TRUP
Trupanion, Inc. Health Care Hospital & Medical Service Plans Russell 3000
$30.13Close
$1.3BMarket cap
$21.46 – $42.4952-week range
Nov 5, 2026Next report · after the close
Highlights
Cautions
- Not in an uptrend 4 of 8 trend conditions
- Far from its high 29% below its 52-week high
- Results soon Nov 5, 2026, in 4 days
Price
Filing Results Screen pick 52-week high and low Adjusted prices
Key figures
Off 12-month high
29%
1wk
up 2.8%
price change
1mo
up 29.0%
price change
12-month return
down 26%
market up 11% ·
its own down 39%
F-score
7 / 9
Strong
Altman Z″
2.14
Moderate risk
P/E
67.3×
price / earnings
PEG
—
P/E / EPS growth
P/B
3.4×
price / book
Earnings yield
up 1.1%
EBIT / enterprise value
Cheaper than
50%
of the market · around average
Revenue growth
up 12%
year on year
EPS growth
—
latest quarter
Sales growth
up 11%
latest quarter · -1 pts
ROE
up 5%
return on equity
Free cash margin
up 5%
$75.4M FCF
D/E
0.27
long-term debt / equity
Net debt / EBITDA
-1.2×
net cash
Interest cover
1.0×EBIT / interest
Piotroski tests
- short-term liquidity weakened
- issued more shares
- profitable on its assets
- generating cash from operations
- profitability improving
- profits backed by cash
- reduced long-term debt
- gross margin widened
- assets working harder
Repair signals
- Long-term debt down 20% ($0.1B → $0.1B)
- Gross margin 13.9% → 16.1%
Trade setup
ATR%
3.4%
$1.03 a day · 2×ATR $28.07
RS
55 / 99
vs the universe
Trend
4 / 8
trend template
Relative volume
0.8×
vs 50-day average
Up/down volume
0.92
50 sessions
Implied move
—
no option chain · report Nov 5, 2026
Trend template · 4 of 8
- Price above the 150 and 200-day averages: passes
- 150-day average above the 200-day: fails
- 200-day average rising for a month: fails
- 50-day average above the 150 and 200-day: passes
- Price above the 50-day average: passes
- At least 30% above the 52-week low: passes
- Within 25% of the 52-week high: fails
- RS rank 70 or higher: fails
Screen verdict
Did not qualify for any screen.
Warning signs
- Interest is covered, but thinly Earnings before interest cover the interest bill 1.0 times, leaving little room if profits fall.
- Shareholders diluted The share count rose 2.2% over the year, from 42m to 43m shares. Each existing share owns a smaller fraction of the company than it did a year ago.
Last reported
Aug 5, 2026
Results reaction
Aug 5, 2026+15% vs market2 sessions after results
Financials
- Gross 16%
- Net 1%
- Free cash 5%
- Cash
- Long-term debt
| FY2020Dec 31, 2020 | FY2021Dec 31, 2021 | FY2022Dec 31, 2022 | FY2023Dec 31, 2023 | FY2024Dec 31, 2024 | FY2025Dec 31, 2025 | |
|---|---|---|---|---|---|---|
| Revenue | $502.0M | $699.0M | $905.2M | $1.1B | $1.3B | $1.4B |
| Gross margin | 16% | 15% | 13% | 12% | 14% | 16% |
| Operating income | -$4.9M | -$35.2M | -$43.0M | -$40.7M | -$9.5M | $13.8M |
| Net income | — | -$35.5M | -$44.7M | -$44.7M | -$9.6M | $19.4M |
| Net margin | — | -5% | -5% | -4% | -1% | 1% |
| Earnings per share | — | -$0.89 | -$1.10 | -$1.08 | -$0.23 | $0.45 |
| Free cash flow | $14.1M | -$4.9M | -$25.1M | $358,000 | $38.6M | $75.4M |
| Free cash margin | 3% | -1% | -3% | 0% | 3% | 5% |
| Cash | $139.9M | $87.4M | $65.6M | $147.5M | $160.3M | $138.0M |
| Long-term debt | $0 | $0 | $68.4M | $127.6M | $127.5M | $101.8M |
| Shareholders' equity | $339.9M | $332.2M | $305.3M | $303.7M | $323.3M | $383.9M |
| Shares outstanding | 39.45m | 40.48m | 41.01m | 41.86m | 42.49m | 43.40m |
Filings
| Filed | Report | Period to | Lag |
|---|---|---|---|
| Aug 5, 2026 | Quarterly ↗ | Jun 30, 2026 | 36d |
| Apr 30, 2026 | Quarterly ↗ | Mar 31, 2026 | 30d |
| Feb 13, 2026 | Annual ↗ | Dec 31, 2025 | 44d |
| Nov 6, 2025 | Quarterly ↗ | Sep 30, 2025 | 37d |
| Aug 7, 2025 | Quarterly ↗ | Jun 30, 2025 | 38d |
| May 1, 2025 | Quarterly ↗ | Mar 31, 2025 | 31d |
| Feb 27, 2025 | Annual ↗ | Dec 31, 2024 | 58d |
| Nov 1, 2024 | Quarterly ↗ | Sep 30, 2024 | 32d |
| Aug 9, 2024 | Quarterly ↗ | Jun 30, 2024 | 40d |
| May 3, 2024 | Quarterly ↗ | Mar 31, 2024 | 33d |
| Feb 27, 2024 | Annual ↗ | Dec 31, 2023 | 58d |
| Nov 3, 2023 | Quarterly ↗ | Sep 30, 2023 | 34d |
Current reports
| Filed | Disclosed |
|---|---|
| Aug 5, 2026 | Results · Other events ↗ |
| Jun 15, 2026 | Shareholder vote ↗ |
| Apr 30, 2026 | Results ↗ |
| Apr 27, 2026 | Director or officer change · Regulation FD ↗ |
| Feb 12, 2026 | Results ↗ |
| Nov 6, 2025 | Material agreement · Agreement ended · Results · New obligation ↗ |
| Oct 30, 2025 | Director or officer change ↗ |
| Aug 7, 2025 | Results ↗ |
| Jun 17, 2025 | Shareholder vote ↗ |
| May 15, 2025 | Other events ↗ |
| May 1, 2025 | Results ↗ |
| Feb 19, 2025 | Results ↗ |