Trupanion Résultats passés
Passé contrôle des critères 5/6
Trupanion a connu une croissance annuelle moyenne de ses bénéfices de 45.7%, tandis que le secteur Insurance a vu ses bénéfices augmenter de en hausse à 14.7% par an. Les revenus ont augmenté de en hausse à un taux moyen de 17.1% par an. Le rendement des capitaux propres de Trupanion est 5.7% et ses marges nettes sont de 1.5%.
Informations clés
45.71%
Taux de croissance des bénéfices
45.99%
Taux de croissance du BPA
| Insurance Croissance de l'industrie | 8.02% |
| Taux de croissance des recettes | 17.13% |
| Rendement des fonds propres | 5.67% |
| Marge nette | 1.53% |
| Dernière mise à jour des bénéfices | 30 Jun 2026 |
Mises à jour récentes des performances passées
Recent updates
Mise à jour du récit • Sep 10
TRUP: Execution On Margin Discipline Will Drive Long Term Upside
The analyst price target for Trupanion has been revised lower by $3 to $34.25 as analysts factor in softer revenue growth, slightly thinner projected profit margins, and a reduced future P/E assumption, along with recent downgrades and cautious commentary on the company's operating backdrop. Analyst Commentary Recent research on Trupanion highlights a mixed but increasingly cautious tone, with valuation and execution closely tied to how the company handles a slower pet health demand backdrop and competitive pressure.
Mise à jour du récit • Aug 26
TRUP: Lower Catastrophe Exposure Will Support Future Repricing As Demand Stabilizes
Analysts have trimmed Trupanion's fair value estimate from $45.00 to $42.00 as they factor in tougher pet insurance demand conditions, including weaker U.S. puppy vet visits and pressure on balancing premium growth with member retention and new-pet acquisition. Analyst Commentary Recent Street research on Trupanion highlights a mix of caution and optimism, with several firms refining their views as they reassess pet insurance demand, pricing power, and long term member growth.Seeking Alpha • Aug 14
Trupanion: Profitable At Last, But Still Too Expensive To Buy (Upgrade)
Summary Trupanion’s estimated economic combined ratio improved to 98.5% in H1 2026, extending the underwriting profitability first achieved in 2025. Operating leverage and lower acquisition costs drove much of the improvement, while the H1 loss ratio also declined to 71.0% from 72.1%. Management’s 2026 guidance could imply $32–$40 million of net income, providing stronger evidence that scale is finally translating into profitability. Valuation remains demanding at more than 30x estimated 2026 earnings under my scenarios, limiting the attractiveness of the shares at current prices. I upgrade Trupanion from Sell to Hold as improving underwriting economics weaken the bearish case, although the valuation still prevents a Buy. Read the full article on Seeking AlphaMise à jour du récit • Aug 08
TRUP: Capital Returns And Margin Focus Will Drive Long Term Upside
For Trupanion, the analyst price target has been trimmed to $37.25 from $39.75 as analysts factor in a slightly higher discount rate and more modest profit margins in their models, even as revenue growth assumptions and the implied future P/E move higher. Analyst Commentary Recent Street research on Trupanion shows a mix of optimism on execution and caution on risk, which helps explain the reset in price targets around the stock.Mise à jour du récit • Jul 15
TRUP: Lower Catastrophe Exposure Will Support Long-Term Repricing Potential
For Trupanion, the analyst price target in this narrative framework has shifted lower from $52.00 to $45.00. This reflects analyst adjustments to long term revenue growth, profit margin expectations, and the future P/E multiple following recent catastrophe related commentary.
