Trupanion
TRUP
24.46
-0.17
-0.69%
Trupanion
US · TRUP
#3196 by market cap
24.46
-0.17
-0.69%
Live - 5344 symbols - heartbeat 209s ago
· 2026-10-08 10:11
Pre-market
24.67
+0.16%
After-hours
24.63
0.00%
- Market cap
- 1.07B
- P/E (TTM)i
- 45.30
- P/Bi
- 2.62
- EPSi
- 0.45
- Div yieldi
- 0.00%
- 52W posi
- 13%
Reader sentiment
Are you bullish or bearish on TRUP?
Anonymous reader poll. Unscientific, not investment advice.
✦ Quant Financial Health how this is computed
Good
- Altman Z-Score is 3.20, above the 3.0 "safe zone" threshold.
- Most reliable for industrial/manufacturing companies; less meaningful for banks, insurers and other financials.
Revenue annual, last 8 years
Latest year +11.95% YoY
Margins
- Gross margin
- 16.05%
- Operating margin
- 7.00%
- Net margin
- 1.35%
Key ratios & quality
- Enterprise valuei
- 814.18M
- Altman Z-Scorei
- 3.20
Altman Z-Score below ~1.8 suggests financial distress risk, above ~3.0 suggests low risk; the model is most reliable for industrial/manufacturing companies and less meaningful for banks and other financial firms.
Income statement
| Line item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 303.96M | 383.94M | 502.03M | 698.99M | 905.18M | 1.11B | 1.29B | 1.44B |
| Gross profit | 51.37M | 64.92M | 81.90M | 104.35M | 122.19M | 131.02M | 178.80M | 231.01M |
| Selling & admin expenses | 42.10M | 53.84M | 69.68M | 31.89M | 39.38M | 60.21M | 63.73M | 76.65M |
| Research & development | 5.80M | 7.03M | 9.95M | 16.87M | 25.13M | 21.40M | 31.26M | 37.85M |
| Operating profit | -1.05M | -1.57M | -4.80M | 43.62M | 46.75M | 36.93M | 67.35M | 100.68M |
| Pretax profit | -934.00K | -1.64M | -5.73M | -35.22M | -44.20M | -45.04M | -9.64M | 21.99M |
| Tax | -7.00K | 169.00K | 113.00K | 310.00K | 476.00K | -342.00K | -5.00K | 2.56M |
| Net profit | -927.00K | -1.81M | -5.84M | -35.53M | -44.67M | -44.69M | -9.63M | 19.43M |
| Basic EPS | 0 | 0 | 0 | -1 | -1 | -1 | 0 | 0 |
| Diluted EPS | -0.03 | -0.05 | -0.16 | -0.89 | -1.10 | -1.08 | -0.23 | 0.45 |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Revenue | 341.98M | 353.56M | 366.92M | 376.85M | 384.05M | 392.93M |
| Gross profit | 51.10M | 54.83M | 60.05M | 65.03M | 61.49M | 65.13M |
| Selling & admin expenses | 19.89M | 20.12M | 18.31M | 18.32M | 19.10M | 19.53M |
| Research & development | 8.07M | 8.59M | 9.89M | 11.30M | 11.29M | 12.75M |
| Operating profit | 19.35M | 22.16M | 27.81M | 31.37M | 27.39M | 29.18M |
| Pretax profit | -1.44M | 10.55M | 6.60M | 6.29M | 5.96M | 7.37M |
| Tax | 39.00K | 1.13M | 726.00K | 663.00K | 1.08M | 542.00K |
| Net profit | -1.48M | 9.41M | 5.87M | 5.63M | 4.88M | 6.83M |
| Basic EPS | 0 | 0 | 0 | 0 | 0 | 0 |
| Diluted EPS | -0.03 | 0.22 | 0.13 | 0.13 | 0.11 | 0.16 |
Balance sheet
