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Trupanion Inc (TRUP)



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Upturn Advisory Summary
08/14/2025: TRUP (2-star) is currently NOT-A-BUY. Pass it for now.
1 Year Target Price $56.5
1 Year Target Price $56.5
3 | Strong Buy |
1 | Buy |
2 | Hold |
0 | Sell |
0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -4.88% | Avg. Invested days 31 | Today’s Advisory PASS |
Upturn Star Rating ![]() ![]() | Upturn Advisory Performance ![]() | Stock Returns Performance ![]() |
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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 |
Upturn AI SWOT
Trupanion Inc

Company Overview
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.
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 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
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
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
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.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
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 | Website https://www.trupanion.com |
Full time employees 1130 | Website https://www.trupanion.com |
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.

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