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Trupanion Inc (TRUP)

Upturn stock ratingUpturn stock rating
$49.49
Last Close (24-hour delay)
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PASS
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Upturn Stock infoUpturn Stock info Stock price based on last close
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Upturn Advisory Summary

08/14/2025: TRUP (2-star) is currently NOT-A-BUY. Pass it for now.

Upturn Star Rating

rating

Below Average Performance

These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.

Number of Analysts

rating

6 Analysts rated it

Limited analyst coverage, niche firm, research info may be scarce.

1 Year Target Price $56.5

1 Year Target Price $56.5

Analysts Price Target For last 52 week
$56.5 Target price
52w Low $31
Current$49.49
52w High $57.9

Analysis of Past Performance

Type Stock
Historic Profit -4.88%
Avg. Invested days 31
Today’s Advisory PASS
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 3.0
Stock Returns Performance Upturn Returns Performance 1.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 08/14/2025

Key Highlights

Company Size Mid-Cap Stock
Market Capitalization 2.13B USD
Price to earnings Ratio 197.96
1Y Target Price 56.5
Price to earnings Ratio 197.96
1Y Target Price 56.5
Volume (30-day avg) 6
Beta 1.78
52 Weeks Range 31.00 - 57.90
Updated Date 08/15/2025
52 Weeks Range 31.00 - 57.90
Updated Date 08/15/2025
Dividends yield (FY) -
Basic EPS (TTM) 0.25

Analyzing Revenue: Products, Geography and Growth

Revenue by Products

Product revenue - Year on Year

Revenue by Geography

Geography revenue - Year on Year

Earnings Date

Report Date 2025-08-07
When -
Estimate -0.04
Actual 0.22

Profitability

Profit Margin 0.81%
Operating Margin (TTM) 0.65%

Management Effectiveness

Return on Assets (TTM) 0.65%
Return on Equity (TTM) 3.33%

Valuation

Trailing PE 197.96
Forward PE 1428.57
Enterprise Value 1922676465
Price to Sales(TTM) 1.56
Enterprise Value 1922676465
Price to Sales(TTM) 1.56
Enterprise Value to Revenue 1.41
Enterprise Value to EBITDA 45.28
Shares Outstanding 42994700
Shares Floating 33423630
Shares Outstanding 42994700
Shares Floating 33423630
Percent Insiders 5.81
Percent Institutions 98.87

ai summary icon Upturn AI SWOT

Trupanion Inc

stock logo

Company Overview

overview logo History and Background

Trupanion Inc. was founded in 1998 by Darryl Rawlings. Initially named Vetinsurance.com, the company rebranded to Trupanion in 2005 and has grown to become a leading provider of pet insurance in North America.

business area logo Core Business Areas

  • Pet Medical Insurance: Offers comprehensive medical insurance for cats and dogs, covering unexpected illnesses, injuries, surgeries, and hospital stays. Includes a direct payment option to veterinarians at the time of service.
  • Other Revenue: Includes revenue derived from other programs and relationships with veterinary hospitals and other partners.

leadership logo Leadership and Structure

Darryl Rawlings is the founder and CEO. The company has a traditional corporate structure with a board of directors and various executive leadership positions overseeing different departments.

Top Products and Market Share

overview logo Key Offerings

  • Pet Medical Insurance: Trupanion's core offering is its pet medical insurance. Market share estimates vary, but the company is considered a significant player in the pet insurance market. Competitors include Embrace Pet Insurance, Pets Best, Nationwide, and Healthy Paws. Trupanion has over 1 million enrolled pets.

Market Dynamics

industry overview logo Industry Overview

The pet insurance industry is growing rapidly, driven by increasing pet ownership, rising veterinary costs, and a greater willingness among pet owners to spend on their pets' health.

Positioning

Trupanion positions itself as a premium provider of pet insurance, emphasizing comprehensive coverage, transparency, and direct vet payment options. Their competitive advantage lies in their vet-direct payment system and brand reputation.

Total Addressable Market (TAM)

The TAM for pet insurance is estimated to be tens of billions of dollars. Trupanion is well-positioned to capture a significant share of this market.

Upturn SWOT Analysis

Strengths

  • Strong brand reputation
  • Proprietary vet-direct payment system
  • High customer retention rates
  • Focus on comprehensive coverage

Weaknesses

  • Higher premium prices compared to competitors
  • Limited coverage options for pre-existing conditions
  • Geographic concentration of customers

Opportunities

  • Expansion into new geographic markets
  • Development of new insurance products
  • Strategic partnerships with veterinary hospitals
  • Increased adoption of pet insurance

Threats

  • Increased competition from larger insurance companies
  • Economic downturn impacting consumer spending
  • Changes in regulations affecting the pet insurance industry
  • Rising veterinary costs

Competitors and Market Share

competitor logo Key Competitors

  • PRTK
  • NWLI
  • PETM

Competitive Landscape

Trupanion differentiates itself through its vet-direct payment system and focus on comprehensive coverage. However, it faces competition from larger, more established insurance companies with broader product offerings.

Growth Trajectory and Initiatives

Historical Growth: Trupanion has experienced significant revenue growth in recent years, driven by increased pet insurance adoption.

Future Projections: Analyst estimates should be consulted for future growth projections. These estimates are readily available from most financial analysis platforms.

Recent Initiatives: Recent initiatives include expansion of their vet-direct payment system, investments in marketing and sales, and new partnerships.

Summary

Trupanion is a key player in the growing pet insurance market, driven by a strong brand and unique vet-direct payment system. While facing competition and higher premium prices, its focus on comprehensive coverage and customer retention positions it well. Opportunities exist in expanding geographically and developing new products, but economic downturns and rising vet costs pose potential challenges.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • Trupanion Inc. Investor Relations
  • Industry Reports
  • Financial News Outlets
  • Company Filings (SEC)

Disclaimers:

The information provided is for informational purposes only and should not be considered financial advice. Market share data is based on publicly available estimates and may not be exact. Consult with a qualified financial advisor before making any investment decisions.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.

About Trupanion Inc

Exchange NASDAQ
Headquaters Seattle, WA, United States
IPO Launch date 2014-07-18
President, CEO & Director Ms. Margaret Rosemary Maria Tooth
Sector Financial Services
Industry Insurance - Property & Casualty
Full time employees 1130
Full time employees 1130

Trupanion, Inc., together with its subsidiaries, provides medical insurance for cats and dogs on subscription basis in the United States, Canada, Continental Europe, and Australia. 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. changed its name to Trupanion, Inc. in 2013. The company was founded in 2000 and is headquartered in Seattle, Washington.