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Trupanion, Inc. (TRUP) stock

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NASDAQ: TRUP Nasdaq Property & Casualty Insurance Next results ~November 5, 2026

D Fundamentals grade

Trupanion, Inc. is a US-listed company in the property & casualty insurance industry. Its financial year ends in December.

Stock price today

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Third-party market data · may be delayed

Model estimate per share

~$11

Price-to-earnings vs peers

Base case. Range ~$9.5–$17. Earnings per share times peers' typical (harmonic-mean) price-to-earnings.

Price vs value

No Buy/Hold/Sell rating is issued: only 1 valuation models apply; a rating needs 3.

Trupanion, Inc. valuation: adjust assumptions and compare models →

Who’s trading

What company insiders, investment funds and members of Congress have been doing with the stock, from their own filings.

  • Insiders0 buying, 5 selling0 purchases and 30 sales by directors and officers, last 12 monthsInsider trades
  • Funds99 adding, 93 cuttingOf 38 active managers that changed their stake, 20 added; quarter to June 30, 2026Fund buyers and sellers

Value diary

Our note on each quarter Trupanion files

Where Trupanion stands after its latest 10-Q

Revenue for the twelve months to June 2026 was $1.52bn, up 11.8% on a year earlier, about the same pace as a quarter earlier. The diluted share count is up 2.9% on a year earlier, which dilutes existing holders. Our price-to-earnings vs peers value is $11.57 a share, against a share price of $29.52.

Source: 10-Q filed August 5, 2026 on SEC EDGAR · Financials · Valuation

Written from the company's filings and our models when each quarter's report arrives. Figures in older notes are as published at the time. Not investment advice.

The Fundamentalytics view

Next results ~November 5, 2026 (estimated)

Trupanion, Inc.'s trailing-twelve-month revenue grew 11.8% year on year, with a free-cash-flow margin of 5.4%. Where it lags: net margin of 1.5% ranks 41 of 48 property & casualty insurance companies we cover.

Current signal Free cash flow diverging from earnings: TTM free cash flow grew 34.0% while net income grew 110.8%: a 77pp divergence.

Assembled from SEC-filed figures — the full workings are on this page and in our methodology. Observations, not recommendations.

Highlights

How we pick these

Strengths

Nothing in Trupanion, Inc.'s latest figures clears our strength thresholds.

Things to watch

  • Results due soon. Results are expected around 5 November; the share price can move sharply on the day.
  • Share dilution. Diluted shares rose 2.9% in a year.
  • High earnings multiple. The shares trade at 58 times the last 12 months' earnings, so expectations are demanding.
  • Volatile shares. Over the past year the shares showed annualised volatility of 48% and a beta of 0.0 against the S&P 500.
  • Below peers: net margin. Net margin of 1.5% ranks 41 of 48 property & casualty insurance companies we cover (median 10.8%).
  • Below peers: stock pay as % of revenue. Stock pay as % of revenue of 2.5% ranks 29 of 34 property & casualty insurance companies we cover (median 0.7%).

Latest results: FY2026 Q2

Filed August 5, 2026
Earnings per share
$0.86 against an average estimate of $0.94: missed by 8.6%
Revenue
$393m, up 11.1% on a year earlier
Share reaction
+14.2% in the first session after the results on August 5, 2026, against -0.4% for the S&P 500
Next report
November 5, 2026; average EPS estimate $1.01

Trupanion's figures from its SEC filings and results release; estimates are the analysts' average. Not a recommendation.

Price chart

  • 1 day+2.1%
  • 1 week+3.3%
  • 1 month+30.4%
  • This year-17.7%
  • 1 year-23.1%
  • 5 years-71.2%
  • S&P 500 this year+11.2%

Closing prices to 2026-11-02. Price change only, dividends excluded.

Loading chart…

Third-party market data · may be delayed

At a glance

Trailing twelve months, from SEC filings

Profitability

Revenue (TTM)
$1.5B
Operating margin
1.6%
Net margin
1.5%
EPS (TTM, diluted)
$0.53

Growth

Revenue growth
+11.8%
Change in growth rate
−0.3 pts
Share count change
+2.9%

Earnings

Last results
August 5, 2026
Next results (est.)
November 5, 2026

News & updates

Updated October 31, 2026

Company announcements, filed results and changes that matter to shareholders.

  1. Announcement
  2. Partnership
  3. Announcement
  4. Announcement
  5. Announcement
  6. Results
  7. Announcement

Refreshed hourly when new source data is available. Summaries are checked against company releases and SEC filings. Company announcement headlines are labelled when a checked summary is unavailable.

