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Trupanion

LSE:0LH0
Snowflake Description

Flawless balance sheet with reasonable growth potential.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
0LH0
LSE
$987M
Imp Market Cap
  1. Home
  2. GB
  3. Insurance
Company description

Trupanion, Inc., together with its subsidiaries, provides medical insurance for cats and dogs on monthly subscription basis in the United States, Canada, and Puerto Rico. The last earnings update was 7 days ago. More info.


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0LH0 Share Price and Events
7 Day Returns
0%
LSE:0LH0
1.3%
GB Insurance
0.4%
GB Market
1 Year Returns
-6.8%
LSE:0LH0
-8.8%
GB Insurance
-2.9%
GB Market
0LH0 Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Trupanion (0LH0) 0% 0% 0% -6.8% - -
GB Insurance 1.3% 2.5% 2.5% -8.8% 17% 10%
GB Market 0.4% 2.6% 1.9% -2.9% 19.8% -2.4%
1 Year Return vs Industry and Market
  • 0LH0 outperformed the Insurance industry which returned -8.8% over the past year.
  • 0LH0 underperformed the Market in United Kingdom of Great Britain and Northern Ireland which returned -2.9% over the past year.
Price Volatility
0LH0
Industry
5yr Volatility vs Market

Value

 Is Trupanion undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
  • It is not possible to calculate the future cash flow value for Trupanion. This is due to cash flow or dividend data being unavailable. The share price is $26.67.
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for Trupanion's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are Trupanion's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
LSE:0LH0 PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2018-12-31) in USD $-0.03
NasdaqGM:TRUP Share Price ** NasdaqGM (2018-11-23) in USD $29.76
United Kingdom of Great Britain and Northern Ireland Insurance Industry PE Ratio Median Figure of 22 Publicly-Listed Insurance Companies 16.56x
United Kingdom of Great Britain and Northern Ireland Market PE Ratio Median Figure of 814 Publicly-Listed Companies 15.92x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of Trupanion.

LSE:0LH0 PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= NasdaqGM:TRUP Share Price ÷ EPS (both in USD)

= 29.76 ÷ -0.03

-1026.1x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Trupanion is loss making, we can't compare its value to the GB Insurance industry average.
  • Trupanion is loss making, we can't compare the value of its earnings to the United Kingdom of Great Britain and Northern Ireland market.
Price based on expected Growth
Does Trupanion's expected growth come at a high price?
Raw Data
LSE:0LH0 PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section -1026.1x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 8 Analysts
44.3%per year
United Kingdom of Great Britain and Northern Ireland Insurance Industry PEG Ratio Median Figure of 19 Publicly-Listed Insurance Companies 1.44x
United Kingdom of Great Britain and Northern Ireland Market PEG Ratio Median Figure of 577 Publicly-Listed Companies 1.28x

*Line of best fit is calculated by linear regression .

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to calculate PEG ratio for Trupanion, we can't assess if its growth is good value.
Price based on value of assets
What value do investors place on Trupanion's assets?
Raw Data
LSE:0LH0 PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2018-12-31) in USD $3.80
NasdaqGM:TRUP Share Price * NasdaqGM (2018-11-23) in USD $29.76
United Kingdom of Great Britain and Northern Ireland Insurance Industry PB Ratio Median Figure of 24 Publicly-Listed Insurance Companies 2.16x
United Kingdom of Great Britain and Northern Ireland Market PB Ratio Median Figure of 1,361 Publicly-Listed Companies 1.52x
LSE:0LH0 PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= NasdaqGM:TRUP Share Price ÷ Book Value per Share (both in USD)

= 29.76 ÷ 3.80

7.84x

* Primary Listing of Trupanion.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Trupanion is overvalued based on assets compared to the GB Insurance industry average.
X
Value checks
We assess Trupanion's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Insurance industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Insurance industry average (and greater than 0)? (1 check)
  5. Trupanion has a total score of 0/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

Future Performance

 How is Trupanion expected to perform in the next 1 to 3 years based on estimates from 8 analysts?

