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Home CompaniesTrupanion Inc

Trupanion Inc

Financial Services Insurance - Property & Casualty
PortfolioPortfolio WatchlistWatchlist
Company price
35.425 USD -1.32 ( 3.61%)
Last update at 2026-11-09T15:38:00Z
VOLUME
119964
Market Cap
1148.09M
P/E
49.66

Momentum Score

…

Trupanion, Inc., together with its subsidiaries, provides medical insurance for cats and dogs on subscription basis in the United States, Canada, and Continental Europe. The company operates in two segments, Subscription Business and Other Business. It serves pet owners and veterinarians. The company was formerly known as Vetinsurance International, Inc. and changed its name to Trupanion, Inc. in 2013. Trupanion, Inc. was founded in 2000 and is headquartered in Seattle, Washington.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
35.23
Low
36.92
High
52 Week Price Range
21.16
Low
46.98
High

Momentum Score

…
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High

Key Metrics*

Previous Close
36.75
Dividend Yield
-
Revenue TTM
1520.76M
Revenue Per Share
35.04
Gross Profit TTM
343.44M
Debt / Equity
0.29
ROE
6.07%
Net Debt
-26.24M
ROCE
7.08%
Diluted EPS TTM
0.53

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 21.99M -9.64M -45.03M -44.20M -35.22M
Net income 19.43M -9.63M -44.69M -44.67M -35.53M
Selling general administrative 76.65M 63.73M 60.21M 39.38M 31.89M
Selling and marketing expenses 85.41M - 42.49M 89.50M 78.65M
Gross profit 410.33M 178.80M 131.02M 122.19M 104.35M
Reconciled depreciation 15.84M 16.47M 12.34M 10.92M 11.96M
Ebit 35.75M 4.86M -32.96M -42.75M -35.02M
Ebitda 51.59M 21.33M -20.48M -29.01M -23.25M
Depreciation and amortization 15.84M 16.47M 12.47M 13.74M 11.78M
Non operating income net other - - - 3.07M -0.01M
Operating income 21.99M -9.51M -40.66M -42.75M -35.02M
Other operating expenses 1417.31M 1295.20M 1149.05M 947.93M 734.02M
Interest expense 13.76M 14.50M 12.08M 4.27M 0.01M
Tax provision 2.56M -0.01M -0.49M 0.48M 0.31M
Interest income 12.30M 12.40M - - -
Net interest income -1.46M -2.10M -9.97M -4.27M -0.01M
Income tax expense 2.56M -0.01M -0.34M 0.48M 0.31M
Total revenue 1439.31M 1285.68M 1108.61M 905.18M 698.99M
Total operating expenses 388.34M 188.31M 317.99M 164.93M 139.37M
Cost of revenue 1028.97M 1106.89M 977.59M 782.99M 594.64M
Total other income expense net 8.16M -0.12M -45.03M -1.45M -0.20M
Net income from continuing ops 19.43M -9.63M -51.81M -44.67M -35.53M
Net income applicable to common shares - - - -44.67M -35.53M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 915.04M 806.85M 782.95M 671.63M 562.58M
Intangible assets 24.10M 13.18M 18.75M 24.03M 22.66M
Other current assets -232.71M 15.91M 562.09M 14.25M 12.32M
Total liab 531.11M 483.58M 479.23M 366.33M 230.38M
Total stockholder equity 383.94M 323.27M 303.72M 305.30M 332.20M
Deferred long term liab - - - - 2.83M
Other current liab 112.43M 85.10M 97.29M 76.35M 67.83M
Capital stock 0.00M 0.00M 0.00M 0.00M 0.00M
Retained earnings -206.46M -225.89M -216.25M -171.56M -126.89M
Other liab - - - 8.36M 6.69M
Good will 39.38M 36.97M 43.71M 41.98M 32.71M
Other assets - - 0.00M 37.98M 31.25M
Cash 138.02M 160.29M 147.50M 65.61M 87.40M
Total current liabilities 409.81M 349.63M 344.47M 289.62M 223.70M
Current deferred revenue 270.94M 251.64M 235.33M 202.69M 146.91M
Net debt -26.24M -31.41M -18.57M 3.85M -87.40M
Short term debt 10.00M 1.35M 1.35M 1.10M -
Short long term debt 10.00M 1.35M 1.35M 1.10M -
Short long term debt total 111.78M 128.89M 128.93M 69.46M -
Other stockholder equity 588.29M 551.77M 519.57M 483.16M 456.01M
Property plant equipment - - - 90.70M 77.95M
Total current assets 439.97M 597.33M 562.09M 469.10M 390.95M
Long term investments 0.98M 0.37M 12.87M 7.84M 7.06M
Net tangible assets - - - 305.30M 276.83M
Short term investments 232.71M 147.09M 129.67M 156.80M 126.01M
Net receivables 301.94M 274.03M 267.90M 232.44M 165.22M
Long term debt 101.78M 127.54M 127.58M 68.35M -
Inventory - - -545.07M - -
Accounts payable 16.45M 11.53M 10.51M 9.47M 8.95M
Accumulated other comprehensive income 2.10M -2.61M 0.40M -6.30M 3.08M
Retained earnings total equity - - - -171.56M -126.89M
Treasury stock - - - -16.53M -10.78M
Non currrent assets other 305.76M 56.81M 85.34M 37.98M 31.25M
Non current assets total 475.07M 209.53M 220.86M 202.53M 171.63M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments -83.42M -13.46M -5.47M -33.80M -37.80M
Change to liabilities - - - 63.52M 63.18M
Total cashflows from investing activities -95.89M -13.46M - -67.52M -51.91M
Net borrowings -20.23M -1.35M - -0.57M 68.57M
Total cash from financing activities -22.86M -3.96M 59.13M 60.74M -1.12M
Change to operating activities - - - -1.00M 7.71M
Net income 19.43M -9.63M -44.69M -44.67M -35.53M
Change in cash -22.27M 29.07M 81.90M -16.23M -45.33M
Begin period cash flow 160.29M 170.46M 65.61M 100.87M 146.20M
End period cash flow 138.02M 199.53M 147.50M 84.64M 100.87M
Total cash from operating activities 89.49M 48.29M 18.64M -8.00M 7.46M
Issuance of capital stock - - - 0.00M 0.00M
Depreciation 15.84M 16.47M 12.47M 10.92M 11.96M
Other cashflows from investing activities 1.66M 2.10M - -16.63M -1.75M
Dividends paid - - 14.84M 6.94M -
Change to inventory - - -1.91M - 66.17M
Change to account receivables -27.21M -6.72M -35.44M -66.98M -66.17M
Sale purchase of stock -3.71M -2.52M 14.84M -10.11M -4.73M
Other cashflows from financing activities -4.33M -3.36M 114.86M 76.08M -4.73M
Change to netincome - - - 34.44M 26.30M
Capital expenditures 14.13M 9.72M 18.28M 17.09M 12.36M
Change receivables - - - -66.98M -66.17M
Cash flows other operating - - - -49.90M -38.59M
Exchange rate changes - - - - 0.25M
Cash and cash equivalents changes - - - -14.77M -45.33M
Change in working capital 20.46M 4.47M 16.35M -8.69M 4.72M
Stock based compensation 38.31M 33.43M 33.16M 33.39M 28.23M
Other non cash items -4.56M 3.55M 59.46M 1.05M -1.93M
Free cash flow 75.36M 38.57M 0.36M -25.09M -4.90M

