Trupanion Inc is a specialty insurance products provider in the United States. Its core business is the sale of insurance products tailor-made for pets, especially cats and dogs. It operates in two business segments: The subscription business segment generates revenue majorly from subscription fees related to the company's direct-to-consumer products and Other business segment is comprised of revenue from other product offerings that generally have a business-to-business relationship and a different margin profile than subscription business segment, including revenue from writing policies on behalf of third parties and revenue from other products and software solutions. Geographically, the company operates in United States, which derives maximum revenue; and Canada and Others.
The chart shows the growth of an initial investment of $10,000 in Trupanion, Inc., comparing it to the performance of the S&P 500 index.
All prices have been adjusted for splits and dividends.
Trupanion, Inc. (TRUP) has returned -31.36% so far this year and -20.88% over the past 12 months. Looking at the last ten years, TRUP has achieved an annualized return of 10.19%, underperforming the Benchmark (SPY), which averaged 12.23% per year.
The table below presents the monthly returns of Trupanion, Inc. (TRUP) with color gradation from worst to best to easily spot seasonal factors.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | -14.40% | -17.04% | -1.01% | -0.19% | ||||||||
| 2025 | -2.10% | -24.80% | 6.49% | -1.98% | 27.44% | 18.50% | -13.56% | -1.24% | -5.23% | -7.19% | -11.60% | 7.20% |
| 2024 | -11.34% | -2.41% | 2.60% | -19.56% | 32.23% | -4.14% | 25.20% | 22.57% | -6.00% | 30.24% | -2.68% | -9.75% |
| 2023 | 20.52% | 1.11% | -27.56% | -18.01% | -35.80% | -11.95% | 56.04% | -1.82% | -6.00% | -26.85% | 25.95% | 20.55% |
| 2022 | -28.44% | -7.09% | -0.56% | -28.34% | 4.88% | -10.51% | 4.61% | 13.73% | -14.39% | -16.37% | 1.71% | -9.31% |
| 2021 | -7.25% | -14.61% | -22.27% | 4.39% | 10.64% | 27.42% | -0.50% | -20.90% | -15.58% | 30.78% | 20.09% | 3.99% |
| 2020 | -16.13% | -4.24% | -16.36% | 17.06% | 0.60% | 38.96% | 18.93% | 24.91% | 26.56% | -10.23% | 39.83% | 16.25% |
| 2019 | 5.65% | 14.27% | 7.34% | -1.35% | -10.28% | 24.12% | -12.30% | -25.09% | 6.63% | -8.00% | 43.37% | 9.12% |
| 2018 | 19.06% | -14.76% | 0.67% | -11.60% | 20.20% | 21.50% | 8.93% | -8.15% | -6.90% | -27.56% | 18.63% | -15.92% |
| 2017 | 2.37% | -3.60% | -9.48% | 11.67% | 27.13% | 9.98% | 5.26% | -8.91% | 20.59% | 5.86% | 4.71% | -2.30% |
| 2016 | 26.99% | 20.38% | -10.77% | 13.81% | -0.20% | 12.44% | -3.34% | 2.15% | -7.29% |
The charts below present risk-adjusted performance metrics for Trupanion, Inc. (TRUP) and compare them to a Benchmark (SPY). These indicators evaluate an investment's returns against its associated risks.
The Sharpe ratio helps investors understand how much return they're getting for the level of risk taken. A higher Sharpe ratio indicates better risk-adjusted performance, meaning more reward for each unit of risk.
These values reflect how efficiently the investment has delivered returns relative to its volatility over different time periods. All figures are annualized and based on daily total returns.
The chart below shows the rolling Sharpe ratio of TRUP compared to the benchmark. This view highlights how the investment's risk-adjusted performance has changed over time.
The current Trupanion, Inc. volatility is 2.59%, representing the standart deviation of percentage change in the investments's value, either up or down over the past month. The chart below shows the rolling one-month volatility.
The Drawdowns chart displays portfolio losses from any high point along the way. It shows the maximum percentage drop from a peak to a trough over a specified period, indicating the risk of significant losses.