Mise à jour du récit • Jun 30
TRUP: Loyalty And Margin Execution Will Shape Prospective Earnings Upside
Trupanion's updated analyst price target has moved from $31.00 to $28.00 as analysts factor in slightly higher discount rates, a more moderate revenue growth outlook, and an adjusted future P/E assumption, while also reflecting recent Street target cuts. Analyst Commentary Recent Street commentary on Trupanion reflects a more cautious tone, with several bearish analysts trimming price targets and reassessing assumptions around growth, valuation, and execution risk.Mise à jour du récit • Jun 16
TRUP: Recalibrated Expectations And Improved Margins Will Support Long-Term Repricing
Trupanion's analyst price target has been reduced by $7 to $45. Analysts attribute the revision to updated assumptions around revenue growth, profit margins and future P/E multiples.Mise à jour du récit • Jun 01
TRUP: Rebased P/E And Margin Assumptions Will Support Long Term Upside
Trupanion's analyst price target is updated from $46.25 to $39.75 as analysts factor in refreshed assumptions around discount rates, revenue growth, profit margins, and future P/E expectations, reflected in recent Street research cuts from BofA, Cantor Fitzgerald, and Stifel. Analyst Commentary Recent Street research indicates that the lower price targets are tied to refreshed assumptions around discount rates, revenue growth, profit margins, and future P/E expectations.Mise à jour du récit • May 13
TRUP: Recalibrated Expectations And Higher Future P/E Will Support Long-Term Repricing
Analysts have lowered their fair value estimate for Trupanion from $63.00 to $52.00, citing updated price targets from several firms along with adjustments to discount rates, revenue growth, profit margin assumptions, and the stock's future P/E multiple. Analyst Commentary Recent Street research on Trupanion has centered on revised price targets that reflect updated assumptions for growth, margins, and valuation multiples.Mise à jour du récit • Apr 22
TRUP: Clustered Price Cuts And P/E Reset Will Shape Future Returns
Trupanion's updated analyst price target has been reduced by a mid single digit dollar amount, with analysts pointing to recently lowered targets from several firms, alongside only modest tweaks to long term revenue growth, profit margin and future P/E assumptions. Analyst Commentary Recent Street research on Trupanion has centered on a series of price target reductions, with cuts ranging from low single digit dollar amounts up to a $15 move.Mise à jour du récit • Apr 08
TRUP: Revised P/E And Margin Assumptions Will Support Future Earnings Power
Trupanion's updated analyst price target has shifted from $42.00 to $31.00 as analysts factor in different assumptions for future revenue growth, profitability and P/E expectations following several recent target cuts across the Street. Analyst Commentary Recent Street research on Trupanion has centered on a series of lower price targets, with several bearish analysts trimming their expectations within a relatively short time frame.Mise à jour du récit • Mar 25
TRUP: Rebased P/E Expectations Will Support Long Term Upside Potential
Narrative Update on Trupanion The analyst price target for Trupanion has been reduced by a combined $26, as several firms revisited their models and pricing assumptions. This led to a lower implied future P/E while keeping the fair value estimate steady at $46.25.Mise à jour du récit • Mar 10
TRUP: Reset Expectations And Higher Future P/E Will Drive Long-Term Repricing
Trupanion's updated $63.0 analyst price target reflects modestly tempered expectations for revenue growth and profit margin, with analysts citing recent target reductions from several firms as they reassess the stock's risk and return trade off. Analyst Commentary Recent Street research on Trupanion clusters around lower price targets, but the tone is not uniformly negative.Mise à jour du récit • Feb 24
TRUP: Long Term Profitability Assumptions Will Support Future Upside Potential
Analysts have reduced their Trupanion price targets by approximately $10 to $46.25, reflecting updated views on fair value, discount rate, revenue growth, profit margin, and future P/E assumptions following recent research updates from multiple firms. Analyst Commentary Recent research updates on Trupanion point to a mix of optimism about the long term opportunity and caution about the execution and valuation risks in the near term.Mise à jour du récit • Feb 09
TRUP: Higher Future P/E Assumptions Will Support A Stronger Long-Term Repricing