| Line item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Total current assets | 117.98M | 158.82M | 337.03M | 390.95M | 469.10M | 562.09M | 597.33M | 691.06M |
| Cash & ST investments | 81.11M | 98.90M | 229.74M | 213.41M | 222.41M | 277.17M | 307.38M | 370.73M |
| Inventory | -- | -- | -- | -- | -- | -- | -- | -- |
| Total assets | 207.51M | 257.20M | 498.25M | 562.58M | 671.63M | 782.95M | 806.85M | 915.04M |
| Total current liabilities | 63.20M | 91.63M | 150.40M | 223.70M | 289.62M | 344.47M | 349.63M | 409.81M |
| Short-term debt | -- | -- | -- | -- | 1.10M | 1.35M | 1.35M | 10.00M |
| Long-term debt | 12.86M | 26.09M | -- | -- | 68.35M | 127.58M | 127.54M | 101.78M |
| Total liabilities | 78,337,000.00 | 120,440,000.00 | 158,311,000.00 | 230,382,000.00 | 366,330,000.00 | 479,226,000.00 | 483,585,000.00 | 531,108,000.00 |
| Total equity | 129.17M | 136.76M | 339.94M | 332.20M | 305.30M | 303.72M | 323.27M | 383.94M |
| Retained earnings | -83.71M | -85.52M | -91.36M | -126.89M | -171.56M | -216.26M | -225.89M | -206.46M |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Total current assets | 628.34M | 629.08M | 668.03M | 691.06M | 705.17M | 719.44M |
| Cash & ST investments | 321.82M | 319.60M | 348.53M | 370.73M | 383.66M | 398.49M |
| Inventory | -- | -- | -- | -- | -- | -- |
| Total assets | 837.16M | 847.79M | 880.17M | 915.04M | 921.58M | 930.81M |
| Total current liabilities | 369.34M | 372.29M | 390.77M | 409.81M | 408.37M | 405.48M |
| Short-term debt | 1.35M | 1.35M | 750.00K | 10.00M | 10.00M | 10.00M |
| Long-term debt | 127.53M | 113.12M | 113.79M | 101.78M | 99.35M | 96.91M |
| Total liabilities | 503,489,000.00 | 492,335,000.00 | 511,611,000.00 | 531,108,000.00 | 526,758,000.00 | 521,141,000.00 |
| Total equity | 333.67M | 355.45M | 368.56M | 383.94M | 394.82M | 409.67M |
| Retained earnings | -227.37M | -217.96M | -212.09M | -206.46M | -201.58M | -194.74M |
Cash flow
| Line item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Operating cash flow | 12.68M | 16.16M | 21.54M | 7.46M | -8.00M | 18.64M | 48.29M | 89.49M |
| Depreciation & amortization | 4.51M | 5.63M | 7.07M | 11.97M | 10.92M | 12.47M | 16.47M | 15.84M |
| Free cash flow | -47.22M | 10.78M | 14.09M | -4.90M | -25.09M | 358.00K | 38.57M | 75.36M |
| Dividends paid | -- | -- | -- | -- | -- | -- | -- | -- |
| Stock buybacks / issuance | 63.83M | -1.67M | 191.15M | 0 | -10.11M | -1.54M | -2.52M | -3.71M |
| Ending cash balance | 27.95M | 30.57M | 146.20M | 100.87M | 84.64M | 170.46M | 199.53M | 171.46M |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Operating cash flow | 15.96M | 15.03M | 29.24M | 29.26M | 14.59M | 20.98M |
| Depreciation & amortization | 3.79M | 3.96M | 4.05M | 4.03M | 3.71M | 3.67M |
| Free cash flow | 14.04M | 12.05M | 23.94M | 25.34M | 13.75M | 19.16M |
