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Trupanion, Inc. logo

Trupanion, Inc.

TRUP

NASDAQFinancial ServicesInsurance - Property & Casualty

Open in GoAI

Previous close

$31.10

+$0.42 · +1.37%

Aug 21, 4:00 PM ET

Pre-market

$30.47

−$0.63 · -2.03%

Aug 24, 4:00 AM ET

TRUP company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Hold

Wait — insufficient conviction to act

Valuation

60

Fair Value

Momentum

37

Weakening

Sentiment

64

Bullish

Risk resilience

42

Elevated Risk

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AI-generated, informational only, and not investment advice.

Company profile

Industry
Insurance - Property & Casualty
Sector
Financial Services
Headquarters
US

Market position

Day range

Current $31.10

52-week range

Current $31.10

Open
$30.50
Previous close
$30.68
Volume
327.41K
Market cap
1.36B USD
50-day average
$26.2522
+18.47% above average
200-day average
$29.1209
+6.80% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

P/E (TTM)
58.68×
P/B (TTM)
3.32×
P/S (TTM)
0.89×
Dividend yield
0.00%

Profitability & efficiency

Gross margin
22.48%
Operating margin
1.61%
Net margin
1.53%

Financial health

Debt / equity
0.26×
Altman Z-score
3.44
Piotroski F-score
8 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends32%18%5%-8%Gross margin, FY2021: 14.93%Gross margin, FY2022: 13.50%Gross margin, FY2023: 11.82%Gross margin, FY2024: 13.91%Gross margin, FY2025: 28.51%Operating margin, FY2021: -5.04%Operating margin, FY2022: -4.75%Operating margin, FY2023: -3.67%Operating margin, FY2024: -0.74%Operating margin, FY2025: 1.53%Net margin, FY2021: -5.08%Net margin, FY2022: -4.94%Net margin, FY2023: -4.03%Net margin, FY2024: -0.75%Net margin, FY2025: 1.35%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 14.93%. Gross margin FY2022 13.50%. Gross margin FY2023 11.82%. Gross margin FY2024 13.91%. Gross margin FY2025 28.51%. Operating margin FY2021 -5.04%. Operating margin FY2022 -4.75%. Operating margin FY2023 -3.67%. Operating margin FY2024 -0.74%. Operating margin FY2025 1.53%. Net margin FY2021 -5.08%. Net margin FY2022 -4.94%. Net margin FY2023 -4.03%. Net margin FY2024 -0.75%. Net margin FY2025 1.35%.

