Trupanion (TRUP) Stock Price, News & Analysis

Company Overview

Trupanion, Inc. is a pet medical insurance company that provides comprehensive insurance coverage for cats and dogs. The company’s core offering is a single, customizable medical policy designed to cover veterinary diagnostic tests, surgeries, hospital stays and congenital or hereditary conditions. Trupanion seeks to streamline the claims process by offering direct payment options to participating veterinarians, reducing the need for upfront payments by pet owners.

Founded in 1999 by Darryl Rawlings and headquartered in Seattle, Washington, Trupanion began operations in the early 2000s and has grown its presence through both digital channels and partnerships with veterinary hospitals. The company completed its initial public offering on the Nasdaq Global Market in 2014, trading under the ticker TRUP. Today, Trupanion serves pet owners across the United States, Canada and Puerto Rico, supporting a network of veterinary partners who can bill the insurer directly for covered services.

In addition to its core medical insurance product, Trupanion offers a range of pet advocacy services, including access to a 24/7 pet health line staffed by veterinary professionals. Policyholders benefit from customizable coverage levels, optional coverage extensions and the company’s continual efforts to integrate new technologies for claims administration and policy management. While Darryl Rawlings remains closely associated with Trupanion as the founder, the company’s leadership team brings together veterans of the insurance and pet care industries to support its ongoing growth in North America.

Key Stats

• Today's Range: $43.53 to $45.29
• 50-Day Range: $44.09 to $55.35
• 52-Week Range: $31.00 to $57.90
• Volume: 355,284 shs
• Average Volume: 523,486 shs
• Market Capitalization: $1.90 billion
• P/E Ratio: 169.58
• Dividend Yield: N/A
• Price Target: $54.17
• Consensus Rating: Moderate Buy

Trupanion Stock Analysis - MarketRank™

Trupanion scored higher than 84% of companies evaluated by MarketBeat, and ranked 256th out of 925 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 3.7 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

Trupanion has received a consensus rating of Moderate Buy. The company's average rating score is 2.50, and is based on 3 buy ratings, 3 hold ratings, and no sell ratings.

Upside Potential

Trupanion has a consensus price target of $54.17, representing about 22.9% upside from its current price of $44.09.

Amount of Analyst Coverage

Trupanion has only been the subject of 3 research reports in the past 90 days.

Earnings and Valuation

• Score: 3.1 / 5
• Proj. Earnings Growth: 61.54%

Earnings Growth

Earnings for Trupanion are expected to grow by 61.54% in the coming year, from $0.13 to $0.21 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Trupanion is 169.58, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 277.91.

Price to Earnings Ratio vs. Sector

The P/E ratio of Trupanion is 169.58, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 232.30.

Price to Book Value per Share Ratio

Trupanion has a P/B Ratio of 5.78. P/B Ratios above 3 indicate that a company could be overvalued with respect to its assets and liabilities.

Short Interest

• Score: 1.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

22.82% of the float of Trupanion has been sold short.

Short Interest Ratio / Days to Cover

Trupanion has a short interest ratio ("days to cover") of 12.8, which indicates bearish sentiment.

Change versus previous month

Short interest in Trupanion has recently decreased by 2.80%, indicating that investor sentiment is improving.

Dividend

• Score: 0.0 / 5
• Dividend Strength: N/A

Dividend Yield

Trupanion does not currently pay a dividend.

Dividend Growth

Trupanion does not have a long track record of dividend growth.

Sustainability and ESG

• Score: 3.0 / 5
• Environmental Score: -0.61

Percentage of Shares Shorted

22.82% of the float of Trupanion has been sold short.

Short Interest Ratio / Days to Cover

Trupanion has a short interest ratio ("days to cover") of 12.8, which indicates bearish sentiment.

Change versus previous month

Short interest in Trupanion has recently decreased by 2.80%, indicating that investor sentiment is improving.

News and Social Media

• Score: 2.1 / 5
• News Sentiment: 0.86

News Sentiment

Trupanion has a news sentiment score of 0.86. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This news sentiment score is similar to the average news sentiment of Finance companies.

News Coverage This Week

MarketBeat has tracked 9 news articles for Trupanion this week, compared to 6 articles on an average week.

Company Ownership

• Score: 0.8 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, Trupanion insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $2,374,049.00 in company stock.

Percentage Held by Insiders

Only 5.42% of the stock of Trupanion is held by insiders.

TRUP Stock Analysis - Frequently Asked Questions

How have TRUP shares performed this year?

Trupanion's stock was trading at $48.20 on January 1st, 2025. Since then, TRUP stock has decreased by 8.5% and is now trading at $44.09.

How were Trupanion's earnings last quarter?

Trupanion, Inc. (NASDAQ:TRUP) announced its earnings results on Thursday, August, 7th. The financial services provider reported $0.22 earnings per share (EPS) for the quarter, topping analysts' consensus estimates of ($0.03) by $0.25. The business's quarterly revenue was up 12.3% compared to the same quarter last year.
Read the conference call transcript.

Who are Trupanion's major shareholders?

Trupanion's top institutional shareholders include Bank of America Corp DE (3.04%), State Street Corp (2.99%), Marshall Wace LLP (2.44%) and Geode Capital Management LLC (2.01%). Insiders that own company stock include Darryl Rawlings, Howard E Rubin, Murray B Low, Margaret Tooth, Steve Weinrauch, Tricia Plouf, Emily Dreyer, John R Gallagher, Gavin Friedman, Fawwad Qureshi, Melissa Joy Hewitt, Michael Doak and Brenna Mcgibney.
View institutional ownership trends.

How do I buy shares of Trupanion?

Shares of TRUP stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Trupanion own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Trupanion investors own include NVIDIA (NVDA), Tesla (TSLA), Meta Platforms (META), Netflix (NFLX), Advanced Micro Devices (AMD), Visa (V) and Alphabet (GOOG).

Company Calendar

• Last Earnings: 8/07/2025
• Today: 9/06/2025
• Next Earnings (Estimated): 10/29/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: INS - ACC & HLTH
• Sub-Industry: Insurance
• Current Symbol: NASDAQ:TRUP
• CIK: 1371285
• Web: www.trupanion.com
• Phone: (855) 727-9079
• Fax: 866-405-4536
• Employees: 1,130
• Year Founded: 1998

Price Target and Rating

• Average Price Target for Trupanion: $54.17
• High Price Target: $67.00
• Low Price Target: $45.00
• Potential Upside/Downside: +22.9%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.50
• Research Coverage: 6 Analysts

Profitability

• EPS (Trailing Twelve Months): $0.26
• Trailing P/E Ratio: 169.58
• Forward P/E Ratio: 339.15
• P/E Growth: N/A
• Net Income: -$9.63 million
• Net Margins: 0.81%
• Pretax Margin: 0.90%
• Return on Equity: 3.31%
• Return on Assets: 1.33%

Debt

• Debt-to-Equity Ratio: 0.32
• Current Ratio: 1.69
• Quick Ratio: 1.69

Sales & Book Value

• Annual Sales: $1.36 billion
• Price / Sales: 1.39
• Cash Flow: $0.28 per share
• Price / Cash Flow: 155.84
• Book Value: $7.63 per share
• Price / Book: 5.78

Miscellaneous

• Outstanding Shares: 42,995,000
• Free Float: 40,665,000
• Market Cap: $1.90 billion
• Optionable: Optionable
• Beta: 1.72