Valuation

Trupanion, Inc. valuation models and calculator

Fundamentalytics rating

model v1.6 · 2026-11-03

Not rated: only 1 valuation models apply; a rating needs 3.

Valuation models

We value Trupanion, Inc. as a health plan, with every model that fits that kind of business. Cost of equity 8.5%: the 10-year Treasury yield (4.9%) plus a beta of 0.79 times a 4.5% equity risk premium.

Value per share by model
Model Value per share In the combined value?
Price-to-earnings vs peers Earnings per share times peers' typical (harmonic-mean) price-to-earnings. ~$11 ~$9.5–$17 Primary model, counts double
Residual income Book value plus the present value of returns above the cost of equity, fading over ten years. — Does not apply: the model gives no positive value
Justified price-to-book Book value times (return on equity - growth) / (cost of equity - growth): steady-state returns. — Does not apply: return on equity is not positive
Combined value Weighted average of the models that apply: the primary model (price-to-earnings vs peers) counts double. Models more than 5x or less than 0.2x the share price, or more than 3x away from the other models' median, are left out. ~$11 ~$9.5–$17 1 model

Different models fail in different ways, so where several apply we average them rather than trust one. Peer-based models compare Trupanion, Inc. with health plans in our coverage, using third-party market data. Model values are estimates under stated assumptions, updated as new filings arrive; not price targets or investment advice. How each model works.

Moat

37 /100

Weak moat

How hard Trupanion's competitive advantage looks for rivals to wear away, judged from 10 years of its own filings: returns on capital, pricing power, profit durability, cash conversion and discipline.

  • Returns on capital 4 / 20

    Cash operating profit has been a median 4.6% of total assets over 10 years.

  • Durability 10 / 20

    Operating margin has been a median -1.1%; its worst year was -5.8%.

  • Discipline 11 / 20

    The diluted share count rose 14.7% over five years; stock-based pay has been a median 2.5% of revenue.

AI disruption exposure: Medium. In this industry, AI could change how the product is made or sold, without replacing the core asset. The score above includes a 5-point deduction for that exposure (42 before it).

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

Forecasts and guidance

Next results: November 5, 2026, after the close. Analysts expect revenue of $403m and EPS of $1.01 (range $1.01 to $1.01) for the quarter.

Analysts' consensus

Fiscal yearEPSGrowthRevenueGrowth
Current $4.04 +47% $1.6bn +11%
Next $4.26 +6% $1.7bn +8%

Next year's EPS estimate has moved −1.2% in 90 days, across 1 analysts.

Earnings against estimates

Quarter toEstimateActualSurprise
Jun 2026 $0.94 $0.86 −8.6%
Mar 2026 $0.88 $0.78 −11.8%
Dec 2025 $0.16 $0.13 −19.6%
Sept 2025 $0.89 $0.77 −13.8%

Adjusted EPS as companies report it, against the average analyst estimate.

Analyst recommendations

6 analysts, Oct 2026
Buy233%
Hold467%
Sell00%

Monthly trend

  1. Oct 2026246
  2. Sep 2026246
  3. Aug 20261236

Counts of recommendations published by analysts covering Trupanion, Inc., by month. Source: Aggregated broker recommendations (third-party data). Aggregated counts only: we do not reproduce any firm's recommendation or price target, and these are not Fundamentalytics ratings.

Positioning

Short interest
10.7%
of tradable shares
Days to cover
8.45
at average volume
Short interest, 1 month
−3%
to September 30, 2026
Held by institutions
79%
of shares
Held by insiders
15.7%
of shares
Employees
1,121
full time

Consensus figures average analysts' published estimates (third-party data); guidance is the company's own. Neither is our forecast. Short interest is reported twice a month and lags. Market data may be delayed.

This section is general information, not investment advice or a personal recommendation, and it does not take account of your objectives or circumstances. Forecasts and guidance are estimates, not promises: companies miss their own guidance and analysts' figures are often revised. Prices can fall as well as rise, and you can lose money. See our disclaimer.

Share-price performance

Market data may be delayed

Recent prices are available. Older price history and the statistics that need it are being loaded in the background.

What moved the share price

Last 12 months −23.1%

$39.99 on October 31, 2025 to $30.75

ThenNowEffect
Revenue (last 12 months) $1.4bn $1.5bn +11.8%
Net margin 0.8% 1.5% +88.6%
P/E multiple 155.0x 58.2x −62.5%
Share count 43m 44m −2.8%

Biggest factor: p/e multiple.

