Valuation Update With 7 Day Price Move • 4h
Investor sentiment improves as stock rises 26% After last week's 26% share price gain to €26.40, the stock trades at a forward P/E ratio of 50x. Average forward P/E is 10x in the Insurance industry in Germany. Total returns to shareholders of 3.1% over the past three years. Annonce • Aug 08
Trupanion, Inc. Announces Earnings Guidance for Third Quarter and Full Year 2026 Trupanion, Inc. announced earnings guidance for third quarter and full year 2026. For the third quarter, total revenue is expected to be in the range of $399 million to $405 million. Subscription revenue is expected to be between $284 million and $287 million, representing approximately 13% year-over-year growth at the midpoint.
For full year, the company now expect total revenue in the range of $1.584 billion to $1.601 billion. The company narrowing the range for subscription revenue, which is now expected to be between $1.124 billion and $1.133 billion. The midpoint of the range is increasing slightly and continues to represent approximately 14% year-over-year growth. Reported Earnings • Aug 06
Second quarter 2026 earnings released: EPS: US$0.16 (vs US$0.22 in 2Q 2025) Second quarter 2026 results: EPS: US$0.16 (down from US$0.22 in 2Q 2025). Revenue: US$392.9m (up 11% from 2Q 2025). Net income: US$6.83m (down 27% from 2Q 2025). Profit margin: 1.7% (down from 2.7% in 2Q 2025). Revenue is forecast to grow 8.5% p.a. on average during the next 3 years, compared to a 5.3% growth forecast for the Insurance industry in Europe. Over the last 3 years on average, earnings per share has increased by 118% per year but the company’s share price has fallen by 10% per year, which means it is significantly lagging earnings. Annonce • Jul 17
Trupanion, Inc. to Report Q2, 2026 Results on Aug 05, 2026 Trupanion, Inc. announced that they will report Q2, 2026 results After-Market on Aug 05, 2026 Annonce • Apr 29
Trupanion, Inc., Annual General Meeting, Jun 10, 2026 Trupanion, Inc., Annual General Meeting, Jun 10, 2026. Location: 6100 4th avenue south, washington 98108., seattle United States Annonce • Apr 17
Trupanion, Inc. to Report Q1, 2026 Results on Apr 30, 2026 Trupanion, Inc. announced that they will report Q1, 2026 results After-Market on Apr 30, 2026 Annonce • Feb 13
Trupanion, Inc. Reports Goodwill Impairment Charges for the Fourth Quarter Ended December 31, 2025 Trupanion, Inc. reported goodwill impairment charges for the fourth quarter ended December 31, 2025. The company's goodwill impairment charges were $1,129,000 against $5,299,000 a year ago. Annonce • Jan 23
Trupanion, Inc. to Report Q4, 2025 Results on Feb 12, 2026 Trupanion, Inc. announced that they will report Q4, 2025 results After-Market on Feb 12, 2026 Annonce • Oct 31
Trupanion, Inc. Appoints Bradley Powell to Board of Directors Trupanion, Inc. announced the appointment of Bradley Powell, former Chief Financial Officer of Expeditors International of Washington, to the Company’s Board of Directors. Mr. Powell served as Chief Financial Officer at Expeditors International of Washington, Inc., from October 2008 to September 2025. Prior to joining Expeditors, Mr. Powell served as Chief Financial Officer of Eden Bioscience Corporation, a publicly traded biotechnology company, from July 1998 to September 2008, during which time he led the company through a successful initial public offering in 2000. Mr. Powell holds a BS in Accounting from Central Washington University. Annonce • Oct 22
Trupanion, Inc. to Report Q3, 2025 Results on Nov 06, 2025 Trupanion, Inc. announced that they will report Q3, 2025 results After-Market on Nov 06, 2025 Annonce • Jul 18
Trupanion, Inc. to Report Q2, 2025 Results on Aug 07, 2025 Trupanion, Inc. announced that they will report Q2, 2025 results After-Market on Aug 07, 2025 Annonce • May 01
Trupanion, Inc., Annual General Meeting, Jun 11, 2025 Trupanion, Inc., Annual General Meeting, Jun 11, 2025. Location: at 6100 4th avenue south, washington 98108, seattle, United States Annonce • Apr 18
Trupanion, Inc. to Report Q1, 2025 Results on May 01, 2025 Trupanion, Inc. announced that they will report Q1, 2025 results After-Market on May 01, 2025 Annonce • Feb 22
Trupanion, Inc. Reports Unaudited Impairment Results for the Fourth Quarter Ended December 31, 2024 Trupanion, Inc. reported unaudited impairment results for the fourth quarter ended December 31, 2024. For the quarter, the company reported Goodwill impairment charges was $5,299,000. Annonce • Jan 23
Trupanion, Inc. to Report Q4, 2024 Results on Feb 19, 2025 Trupanion, Inc. announced that they will report Q4, 2024 results After-Market on Feb 19, 2025 Reported Earnings • Nov 01
Third quarter 2024 earnings released: EPS: US$0.034 (vs US$0.097 loss in 3Q 2023) Third quarter 2024 results: EPS: US$0.034 (up from US$0.097 loss in 3Q 2023). Revenue: US$327.5m (up 15% from 3Q 2023). Net income: US$1.43m (up US$5.46m from 3Q 2023). Profit margin: 0.4% (up from net loss in 3Q 2023). Revenue is forecast to grow 5.0% p.a. on average during the next 3 years, compared to a 4.9% growth forecast for the Insurance industry in Europe. Over the last 3 years on average, earnings per share has increased by 10% per year but the company’s share price has fallen by 24% per year, which means it is significantly lagging earnings. Annonce • Oct 15
