Trupanion, Inc.
General ticker "TRUP" information:
- Sector: Financials
- Industry: Insurance - Specialty
- Capitalization: $1.4B (TTM average)
Trupanion, Inc. does not follow the US Stock Market performance with the rate: -24.8%.
Estimated limits based on current volatility of 1.9%: low 27.16$, high 28.19$
Factors to consider:
- Total employees count: 1121 (-0.8%) as of 2025
- US accounted for 83.5% of revenue in the fiscal year ended 2024-12-31
- Top business risk factors: Net losses and future profitability, Member growth retention risk, Surplus capital maintenance, Reliance on territory partners, Veterinary invoice expenses
- Earnings for 6 months up through Q2 exceed our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2025-12-31 to 2027-12-31
- 2025-12-31 to 2026-12-31 estimated range: [28.04$, 46.54$]
- 2026-12-31 to 2027-12-31 estimated range: [27.30$, 45.41$]
Financial Metrics affecting the TRUP estimates:
- Positive: with PPE of 83.9 at the end of fiscal year the price was neutral
- Positive: 0.56 < Operating profit margin, % of 1.53
- Positive: 4.90 < Operating cash flow per share per price, % of 5.52
- Positive: 7.79 < Industry operating profit margin (median), % of 14.26
- Positive: 1.88 < Return on assets ratio (scaled to [-100,100]) of 2.08
- Positive: Industry earnings per price (median), % of 7.94 > 6.58
- Negative: 0.75 < Interest expense per share per price, % of 0.85
- Positive: Inventory ratio change, % of 0.53 <= 1.34
Short-term TRUP quotes
Long-term TRUP plot with estimates
Financial data
| YTD | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Operating Revenue | $1,108.61MM | $1,285.68MM | $1,439.31MM |
| Operating Expenses | $1,149.26MM | $1,295.20MM | $1,417.31MM |
| Operating Income | $-40.66MM | $-9.51MM | $21.99MM |
| Non-Operating Income | $-4.38MM | $-0.12MM | $0.00MM |
| Interest Expense | $12.08MM | $14.50MM | $13.76MM |
| R&D Expense | $21.40MM | $31.25MM | $37.85MM |
| Income(Loss) | $-45.03MM | $-9.64MM | $21.99MM |
| Taxes | $-0.34MM | $-0.01MM | $2.56MM |
| Net Income(Loss)* | $-44.69MM | $-9.63MM | $19.43MM |
| Stockholders Equity | $303.72MM | $323.27MM | $383.94MM |
| Assets | $782.95MM | $806.85MM | $915.04MM |
| Operating Cash Flow | $18.64MM | $48.29MM | $89.49MM |
| Capital expenditure | $18.28MM | $9.72MM | $14.13MM |
| Investing Cash Flow | $7.64MM | $-13.46MM | $-95.89MM |
| Financing Cash Flow | $59.13MM | $-3.96MM | $-22.86MM |
| Earnings Per Share** | $-1.08 | $-0.23 | $0.45 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.