Analysts have reduced their Trupanion price target by about $4 to US$63, citing updated assumptions around fair value, discount rate, revenue growth, profit margin and future P/E as the key drivers of the change. Analyst Commentary Bullish analysts are refining their views on Trupanion as they revisit key valuation inputs such as fair value estimates, discount rates, revenue assumptions, profit margins and future P/E levels.Mise à jour du récit • Jan 25
TRUP: Revised P/E Assumptions Will Support Long Term Earnings Power
Analysts have reduced their price targets on Trupanion by $8, citing updated assumptions for revenue growth, profit margin and future P/E, which modestly adjust the risk and return profile they see for the stock. Analyst Commentary Bearish analysts cutting their price targets by $8 are signaling a more cautious stance on Trupanion, driven by updated assumptions for revenue growth, profit margin and future P/E.Mise à jour du récit • Jan 11
TRUP: Future Margin Gains And Share Discipline Will Support Long Term Earnings Power
Analysts are maintaining a US$42.00 price target for Trupanion, with small adjustments to revenue growth, profit margin assumptions and a lower future P/E helping to fine tune their outlook rather than reset it. What's in the News Trupanion reported that, between July 1 and September 30, 2025, it did not repurchase any shares under its existing program and has completed total buybacks of 95,021 shares for US$5.75 million, representing 0.23% of shares under the buyback announced on April 30, 2021 (company filing).Mise à jour du récit • Dec 27
TRUP: Future Margin Expansion Will Support Strengthening Long Term Earnings Power
Analysts have modestly maintained their price target on Trupanion at approximately $42.00, citing slightly stronger expectations for revenue growth, incremental profit margin improvement, and a marginally lower future price to earnings multiple that together support the current valuation stance. What's in the News Updated full year 2025 guidance now calls for total revenue of $1.433 billion to $1.439 billion and subscription revenue of $986 million to $989 million, implying roughly 15% year over year subscription growth at the midpoint (company guidance).Mise à jour du récit • Dec 12
TRUP: Future Margin Recovery Will Support Strengthening Long Term Earnings Power
Analysts have modestly reduced their price target on Trupanion from 45.00 dollars to 42.00 dollars. This reflects more conservative assumptions for revenue growth, profit margins, and valuation multiples, despite a largely unchanged risk outlook.Mise à jour du récit • Aug 10
Increasing Pet Ownership And Data Analytics Will Expand Market
The consensus price target for Trupanion has increased to $59.67 as analysts assign a higher future P/E multiple despite a modest decline in net profit margin, signaling greater optimism about its growth prospects. Valuation Changes Summary of Valuation Changes for Trupanion The Consensus Analyst Price Target has significantly risen from $53.00 to $59.67.Nouveau récit • May 27
Global Expansion And Pricing Precision Will Shape Pet Markets
Enhanced pricing strategies, technology upgrades, and disciplined underwriting are driving margin expansion, higher operational efficiency, and more sustainable long-term earnings.Article d’analyse • May 13
Trupanion, Inc. (NASDAQ:TRUP) Looks Just Right With A 26% Price Jump
Trupanion, Inc. ( NASDAQ:TRUP ) shareholders are no doubt pleased to see that the share price has bounced 26% in the...Article d’analyse • Feb 16
There's Reason For Concern Over Trupanion, Inc.'s (NASDAQ:TRUP) Price
When close to half the companies in the Insurance industry in the United States have price-to-sales ratios (or "P/S...Seeking Alpha • Dec 13
Trupanion: High Costs And Price Hikes Are Reasons To Avoid This Pet Insurer
Summary Trupanion's Q3'24 revenue grew 15% YoY to $327.5M, driven mainly by price hikes, but EPS missed estimates by $0.46. Subscription adjusted operating income surged 66% to $30.8M, improving margins, but new pet growth deceleration raises concerns. Expansion into Germany and Switzerland offers growth opportunities, but North American profitability and competitive pressures remain critical challenges. Trupanion faces risks from unsustainable price hikes, growing veterinary inflation, and higher acquisition costs. Its strategy of ramping up pet acquisition spending could pressure short-term profitability without guaranteeing long-term growth. Despite growth prospects in the pet insurance market, Trupanion’s high valuation, with an expected 7% revenue growth in 2025, makes it an expensive investment. Read the full article on Seeking AlphaArticle d’analyse • Oct 25
Revenues Tell The Story For Trupanion, Inc. (NASDAQ:TRUP) As Its Stock Soars 25%