Trupanion, Inc. to Report Q3, 2024 Results on Oct 30, 2024 Trupanion, Inc. announced that they will report Q3, 2024 results After-Market on Oct 30, 2024 New Risk • Aug 09
New minor risk - Profitability The company is currently unprofitable and not forecast to become profitable over the next year. Trailing 12-month net loss: US$19m Forecast net loss in 1 year: US$1.0m This is considered a minor risk. Companies that are not profitable are more likely to be burning through cash and less likely to be well established. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. Without profits, the company is under pressure to grow significantly while potentially having to reduce costs and possibly needing to take on debt or raise capital to remain afloat. Currently, the following risks have been identified for the company: Major Risk Share price has been highly volatile over the past 3 months (11% average weekly change). Minor Risk Currently unprofitable and not forecast to become profitable next year (US$1.0m net loss next year). Breakeven Date Change • Aug 09
Forecast to breakeven in 2025 The 7 analysts covering Trupanion expect the company to break even for the first time. New consensus forecast suggests losses will reduce by 76% to 2024. The company is expected to make a profit of US$8.90m in 2025. Average annual earnings growth of 145% is required to achieve expected profit on schedule. Reported Earnings • Aug 09
Second quarter 2024 earnings released: US$0.14 loss per share (vs US$0.33 loss in 2Q 2023) Second quarter 2024 results: US$0.14 loss per share (improved from US$0.33 loss in 2Q 2023). Revenue: US$314.8m (up 16% from 2Q 2023). Net loss: US$5.86m (loss narrowed 57% from 2Q 2023). Revenue is forecast to grow 7.7% p.a. on average during the next 3 years, compared to a 5.5% growth forecast for the Insurance industry in Europe. Over the last 3 years on average, earnings per share has fallen by 3% per year but the company’s share price has fallen by 28% per year, which means it is performing significantly worse than earnings. New Risk • Aug 06
New minor risk - Profitability The company is currently unprofitable and not forecast to become profitable over the next 3 years. Trailing 12-month net loss: US$27m Forecast net loss in 3 years: US$4.0m This is considered a minor risk. Companies that are not profitable are more likely to be burning through cash and less likely to be well established. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. Without profits, the company is under pressure to grow significantly while potentially having to reduce costs and possibly needing to take on debt or raise capital to remain afloat. Currently, the following risks have been identified for the company: Major Risk Share price has been highly volatile over the past 3 months (12% average weekly change). Minor Risk Currently unprofitable and not forecast to become profitable over next 3 years (US$4.0m net loss in 3 years). Annonce • Jul 19
Trupanion, Inc. to Report Q2, 2024 Results on Aug 08, 2024 Trupanion, Inc. announced that they will report Q2, 2024 results at 4:00 PM, US Eastern Standard Time on Aug 08, 2024 Breakeven Date Change • Jun 05
No longer forecast to breakeven The 7 analysts covering Trupanion no longer expect the company to break even during the foreseeable future. The company was expected to make a profit of US$766.7k in 2026. New consensus forecast suggests the company will make a loss of US$1.77m in 2026. Recent Insider Transactions • May 14
Founder recently bought €464k worth of stock On the 7th of May, Darryl Graham Rawlings bought around 21k shares on-market at roughly €22.39 per share. This transaction amounted to 3.5% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. This was Darryl Graham's only on-market trade for the last 12 months. Breakeven Date Change • May 05
No longer forecast to breakeven The 7 analysts covering Trupanion no longer expect the company to break even during the foreseeable future. The company was expected to make a profit of US$2.45m in 2025. New consensus forecast suggests the company will make a loss of US$850.0k in 2026. Reported Earnings • May 03
First quarter 2024 earnings released: US$0.16 loss per share (vs US$0.60 loss in 1Q 2023) First quarter 2024 results: US$0.16 loss per share (improved from US$0.60 loss in 1Q 2023). Revenue: US$306.1m (up 19% from 1Q 2023). Net loss: US$6.85m (loss narrowed 72% from 1Q 2023). Revenue is forecast to grow 8.9% p.a. on average during the next 3 years, compared to a 4.5% growth forecast for the Insurance industry in Europe. Over the last 3 years on average, earnings per share has fallen by 18% per year but the company’s share price has fallen by 31% per year, which means it is performing significantly worse than earnings. Annonce • May 03