Although chart shows positive values, it represents the percentage drop from the peak, so a value of 10% means the portfolio has dropped 10% from its highest point.
The income statement provides a summary of a company's revenues, expenses, and profits over a specific period. It shows how much money the company earned (revenues) and how much it spent (expenses), leading to the net income or profit. This statement is crucial for understanding a company's financial performance and profitability.
| 2025 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Liabilities And Equity (USD) | 915.04M | 782.95M | 671.63M | 562.58M | 498.25M | 257.20M | 207.51M | 105.86M | 82.35M | 70.92M | 98.31M |
| Temporary Equity Attributable To Parent (USD) | - | - | - | - | - | - | - | - | - | - | - |
| Temporary Equity (USD) | - | - | - | - | - | - | - | - | - | - | - |
| Equity Attributable To Parent (USD) | 383.94M | 303.72M | 305.30M | 332.20M | 339.94M | 136.76M | 129.17M | 48.43M | 44.72M | 45.36M | 59.28M |
| Equity Attributable To Noncontrolling Interest (USD) | - | - | - | - | - | - | - | - | - | - | - |
| Equity (USD) | 383.94M | 303.72M | 305.30M | 332.20M | 339.94M | 136.76M | 129.17M | 48.43M | 44.72M | 45.36M | 59.28M |
| Other Non-current Liabilities (USD) | 19.51M | 7.17M | 8.36M | - | - | - | - | - | - | - | - |
| Long-term Debt (USD) | 101.78M | 127.58M | 68.35M | - | - | - | - | - | - | - | - |
| Noncurrent Liabilities (USD) | 121.30M | 134.75M | 76.71M | 6.69M | 7.91M | 28.82M | 15.13M | 11.56M | 6.97M | 1.94M | 16.49M |
| Other Current Liabilities (USD) | 393.37M | 333.97M | 280.15M | 214.74M | 144.34M | 87.54M | 60.44M | 43.15M | 28.65M | 22.33M | 20.58M |
| Accounts Payable (USD) | 16.45M | 10.51M | 9.47M | 8.95M | 6.06M | 4.09M | 2.77M | 2.72M | 2.01M | 1.29M | 1.96M |
| Current Liabilities (USD) | 409.81M | 344.47M | 289.62M | 223.70M | 150.40M | 91.63M | 63.20M | 45.87M | 30.66M | 23.62M | 22.54M |
| Liabilities (USD) | 531.11M | 479.23M | 366.33M | 230.38M | 158.31M | 120.44M | 78.34M | 57.43M | 37.63M | 25.56M | 39.03M |
| Other Non-current Assets (USD) | 95.04M | 98.46M | 87.80M | 71.02M | 61.49M | 20.28M | 11.66M | 6.46M | 3.58M | 2.71M | 942.00K |
| Intangible Assets (USD) | 24.10M | 18.75M | 24.03M | 22.66M | 27.13M | 7.73M | 8.07M | 4.97M | 4.91M | 4.85M | 4.85M |
| Fixed Assets (USD) | 104.84M | 103.65M | 90.70M | 77.95M | 72.60M | 70.37M | 69.80M | 7.87M | 8.46M | 9.72M | 7.86M |
| Noncurrent Assets (USD) | 223.98M | 220.86M | 202.53M | 171.63M | 161.22M | 98.38M | 89.53M | 19.30M | 16.96M | 17.28M | 13.65M |
| Current Assets (USD) | 691.06M | 562.09M | 469.10M | 390.95M | 337.03M | 158.82M | 117.98M | 86.56M | 65.39M | 53.63M | 84.66M |
| Assets (USD) | 915.04M | 782.95M | 671.63M | 562.58M | 498.25M | 257.20M | 207.51M | 105.86M | 82.35M | 70.92M | 98.31M |
Trupanion CFO Fawwad Qureshi sold his final 2,837 shares on February 27, 2026, completing a systematic divestment plan initiated in May 2025. The sale, executed under a pre-planned 10b5-1 trading plan for financial diversification, was not discretionary and should not be viewed as a negative signal about the company's prospects. This was the seventh and final transaction in a series of identical-sized sales scheduled in advance.