Last 3 years +17.6%

$26.14 on November 3, 2023 to $30.75

ThenNowEffect
Revenue (last 12 months) $1.0bn $1.5bn +51.1%
P/S multiple 1.1x 0.9x −16.7%
Share count 41m 44m −6.5%

Biggest factor: revenue. Loss-making at one end, so the split uses price/sales.

The effects multiply back to the price change exactly. Results are the last 12 months as known on each date (filings assumed public 45 days after quarter end).

Return and risk by year

Calendar year 202120222023202420252026 to date
Return
TRUP+10%−64%−36%+58%−23%−18%
Industry peers (median)+15%+1%+9%+30%+9%+10%
S&P 500+29%−18%+26%+25%+18%+11%
Months that ended higher
TRUP50%33%42%42%33%36%
S&P 50075%42%67%75%75%46%
Largest fall from a high during the year
TRUP−42%−67%−71%−44%−40%−43%
S&P 500−5%−25%−10%−8%−19%−9%

Worst fall since October 29, 2015: 87% from December 7, 2021 to June 30, 2023. Getting back needed a 690% gain, and the shares have not yet recovered.

Price behaviour

52-week range
$21.46 – $42.49
From 52-week high
−27.6%
vs 50-day average
+14.4%
vs 200-day average
+15.7%
Volatility (1 year)
48%
Beta vs S&P 500
0.03

Volatility is the annualised standard deviation of daily returns. Beta 1.5 means the shares typically moved 1.5% for each 1% move in the S&P 500 over the past year. Prices to November 2, 2026.

Share price after results

Next day
6 up, 6 down
typical move ±15.1%
After a week
7 up, 5 down
typical move ±14.7%
After a month
6 up, 6 down
typical move ±19.7%
Results releasedNext dayS&P 500 next day5 days21 days
August 5, 2026 +14.2% −0.4% +23.0% +16.8%
April 30, 2026 −3.0% +1.3% +2.0% −11.2%
February 12, 2026 −13.5% −1.5% −10.1% −21.6%
November 6, 2025 −9.2% −1.0% −7.3% −12.3%
August 7, 2025 +0.4% +0.7% +1.8% −10.8%
May 1, 2025 +23.0% +2.2% +20.4% +27.7%
February 19, 2025 −27.3% −0.2% −30.5% −24.5%
October 30, 2024 +2.9% −2.3% −5.7% +0.1%
August 8, 2024 +13.8% +2.8% +28.6% +27.4%
May 2, 2024 −14.9% +2.2% +6.6% +20.5%
February 15, 2024 −31.3% +0.2% −31.0% −19.2%
November 2, 2023 +27.8% +2.8% +8.8% +43.7%

From the close before the release date to the close 1, 5 and 21 trading days after it, so releases before the open and after the close are both captured. Past moves don't predict future ones.

Trupanion, Inc. in five measures

Fundamentals grade D
Growth Profitability Cash Balance sheet

Growth, profitability, cash generation and balance sheet are percentiles against the companies we cover in the same industry, from SEC filings (100 = best). Value compares the share price with our modelled value range (50 = at our base value; higher = cheaper). A description of reported data and our model — not a quality score or advice.

Fundamentals

Revenue (TTM) Trupanion, Inc.
$1B $1.2B $1.4B $1.6B FY23 Q3 FY24 Q2 FY25 Q1 FY26 Q2 Revenue (TTM), FY23 Q3: $1.1B Revenue (TTM), FY23 Q4: $1.1B Revenue (TTM), FY24 Q1: $1.2B Revenue (TTM), FY24 Q2: $1.2B Revenue (TTM), FY24 Q3: $1.2B Revenue (TTM), FY24 Q4: $1.3B Revenue (TTM), FY25 Q1: $1.3B Revenue (TTM), FY25 Q2: $1.4B Revenue (TTM), FY25 Q3: $1.4B Revenue (TTM), FY25 Q4: $1.4B Revenue (TTM), FY26 Q1: $1.5B Revenue (TTM), FY26 Q2: $1.5B $1.5B

Source: SEC EDGAR filings. Retrieved October 26, 2026.