Trupanion, Inc. Announces Chief Executive Officer Changes Trupanion, Inc. announced that its Board of Directors has unanimously approved the appointment of Margi Tooth to Chief Executive Officer, effective August 1, 2024. Tooth’s appointment to CEO marks the culmination of a multi-year, board-led process. Tooth will also continue as President and hold the dual titles of CEO and President. Additionally, Tooth is anticipated to be appointed to Trupanion’s Board of Directors during its July meeting. Trupanion’s founder and outgoing CEO Darryl Rawlings will continue to serve in the role of Chair of the Board, in which capacity he will continue to oversee the Company’s board of directors. Tooth holds nearly two decades of experience as a growth-oriented leader within the pet insurance category. Her tenure includes over seven years with the UK’s larger pet insurance provider, during which time the category saw tremendous growth, reaching approximately 25% penetration. Tooth’s appointment to CEO follows a proven career at Trupanion, spanning over a decade in leadership positions of increasing responsibility including Chief Marketing Officer, Chief Revenue Officer and as of January of 2021, President. During her time at Trupanion, Tooth has played a pivotal role in the company's growth and success, overseeing the execution of its strategic plan which includes diversifying into new channels, products, and geographies, while ensuring that the core Trupanion product, designed with the heart of the veterinary community in mind, remains front and center. Under her leadership, Trupanion has achieved significant milestones, including surpassing $1 billion in revenue, reaching over 1 million subscription pets, and paying out nearly $3 billion in veterinary invoices. Additionally, Tooth's leadership has led to improving operational efficiency through targeted overhauls in several departments. Ms. Tooth's extensive experience, including serving as President of Trupanion since 2021, coupled with her deep understanding of the pet insurance industry, strongly positions her to lead Trupanion into its next phase of growth in its global underpenetrated markets, while staying aligned with the needs of veterinarians and pet owners. Rawlings once again confirmed his commitment to serve as Chair of the Board until 2035, if amenable to shareholders. In addition to serving as Chair of the Board, Rawlings will enter into a consulting agreement with Trupanion to provide services related to the development of the Company’s food initiative. Annonce • Apr 24
Trupanion Introduces truInsights: A Pet Health Data Initiative Trupanion announced the launch of truInsights, an initiative designed to deliver valuable health-related data and insights to pet parents. This initiative will provide a series of discussions covering topics relevant to everyday pet health, offering data-driven insights and practical advice to pet parents. Trupanion’s years of pet health data and deep connections across the veterinary space enable an abundance of ‘truInsights’ to illuminate everyday pet health considerations. Pet parents, veterinarians, and all those invested in pet well-being can anticipate a series of engaging resources from truInsights, including informative releases, podcasts and more, all aimed at promoting a deeper understanding of pet health and fostering a stronger bond between pets and their caregivers. Annonce • Apr 21
Trupanion, Inc. to Report Q1, 2024 Results on May 02, 2024 Trupanion, Inc. announced that they will report Q1, 2024 results After-Market on May 02, 2024 Annonce • Apr 05
Daniel “Dan” Levitan and Zay Satchu, Members of the Board of Directors Will Not Stand for Re-Election of Trupanion, Inc On April 2, 2024, Daniel “Dan” Levitan and Dr. Zay Satchu, each a member of the Board of Directors (the “Board”) of Trupanion, Inc. (“ Trupanion ”), notified Trupanion that they will not stand for re-election at the upcoming Annual Stockholders’ Meeting to be held in June 2024 (“ 2024 Annual Meeting ”). Neither Mr. Levitan’s nor Dr. Satchu’s decision not to stand for re-election was a result of any disagreement with Trupanion or the Board. Each of Mr. Levitan and Dr. Satchu have indicated their intention to continue to serve as a director of Trupanion until the 2024 Annual Meeting. Breakeven Date Change • Feb 18
Forecast breakeven date moved forward to 2025 The 7 analysts covering Trupanion previously expected the company to break even in 2026. New consensus forecast suggests losses will reduce by 61% to 2024. The company is expected to make a profit of US$2.74m in 2025. Average annual earnings growth of 93% is required to achieve expected profit on schedule. Reported Earnings • Feb 16
Full year 2023 earnings released: US$1.08 loss per share (vs US$1.10 loss in FY 2022) Full year 2023 results: US$1.08 loss per share. Revenue: US$1.11b (up 23% from FY 2022). Net loss: US$44.7m (flat on FY 2022). Revenue is forecast to grow 9.3% p.a. on average during the next 3 years, compared to a 8.0% growth forecast for the Insurance industry in Germany. Annonce • Feb 09
Trupanion, Inc. to Report Q4, 2023 Results on Feb 15, 2024 Trupanion, Inc. announced that they will report Q4, 2023 results After-Market on Feb 15, 2024 Breakeven Date Change • Dec 31
