Trupanion, Inc. (TRUP)Financial Services | Insurance - Property & Casualty | Seattle, United States | NasdaqGM
27.86 USD
+1.13
(4.227%)
⇧
(Oct. 15, 2026, 4 p.m.
EDT)
|
Hot Take ↕ | Oct. 10, 2026, 9:49 a.m. EDT
The investment case for Trupanion is currently compromised by a severe disconnect between its deteriorating operational reality and its valuation metrics. While the forward P/E appears attractive at 6x, this is a misleading signal given the company's -28.9% earnings growth and -27.4% quarterly earnings contraction; the market is correctly pricing in a business that is failing to generate profit despite modest 11% revenue growth. The price action confirms this distress, with the stock trading below its 50-day and 200-day moving averages, reflecting a trend of selling pressure that has persisted for years. Although the long-term trajectory shows a net gain over nine years, the most recent annual performance was negative, and the lack of any dividend history eliminates income as a buffer. Options activity reinforces this bearish sentiment, with traders buying deep protection rather than betting on a recovery. Until the company demonstrates a path to profitability and stabilizes its earnings, the risk of permanent capital loss outweighs the potential for a mean reversion. |
| Model | MAE |
|---|---|
| AutoTheta ✓ | 0.117763 |
| AutoARIMA | 0.136436 |
| AutoETS | 0.136436 |
| MSTL | 0.148173 |
Forecast horizon: 45 days | Selected: AutoTheta
| Forecast Reliability | |
|---|---|
| Score | 35% |
| H-stat | 24.83 |
| Ljung-Box p | 0.000 |
| Jarque-Bera p | 0.247 |
| Excess Kurtosis | -1.21 |
| Attribute | Value |
|---|---|
| Sector | Financial Services |
| Debt to Equity Ratio | 26.096 |
| Revenue per Share | 35.04 |
| Market Cap | 1,222,290,944 |
| Trailing P/E | 52.57 |
| Forward P/E | 6.54 |
| Beta | 1.44 |
| Profit Margins | 1.53% |
| Website | https://www.trupanion.com |
As of Oct. 10, 2026, 9:49 a.m. EDT: Speculators are positioning heavily for downside protection, evidenced by significant open interest in out-of-the-money puts at strikes like 17.5 and 25.0, while call volume remains thin and concentrated at lower strikes. Implied volatility is markedly higher for puts (1.28 ATM) compared to calls (0.58 ATM), indicating a market consensus expecting further weakness rather than a rebound.
| Attribute | Value |
|---|---|
| 52 Week Change | -0.35058278 |
| Address1 | 6,100 4th Avenue South |
| Address2 | Suite 200 |
| All Time High | 158.25 |
| All Time Low | 5.21 |
| Ask | 30.86 |
| Ask Size | 2 |
| Audit Risk | 5 |
| Average Analyst Rating | 2.3 - Buy |
| Average Daily Volume10 Day | 400,820 |
| Average Daily Volume3 Month | 475,793 |
| Average Volume | 475,793 |
| Average Volume10Days | 400,820 |
| Beta | 1.442 |
| Bid | 17.75 |
| Bid Size | 2 |
| Board Risk | 5 |
| Book Value | 9.338 |
| City | Seattle |
| Compensation As Of Epoch Date | 1,767,139,200 |
| Compensation Risk | 6 |
| Country | United States |
| Crypto Tradeable | 0 |
| Currency | USD |
| Current Price | 27.86 |
| Current Ratio | 1.774 |
| Custom Price Alert Confidence | HIGH |
| Date Short Interest | 1,790,726,400 |
| Day High | 28.5 |
| Day Low | 27.29 |
| Debt To Equity | 26.096 |
| Display Name | Trupanion |
| Dividend Yield | 0.0 |
| Earnings Call Timestamp End | 1,785,961,800 |
| Earnings Call Timestamp Start | 1,785,961,800 |
| Earnings Growth | -0.289 |
| Earnings Quarterly Growth | -0.274 |
| Earnings Timestamp | 1,785,960,000 |
| Earnings Timestamp End | 1,793,908,800 |
| Earnings Timestamp Start | 1,793,908,800 |
| Ebitda | 40,739,000 |
| Ebitda Margins | 0.026789999 |
| Enterprise To Ebitda | 22.846 |
| Enterprise To Revenue | 0.612 |
| Enterprise Value | 930,708,928 |
| Eps Current Year | 4.04 |
| Eps Forward | 4.26 |
| Eps Trailing Twelve Months | 0.53 |
| Esg Populated | 0 |
| Exchange | NGM |
| Exchange Data Delayed By | 15 |
| Exchange Timezone Name | America/New_York |
| Exchange Timezone Short Name | EDT |
| Fax | 866 405 4536 |
| Fifty Day Average | 27.037 |
| Fifty Day Average Change | 0.82299995 |
| Fifty Day Average Change Percent | 0.030439766 |
| Fifty Two Week Change Percent | -35.058277 |
