TRUP

Company Overview — What Does TRUPANION, INC. Do?

Trupanion, Inc., together with its subsidiaries, provides medical insurance for cats and dogs on a monthly subscription basis in the United States, Canada, Puerto Rico, and Australia. 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. changed its name to Trupanion, Inc. in 2013. The company was founded in 2000 and is headquartered in Seattle, Washington. TRUPANION, INC. (TRUP) is classified as a small-cap stock in the Financials sector, specifically within the Insurance industry. The company is led by CEO Darryl Rawlings and employs approximately 1,130 people, headquartered in Seattle, Washington. With a market capitalization of $1.1B, TRUP is one of the notable companies in the Financials sector.

TRUPANION, INC. (TRUP) Stock Rating — Reduce (April 2026)

As of April 2026, TRUPANION, INC. receives a Reduce rating with a composite score of 41.1/100 and 2 out of 5 stars from the Blank Capital Research quantitative model.TRUP ranks #3,070 out of 4,446 stocks in our coverage universe. Within the Financials sector, TRUPANION, INC. ranks #733 of 891 stocks, placing it in the lower half of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).

TRUP Stock Price and 52-Week Range

TRUPANION, INC. (TRUP) currently trades at $24.54. The stock lost $1.20 (4.7%) in the most recent trading session. The 52-week high for TRUP is $57.88, which means the stock is currently trading -57.6% from its annual peak. The 52-week low is $24.50, putting the stock 0.2% above its annual trough. Recent trading volume was 280K shares, suggesting relatively thin trading activity.

Is TRUP Overvalued or Undervalued? — Valuation Analysis

TRUPANION, INC. (TRUP) carries a value factor score of 44/100 in the Blank Capital model, indicating fair valuation relative to historical norms. The trailing price-to-earnings ratio is 72.64x, compared to the Financials sector average of 14.88x — a premium of 388%. The price-to-book ratio stands at 2.88x, versus the sector average of 1.22x. The price-to-sales ratio is 0.80x, compared to 0.90x for the average Financials stock. On an enterprise value basis, TRUP trades at 73.81x EV/EBITDA, versus 3.26x for the sector.

Overall, TRUP's valuation appears roughly in line with sector benchmarks, suggesting the market is pricing the stock fairly given its current fundamentals and growth trajectory. Neither deep value nor significantly overpriced, the stock occupies a middle ground on valuation.

TRUPANION, INC. Profitability — ROE, Margins, and Quality Score

TRUPANION, INC. (TRUP) earns a quality factor score of 56/100, indicating solid business quality with consistent operational execution. The return on equity (ROE) is 4.0%, compared to the Financials sector average of 8.5%, which is below typical expectations for high-quality companies. Return on assets (ROA) comes in at 1.7% versus the sector average of 1.2%.

On a margin basis, TRUPANION, INC. reports gross margins of 15.5%. The operating margin is 0.6% (sector: 21.8%). Net profit margin stands at 1.1%, versus 17.7% for the average Financials stock. Revenue growth is running at 16.6% on a trailing basis, compared to 9.4% for the sector. The overall profitability profile is adequate, though there may be room for margin expansion.

TRUP Debt, Balance Sheet, and Financial Health

TRUPANION, INC. has a debt-to-equity ratio of 27.0%, compared to the Financials sector average of 121.0%. The low leverage indicates a conservative balance sheet with significant financial flexibility. The current ratio is 1.69x, suggesting adequate working capital coverage. Total debt on the balance sheet is $102M. Cash and equivalents stand at $155M.

TRUP has a beta of 1.11, meaning it is roughly in line with the broader market in terms of price volatility. The stability factor score for TRUPANION, INC. is 46/100, reflecting average volatility within the normal range for its sector.

TRUPANION, INC. Revenue and Earnings History — Quarterly Trend

In TTM 2026, TRUPANION, INC. reported revenue of $1.39B and earnings per share (EPS) of $0.45. Net income for the quarter was $15M. Gross margin was 15.5%. Operating income came in at $8M.

In FY 2025, TRUPANION, INC. reported revenue of $1.44B and earnings per share (EPS) of $0.45. Net income for the quarter was $19M. Gross margin was 16.1%. Revenue grew 11.9% year-over-year compared to FY 2024. Operating income came in at $14M.

In Q3 2025, TRUPANION, INC. reported revenue of $367M and earnings per share (EPS) of $0.14. Net income for the quarter was $6M. Gross margin was 16.4%. Revenue grew 12.1% year-over-year compared to Q3 2024. Operating income came in at $6M.

In Q2 2025, TRUPANION, INC. reported revenue of $354M and earnings per share (EPS) of $0.22. Net income for the quarter was $9M. Gross margin was 15.5%. Revenue grew 12.3% year-over-year compared to Q2 2024. Operating income came in at $2M.

Over the past 8 quarters, TRUPANION, INC. has demonstrated a growth trajectory, with revenue expanding from $315M to $1.39B. Investors analyzing TRUP stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.

TRUP Dividend Yield and Income Analysis

TRUPANION, INC. (TRUP) does not currently pay a dividend. This is common among smaller companies in the Insurance industry that prefer to reinvest cash flows into business expansion rather than returning capital to shareholders. Income-focused investors looking for Financials dividend stocks may want to explore other Financials stocks or use the stock screener to filter by dividend yield.

TRUP Momentum and Technical Analysis Profile

TRUPANION, INC. (TRUP) has a momentum factor score of 21/100, signaling weak relative price performance. Stocks with low momentum scores have historically tended to continue underperforming in the near term. The investment factor score is 27/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 55/100 reflects moderate short selling activity.

TRUP vs Competitors — Financials Sector Ranking and Peer Comparison

Within the Financials sector, TRUPANION, INC. (TRUP) ranks #733 out of 891 stocks based on the Blank Capital composite score. This places TRUP in the lower half of all Financials stocks in our coverage universe. Key competitors and sector peers include WHITE MOUNTAINS INSURANCE GROUP LTD (WTM) with a score of 62.9/100, OPPENHEIMER HOLDINGS INC (OPY) with a score of 62.6/100, Enact Holdings, Inc. (ACT) with a score of 61.6/100, International General Insurance Holdings Ltd. (IGIC) with a score of 61.3/100, and PARKE BANCORP, INC. (PKBK) with a score of 60.4/100.

Comparing TRUP against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full TRUP vs S&P 500 (SPY) comparison to assess how TRUPANION, INC. stacks up against the broader market across all factor dimensions.

TRUP Next Earnings Date

No upcoming earnings date has been announced for TRUPANION, INC. (TRUP) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.

Should You Buy TRUP? — Investment Thesis Summary

The quantitative profile for TRUPANION, INC. suggests caution. Momentum is weak at 21/100, a headwind for near-term performance.

In summary, TRUPANION, INC. (TRUP) earns a Reduce rating with a composite score of 41.1/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on TRUP stock.

Related Resources for TRUP Investors

Explore more research and tools: TRUP vs S&P 500 comparison, top Financials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare TRUP head-to-head with peers: TRUP vs WTM, TRUP vs OPY, TRUP vs ACT.