Forecast to breakeven in 2026 The 7 analysts covering Trupanion expect the company to break even for the first time. New consensus forecast suggests the company will make a profit of US$9.25m in 2026. Average annual earnings growth of 70% is required to achieve expected profit on schedule. Recent Insider Transactions • Dec 05
Insider recently sold €243k worth of stock On the 30th of November, Steve Weinrauch sold around 10k shares on-market at roughly €23.94 per share. This transaction amounted to 24% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of €467k more than they bought in the last 12 months. Annonce • Nov 09
Trupanion, Inc. Appoints Richard Enthoven as an Independent Director Trupanion, Inc. has appointed Richard Enthoven, Director at PetSure Australia and Hollard Holdings Australia, as an independent director to the Company’s Board of Directors, effective November 7, 2023. Richard Enthoven, 53, serves on the Board of Directors of PetSure in Australia, where he previously served as Chair until December 2022. He is also involved with the Hollard Insurance Group in Australia, leading it as CEO until 2021 and currently serving as a Non-Executive Director. He is also the Chairman of Greenstone, Australia's leading direct life insurance operation. Mr. Enthoven holds an MSc degree from the London School of Economics and a B. A from the University of Southern California. Mr. Enthoven was chosen to serve on the Board based on his significant industry experience, track record growing global businesses, and strategic alignment. Since January of 2023, Trupanion has added four independent directors to its Board. Reported Earnings • Nov 03
Third quarter 2023 earnings released: US$0.097 loss per share (vs US$0.32 loss in 3Q 2022) Third quarter 2023 results: US$0.097 loss per share (improved from US$0.32 loss in 3Q 2022). Revenue: US$285.9m (up 22% from 3Q 2022). Net loss: US$4.04m (loss narrowed 69% from 3Q 2022). Revenue is forecast to grow 11% p.a. on average during the next 3 years, compared to a 3.7% growth forecast for the Insurance industry in Germany. Over the last 3 years on average, earnings per share has fallen by 50% per year but the company’s share price has only fallen by 36% per year, which means it has not declined as severely as earnings. Annonce • Oct 18
Trupanion, Inc. to Report Q3, 2023 Results on Nov 02, 2023 Trupanion, Inc. announced that they will report Q3, 2023 results After-Market on Nov 02, 2023 Annonce • Sep 07
Trupanion, Inc. Announces Appointment of Fawwad Qureshi as Chief Financial Officer on September 25, 2023 Trupanion, Inc. announced the appointment of Fawwad Qureshi as Chief Finance Officer. Mr. Qureshi will officially join Trupanion on September 25, 2023. Mr. Qureshi joins Trupanion with over 20 years of senior-level financial experience, successfully steering growth in revenue and profitability for publicly-traded, global growth companies. Notably, during his most recent tenure at Expedia Group as Senior Vice President of Finance and CFO of Brands, Qureshi had full P&L and commercial responsibility for its over $9 billion portfolio of world-class consumer brands including Expedia, Vrbo, Hotels.com, Orbitz and Travelocity. Prior to Expedia, Qureshi acted as the CFO for Nike Global Technology, where he managed its omni-channel portfolio of technology investments, covering digital product development for consumer-facing, e-commerce properties. Prior to that, he worked at Intel in finance positions of increasing seniority. Mr. Qureshi holds a Master of Business Administration from Boston University and a Bachelor of Arts from St. Olaf College. Wei Li, who has acted as interim CFO since June, will remain with Trupanion in the capacity of SVP, Finance and Corporate Controller. Reported Earnings • Aug 04
Second quarter 2023 earnings released: US$0.33 loss per share (vs US$0.33 loss in 2Q 2022) Second quarter 2023 results: US$0.33 loss per share. Revenue: US$270.6m (up 23% from 2Q 2022). Net loss: US$13.7m (flat on 2Q 2022). Revenue is forecast to grow 12% p.a. on average during the next 3 years, compared to a 3.9% growth forecast for the Insurance industry in Germany. Annonce • Jul 14
Trupanion, Inc. to Report Q2, 2023 Results on Aug 03, 2023 Trupanion, Inc. announced that they will report Q2, 2023 results After-Market on Aug 03, 2023 Annonce • Jul 06
Trupanion, Inc. Announces Appointment of Max Brodn as Independent Director Trupanion, Inc. announced that Max Brodn, Chief Financial Officer of Aflac Incorporated, has been appointed to serve as an independent director effective July 4, 2023. This appointment expands the Board to nine directors, eight of whom are independent. With over 17 years of experience and leadership managing global financial and insurance portfolios, Mr. Brodn is currently the Executive Vice President and Chief Financial Officer of Aflac Incorporated where he has served in various leadership roles of ascending responsibility since April 2017. Before joining Aflac Incorporated, Mr. Brodn served as senior portfolio manager at Norges Bank from 2007 to 2017, managing an equity portfolio of global financial and insurance stocks. Mr. Brodn holds a Master of Science in both accounting and finance from Stockholm School of Economics. Reported Earnings • May 06