Trupanion, Inc. ( NASDAQ:TRUP ) shares have continued their recent momentum with a 25% gain in the last month alone...Seeking Alpha • Sep 24
Trupanion: Great Business, But It Is Time To Cash Out (Rating Downgrade)
Summary Trupanion's stock surged over 60% since my June 2024 buy rating. Trupanion's Q2 results show strong revenue and subscription growth, with free cash flow turning positive, indicating a sustainable business model. Price hikes are essential due to rising veterinary costs and increasing anxiety claims in pets, which could impact long-term profitability if not managed. Shares are no longer a buy, and I reiterate my $40 price target with a hold rating now. Read the full article on Seeking AlphaArticle d’analyse • Aug 11
Trupanion, Inc. (NASDAQ:TRUP) Just Reported And Analysts Have Been Lifting Their Price Targets
It's been a pretty great week for Trupanion, Inc. ( NASDAQ:TRUP ) shareholders, with its shares surging 14% to US$38.30...Article d’analyse • Jul 31
A Piece Of The Puzzle Missing From Trupanion, Inc.'s (NASDAQ:TRUP) 27% Share Price Climb
Trupanion, Inc. ( NASDAQ:TRUP ) shares have continued their recent momentum with a 27% gain in the last month alone...Seeking Alpha • Jun 13
Trupanion: Growth First, Profitability Second
Summary Trupanion is a global pet insurance company. Trupanion may be headed for profitability, with the new CEO emphasizing efficiency and free cash flow. The company offers pet insurance through subscriptions, focusing on growth first and profits later. Shares are a buy with a price target of $40. Read the full article on Seeking AlphaArticle d’analyse • Feb 16
A Piece Of The Puzzle Missing From Trupanion, Inc.'s (NASDAQ:TRUP) 27% Share Price Climb
Despite an already strong run, Trupanion, Inc. ( NASDAQ:TRUP ) shares have been powering on, with a gain of 27% in the...Seeking Alpha • Feb 02
Trupanion: After All This Time, No Profits
Summary Pet insurance industry has seen significant growth due to the rising trend of millennials and Gen Z preferring pets over having children. Trupanion, a pet insurance company, has experienced wild revenue growth but struggles with increasing costs and negative margins. The company's balance sheet is not heavily burdened with liabilities, but profitability hinges on stabilizing operating expenses and addressing veterinary price hikes. Read the full article on Seeking AlphaArticle d’analyse • Dec 18
A Piece Of The Puzzle Missing From Trupanion, Inc.'s (NASDAQ:TRUP) 27% Share Price Climb
Trupanion, Inc. ( NASDAQ:TRUP ) shares have had a really impressive month, gaining 27% after a shaky period beforehand...Article d’analyse • Apr 18
What You Can Learn From Trupanion, Inc.'s (NASDAQ:TRUP) P/SAfter Its 35% Share Price Crash
The Trupanion, Inc. ( NASDAQ:TRUP ) share price has fared very poorly over the last month, falling by a substantial...Ventilation des recettes et des dépenses
Ventilation des recettes et des dépenses
Comment Trupanion gagne et dépense de l'argent. Sur la base des derniers bénéfices déclarés, sur une base LTM.
Historique des gains et des recettes
| Date | Recettes | Les revenus | Dépenses G+A | Dépenses de R&D |
|---|---|---|---|---|
| 30 Jun 26 | 1,521 | 23 | 123 | 0 |
| 31 Mar 26 | 1,481 | 26 | 119 | 0 |
| 31 Dec 25 | 1,439 | 19 | 117 | 0 |
| 30 Sep 25 | 1,400 | 15 | 116 | 0 |
| 30 Jun 25 | 1,360 | 11 | 109 | 0 |
| 31 Mar 25 | 1,322 | -4 | 103 | 0 |
| 31 Dec 24 | 1,286 | -10 | 97 | 0 |
| 30 Sep 24 | 1,244 | -13 | 95 | 0 |
| 30 Jun 24 | 1,203 | -19 | 88 | 0 |
| 31 Mar 24 | 1,158 | -27 | 83 | 0 |
| 31 Dec 23 | 1,109 | -45 | 79 | 0 |
| 30 Sep 23 | 1,059 | -52 | 81 | 0 |
| 30 Jun 23 | 1,007 | -61 | 80 | 0 |
| 31 Mar 23 | 956 | -61 | 78 | 0 |
| 31 Dec 22 | 905 | -45 | 71 | 0 |
| 30 Sep 22 | 854 | -42 | 60 | 0 |
| 30 Jun 22 | 801 | -36 | 56 | 0 |
| 31 Mar 22 | 750 | -32 | 52 | 0 |
| 31 Dec 21 | 699 | -36 | 56 | 0 |
| 30 Sep 21 | 647 | -32 | 13 | 0 |
| 30 Jun 21 | 596 | -28 | 21 | 0 |
| 31 Mar 21 | 545 | -17 | 26 | 0 |
| 31 Dec 20 | 502 | -6 | 31 | 0 |
| 30 Sep 20 | 465 | -2 | 67 | 0 |
| 30 Jun 20 | 434 | 2 | 62 | 0 |
| 31 Mar 20 | 408 | -2 | 62 | 0 |
| 31 Dec 19 | 384 | -2 | 26 | 0 |
| 30 Sep 19 | 361 | -3 | 64 | 0 |
| 30 Jun 19 | 340 | -2 | 60 | 0 |
| 31 Mar 19 | 321 | -1 | 57 | 0 |
| 31 Dec 18 | 304 | -1 | 48 | 0 |
| 30 Sep 18 | 288 | -1 | 51 | 0 |
| 30 Jun 18 | 273 | -2 | 50 | 0 |
| 31 Mar 18 | 259 | -2 | 48 | 0 |
| 31 Dec 17 | 244 | -2 | 46 | 0 |
| 30 Sep 17 | 228 | -2 | 44 | 0 |
| 30 Jun 17 | 214 | -4 | 42 | 0 |
| 31 Mar 17 | 200 | -6 | 41 | 0 |
| 31 Dec 16 | 188 | -7 | 40 | 0 |
| 30 Sep 16 | 177 | -8 | 39 | 0 |
| 30 Jun 16 | 167 | -11 | 41 | 0 |
| 31 Mar 16 | 156 | -15 | 42 | 0 |
| 31 Dec 15 | 147 | -17 | 42 | 0 |
| 30 Sep 15 | 139 | -18 | 41 | 0 |
Des revenus de qualité: TRUP a des bénéfices de haute qualité.
