Trupanion, Inc.

NasdaqGM:TRUP Stock Report

Market Cap: US$1.1b

Trupanion Dividends and Buybacks

Dividend criteria checks 0/6

Trupanion does not have a record of paying a dividend.

Key information

n/a

Dividend yield

0.2%

Buyback Yield

Total Shareholder Yield0.2%
Future Dividend Yield0%
Dividend Growthn/a
Next dividend pay daten/a
Ex dividend daten/a
Dividend per sharen/a
Payout ration/a

Recent dividend and buyback updates

No updates

Recent updates

Narrative Update 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.
Narrative Update 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.
Narrative Update 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.
Narrative Update 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.
Narrative Update 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.
Narrative Update 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.
Narrative Update 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.
Narrative Update 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).
Narrative Update 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).
Narrative Update 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.
Narrative Update 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.
User avatar
New Narrative 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.
Analysis Article 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...
Analysis Article 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 Alpha
Analysis Article 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 Alpha
Analysis Article 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...
Analysis Article 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 Alpha
Analysis Article 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 Alpha
Analysis Article 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...
Analysis Article 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...

Stability and Growth of Payments

Fetching dividends data

Stable Dividend: Insufficient data to determine if TRUP's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if TRUP's dividend payments have been increasing.


Dividend Yield vs Market

Trupanion Dividend Yield vs Market
How does TRUP dividend yield compare to the market?
SegmentDividend Yield
Company (TRUP)n/a
Market Bottom 25% (US)1.4%
Market Top 25% (US)4.2%
Industry Average (Insurance)2.7%
Analyst forecast (TRUP) (up to 3 years)0%

Notable Dividend: Unable to evaluate TRUP's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

High Dividend: Unable to evaluate TRUP's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.


Earnings Payout to Shareholders

Earnings Coverage: Insufficient data to calculate TRUP's payout ratio to determine if its dividend payments are covered by earnings.


Cash Payout to Shareholders

Cash Flow Coverage: Unable to calculate sustainability of dividends as TRUP has not reported any payouts.


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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/05/07 04:22
End of Day Share Price 2026/05/07 00:00
Earnings2026/03/31
Annual Earnings2025/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Trupanion, Inc. is covered by 16 analysts. 5 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Christopher MerwinBarclays
Joshua ShankerBofA Global Research
Ryan TunisCantor Fitzgerald & Co.