First quarter 2023 earnings released: US$0.60 loss per share (vs US$0.22 loss in 1Q 2022) First quarter 2023 results: US$0.60 loss per share (further deteriorated from US$0.22 loss in 1Q 2022). Revenue: US$256.3m (up 24% from 1Q 2022). Net loss: US$24.8m (loss widened 180% from 1Q 2022). Revenue is forecast to grow 12% p.a. on average during the next 3 years, compared to a 5.6% growth forecast for the Insurance industry in Germany. Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 62 percentage points per year, which is a significant difference in performance. Recent Insider Transactions • Mar 01
Independent Director & Consultant recently sold €194k worth of stock On the 28th of February, Howard Rubin sold around 4k shares on-market at roughly €55.44 per share. This transaction amounted to 1.5% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of €956k more than they bought in the last 12 months. Annonce • Feb 18
Trupanion, Inc. Provides Earnings Guidance for the First Quarter and Full Year of 2023 Trupanion, Inc. provided earnings guidance for the first quarter and full year of 2023. As for the first quarter, total revenue is expected to be in the range of $249 million to $253 million. revenue is expected to be in the range of $164 million to $165 million. This is 18% year-over-year growth at the midpoint. For the full year of 2023, the company are now planning to grow revenue in the range of $1.32 billion to $1.64 billion. This is approximately 16% growth at the midpoint. The company are planning to grow subscription revenue in the range of $700 million to $720 million, representing 19% year-over-year growth at the midpoint. Reported Earnings • Feb 17
Full year 2022 earnings released: US$1.10 loss per share (vs US$0.89 loss in FY 2021) Full year 2022 results: US$1.10 loss per share (further deteriorated from US$0.89 loss in FY 2021). Revenue: US$905.2m (up 30% from FY 2021). Net loss: US$44.7m (loss widened 26% from FY 2021). Revenue is forecast to grow 14% p.a. on average during the next 3 years, compared to a 4.1% growth forecast for the Insurance industry in Germany. Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 99 percentage points per year, which is a significant difference in performance. Annonce • Jan 26
Trupanion, Inc. to Report Q4, 2022 Results on Feb 15, 2023 Trupanion, Inc. announced that they will report Q4, 2022 results at 4:00 PM, US Eastern Standard Time on Feb 15, 2023 Board Change • Nov 16
Insufficient new directors No new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 7 experienced directors. 5 highly experienced directors. Independent Director Jackie Davidson was the last director to join the board, commencing their role in 2018. The following issues are considered to be risks according to the Simply Wall St Risk Model: Insufficient board refreshment. Reported Earnings • Nov 05
Third quarter 2022 earnings released: US$0.32 loss per share (vs US$0.17 loss in 3Q 2021) Third quarter 2022 results: US$0.32 loss per share (further deteriorated from US$0.17 loss in 3Q 2021). Revenue: US$233.8m (up 29% from 3Q 2021). Net loss: US$12.9m (loss widened 89% from 3Q 2021). Revenue is forecast to grow 17% p.a. on average during the next 3 years, compared to a 4.1% growth forecast for the Insurance industry in Germany. Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 97 percentage points per year, which is a significant difference in performance. Annonce • Nov 05
Trupanion, Inc. (NasdaqGM:TRUP) entered into a definitive agreement to acquire PetExpert Europe s.r.o.. Trupanion, Inc. (NasdaqGM:TRUP) entered into a definitive agreement to acquire PetExpert Europe s.r.o. on November 3, 2022. The transaction is expected to close in the fourth quarter of 2022 and no additional terms were disclosed. Annonce • Nov 04
Trupanion, Inc. (NasdaqGM:TRUP) has signed a definitive agreement to acquire Royal Blue s.r.o. Trupanion, Inc. (NasdaqGM:TRUP) has signed a definitive agreement to acquire Royal Blue s.r.o on November 03, 2022. Royal Blue s.r.o is the parent company of PetExpert, a veterinary-centric pet insurance provider with tens of thousands of policies and operations in the Czech Republic and Slovakia. The transaction is expected to close in the fourth quarter of 2022. Annonce • Oct 19
Trupanion, Inc. to Report Q3, 2022 Results on Nov 03, 2022 Trupanion, Inc. announced that they will report Q3, 2022 results at 4:00 PM, US Eastern Standard Time on Nov 03, 2022 Recent Insider Transactions • Oct 05
Founder recently sold €250k worth of stock On the 30th of September, Darryl Graham Rawlings sold around 4k shares on-market at roughly €62.60 per share. This transaction amounted to less than 1% of their direct individual holding at the time of the trade. In the last 3 months, there was an even bigger sale from another insider worth €487k. Darryl Graham has been a net seller over the last 12 months, reducing personal holdings by €304k. Annonce • Sep 08
Trupanion, Inc. (NasdaqGM:TRUP) acquired Smart Paws GmbH. Trupanion, Inc. (NasdaqGM:TRUP) acquired Smart Paws GmbH on August 31, 2022.