| Fifty Two Week High | 46.98 |
| Fifty Two Week High Change | -19.119999 |
| Fifty Two Week High Change Percent | -0.40698168 |
| Fifty Two Week Low | 21.16 |
| Fifty Two Week Low Change | 6.700001 |
| Fifty Two Week Low Change Percent | 0.3166352 |
| Fifty Two Week Range | 21.16 - 46.98 |
| Financial Currency | USD |
| First Trade Date Milliseconds | 1,405,690,200,000 |
| Float Shares | 33,498,493 |
| Forward Eps | 4.26 |
| Forward P E | 6.539906 |
| Free Cashflow | 11,546,000 |
| Full Exchange Name | NasdaqGM |
| Full Time Employees | 1,121 |
| Fullday Change | 1.1300011 |
| Fullday Change Percent | 4.2274637 |
| Fullday Price | 27.86 |
| Gmt Off Set Milliseconds | -14,400,000 |
| Governance Epoch Date | 1,790,812,800 |
| Gross Margins | 0.22584 |
| Gross Profits | 343,441,984 |
| Has Pre Post Market Data | 1 |
| Held Percent Insiders | 0.15687001 |
| Held Percent Institutions | 0.7892 |
| Implied Shares Outstanding | 43,872,611 |
| Industry | Insurance - Property & Casualty |
| Industry Disp | Insurance - Property & Casualty |
| Industry Key | insurance-property-casualty |
| Is Earnings Date Estimate | 1 |
| Language | en-US |
| Last Fiscal Year End | 1,767,139,200 |
| Long Business Summary | Trupanion, Inc., together with its subsidiaries, provides medical insurance for cats and dogs on subscription basis in the United States, Canada, and Continental Europe. 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. and changed its name to Trupanion, Inc. in 2013. Trupanion, Inc. was founded in 2000 and is headquartered in Seattle, Washington. |
| Long Name | Trupanion, Inc. |
| Market | us_market |
| Market Cap | 1,222,290,944 |
| Market State | PRE |
| Max Age | 86,400 |
| Message Board Id | finmb_40255796 |
| Most Recent Quarter | 1,782,777,600 |
| Net Income To Common | 23,214,000 |
| Next Fiscal Year End | 1,798,675,200 |
| Non Diluted Market Cap | 1,002,489,161 |
| Number Of Analyst Opinions | 4 |
| Open | 27.29 |
| Operating Cashflow | 94,077,000 |
| Operating Margins | 0.01623 |
| Overall Risk | 6 |
| Payout Ratio | 0.0 |
| Phone | 855 727 9079 |
| Previous Close | 26.73 |
| Price Eps Current Year | 6.89604 |
| Price Hint | 2 |
| Price To Book | 2.983508 |
| Price To Sales Trailing12 Months | 0.8037391 |
| Profit Margins | 0.01526 |
| Quick Ratio | 1.728 |
| Quote Source Name | Delayed Quote |
| Quote Type | EQUITY |
| Recommendation Key | buy |
| Recommendation Mean | 2.33333 |
| Region | US |
| Regular Market Change | 1.13 |
| Regular Market Change Percent | 4.22746 |
| Regular Market Day High | 28.5 |
| Regular Market Day Low | 27.29 |
| Regular Market Day Range | 27.29 - 28.5 |
| Regular Market Open | 27.29 |
| Regular Market Previous Close | 26.73 |
| Regular Market Price | 27.86 |
| Regular Market Time | 1,792,094,400 |
| Regular Market Volume | 359,334 |
| Return On Assets | 0.017760001 |
| Return On Equity | 0.06068 |
| Revenue Growth | 0.111 |
| Revenue Per Share | 35.04 |
| Sand P52 Week Change | 0.16207206 |
| Sector | Financial Services |
| Sector Disp | Financial Services |
| Sector Key | financial-services |
| Share Holder Rights Risk | 7 |
| Shares Outstanding | 43,872,611 |
| Shares Percent Shares Out | 0.0885 |
| Shares Short | 3,880,541 |
| Shares Short Previous Month Date | 1,788,134,400 |
| Shares Short Prior Month | 3,993,141 |
| Short Name | Trupanion, Inc. |
| Short Percent Of Float | 0.1066 |
| Short Ratio | 8.45 |
| Source Interval | 15 |
| State | WA |
| Symbol | TRUP |
| Target High Price | 42.0 |
| Target Low Price | 29.0 |
| Target Mean Price | 33.25 |
| Target Median Price | 31.0 |
| Total Cash | 398,491,008 |
| Total Cash Per Share | 9.083 |
| Total Debt | 106,909,000 |
| Total Revenue | 1,520,755,968 |
| Tradeable | 0 |
| Trailing Annual Dividend Rate | 0.0 |
| Trailing Annual Dividend Yield | 0.0 |
| Trailing Eps | 0.53 |
| Trailing P E | 52.56604 |
| Trailing Peg Ratio | None |
| Triggerable | 1 |
| Two Hundred Day Average | 26.9871 |
| Two Hundred Day Average Change | 0.8729 |
| Two Hundred Day Average Change Percent | 0.032345083 |
| Type Disp | Equity |
| Volume | 359,334 |
| Website | https://www.trupanion.com |
| Zip | 98,108 |