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: $21.60 to $22.27
• 50-Day Range: $21.69 to $28.88
• 52-Week Range: $21.16 to $57.88
• Volume: 400,733 shs
• Average Volume: 397,014 shs
• Market Capitalization: $951.79 million
• P/E Ratio: 36.98
• Dividend Yield: N/A
• Price Target: $42.25
• Consensus Rating: Hold

Trupanion Stock Analysis - MarketRank™

Trupanion scored higher than 67% of companies evaluated by MarketBeat, and ranked 490th out of 880 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: 3.9 / 5
• Analyst Rating: Hold

Consensus Rating

Trupanion has received a consensus rating of Hold. The company's average rating score is 2.17, and is based on no strong buy ratings, 2 buy ratings, 3 hold ratings, and 1 sell rating.

Upside Potential

Trupanion has a consensus price target of $42.25, representing about 93.6% upside from its current price of $21.82.

Amount of Analyst Coverage

Trupanion has only been the subject of 4 research reports in the past 90 days.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 33.96%

Earnings Growth

Earnings for Trupanion are expected to grow by 33.96% in the coming year, from $0.53 to $0.71 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Trupanion is 36.98, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 44.88.

Price to Earnings Ratio vs. Sector

The P/E ratio of Trupanion is 36.98, which means that it is trading at a more expensive P/E ratio than the Finance sector average P/E ratio of about 23.99.

Price to Book Value per Share Ratio

Trupanion has a P/B Ratio of 2.41. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

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

Percentage of Shares Shorted

9.05% 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 8.91.

Change versus previous month

Short interest in Trupanion has recently increased by 1.38%, indicating that investor sentiment is decreasing.

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.

News and Social Media

• Score: 2.0 / 5
• News Sentiment: 0.15

News Sentiment

Trupanion has a news sentiment score of 0.15. 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 is a lower news sentiment than the 0.81 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 9 news articles for Trupanion this week, compared to 4 articles on an average week.

Search Interest

Only 1 people have searched for TRUP on MarketBeat in the last 30 days. This is a decrease of -50% compared to the previous 30 days.

Company Ownership

• Score: 0.9 / 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 $389,876.00 in company stock.

Percentage Held by Insiders

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

Percentage Held by Institutions

Trupanion has minimal institutional ownership at this time.

Company Calendar

• Last Earnings: 4/30/2026
• Today: 5/30/2026
• Next Earnings (Estimated): 8/06/2026
• Fiscal Year End: 12/31/2026

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: 1,121
• Year Founded: 1998

Price Target and Rating

• Average Price Target for Trupanion: $42.25
• High Price Target: $59.00
• Low Price Target: $31.00
• Potential Upside/Downside: +93.6%
• Consensus Rating: Hold
• Rating Score (0-4): 2.17
• Research Coverage: 6 Analysts

Profitability

• EPS (Trailing Twelve Months): $0.59
• Trailing P/E Ratio: 36.98
• Forward P/E Ratio: 41.17
• P/E Growth: N/A
• Net Income: $19.43 million
• Net Margins: 1.74%
• Pretax Margin: 1.98%
• Return on Equity: 6.87%
• Return on Assets: 2.89%

Debt

• Debt-to-Equity Ratio: 0.25
• Current Ratio: 1.73
• Quick Ratio: 1.73

Sales & Book Value

• Annual Sales: $1.44 billion
• Price / Sales: 0.66
• Cash Flow: $0.83 per share
• Price / Cash Flow: 26.29
• Book Value: $9.05 per share
• Price / Book: 2.41

Miscellaneous

• Outstanding Shares: 43,620,000
• Free Float: 41,256,000
• Market Cap: $951.79 million
• Optionable: Optionable
• Beta: 1.49