Trupanion, Inc. (TRUP)Financial Services | Insurance - Property & Casualty | Seattle, United States | NasdaqGM
29.62 USD
-0.03
(-0.101%) ⇩
(Aug. 28, 2026, 4 p.m.
EDT)
After hours: 29.62 |
Hot Take ↕ | Aug. 22, 2026, 3:02 a.m. EDT
The investment case here is a classic turnaround story with a fragile foundation. Fundamentally, the business shows signs of life: revenue is growing at 11%, and the forward P/E of 7.3x implies the market expects a massive earnings explosion to justify the current price. This is a stark contrast to the trailing P/E of 57, which reflects the recent -29% earnings collapse. The long-term rating sits at 3 stars because the revenue growth and normalized valuation multiples suggest the core pet insurance franchise is viable, but the recent earnings miss and high beta keep it from being a 'buy and hold' certainty. Short-term, the stock is stuck in a tug-of-war. It has recovered significantly from its lows, trading above its 50-day average, yet the statistical forecast model offers no directional bias, reflecting the uncertainty surrounding the next earnings report. The options market is telling a more aggressive story than the fundamentals, with traders betting on a bounce toward the $35 resistance level, but this is speculative positioning rather than a confirmed trend. With no dividend to provide a safety net and a history of volatile earnings, this is a high-risk, high-reward play suitable only for investors who believe the earnings recovery will be immediate and sharp. |
| Model | MAE |
|---|---|
| MSTL ✓ | 0.092390 |
| AutoARIMA | 0.095861 |
| AutoETS | 0.095872 |
| AutoTheta | 0.113119 |
Forecast horizon: 45 days | Selected: MSTL
| Forecast Reliability | |
|---|---|
| Score | 39% |
| H-stat | 6.76 |
| Ljung-Box p | 0.000 |
| Jarque-Bera p | 0.101 |
| Excess Kurtosis | -0.30 |
| Attribute | Value |
|---|---|
| Sector | Financial Services |
| Debt to Equity Ratio | 26.096 |
| Revenue per Share | 35.04 |
| Market Cap | 1,299,506,816 |
| Trailing P/E | 55.89 |
| Forward P/E | 6.95 |
| Beta | 1.43 |
| Profit Margins | 1.53% |
| Website | https://www.trupanion.com |
As of Aug. 22, 2026, 3:02 a.m. EDT: Speculators are positioning for a modest upside move in the near term, evidenced by heavy open interest in out-of-the-money calls (particularly the $35 strike for February expiration) relative to puts. However, the massive volume-to-open-interest ratio on the February $35 calls suggests active speculation rather than established hedging, while put writers are establishing significant downside protection at lower strikes ($20-$25), indicating a belief that the floor is well below current levels.
| Attribute | Value |
|---|---|
| 52 Week Change | -0.34402657 |
| 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 | 428,520 |
| Average Daily Volume3 Month | 446,400 |
| Average Volume | 446,400 |
| Average Volume10Days | 428,520 |
| Beta | 1.429 |
| 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 | 29.62 |
| Current Ratio | 1.774 |
| Custom Price Alert Confidence | HIGH |
| Date Short Interest | 1,786,665,600 |
| Day High | 30.325 |
| Day Low | 29.07 |
| Debt To Equity | 26.096 |
| Display Name | Trupanion |
| 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 | 24.741 |
| Enterprise To Revenue | 0.663 |
| Enterprise Value | 1,007,924,736 |
| Eps Current Year | 4.04 |
| Eps Forward | 4.26 |
| Eps Trailing Twelve Months | 0.53 |
| Esg Populated | 0 |
| Exchange | NGM |