Peer Comparison*

Sector: Financial Services Industry: Insurance - Property & Casualty

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
Enterprise Value
to EBITDA (x)
TRUP
Trupanion Inc		 -1.32
3.61%		 35.42 49.66 1428.57 0.75 2.82 0.57 16.54
CB
Chubb Ltd		 -2.22
0.61%		 362.80 12.11 11.83 2.13 1.75 2.45 -
PGR
Progressive Corp		 -1.09
0.48%		 226.68 11.10 13.55 1.41 3.74 1.50 21.85
TKOMF
Tokio Marine Holdings Inc.		 -0.15
3.95%		 3.65 28.94 12.24 0.01 1.87 1.61 -
TKOMY
Tokio Marine Holdings Inc		 0.01
0.27%		 3.66 28.73 12.25 0.01 1.87 1.61 -

Profile*

Trupanion Inc

Trupanion, Inc., together with its subsidiaries, provides medical insurance for cats and dogs on subscription basis in the United States, Canada, and Continental Europe. The company operates in two segments, Subscription Business and Other Business. It serves pet owners and veterinarians. The company was formerly known as Vetinsurance International, Inc. and changed its name to Trupanion, Inc. in 2013. Trupanion, Inc. was founded in 2000 and is headquartered in Seattle, Washington.

6100 4th Avenue South, Seattle, WA, United States, 98108

855 727 9079

https://www.trupanion.com

1121

Name Title Year Born
Mr. Darryl Graham Andrew Rawlings Founder, CEO & Director 1969
Ms. Margaret Tooth Pres 1979
Ms. Tricia Lynn Plouf Chief Operating Officer 1979
Mr. Andrew Donald Wolff M.B.A. Chief Financial Officer 1971
Mr. Gavin Derek Friedman Exec. VO of Legal & Corp. Sec. 1968
Mr. Asher Benjamin Bearman Exec. VP of Corp. Devel. 1978
Mr. Howard Elliot Rubin Independent Director & Consultant 1953
Mr. Chris Cappelletti CTO and Exec. VP of IT & Data NA
Ms. Laura Bainbridge VP of Corp. Communications NA
Scott Janzen Director of Communications NA

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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