Augmentation de la marge bénéficiaire: Les marges bénéficiaires nettes actuelles de TRUP sont plus élevées que l'année dernière TRUP. (1.5%) sont plus élevées que l'année dernière (0.8%).
Analyse des flux de trésorerie disponibles par rapport aux bénéfices
Analyse de la croissance passée des bénéfices
Tendance des revenus: TRUP est devenue rentable au cours des 5 dernières années, augmentant ses bénéfices de 45.7% par an.
Accélération de la croissance: La croissance des bénéfices de TRUP au cours de l'année écoulée ( 110.8% ) dépasse sa moyenne sur 5 ans ( 45.7% par an).
Bénéfices par rapport au secteur d'activité: La croissance des bénéfices TRUP au cours de l'année écoulée ( 110.8% ) a dépassé celle du secteur Insurance 27.4%.
Rendement des fonds propres
ROE élevé: Le retour sur capitaux propres de TRUP ( 5.7% ) est considéré comme faible.
Rendement des actifs
Rendement des capitaux employés
Découvrir des entreprises performantes dans le passé
Analyse de l'entreprise et données financières
| Données | Dernière mise à jour (heure UTC) |
|---|---|
| Analyse de l'entreprise | 2026/09/11 11:39 |
| Cours de l'action en fin de journée | 2026/09/11 00:00 |
| Les revenus | 2026/06/30 |
| Revenus annuels | 2025/12/31 |
Sources de données
Les données utilisées dans notre analyse de l'entreprise proviennent de S&P Global Market Intelligence LLC. Les données suivantes sont utilisées dans notre modèle d'analyse pour générer ce rapport. Les données sont normalisées, ce qui peut entraîner un délai avant que la source ne soit disponible.
| Paquet | Données | Cadre temporel | Exemple de source américaine * |
|---|---|---|---|
| Finances de l'entreprise | 10 ans |
| |
| Estimations consensuelles des analystes | +3 ans |
|
|
| Prix du marché | 30 ans |
| |
| Propriété | 10 ans |
| |
| Gestion | 10 ans |
| |
| Principaux développements | 10 ans |
|
* Exemple pour les titres américains ; pour les titres non américains, des formulaires réglementaires et des sources équivalentes sont utilisés.
Sauf indication contraire, toutes les données financières sont basées sur une période annuelle mais mises à jour trimestriellement. C'est ce qu'on appelle les données des douze derniers mois (TTM) ou des douze derniers mois (LTM). En savoir plus.
Modèle d'analyse et flocon de neige
Les détails du modèle d’analyse utilisé pour générer ce rapport sont disponibles sur notre page Github ; nous proposons également des guides sur la façon d’utiliser nos rapports et des tutoriels sur YouTube.
Découvrez l' qui a conçu et construit le modèle d'analyse Simply Wall St.
Indicateurs de l'industrie et du secteur
Nos indicateurs de secteur et de section sont calculés toutes les 6 heures par Simply Wall St. Les détails de notre processus sont disponibles sur Github.
Sources des analystes
Trupanion, Inc. est couverte par 16 analystes. 5 de ces analystes ont soumis les estimations de revenus ou de bénéfices utilisées comme données d'entrée dans notre rapport. Les soumissions des analystes sont mises à jour tout au long de la journée.
| Analyste | Institution |
|---|---|
| Christopher Merwin | Barclays |
| Joshua Shanker | BofA Global Research |
| Ryan Tunis | Cantor Fitzgerald & Co. |