Trupanion, Inc. (NasdaqGM:TRUP) completed the acquisition of Smart Paws GmbH on August 31, 2022. Recent Insider Transactions • Aug 27
Insider recently sold €217k worth of stock On the 24th of August, Gavin Friedman sold around 3k shares on-market at roughly €72.33 per share. In the last 3 months, there was an even bigger sale from another insider worth €487k. Insiders have been net sellers, collectively disposing of €1.3m more than they bought in the last 12 months. Recent Insider Transactions • Aug 11
President recently sold €487k worth of stock On the 8th of August, Margaret Tooth sold around 7k shares on-market at roughly €70.47 per share. This was the largest sale by an insider in the last 3 months. Margaret has been a seller over the last 12 months, reducing personal holdings by €551k. Annonce • Aug 10
Trupanion Appoints Brenna McGibney as Chief People Officer Trupanion announced that it has hired Brenna McGibney to lead its global human resources efforts. In her role as Chief People Officer, McGibney will lead Trupanion’s global people operations to support team members in the U.S., Canada, the U.K., and all future international geographies. This role is essential to the execution of organizational growth strategy, while supporting Trupanion’s team culture and DEIB goals. With her more than 20-years of global HR experience, McGibney brings expertise in these critical areas to support the recruitment, development, and nurturing of the Trupanion team as it expands to a worldwide presence. McGibney joins Trupanion from MCAN Financial Group, Toronto – a leading Canadian real estate investment firm – where she was Vice President of Human Resources and Corporate Communications. Prior to MCAN, McGibney directed a global team as Vice President, Talent and Associate Experience for LoyaltyOne, a global provider of consumer loyalty solutions. Reported Earnings • Aug 04
Second quarter 2022 earnings released: US$0.33 loss per share (vs US$0.23 loss in 2Q 2021) Second quarter 2022 results: US$0.33 loss per share (down from US$0.23 loss in 2Q 2021). Revenue: US$219.4m (up 30% from 2Q 2021). Net loss: US$13.6m (loss widened 48% from 2Q 2021). Over the next year, revenue is forecast to grow 22%, compared to a 22% growth forecast for the industry in Germany. Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 122 percentage points per year, which is a significant difference in performance. Annonce • Jul 14
Trupanion, Inc. to Report Q2, 2022 Results on Aug 03, 2022 Trupanion, Inc. announced that they will report Q2, 2022 results After-Market on Aug 03, 2022 Annonce • Jun 09
Trupanion, Inc. Announces Management Changes Trupanion, Inc. announced that it has hired Tom Vaughan to lead its marketing and conversion efforts. In his role as Senior Vice President, Conversion Marketing, Vaughan will oversee all aspects of acquisition, retention, and branded communications and campaigns for Trupanion. By driving conversion efforts this role will be pivotal in growing the number of Trupanion insured pets while helping more pet parents budget and care for their pets. An experienced senior leader in the animal health industry, Vaughan joins Trupanion from the UK arm of Swedish-based Agria Pet Insurance LTD. While at Agria, Vaughan was head of marketing for the UK market, one of the most sophisticated and highly penetrated markets for pet insurance, globally. Vaughan officially begins his role at Trupanion on June 10. Vaughan read Business Studies at The University of Northampton before completing a Postgraduate Diploma with the Institute of Direct and Digital Marketing. He proudly includes his 3-year-old Cockapoo, Teddy, as one of his family members and best friends. In addition to bringing Vaughan from Agria UK, Trupanion also announced the hire of Suzanne Cheadle as their Director, eCommerce. Cheadle comes to Trupanion with an extensive background in pet medical insurance including her recent experience with Petplan UK, heading up its digital acquisition and on-site experience. As the Director of eCommerce, Cheadle will lead the execution of web strategy and spearhead conversion initiatives across Trupanion.com and associated web assets. In this role, Cheadle will drive improvement across Trupanion’s online platforms, pushing breakthroughs in support of Trupanion’s high-growth goals. Recent Insider Transactions • May 18
President recently sold €64k worth of stock On the 13th of May, Margaret Tooth sold around 1k shares on-market at roughly €64.09 per share. This was the largest sale by an insider in the last 3 months. This was Margaret's only on-market trade for the last 12 months. Reported Earnings • May 01
First quarter 2022 earnings released: US$0.22 loss per share (vs US$0.31 loss in 1Q 2021) First quarter 2022 results: US$0.22 loss per share (up from US$0.31 loss in 1Q 2021). Revenue: US$206.0m (up 33% from 1Q 2021). Net loss: US$8.86m (loss narrowed 29% from 1Q 2021). Over the next year, revenue is forecast to grow 26%, compared to a 20% growth forecast for the industry in Germany. Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 128 percentage points per year, which is a significant difference in performance. Board Change • Apr 27
Insufficient new directors No new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 7 experienced directors. 5 highly experienced directors. Independent Director Jackie Davidson was the last director to join the board, commencing their role in 2018. The following issues are considered to be risks according to the Simply Wall St Risk Model: Insufficient board refreshment. Annonce • Apr 15
Trupanion, Inc. to Report Q1, 2022 Results on Apr 28, 2022 Trupanion, Inc. announced that they will report Q1, 2022 results After-Market on Apr 28, 2022 Annonce • Mar 06
