Companies / TRUP Trupanion, Inc. (TRUP)
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.
Ticker TRUP Exchange Nasdaq Sector Financial Services Industry Insurance - Property & Casualty Market cap $1.59B 52-week range $21.16 - $46.98 Valuation Share price $36.75 (close of Nov 6, 2026) P/E (TTM) 61.25x Price to book 3.98x Price to free cash flow 18.34x Enterprise value $1.30B Book value per share $9.23 Price performance Period Change 1 day +5.85% 5 days +21.97% 1 month +48.91% 3 months +30.50% 6 months +47.47% Year to date -1.66% 1 year -12.69% 3 years +57.05% 5 years -71.44% 10 years +144.02% All time +222.37%
Short interest As of Oct 15, 2026 Short % of float 10.10% Shares short 3.68M Days to cover 9.31 Change since prior report -5.25% Source FINRA consolidated short interest Profitability and growth Return on equity 5.06% Return on assets 2.12% Net margin 1.35% Revenue growth 11.95% Free cash flow growth 95.38% Cash flow and balance sheet Free cash flow yield (TTM) 5.45% Current ratio 1.74x Net debt to EBITDA -5.60x Latest reported year Period end Dec 31, 2025 Fiscal year 2025 Revenue $1.44B Net income $19.43M Earnings per share $0.45 Interest expense $13.76M Shares outstanding 42.96M Income statement by year Period end Revenue Net income EPS 2025-12-31 $1.44B $19.43M $0.45 2024-12-31 $1.29B -$9.63M -$0.23 2023-12-31 $1.11B -$44.69M -$1.08 2022-12-31 $905.18M -$44.67M -$1.10 2021-12-31 $698.99M -$35.53M -$0.89 2020-12-31 $502.03M -$5.84M -$0.16 2019-12-31 $383.94M -$1.81M -$0.05 2018-12-31 $303.96M -$927.00K -$0.03 2017-12-31 $242.67M -$1.50M -$0.05 2016-12-31 $188.23M -$6.90M -$0.24
Margins and returns by year Period end Net margin Return on equity 2025-12-31 1.35% 5.06% 2024-12-31 -0.75% -2.98% 2023-12-31 -4.03% -14.72% 2022-12-31 -4.94% -14.63% 2021-12-31 -5.08% -10.70% 2020-12-31 -1.16% -1.72% 2019-12-31 -0.47% -1.32% 2018-12-31 -0.30% -0.72% 2017-12-31 -0.62% -3.10% 2016-12-31 -3.66% -15.42%
Cash and debt by year Period end Cash Debt 2025-12-31 $370.73M $101.78M 2024-12-31 $307.38M $127.54M 2023-12-31 $277.17M $127.58M 2022-12-31 $222.41M $68.35M 2021-12-31 $213.41M - 2020-12-31 $229.74M - 2019-12-31 $98.90M $26.09M 2018-12-31 $81.11M $12.86M 2017-12-31 $63.30M $9.32M 2016-12-31 $53.21M $4.77M
Free cash flow by year Period end Free cash flow Stock-based compensation 2025-12-31 $75.36M $38.31M 2024-12-31 $38.57M $33.43M 2023-12-31 $358.00K $33.16M 2022-12-31 -$25.09M $33.39M 2021-12-31 -$4.90M $28.23M 2020-12-31 $14.09M $8.91M 2019-12-31 $10.78M $6.85M 2018-12-31 -$44.26M $4.78M 2017-12-31 $6.54M $3.42M 2016-12-31 $3.06M $2.95M
Investor relations Past earnings dates Reported Fiscal period EPS estimate 2026-11-05 Sep 2026 $0.16 2026-08-05 Jun 2026 $0.11 2026-04-30 Mar 2026 $0.07 2026-02-12 Dec 2025 $0.14 2025-11-06 Sep 2025 $0.06 2025-08-07 Jun 2025 -$0.03 2025-05-01 Mar 2025 -$0.04 2025-02-19 Dec 2024 $0.06
Filings and sources Company website trupanion.com SEC filings 10-K, 10-Q and 8-K on EDGAR Earnings calendar All upcoming reports Similar companies Chubb Ltd (CB) · Progressive Corp (PGR) · Travelers Companies, Inc. (TRV) · Allstate Corp (ALL) · W. R. Berkley Corp (WRB) · Cincinnati Financial Corp (CINF) · Markel Group Inc. (MKL) · Loews Corp (L)
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