| Exchange Data Delayed By | 0 |
| Exchange Timezone Name | America/New_York |
| Exchange Timezone Short Name | EDT |
| Fax | 866 405 4536 |
| Fifty Day Average | 26.8154 |
| Fifty Day Average Change | 2.8046017 |
| Fifty Day Average Change Percent | 0.10458922 |
| Fifty Two Week Change Percent | -34.402657 |
| Fifty Two Week High | 46.98 |
| Fifty Two Week High Change | -17.359999 |
| Fifty Two Week High Change Percent | -0.3695189 |
| Fifty Two Week Low | 21.16 |
| Fifty Two Week Low Change | 8.460001 |
| Fifty Two Week Low Change Percent | 0.399811 |
| Fifty Two Week Range | 21.16 - 46.98 |
| Financial Currency | USD |
| First Trade Date Milliseconds | 1,405,690,200,000 |
| Float Shares | 33,523,062 |
| Forward Eps | 4.26 |
| Forward P E | 6.9530516 |
| Free Cashflow | 11,546,000 |
| Full Exchange Name | NasdaqGM |
| Full Time Employees | 1,121 |
| Fullday Change | -0.0299988 |
| Fullday Change Percent | -0.101176 |
| Fullday Price | 29.62 |
| Gmt Off Set Milliseconds | -14,400,000 |
| Governance Epoch Date | 1,785,542,400 |
| Gross Margins | 0.22584 |
| Gross Profits | 343,441,984 |
| Has Pre Post Market Data | 1 |
| Held Percent Insiders | 0.15719 |
| Held Percent Institutions | 0.78810996 |
| 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 | 1,299,506,816 |
| Market State | CLOSED |
| 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 | 1,299,945,463 |
| Number Of Analyst Opinions | 4 |
| Open | 29.7 |
| Operating Cashflow | 94,077,000 |
| Operating Margins | 0.01623 |
| Overall Risk | 6 |
| Payout Ratio | 0.0 |
| Phone | 855 727 9079 |
| Post Market Change | 0.0 |
| Post Market Change Percent | 0.0 |
| Post Market Price | 29.62 |
| Post Market Time | 1,787,959,805 |
| Previous Close | 29.65 |
| Price Eps Current Year | 7.3316836 |
| Price Hint | 2 |
| Price To Book | 3.1719854 |
| Price To Sales Trailing12 Months | 0.8545137 |
| Profit Margins | 0.01526 |
| Quick Ratio | 1.728 |
| Quote Source Name | Nasdaq Real Time Price |
| Quote Type | EQUITY |
| Recommendation Key | buy |
| Recommendation Mean | 2.33333 |
| Region | US |
| Regular Market Change | -0.0299988 |
| Regular Market Change Percent | -0.101176 |
| Regular Market Day High | 30.325 |
| Regular Market Day Low | 29.07 |
| Regular Market Day Range | 29.07 - 30.325 |
| Regular Market Open | 29.7 |
| Regular Market Previous Close | 29.65 |
| Regular Market Price | 29.62 |
| Regular Market Time | 1,787,947,200 |
| Regular Market Volume | 344,566 |
| Return On Assets | 0.017760001 |
| Return On Equity | 0.06068 |
| Revenue Growth | 0.111 |
| Revenue Per Share | 35.04 |
| Sand P52 Week Change | 0.20504117 |
| 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 | 0.090500005 |
| Shares Short | 3,969,980 |
| Shares Short Previous Month Date | 1,784,073,600 |
| Shares Short Prior Month | 3,707,932 |
| Short Name | Trupanion, Inc. |
| Short Percent Of Float | 0.1091 |
| Short Ratio | 7.64 |
| Source Interval | 15 |
| State | WA |
| Symbol | TRUP |
| Target High Price | 42.0 |
| Target Low Price | 29.0 |
| Target Mean Price | 34.25 |
| Target Median Price | 33.0 |
| 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 | 55.8868 |
| Trailing Peg Ratio | None |
| Triggerable | 1 |
| Two Hundred Day Average | 28.92535 |
| Two Hundred Day Average Change | 0.69465065 |
| Two Hundred Day Average Change Percent | 0.024015289 |
| Type Disp | Equity |
| Volume | 344,566 |
| Website | https://www.trupanion.com |
| Zip | 98,108 |