PRISM MarketView launched the PRISM PetCare Index to track publicly traded companies driving growth in the global pet care sector, projected to exceed $350 billion. The index includes companies advancing veterinary services, pet pharmaceuticals, insurance, diagnostics, and premium nutrition. Key companies highlighted include Elanco Animal Health, Chewy, and Trupanion, which are positioned to benefit from increasing consumer spending on pet healthcare, preventative services, and subscription-based offerings.
Chewy is a successful e-commerce pet retailer with over 130,000 products, but the article advises caution before investing. While the company showed 8.3% year-over-year revenue growth in Q3 2025 with improving profit margins, structural challenges persist. With net profit margins around 2% and the entire pet industry characterized by low margins, Chewy's growth prospects appear limited. The author recommends staying on the sidelines until profitability improves and valuation drops.
Trupanion will host a webinar on the evolving state of bird flu (H5N1) and its impact on pets, pet parents, and the veterinary community. The webinar will feature a panel of leading animal health experts and aims to equip veterinary professionals and pet parents with the latest information and practical guidance on avian flu in pets.
Trupanion, a leader in pet medical insurance, reported mixed Q4 2024 earnings. While revenue exceeded expectations, earnings per share (EPS) fell short. However, the company showed a significant turnaround, moving from a net loss to a net income of $1.7 million.
The article discusses three stocks - PureCycle Technologies (PCT), NuScale Power (SMR), and Trupanion (TRUP) - that have high short interest but are still trading near their 52-week highs, indicating a disconnect between bearish sentiment and stock performance.
Trupanion is launching a pet costume contest to spotlight adoptable pets and the shelters/rescues that care for them, with the goal of connecting these pets with potential families.
Four analysts have published ratings on Trupanion in the last three months, offering a range of perspectives. The average 12-month price target has increased by 8% to $33.75, with a high estimate of $49 and a low of $22. The analysts' ratings and price targets provide insights into Trupanion's market standing and performance.
The Accident and Health Insurance industry is expected to benefit from increased underwriting exposure and adoption of technology, despite ongoing pricing pressure and potential rise in claims frequency. Aflac, Unum Group, and Trupanion are highlighted as companies that should continue to perform well in this environment.
Trupanion (NASDAQ:TRUP) has been analyzed by 5 analysts in the last three months, revealing a diverse range of perspectives from bullish to bearish. In the table below, you'll find a summary of their recent ratings, revealing the shifting sentiments over the past 30 days and comparing them to the previous months. Bullish Somewhat Bullish Indifferent Somewhat Bearish Bearish Total Ratings 2 0 3 0 0 Last 30D 0 0 1 0 0 1M Ago 0 0 0 0 0 2M Ago 2 0 1 0 0 3M Ago 0 0 1 0 0 Analysts have set 12-month price targets for Trupanion, revealing an average target of $32.6, a high estimate of $49.00, and a low estimate of $22.00. This current average has increased by 3.82% from the previous average price target of $31.40. Deciphering Analyst Ratings: An In-Depth Analysis An in-depth analysis of recent analyst actions unveils how financial experts perceive Trupanion. The following summary outlines key analysts, their recent evaluations, and adjustments to ratings and price targets. Analyst Analyst Firm Action Taken Rating Current Price Target Prior Price Target John Barnidge Piper Sandler Raises Neutral $30.00 $22.00 Joshua Shanker B of A Securities Raises Buy $49.00 $35.00 Maria Ripps Canaccord Genuity Lowers Buy $34.00 $40.00 John Barnidge Piper Sandler Lowers Neutral $22.00 $28.00 John Barnidge Piper Sandler Lowers Neutral $28.00 $32.00 Key Insights: Action Taken: Analysts frequently update their recommendations based on evolving market conditions and company performance. Whether they 'Maintain', 'Raise' or 'Lower' their stance, it reflects their reaction to recent developments related to Trupanion. This information provides a snapshot of how analysts perceive the current state of the company. Rating: Gaining insights, analysts provide qualitative assessments, ranging from 'Outperform' to 'Underperform'. These ...Full story available on Benzinga.com