Income trends

Revenue

1.44B USD+11.95%

Operating income

21.99M USD+31.51M USD

Net income

19.43M USD+29.07M USD
Income trends across reported periods1.59B USD994.11M USD400.51M USD−193.09M USDRevenue, FY2021: 698.99M USDRevenue, FY2022: 905.18M USDRevenue, FY2023: 1.11B USDRevenue, FY2024: 1.29B USDRevenue, FY2025: 1.44B USDOperating income, FY2021: −35.2M USDOperating income, FY2022: −43M USDOperating income, FY2023: −40.66M USDOperating income, FY2024: −9.51M USDOperating income, FY2025: 21.99M USDNet income, FY2021: −35.53M USDNet income, FY2022: −44.67M USDNet income, FY2023: −44.69M USDNet income, FY2024: −9.63M USDNet income, FY2025: 19.43M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 698.99M USD. Revenue FY2022 905.18M USD. Revenue FY2023 1.11B USD. Revenue FY2024 1.29B USD. Revenue FY2025 1.44B USD. Operating income FY2021 −35.2M USD. Operating income FY2022 −43M USD. Operating income FY2023 −40.66M USD. Operating income FY2024 −9.51M USD. Operating income FY2025 21.99M USD. Net income FY2021 −35.53M USD. Net income FY2022 −44.67M USD. Net income FY2023 −44.69M USD. Net income FY2024 −9.63M USD. Net income FY2025 19.43M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue1.44B USD1.29B USD1.11B USD905.18M USD698.99M USD
Cost of goods sold1.03B USD1.11B USD977.59M USD782.99M USD594.65M USD
Gross profit410.33M USD178.8M USD131.02M USD122.19M USD104.35M USD
Research and development37.85M USD31.26M USD21.4M USD25.13M USD16.87M USD
Selling, general, and administrative162.06M USD63.73M USD60.21M USD39.38M USD31.89M USD
Operating expenses388.34M USD188.31M USD171.68M USD165.19M USD139.54M USD
Interest income—12.4M USD9M USD3M USD—
Interest expense13.76M USD14.5M USD12.08M USD4.27M USD10K USD
Depreciation and amortization15.84M USD16.47M USD12.47M USD10.92M USD11.97M USD
Operating income21.99M USD−9.51M USD−40.66M USD−43M USD−35.2M USD
Net income19.43M USD−9.63M USD−44.69M USD−44.67M USD−35.53M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
73%
8 beats, 3 misses, 0 met estimates
Average EPS surprise
+98.76%
11 comparable reports
Latest EPS result
0.16
Estimate 0.11 · Beat by 41.22%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates0.960.60.25-0.11Q1 '25MissQ2 '25BeatQ3 '25BeatQ4 '25MissQ1 '26MissQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Feb 19, 2025: actual 0.04, estimate 0.06, surprise -33.33%, Miss. Q2 2025, reported May 1, 2025: actual -0.03, estimate -0.04, surprise +25.00%, Beat. Q3 2025, reported Aug 7, 2025: actual 0.22, estimate -0.03, surprise +833.33%, Beat. Q4 2025, reported Nov 6, 2025: actual 0.13, estimate 0.89, surprise -85.39%, Miss. Q1 2026, reported Feb 12, 2026: actual 0.13, estimate 0.14, surprise -7.14%, Miss. Q2 2026, reported Apr 30, 2026: actual 0.11, estimate 0.07, surprise +57.14%, Beat. Q3 2026, reported Aug 5, 2026: actual 0.16, estimate 0.113, surprise +41.22%, Beat. Q4 2026, reported Nov 5, 2026: actual —, estimate 0.16, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates418.63M385.52M352.41M319.31MQ1 '25BeatQ2 '25MissQ3 '25BeatQ4 '25BeatQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Feb 19, 2025: actual 337.31M USD, estimate 335.41M USD, surprise +0.57%, Beat. Q2 2025, reported May 1, 2025: actual 341.98M USD, estimate 346.42M USD, surprise -1.28%, Miss. Q3 2025, reported Aug 7, 2025: actual 353.56M USD, estimate 346.67M USD, surprise +1.99%, Beat. Q4 2025, reported Nov 6, 2025: actual 366.92M USD, estimate 361.58M USD, surprise +1.48%, Beat. Q1 2026, reported Feb 12, 2026: actual 376.85M USD, estimate 375.52M USD, surprise +0.36%, Beat. Q2 2026, reported Apr 30, 2026: actual 384.05M USD, estimate 379.77M USD, surprise +1.13%, Beat. Q3 2026, reported Aug 5, 2026: actual 392.9M USD, estimate 389.72M USD, surprise +0.82%, Beat. Q4 2026, reported Nov 5, 2026: actual —, estimate 402.53M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Rating distribution

15 ratings
Strong buy00%
Buy960%
Hold640%
Sell00%
Strong sell00%

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ETFs holding TRUP

Funds reporting this stock among their holdings, ordered by reported position size.

iShares Core S&P Small-Cap ETF logoiShares Core S&P Small-Cap ETFIJR
Market value
62.12M
Weight
0.06%
AUM
111.19B USD
Expense ratio
0.06%
Price / 1D
$147.31+0.64%
iShares Russell 2000 ETF logoiShares Russell 2000 ETFIWM
Market value
27.62M
Weight
0.03%
AUM
81.62B USD
Expense ratio
0.19%
Price / 1D
$299.96+0.77%
Vanguard Morningstar Total Stock Market ETF logoVanguard Morningstar Total Stock Market ETFVTI
Market value
25.45M
Weight
0.00%
AUM
2.3T USD
Expense ratio
0.03%
Price / 1D
$378.24+0.44%
Vanguard Morningstar Small-Cap ETF logoVanguard Morningstar Small-Cap ETFVB
Market value
18.37M
Weight
0.01%
AUM
183.4B USD
Expense ratio
0.03%
Price / 1D
$304.76+0.64%
Fidelity Enhanced Small Cap ETF logoFidelity Enhanced Small Cap ETFFESM
Market value
11.36M
Weight
0.18%
AUM
6.03B USD
Expense ratio
0.28%
Price / 1D
$47.94+0.80%
Vanguard Morningstar Small-Cap Growth ETF logoVanguard Morningstar Small-Cap Growth ETFVBK
Market value
10.78M
Weight
0.02%
AUM
43.8B USD
Expense ratio
0.05%
Price / 1D
$358.65+0.70%
iShares Russell 2000 Growth ETF logoiShares Russell 2000 Growth ETFIWO
Market value
9.78M
Weight
0.07%
AUM
15.16B USD
Expense ratio
0.24%
Price / 1D
$387.37+1.24%
State Street SPDR Portfolio S&P 600 Small Cap ETF logoState Street SPDR Portfolio S&P 600 Small Cap ETFSPSM
Market value
9.75M
Weight
0.06%
AUM
17.03B USD
Expense ratio
0.03%
Price / 1D
$57.28+0.61%

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