option exercises without a buy/sell character.
View all insider transactions →Chart
Interactive price chart (TradingView).
Data as of: July 31, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)
Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.