Inside the research
Trupanion, Inc.
TRUP Research profile · latest available data
Price overview
$23.16
▲ +0.74 (+3.3%)
| 52w hi | $44.02 |
|---|---|
| 52w lo | $21.46 |
| Vol | 547.70K |
| As of | 25 Sep 2026 |
The Verdict
Our score -0.11
| Short | +0.05 |
|---|---|
| Medium | -0.19 |
| Long | -0.28 |
computed 2026-09-27
Key fundamentals
Trupanion, Inc.
Financial Services · Insurance - Property & Casualty
| Market cap | $1.01B |
|---|---|
| Enterprise value | $724.51M |
| Trailing P/E | 43.70x |
| Forward P/E | 5.44x |
| EV / EBITDA | 17.78x |
| P / S (ttm) | 0.67x |
| Profit margin | 1.5% |
| Return on equity | 6.1% |
| Revenue growth | +11.1% |
| Earnings growth | -28.9% |
| Debt / equity | 26.10 |
Layer Breakdown
| Layer | Raw | Contribution |
|---|---|---|
| Fundamental | +0.13 | |
| Sector | +0.02 | |
| Technical | -0.20 | |
| Earnings | +0.00 | |
| Sentiment | +0.30 |
macro × 1.00 · 2026-09-27
Business overview
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.
Risk Metrics
| Beta vs SPX | 1.04 |
|---|---|
| Corr SPX | 0.32 |
| Annual vol | 51.4% |
| Annual ret | -17.4% |
| Sharpe | -0.34 |
| Max DD | -62.0% |
Window: 504 trading days (504 obs)
Material Events
| Date | Event | 8-K |
|---|---|---|
| 2026-08-05 | Earnings Release, Other Material Event… | read |
| 2026-06-15 | Shareholder Vote | read |
| 2026-04-30 | Earnings Release, Exhibits | read |
| 2026-04-27 | Officer / Director Change, Reg FD Disclosure | read |
| 2026-02-12 | Earnings Release, Exhibits | read |
| 2025-11-06 | Material Agreement, Termination of Agreement… | read |
| 2025-10-30 | Officer / Director Change, Exhibits | read |
| 2025-08-07 | Earnings Release | read |
| 2025-06-17 | Shareholder Vote | read |
| 2025-05-15 | Other Material Event | read |
| 2025-05-01 | Earnings Release | read |
| 2025-02-19 | Earnings Release, Exhibits | read |
Insider Trades
| Date | Insider | Role | Action | Shares | Value |
|---|---|---|---|---|---|
| 2026-08-11 | Tooth Margaret | CEO | Sell | 978 | $28.41K |
| 2026-07-28 | GALLAGHER JOHN R | Chief Operating Officer | Sell | 431 | $10.81K |
| 2026-06-29 | GALLAGHER JOHN R | Chief Operating Officer | Sell | 431 | $10.93K |
| 2026-06-05 | WEINRAUCH STEVE | EVP, North Am & Vet Strat | Option exercise | 8.50K | $131.41K |
| 2026-06-05 | WEINRAUCH STEVE | EVP, North Am & Vet Strat | Sell | 6.67K | $146.83K |
| 2026-05-28 | GALLAGHER JOHN R | Chief Operating Officer | Sell | 3.60K | $78.15K |
| 2026-05-25 | WHEELER SIMON | EVP, Trupanion Internatio | Withheld for tax | 150 | $3.28K |
| 2026-05-25 | WHEELER SIMON | EVP, Trupanion Internatio | Option exercise | 321 | — |
| 2026-05-25 | Tooth Margaret | CEO | Option exercise | 1.25K | — |
| 2026-05-25 | Tooth Margaret | CEO | Sell | 491 | $10.73K |
Flow & Concentration
| Insider 180d net | -$285.86K |
|---|---|
| Insider buys / sells | 0 / 6 |
| Insider bias | Neutral |
| 13F holders | 8 |
| Top-5 share | 96.1% |
| HHI | 3,769 (concentrated) |
Top Holders
| Holder | Value | Shares |
|---|---|---|
| State Street Corp | $33.83M | 1.37M |
| Fidelity / FMR LLC | $25.77M | 1.04M |
| Capital Research / Capital World | $2.90M | 117.20K |
| Citadel Advisors | $2.82M | 113.86K |
| AQR Capital Management | $1.69M | 68.12K |
| Millennium Management | $1.51M | 61.08K |
| Renaissance Technologies | $1.17M | 47.40K |
| T. Rowe Price Group | $1.21K | 48.78K |
As of 2026-06-30
SEC Filings
The Long Run
FY 2014–2025 · 12 years
| Line | Latest | CAGR | Trend |
|---|---|---|---|
| Revenue | $1.44B | +47.6% | |
| Gross profit | $17.45M | +9.2% | |
| Operating income | -$40.66M | — | |
| Cash from ops | $18.64M | +9.8% |
Indices
Recent Sessions
| Date | Open | High | Low | Close | Vol |
|---|---|---|---|---|---|
| Sep 25 | $22.31 | $23.22 | $22.05 | $23.16 | 547.70K |
| Sep 24 | $22.99 | $23.15 | $22.35 | $22.42 | 464.80K |
| Sep 23 | $23.48 | $23.68 | $22.79 | $22.88 | 371.00K |
| Sep 22 | $25.31 | $25.31 | $23.51 | $23.63 | 515.70K |
| Sep 21 | $25.22 | $25.38 | $24.69 | $25.00 | 242.90K |
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