Trupanion, Inc., Annual General Meeting, Jun 08, 2022 Trupanion, Inc., Annual General Meeting, Jun 08, 2022. Reported Earnings • Feb 17
Full year 2021 earnings: Revenues and EPS in line with analyst expectations Full year 2021 results: US$0.89 loss per share (down from US$0.16 loss in FY 2020). Revenue: US$699.0m (up 39% from FY 2020). Net loss: US$35.5m (loss widened US$29.7m from FY 2020). Revenue was in line with analyst estimates. Over the next year, revenue is forecast to grow 28%, compared to a 14% growth forecast for the insurance industry in Germany. Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 155 percentage points per year, which is a significant difference in performance. Annonce • Feb 17
Trupanion, Inc. Announces Executive Changes On February 10, 2022, the board of directors of Trupanion, Inc. appointed Tricia Plouf, formerly one of the Company’s Co-Presidents, to the position of Chief Operating Officer of the Company. Margi Tooth will serve as the Company’s sole President. Annonce • Feb 03
Trupanion, Inc. to Report Q4, 2021 Results on Feb 16, 2022 Trupanion, Inc. announced that they will report Q4, 2021 results After-Market on Feb 16, 2022 Recent Insider Transactions • Nov 13
Independent Director & Consultant recently sold €166k worth of stock On the 10th of November, Howard Rubin sold around 2k shares on-market at roughly €108 per share. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of €2.1m more than they bought in the last 12 months. Reported Earnings • Nov 04
Third quarter 2021 earnings released: US$0.17 loss per share (vs US$0.072 loss in 3Q 2020) The company reported a mediocre third quarter result with increased losses and weaker control over costs, although revenues improved. Third quarter 2021 results: Revenue: US$181.7m (up 40% from 3Q 2020). Net loss: US$6.82m (loss widened 167% from 3Q 2020). Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 164 percentage points per year, which is a significant difference in performance. Board Change • Nov 01
Insufficient new directors No new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 9 experienced directors. 3 highly experienced directors. Independent Director Jackie Davidson was the last director to join the board, commencing their role in 2018. The following issues are considered to be risks according to the Simply Wall St Risk Model: Insufficient board refreshment. Board Change • Oct 02
Insufficient new directors No new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 9 experienced directors. 3 highly experienced directors. Independent Director Jackie Davidson was the last director to join the board, commencing their role in 2018. The following issues are considered to be risks according to the Simply Wall St Risk Model: Insufficient board refreshment. Reported Earnings • Aug 06
Second quarter 2021 earnings released: US$0.23 loss per share (vs US$0.038 profit in 2Q 2020) The company reported a mediocre second quarter result with weaker earnings and weaker control over costs, although revenues improved. Second quarter 2021 results: Revenue: US$168.3m (up 43% from 2Q 2020). Net loss: US$9.22m (down US$10.6m from profit in 2Q 2020). Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 140 percentage points per year, which is a significant difference in performance. Executive Departure • Jun 22
Independent Director H. Hays Lindsley has left the company On the 16th of June, H. Hays Lindsley's tenure as Independent Director ended after 8.4 years in the role. As of March 2021, H. Hays still personally held 8.86k shares (€558k worth at the time). A total of 2 executives have left over the last 12 months. The current median tenure of the management team is 1.33 years, which is considered inexperienced in the Simply Wall St Risk Model. Executive Departure • Jun 22
Independent Director Robin Ferracone has left the company On the 16th of June, Robin Ferracone's tenure as Independent Director ended after 6.5 years in the role. As of March 2021, Robin still personally held 48.34k shares (€3.0m worth at the time). A total of 2 executives have left over the last 12 months. The current median tenure of the management team is 1.33 years, which is considered inexperienced in the Simply Wall St Risk Model. Recent Insider Transactions • May 08
Independent Director recently bought €1.2m worth of stock On the 4th of May, Robin Ferracone bought around 18k shares on-market at roughly €66.25 per share. This was the largest purchase by an insider in the last 3 months. Despite this recent purchase, insiders have collectively sold €8.8m more in shares than they bought in the last 12 months. Reported Earnings • May 01
First quarter 2021 earnings released: US$0.31 loss per share (vs US$0.032 loss in 1Q 2020) The company reported a mediocre first quarter result with increased losses and weaker control over costs, although revenues improved. First quarter 2021 results: Revenue: US$154.7m (up 39% from 1Q 2020). Net loss: US$12.4m (loss widened US$11.3m from 1Q 2020). Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 110 percentage points per year, which is a significant difference in performance. Annonce • Mar 06
Robin Ferracone and Hays Lindsley, Each A Member of the Board of Directors of Trupanion, Inc., Notifies to Not Stand for Re-Election On March 1, 2021, Robin Ferracone and Hays Lindsley, each a member of the Board of Directors of Trupanion, Inc., notified the Company that they will not stand for re-election at the upcoming Annual Stockholders' Meeting to be held in June 2021 (2021 Annual Meeting"). Neither Ms. Ferracone's nor Mr. Lindsley's decision not to stand for re-election was a result of any disagreement with the Company or the Board. Each of Ms. Ferracone and Mr. Lindsley have indicated their intention to continue to serve as a director of the Company until the 2021 Annual Meeting. Is New 90 Day High Low • Mar 05