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
44.3%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is Trupanion expected to grow at an attractive rate?
  • Trupanion's earnings growth is expected to exceed the low risk savings rate of 1.2%.
Growth vs Market Checks
  • Trupanion's earnings growth is expected to exceed the United Kingdom of Great Britain and Northern Ireland market average.
  • Trupanion's revenue growth is expected to exceed the United Kingdom of Great Britain and Northern Ireland market average.
Annual Growth Rates Comparison
Raw Data
LSE:0LH0 Future Growth Rates Data Sources
Data Point Source Value (per year)
LSE:0LH0 Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 8 Analysts 44.3%
LSE:0LH0 Future Revenue Growth Rate Line of Best Fit* through Consensus Estimate Revenue of 8 Analysts 17.1%
United Kingdom of Great Britain and Northern Ireland Insurance Industry Earnings Growth Rate Market Cap Weighted Average 13.5%
United Kingdom of Great Britain and Northern Ireland Insurance Industry Revenue Growth Rate Market Cap Weighted Average 3.4%
United Kingdom of Great Britain and Northern Ireland Market Earnings Growth Rate Market Cap Weighted Average 10.2%
United Kingdom of Great Britain and Northern Ireland Market Revenue Growth Rate Market Cap Weighted Average 3.6%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
LSE:0LH0 Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (1 month ago) See Below
Future Estimates Average of up to 8 Analyst Estimates (S&P Global) See Below
All numbers in USD Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
LSE:0LH0 Future Estimates Data
Date (Data in USD Millions) Revenue Cash Flow Net Income * Avg. No. Analysts
2023-12-31 745 27 4
2022-12-31 630 20 4
2021-12-31 532 18 5
2020-12-31 443 28 9 8
2019-12-31 370 21 3 8
LSE:0LH0 Past Financials Data
Date (Data in USD Millions) Revenue Cash Flow Net Income *
2018-12-31 304 13 -1
2018-09-30 288 12 -1
2018-06-30 273 8 -2
2018-03-31 259 10 -2
2017-12-31 244 10 -2
2017-09-30 228 10 -2
2017-06-30 214 8 -4
2017-03-31 200 8 -6
2016-12-31 188 5 -7
2016-09-30 177 1 -8
2016-06-30 167 -1 -11
2016-03-31 156 -7 -15

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Trupanion's earnings are expected to grow significantly at over 20% yearly.
  • Trupanion's revenue is expected to grow by 17.1% yearly, however this is not considered high growth (20% yearly).
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
LSE:0LH0 Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (1 month ago) See Below
Future Estimates Average of up to 8 Analyst Estimates (S&P Global) See Below

All data from Trupanion Company Filings, last reported 1 month ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

LSE:0LH0 Future Estimates Data
Date (Data in USD Millions) EPS * EPS High Estimate EPS Low Estimate Avg. No. Analysts
2023-12-31 0.69 0.93 0.43 3.00
2022-12-31 0.53 0.66 0.27 3.00
2021-12-31 0.42 0.60 0.13 4.00
2020-12-31 0.25 0.33 0.19 7.00
2019-12-31 0.08 0.12 0.05 7.00
LSE:0LH0 Past Financials Data
Date (Data in USD Millions) EPS *
2018-12-31 -0.03
2018-09-30 -0.05
2018-06-30 -0.08
2018-03-31 -0.05
2017-12-31 -0.05
2017-09-30 -0.08
2017-06-30 -0.15
2017-03-31 -0.20
2016-12-31 -0.24
2016-09-30 -0.29
2016-06-30 -0.40
2016-03-31 -0.53

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Unable to establish if Trupanion will efficiently use shareholders’ funds in the future without estimates of Return on Equity.
X
Future performance checks
We assess Trupanion's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the United Kingdom of Great Britain and Northern Ireland market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United Kingdom of Great Britain and Northern Ireland market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
Trupanion has a total score of 4/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

Past Performance

  How has Trupanion performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare Trupanion's growth in the last year to its industry (Insurance).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • Trupanion does not make a profit even though their year on year earnings growth rate was positive over the past 5 years.
  • Unable to compare Trupanion's 1-year earnings growth to the 5-year average as it is not currently profitable.
  • Unable to compare Trupanion's 1-year growth to the GB Insurance industry average as it is not currently profitable.
Earnings and Revenue History
Trupanion's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from Trupanion Company Filings, last reported 1 month ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