| Dividends paid | -- | -- | -- | -- | -- | -- |
| Stock buybacks / issuance | -915.00K | -773.00K | -1.18M | -845.00K | -496.00K | -480.00K |
| Ending cash balance | 206.01M | 164.47M | 188.91M | 171.46M | 182.87M | 178.30M |
Returns & efficiency
| Line item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| ROE %i | -1.04 | -1.36 | -2.45 | -10.57 | -14.01 | -14.68 | -3.07 | 5.50 |
| ROA %i | -0.59 | -0.78 | -1.55 | -6.70 | -7.24 | -6.15 | -1.21 | 2.26 |
| ROIC %i | 0.26 | -0.39 | -2.03 | -10.57 | -10.64 | -8.10 | -1.70 | 4.37 |
| 5-year avg ROE %i | -42.73 | -10.77 | -4.68 | -3.73 | -5.89 | -8.62 | -8.96 | -7.37 |
| EBIT margin %i | 0.09 | -0.08 | -0.87 | -5.04 | -4.41 | -2.97 | 0.38 | 2.48 |
| FCF / sales %i | -- | 2.81 | 2.81 | -- | -- | 0.03 | 3.00 | 5.24 |
| Current ratioi | 1.87 | 1.73 | 2.24 | 1.75 | 1.62 | 1.63 | 1.71 | 1.69 |
| Quick ratioi | 1.78 | 1.67 | 2.19 | 1.69 | 1.57 | 1.58 | 1.66 | 1.64 |
| Debt / assetsi | 6.20 | 10.14 | -- | -- | 10.34 | 16.47 | 15.97 | 12.22 |
| LT debt / equityi | 9.96 | 19.07 | -- | -- | 22.39 | 42.01 | 39.45 | 26.51 |
| Interest coveragei | 0.22 | -0.22 | -3.15 | -3,521.00 | -9.36 | -2.73 | 0.34 | 2.60 |
| Revenue CAGR (3Y) %i | 27.41 | 26.82 | 27.42 | 31.99 | 33.09 | 30.22 | 22.52 | 16.72 |
| Net income CAGR (3Y) %i | -- | -- | -- | -- | -- | -- | -- | -- |
| FCF CAGR (3Y) %i | -- | 52.10 | 29.20 | -- | -- | -70.60 | -- | -- |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| ROE %i | -1.34 | 3.33 | 4.49 | 5.50 | 7.08 | 6.07 |
| ROA %i | -0.52 | 1.34 | 1.82 | 2.26 | 2.93 | 2.61 |
| ROIC %i | 1.54 | 5.24 | 5.82 | 4.37 | 7.59 | 6.60 |
| 5-year avg ROE %i | -- | -- | -- | -- | -- | -- |
| EBIT margin %i | 0.75 | 1.94 | 2.18 | 2.48 | 2.82 | 2.42 |
| FCF / sales %i | 4.03 | 4.51 | 5.13 | 5.24 | 5.07 | 5.40 |
| Current ratioi | 1.70 | 1.69 | 1.71 | 1.69 | 1.73 | 1.77 |
| Quick ratioi | 1.66 | 1.64 | 1.67 | 1.64 | 1.69 | 1.73 |
| Debt / assetsi | 15.39 | 13.50 | 13.01 | 12.22 | 11.87 | 11.49 |
| LT debt / equityi | 38.22 | 31.82 | 30.87 | 26.51 | 25.16 | 23.66 |
| Interest coveragei | 0.70 | 1.87 | 2.33 | 2.60 | 3.37 | 3.48 |
| Revenue CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
| Net income CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
| FCF CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
✦ Quant Revenue Concentration how this is computed
Single-engine
- Subscription business is the largest reported line at 70.42% of revenue, across 2 reported segments.
- The next-largest line, Other Business, is a distant second at 29.58% - a sharp slowdown here would have little to offset it.
Revenue breakdown most recent period
Business
Subscription business70.42%
Other Business29.58%
Quote time 2026-10-08 10:11:13 · For reference only, not investment advice and not tailored to your situation.