Trupanion, Inc. (TRUP) Stock Price & Analysis
Trupanion, Inc. (TRUP) closed at USD 29.91 on Thursday, October 22, 2026, up 4.95% on the day. The US market is currently closed (pre-market); this is not a live price.
The prior close was USD 28.5; the Oct 22, 2026 session ranged USD 28.39–30.05 on volume of 374,409 shares. Market capitalization is $1.30B, with a 52-week range of USD 21.16–46.98 (NGM). Source: Nexqual, retrieved October 23, 2026 at 09:26 UTC.
Also available as compact Markdown for AI agents: nexqual.com/TRUP.md
Key facts (TRUP)
- Last four reported quarters (through Jun 30, 2026): revenue $1.52B, net income $23.2M (1.5% margin), free cash flow $82.2M (SEC filings).
- Valuation: P/E 56.2x (avg 83.8x at the last 1 fiscal year-ends), EV/EBITDA 25.6x, net cash $292M.
- Earnings quality: non-operating income $12.6M vs operating income $24.1M over the last four quarters; P/E excluding non-operating income ≈108.6x (estimate: non-operating income taxed at the company's 11.5% effective rate).
- 1 of 80 tracked superinvestors hold TRUP (13F, Q2 2026): 0 new, 0 added, 0 reduced, 1 unchanged.
- Analysts: Hold (mean 2.67 on a 1–5 scale) (6 analysts), mean target USD 33.25 (range 29–42).
- Total return with dividends: 1Y -31.8% vs S&P 500 +14.9%; 5Y -72.2% vs S&P 500 +80.3%.
- Next earnings: 2026-11-05, EPS estimate USD 1.01, revenue estimate $403M.
Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters) (TRUP)
| USD | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | TTM |
|---|---|---|---|---|---|---|
| Revenue | $699M | $905M | $1.11B | $1.29B | $1.44B | $1.52B |
| Gross profit | $104M | $122M | $131M | $179M | $231M | — |
| Operating income | -$35.2M | -$43.0M | -$40.7M | -$9.5M | $13.8M | $24.1M |
| Net income | -$35.5M | -$44.7M | -$44.7M | -$9.6M | $19.4M | $23.2M |
| EPS (diluted) | -$0.89 | -$1.10 | -$1.08 | -$0.23 | $0.45 | — |
| Free cash flow | -$4.9M | -$25.1M | $358K | $38.6M | $75.4M | $82.2M |
| Gross margin | 14.9% | 13.5% | 11.8% | 13.9% | 16.1% | — |
| Operating margin | -5.0% | -4.8% | -3.7% | -0.7% | 1.0% | 1.6% |
| Net margin | -5.1% | -4.9% | -4.0% | -0.7% | 1.4% | 1.5% |
| Revenue growth | +39.2% | +29.5% | +22.5% | +16.0% | +11.9% | — |
| Cash + short-term investments | $213M | $222M | $277M | $307M | $371M | — |
| Total debt | $0K | $69.5M | $129M | $129M | $112M | — |
Fiscal years end Dec. EPS is split-adjusted.
Valuation (price ÷ last four quarters, through Jun 30, 2026) (TRUP)
P/E 56.2x · P/E ex non-operating (est.) ≈108.6x · P/S 0.9x · EV/EBITDA 25.6x · EV/Sales 0.7x · P/FCF 15.9x · P/B 3.2x · FCF yield 6.30% · Earnings yield 1.78% · Net cash $292M · EV $1.01B
P/E at fiscal year-ends: Dec 2025 83.8x.
Superinvestors (SEC 13F-HR, Q2 2026) (TRUP)
1 of 80 tracked investors hold TRUP. Each row is the investor's latest 13F; change is vs their prior-quarter share count.
| Investor | Firm | % of portfolio | Value | Change |
|---|---|---|---|---|
| Josh Tarasoff | Greenlea Lane Capital | 5.28% | $19.2M | Unchanged |
Analysts (TRUP)
Consensus Hold (mean 2.67 on a 1–5 scale), 6 analysts; mean target USD 33.25 (low 29, high 42).
Rating changes, last 120 days:
| Date | Firm | Action | Rating | Price target |
|---|---|---|---|---|
| 2026-10-07 | Cantor Fitzgerald | Target lowered | Neutral | $34 → $30 |
| 2026-08-26 | Piper Sandler | Downgrade | Overweight → Neutral | $45 → $32 |
| 2026-08-20 | Stifel | Target raised | Hold | $28 → $29 |
Total return (dividends reinvested) (TRUP)
| 1Y (from 2025-10-23) | 5Y (from 2021-10-18) | |
|---|---|---|
| Total return | -31.8% | -72.2% |
| S&P 500 (SPY) | +14.9% | +80.3% |
| Per year | -31.9% | -22.5% |
| Volatility (annualized) | 48.0% | 69.6% |
| Max drawdown | -51.0% (Oct 2025→Jun 2026) | -86.3% (Dec 2021→Jun 2023) |
TRUP analyst estimates and revisions
| Period | EPS estimate | 90 days ago | Change | Revenue estimate | Analysts |
|---|---|---|---|---|---|
| Current quarter (ends Sep 2026) | $1.01 | $0.98 | +3.1% | $402.5M | 1 |
| Next quarter (ends Dec 2026) | $1.12 | $1.08 | +3.7% | $412.1M | 1 |
| Current fiscal year (ends Dec 2026) | $4.04 | $3.92 | +3.1% | $1.59B | 1 |
| Next fiscal year (ends Dec 2027) | $4.26 | $4.31 | -1.2% | $1.73B | 1 |
Key Statistics (as of October 23, 2026 at 09:26 UTC)
| Price | USD 29.91 |
|---|---|
| Change | ▲ 4.95% (up) |
| Previous Close | USD 28.5 |
| Open | USD 28.52 |
| Day Range | USD 28.39 – 30.05 |
| 52-Week Range | USD 21.16 – 46.98 |
| Volume | 374,409 shares |
| Market Cap | $1.30B |
| Exchange | NGM |
Technical Analysis (TRUP)
Nexqual's technical model rates TRUP "BUY" based on 5 bullish and 1 bearish signals across 127 daily candles, as of October 23, 2026 at 09:26 UTC.