LSE:0LH0 Past Revenue, Cash Flow and Net Income Data
Date (Data in USD Millions) Revenue Net Income * G+A Expenses R&D Expenses
2018-12-31 303.96 -0.93 52.77
2018-09-30 287.86 -1.49 51.25
2018-06-30 272.82 -2.29 49.74
2018-03-31 258.73 -1.50 48.02
2017-12-31 243.70 -1.50 45.93
2017-09-30 228.50 -2.39 43.85
2017-06-30 213.74 -4.43 42.48
2017-03-31 200.26 -5.81 40.72
2016-12-31 188.23 -6.90 40.03
2016-09-30 177.09 -8.17 39.40
2016-06-30 166.60 -11.18 40.56
2016-03-31 156.35 -14.84 41.74
2015-12-31 146.96 -17.21 42.05
2015-09-30 138.63 -18.48 41.50
2015-06-30 131.08 -22.35 40.15
2015-03-31 123.58 -21.20 38.40
2014-12-31 115.91 -21.18 35.90
2014-09-30 108.05 -20.10 32.82
2014-06-30 99.88 -12.82 28.16
2014-03-31 91.63 -11.16 24.94
2013-12-31 83.83 -8.18 22.68
2012-12-31 55.53 -8.15 16.78

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • It is difficult to establish if Trupanion has efficiently used shareholders’ funds last year (Return on Equity greater than 20%) as it is loss-making.
  • Trupanion used its assets less efficiently than the GB Insurance industry average last year based on Return on Assets.
  • It is difficult to establish if Trupanion improved its use of capital last year versus 3 years ago (Return on Capital Employed) as it is currently loss-making.
X
Past performance checks
We assess Trupanion's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Insurance industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
Trupanion has a total score of 0/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

Health

 How is Trupanion's financial health and their level of debt?

A company's financial position is much like your own financial position, it includes everything you own (assets) and owe (liabilities).

The boxes below represent the relative size of what makes up Trupanion's finances.

The net worth of a company is the difference between its assets and liabilities.
Net Worth
  • Trupanion is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
  • Trupanion's cash and other short term assets cover its long term commitments.
Balance sheet
This treemap shows a more detailed breakdown of Trupanion's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
  • High level of physical assets or inventory.
  • Debt is covered by short term assets, assets are 9.1x debt.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from Trupanion Company Filings, last reported 1 month ago.

LSE:0LH0 Past Debt and Equity Data
Date (Data in USD Millions) Total Equity Total Debt Cash & Short Term Investments
2018-12-31 129.17 12.86 81.11
2018-09-30 127.86 8.60 74.10
2018-06-30 116.25 18.63 138.23
2018-03-31 48.25 14.85 70.15
2017-12-31 48.43 9.32 63.30
2017-09-30 47.95 7.30 59.28
2017-06-30 47.15 6.31 57.17
2017-03-31 45.09 4.79 52.73
2016-12-31 44.72 4.77 53.21
2016-09-30 44.79 3.97 49.35
2016-06-30 45.47 0.99 45.40
2016-03-31 44.31 0.97 43.09
2015-12-31 45.36 0.00 43.24
2015-09-30 47.41 0.00 44.89
2015-06-30 51.67 0.00 47.70
2015-03-31 54.92 0.00 53.82
2014-12-31 59.28 14.90 75.47
2014-09-30 62.65 14.90 78.37
2014-06-30 -7.27 26.20 23.36
2014-03-31 -5.51 26.25 25.55
2013-12-31 -1.28 26.10 31.03
2012-12-31 4.65 9.90 15.04
  • Trupanion's level of debt (10%) compared to net worth is satisfactory (less than 40%).
  • Trupanion had negative shareholder equity 5 years ago, it is now positive therefore their debt level has improved.
CASH RUNWAY ANALYSIS

For companies that have on average been loss making in the past we assess whether they have at least 1 year of cash runway.