New 90-day low: €75.50 The company is down 5.0% from its price of €79.50 on 04 December 2020. The German market is up 9.0% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Insurance industry, which is up 6.0% over the same period. Recent Insider Transactions • Feb 26
Co-President recently sold €421k worth of stock On the 24th of February, Margaret Tooth sold around 5k shares on-market at roughly €84.21 per share. This was the largest sale by an insider in the last 3 months. Margaret has been a seller over the last 12 months, reducing personal holdings by €771k. Reported Earnings • Feb 12
Full year 2020 earnings released: US$0.16 loss per share (vs US$0.052 loss in FY 2019) The company reported a mediocre full year result with increased losses and weaker control over costs, although revenues improved. Full year 2020 results: Revenue: US$502.0m (up 31% from FY 2019). Net loss: US$5.84m (loss widened 223% from FY 2019). Over the last 3 years on average, earnings per share has fallen by 10% per year but the company’s share price has increased by 59% per year, which means it is well ahead of earnings. Analyst Estimate Surprise Post Earnings • Feb 12
Revenue beats expectations Revenue exceeded analyst estimates by 0.7%. Over the next year, revenue is forecast to grow 32%, compared to a 15% growth forecast for the Insurance industry in Germany. Is New 90 Day High Low • Feb 10
New 90-day high: €104 The company is up 50% from its price of €69.50 on 12 November 2020. The German market is up 10.0% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Insurance industry, which is up 1.0% over the same period. Annonce • Feb 05
Trupanion, Inc. Announces Management Appointments Trupanion, Inc. announced that effective January 29, 2021, the Board appointed Tricia Plouf (the Company’s current Chief Financial Officer) and Margi Tooth (the Company’s current Chief Revenue Officer) to the positions of Co-Presidents of the Company (the “ Appointments ”). Ms. Plouf and Ms. Tooth will report to Mr. Rawlings, who no longer serves as President of the Company but remains the Chief Executive Officer of the Company. In their new capacities, Ms. Tooth will have full responsibility for all of the Company’s revenue generating businesses, and Ms. Plouf will have full responsibility for financial and business operations. Annonce • Jan 28
Trupanion, Inc. to Report Q4, 2020 Results on Feb 10, 2021 Trupanion, Inc. announced that they will report Q4, 2020 results After-Market on Feb 10, 2021 Is New 90 Day High Low • Dec 16
New 90-day high: €86.50 The company is up 44% from its price of €60.00 on 17 September 2020. The German market is up 2.0% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Insurance industry, which is up 3.0% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is per share. Recent Insider Transactions • Dec 03
Insider recently sold €328k worth of stock On the 30th of November, Asher Bearman sold around 4k shares on-market at roughly €83.75 per share. In the last 3 months, there was an even bigger sale from another insider worth €2.4m. Insiders have been net sellers, collectively disposing of €8.1m more than they bought in the last 12 months. Annonce • Dec 02
Trupanion, Inc. Appoints Eric Johnson as a Class II director and Member of the Nominating and Corporate Governance and Compensation Committees On November 25, 2020, the board of directors of Trupanion, Inc. appointed Eric Johnson to the Board as a Class II director, effective immediately. Mr. Johnson was also appointed as a member of the Nominating and Corporate Governance and Compensation Committees of the Board. Recent Insider Transactions • Nov 22
Independent Director recently sold €64k worth of stock On the 18th of November, Michael Doak sold around 790 shares on-market at roughly €80.88 per share. In the last 3 months, there was an even bigger sale from another insider worth €2.4m. Insiders have been net sellers, collectively disposing of €7.0m more than they bought in the last 12 months. Is New 90 Day High Low • Nov 19
New 90-day high: €81.00 The company is up 64% from its price of €49.40 on 20 August 2020. The German market is up 1.0% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Insurance industry, which is up 5.0% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is per share. Recent Insider Transactions • Nov 05
Independent Chairman recently sold €2.4m worth of stock On the 3rd of November, Murray Low sold around 36k shares on-market at roughly €68.64 per share. This was the largest sale by an insider in the last 3 months. This was Murray's only on-market trade for the last 12 months. Analyst Estimate Surprise Post Earnings • Oct 31
Third-quarter earnings released: Revenue beats expectations Third-quarter revenue exceeded analyst estimates by 2.8% at US$130.1m. Revenue is forecast to grow 27% over the next year, compared to a 15% growth forecast for the Insurance industry in Germany. Is New 90 Day High Low • Oct 15
New 90-day high: €77.50 The company is up 82% from its price of €42.60 on 17 July 2020. The German market is up 2.0% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Insurance industry, which is down 12% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is per share. Annonce • Oct 14
Trupanion, Inc. to Report Q3, 2020 Results on Oct 29, 2020 Trupanion, Inc. announced that they will report Q3, 2020 results at 5:00 PM, Eastern Standard Time on Oct 29, 2020