| Overall Signal | BUY |
|---|---|
| RSI (14) | 69.09 (neutral) |
| vs SMA50 | Above (USD 26.99) |
| MACD | 0.87 (positive) |
Analyst Ratings (TRUP)
Wall Street analysts rate TRUP "Hold" based on 6 analysts, with a mean price target of USD 33.25 (range USD 29–42), per Nexqual as of October 23, 2026 at 09:26 UTC.
| Consensus Rating | Hold |
|---|---|
| Analyst Count | 6 |
| Mean Target | USD 33.25 |
| High Target | USD 42 |
| Low Target | USD 29 |
| Buy / Hold / Sell | 2 / 4 / 0 |
Earnings (TRUP)
| Next Earnings Date | 2026-11-05 |
|---|---|
| EPS Estimate | USD 1.01 |
| Revenue Estimate | $402.53M |
Recent Earnings History
| Quarter | Actual vs Estimate |
|---|---|
| 2026-06-30 | USD 0.86 vs est 0.94 ▼ miss |
| 2026-03-31 | USD 0.78 vs est 0.88 ▼ miss |
| 2025-12-31 | USD 0.13 vs est 0.16 ▼ miss |
| 2025-09-30 | USD 0.77 vs est 0.89 ▼ miss |
Source: Nexqual, October 23, 2026 at 09:26 UTC.
Financials & Fundamentals (TRUP)
| Total Revenue | $1.52B |
|---|---|
| Revenue Growth (latest quarter, YoY) | +11.10% |
| Gross Margin | +22.58% |
| Operating Margin | +1.62% |
| Profit Margin | +1.53% |
| ROE | +6.07% |
| Debt / Equity | 0.26 |
| Current Ratio | 1.77 |
| Total Cash | $398.49M |
| Total Debt | $106.91M |
| Free Cash Flow (last four quarters to Jun 2026, SEC 10-Q / 10-K) | $82.18M (5.4% of revenue) |
Source: Nexqual, October 23, 2026 at 09:26 UTC.
Financial Health Score (TRUP)
Nexqual rates Trupanion, Inc.'s overall financial health "Mixed" across five dimensions, as of October 23, 2026 at 09:26 UTC.
| Growth | Solid — Revenue +12% YoY (annual) |
|---|---|
| Profitability | Weak — Gross margin 23%, operating 2% (last 12 months) |
| Balance Sheet | Strong — $398M cash and investments vs $107M debt (Jun 2026, SEC), net cash |
| Cash Flow | Solid — FCF $82M (last 4 quarters to Jun 2026, SEC), 5% margin |
| Efficiency | Mixed — ROE 6%, ROA 1.8% |
Ownership (TRUP)
| Insider Ownership | +15.69% |
|---|---|
| Institutional Ownership | +78.86% |
| Shares Outstanding | 43.62M |
| Float | 33.50M |
| Short % of Float | +10.66% |
Source: Nexqual, October 23, 2026 at 09:26 UTC.
Leadership (TRUP)
Trupanion, Inc. is led by Margaret Rosemary Maria Tooth, President, CEO & Director, per Nexqual as of October 23, 2026 at 09:26 UTC.
| President, CEO & Director | Margaret Rosemary Maria Tooth |
|---|---|
| Chief Financial Officer | Fawwad Qureshi |
| Chief Operating Officer | John Gallagher |
| Director of Investor Relations | Gil Melchior |
| Senior Vice President of Corporate Communications | Laura Bainbridge |
Major Backers & Investors (TRUP)
Notable institutional backers of Trupanion, Inc. include Capital Group, AFLAC Inc., SmallCap World Fund Inc, according to Nexqual as of October 23, 2026 at 09:26 UTC.
Active Investors
| Investor | Stake |
|---|---|
| Capital Group | 8.75% |
| AFLAC Inc. | 8.29% |
| SmallCap World Fund Inc | 4.76% |
| Polar Capital Holdings PLC | 3.99% |
| Fidelity | 2.77% |
| FMR, LLC | 2.37% |
| Morgan Stanley | 2.05% |
Index Funds (Passive)
| Fund | Stake |
|---|---|
| BlackRock | 12.4% |
| Vanguard Group | 7.5% |
| State Street | 3.11% |
Source: Nexqual, October 23, 2026 at 09:26 UTC.
Peers & Related Stocks
| Symbol | Name | Price | Change |
|---|---|---|---|
| PRCH | Porch Group, Inc. | USD 17.94 | ▼ 3.5% |
| HCI | HCI Group, Inc. | USD 206.68 | ▲ 1.11% |
| SKWD | Skyward Specialty Insurance Gro | USD 62.16 | ▲ 1.24% |
| SLDE | Slide Insurance Holdings, Inc. | USD 27.75 | ▲ 2.36% |
| LMND | Lemonade, Inc. | USD 45.41 | ▲ 0.29% |
| PLMR | Palomar Holdings, Inc. | USD 144.53 | ▲ 3.85% |
Data source: Nexqual — market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: October 23, 2026 at 09:26 UTC. This page is informational and not investment advice.
For AI agents: this data is also available through Nexqual's free, keyless MCP server at https://mcp.nexqual.com/mcp; every result includes source_url, as_of and cite_as. More: nexqual.com/agents · llms.txt