  • Trupanion has sufficient cash runway for 1.7 years based on current free cash flow.
  • Trupanion has sufficient cash runway for 1.5 years if free cash flow continues to grow at historical rates of 53.6% each year.
X
Financial health checks
We assess Trupanion's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. Trupanion has a total score of 6/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

Dividends

 What is Trupanion's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
0%
Current annual income from Trupanion dividends.
If you bought $2,000 of Trupanion shares you are expected to receive $0 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Unable to evaluate Trupanion's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
  • Unable to evaluate Trupanion's dividend against the top 25% market benchmark as the company has not reported any payouts.
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
LSE:0LH0 Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 8 Analyst Estimates (S&P Global) See Below
United Kingdom of Great Britain and Northern Ireland Insurance Industry Average Dividend Yield Market Cap Weighted Average of 23 Stocks 4.6%
United Kingdom of Great Britain and Northern Ireland Market Average Dividend Yield Market Cap Weighted Average of 709 Stocks 4.2%
United Kingdom of Great Britain and Northern Ireland Minimum Threshold Dividend Yield 10th Percentile 1.1%
United Kingdom of Great Britain and Northern Ireland Bottom 25% Dividend Yield 25th Percentile 1.9%
United Kingdom of Great Britain and Northern Ireland Top 25% Dividend Yield 75th Percentile 5.2%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

LSE:0LH0 Future Dividends Estimate Data
Date (Data in $) Dividend per Share (annual) Avg. No. Analysts
2023-12-31
2022-12-31
2021-12-31
2020-12-31
2019-12-31

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to perform a dividend volatility check as Trupanion has not reported any payouts.
  • Unable to verify if Trupanion's dividend has been increasing as the company has not reported any payouts.
Current Payout to shareholders
What portion of Trupanion's earnings are paid to the shareholders as a dividend.
  • Unable to calculate sustainability of dividends as Trupanion has not reported any payouts.
Future Payout to shareholders
  • Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.
X
Income/ dividend checks
We assess Trupanion's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 1.1%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can Trupanion afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. Trupanion has a total score of 0/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

Management

 What is the CEO of Trupanion's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Darryl Graham Rawlings
COMPENSATION $555,730
AGE 49
TENURE AS CEO 19.1 years
CEO Bio

Mr. Darryl Graham Andrew Rawlings Co-founded Trupanion, Inc.(also known as Vetinsurance International Inc) in 2000 and has been its Chief Executive Officer, President and Director since January 2001. Mr. Rawlings is an animal lover and serial entrepreneur. Before his launch as an entrepreneur, he worked as Director of Sales and Marketing at Telos Engineering, where he was responsible for cellular network sales in North and South America and Africa. Before that, he sold encryption technology to the cellular and military markets at Cycomm International. In 1994 he founded his first business, the Canadian Cigar Company. As an international importer of over 1,000 varieties of quality cigars, the Canadian Cigar Company served international cigar club proprietors, four-star hotels and bars, exclusive golf resorts and retail stores. He used the proceeds from the sale to found Trupanion (as Vetinsurance, in Canada) in 1999. Between 1999 and 2005, he refined his pet insurance product and business model in Canada. In 2005, he decided to expand into the United States and to become the first North American pet insurance provider to become licensed to do its own underwriting. He studied business at BCIT. Mr. Rawlings holds a Diploma of Marketing Management from the British Columbia Institute of Technology.

CEO Compensation
  • Darryl Graham's compensation has been consistent with company performance over the past year.
  • Darryl Graham's remuneration is lower than average for companies of similar size in United Kingdom of Great Britain and Northern Ireland.
Management Team Tenure

Average tenure and age of the Trupanion management team in years:

2.8
Average Tenure
42
Average Age
  • The tenure for the Trupanion management team is about average.
Management Team

Darryl Graham Rawlings

TITLE
Founder
COMPENSATION
$556K
AGE
49
TENURE
19.1 yrs

Tricia Plouf

TITLE
Chief Financial Officer
COMPENSATION
$634K
AGE
39
TENURE
2.8 yrs

Asher Bearman

TITLE
Chief Strategy Officer
COMPENSATION
$547K
AGE
40
TENURE
0.1 yrs

Howard Rubin

TITLE
Director & Consultant
COMPENSATION
$150K
AGE
65
TENURE
4.8 yrs

Laura Bainbridge

TITLE
Investor Relations Officer
TENURE
4.1 yrs

Gavin Friedman

TITLE
SVP of Regulatory & General Counsel
TENURE
1.1 yrs

Scott Janzen

TITLE
Director of Communications

Valerie Danna

TITLE
Head of People Operations
TENURE
0.1 yrs

Ian Moffat

TITLE
Head of Strategic Initiative
COMPENSATION
$422K
AGE
42
TENURE
0.4 yrs

Thomas Houk

TITLE
Chief Member Experience Officer
TENURE
2.8 yrs
Board of Directors Tenure

Average tenure and age of the Trupanion board of directors in years:

7.5
Average Tenure
61
Average Age
  • The tenure for the Trupanion board of directors is about average.
Board of Directors

Murray Low

TITLE
Chairman of the Board
COMPENSATION
$85K
AGE
65

Darryl Graham Rawlings

TITLE
Founder
COMPENSATION
$556K
AGE
49
TENURE
19.1 yrs

Howard Rubin

TITLE
Director & Consultant
COMPENSATION
$150K
AGE
65
TENURE
8.9 yrs

Robin Ferracone

TITLE
Director
COMPENSATION
$110K
AGE
65
TENURE
4.2 yrs

Chad Cohen

TITLE
Director
COMPENSATION
$90K
AGE
43
TENURE
3.2 yrs

Dan Levitan

TITLE
Director
COMPENSATION
$75K
AGE
61
TENURE
11.8 yrs

Hays Lindsley

TITLE
Director
COMPENSATION
$75K
AGE
59
TENURE
6 yrs

Bill Williams

TITLE
Member of Veterinary Advisory Board

Robert Totman

TITLE
Member of Veterinary Advisory Board

I. Prior

TITLE
Member of Veterinary Advisory Board
Who owns this company?
Recent Insider Trading
  • Trupanion insiders have only sold shares in the past 3 months.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price ($) Value ($)
26. Nov 18 Sell Howard Rubin Individual 21. Nov 18 26. Nov 18 -45,000 $27.04 $-1,215,822
15. Nov 18 Buy Jacqueline Davidson Individual 13. Nov 18 13. Nov 18 1,000 $25.44 $25,439
15. Nov 18 Buy Robin Ferracone Individual 13. Nov 18 13. Nov 18 19,000 $25.60 $486,353
15. May 18 Sell Murray Low Individual 11. May 18 11. May 18 -3,000 $27.97 $-83,901
26. Feb 18 Sell Murray Low Individual 22. Feb 18 22. Feb 18 -3,000 $28.42 $-85,268
X
Management checks
We assess Trupanion's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. Trupanion has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

News

Simply Wall St News

Company Info

Map
Description

Trupanion, Inc., together with its subsidiaries, provides medical insurance for cats and dogs on monthly subscription basis in the United States, Canada, and Puerto Rico. The company operates through Subscription Business and Other Business segments. It serves pet owners and veterinarians through third-party referrals and online member acquisition channels. The company was formerly known as Vetinsurance International, Inc. changed its name to Trupanion, Inc. in 2013. Trupanion, Inc. was founded in 2000 and is headquartered in Seattle, Washington.

Details
Name: Trupanion, Inc.
0LH0
Exchange: LSE
Founded: 2000
$987,062,451
$1,021,738,384
34,332,607
Website: http://www.trupanion.com
Address: Trupanion, Inc.
6100 4th Avenue South,
Suite 200,
Seattle,
Washington, 98108,
United States
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
NasdaqGM TRUP Common Stock Nasdaq Global Market US USD 18. Jul 2014
DB TPW Common Stock Deutsche Boerse AG DE EUR 18. Jul 2014
LSE 0LH0 Common Stock London Stock Exchange GB USD 18. Jul 2014
Number of employees
Current staff
Staff numbers
586
Trupanion employees.
Industry
Life and Health Insurance
Insurance
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/02/21 01:09
End of day share price update: 2018/11/23 00:00
Last estimates confirmation: 2019/02/15
Last earnings filing: 2019/02/14
Last earnings reported: 2018/12/31
Last annual earnings reported: 2018/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.