View chart data
Period Revenue (TTM)
FY23 Q3 $1.1B
FY23 Q4 $1.1B
FY24 Q1 $1.2B
FY24 Q2 $1.2B
FY24 Q3 $1.2B
FY24 Q4 $1.3B
FY25 Q1 $1.3B
FY25 Q2 $1.4B
FY25 Q3 $1.4B
FY25 Q4 $1.4B
FY26 Q1 $1.5B
FY26 Q2 $1.5B
Revenue growth, TTM YoY Trupanion, Inc.
10% 15% 20% 25% FY23 Q3 FY24 Q2 FY25 Q1 FY26 Q2 Revenue growth, TTM YoY, FY23 Q3: 24.0% Revenue growth, TTM YoY, FY23 Q4: 22.5% Revenue growth, TTM YoY, FY24 Q1: 21.2% Revenue growth, TTM YoY, FY24 Q2: 19.5% Revenue growth, TTM YoY, FY24 Q3: 17.5% Revenue growth, TTM YoY, FY24 Q4: 16.0% Revenue growth, TTM YoY, FY25 Q1: 14.1% Revenue growth, TTM YoY, FY25 Q2: 13.1% Revenue growth, TTM YoY, FY25 Q3: 12.5% Revenue growth, TTM YoY, FY25 Q4: 11.9% Revenue growth, TTM YoY, FY26 Q1: 12.1% Revenue growth, TTM YoY, FY26 Q2: 11.8% 11.8%

Source: SEC EDGAR filings. Retrieved October 26, 2026.

View chart data
Period Revenue growth, TTM YoY
FY23 Q3 24.0%
FY23 Q4 22.5%
FY24 Q1 21.2%
FY24 Q2 19.5%
FY24 Q3 17.5%
FY24 Q4 16.0%
FY25 Q1 14.1%
FY25 Q2 13.1%
FY25 Q3 12.5%
FY25 Q4 11.9%
FY26 Q1 12.1%
FY26 Q2 11.8%
Operating margin (TTM) Trupanion, Inc.
-6% -4% -2% 0% 2% FY23 Q3 FY24 Q2 FY25 Q1 FY26 Q2 Operating margin (TTM), FY23 Q3: -4.7% Operating margin (TTM), FY23 Q4: -3.7% Operating margin (TTM), FY24 Q1: -1.9% Operating margin (TTM), FY24 Q2: -1.2% Operating margin (TTM), FY24 Q3: -0.8% Operating margin (TTM), FY24 Q4: -0.7% Operating margin (TTM), FY25 Q1: -0.4% Operating margin (TTM), FY25 Q2: 0.2% Operating margin (TTM), FY25 Q3: 0.5% Operating margin (TTM), FY25 Q4: 1.0% Operating margin (TTM), FY26 Q1: 1.4% Operating margin (TTM), FY26 Q2: 1.6% 1.6%

Source: SEC EDGAR filings. Retrieved October 26, 2026.

View chart data
Period Operating margin (TTM)
FY23 Q3 -4.7%
FY23 Q4 -3.7%
FY24 Q1 -1.9%
FY24 Q2 -1.2%
FY24 Q3 -0.8%
FY24 Q4 -0.7%
FY25 Q1 -0.4%
FY25 Q2 0.2%
FY25 Q3 0.5%
FY25 Q4 1.0%
FY26 Q1 1.4%
FY26 Q2 1.6%
FCF margin (TTM) Trupanion, Inc.
-2% 0% 2% 4% 6% FY23 Q3 FY24 Q2 FY25 Q1 FY26 Q2 FCF margin (TTM), FY23 Q3: -1.7% FCF margin (TTM), FY23 Q4: 0.0% FCF margin (TTM), FY24 Q1: 1.0% FCF margin (TTM), FY24 Q2: 2.0% FCF margin (TTM), FY24 Q3: 2.4% FCF margin (TTM), FY24 Q4: 3.0% FCF margin (TTM), FY25 Q1: 4.0% FCF margin (TTM), FY25 Q2: 4.5% FCF margin (TTM), FY25 Q3: 5.1% FCF margin (TTM), FY25 Q4: 5.2% FCF margin (TTM), FY26 Q1: 5.1% FCF margin (TTM), FY26 Q2: 5.4% 5.4%

Source: SEC EDGAR filings. Retrieved October 26, 2026.

View chart data
Period FCF margin (TTM)
FY23 Q3 -1.7%
FY23 Q4 0.0%
FY24 Q1 1.0%
FY24 Q2 2.0%
FY24 Q3 2.4%
FY24 Q4 3.0%
FY25 Q1 4.0%
FY25 Q2 4.5%
FY25 Q3 5.1%
FY25 Q4 5.2%
FY26 Q1 5.1%
FY26 Q2 5.4%

Data: SEC EDGAR XBRL company facts (as filed in 10-K/10-Q); forms 10-K, 10-Q. Generated November 3, 2026. Definitions in our methodology.

Financial statements

US$ millions unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year 2012 Dec 2012 2013 Dec 2013 2014 Dec 2014 2015 Dec 2015 2016 Dec 2016 2017 Dec 2017 2018 Dec 2018 2019 Dec 2019 2020 Dec 2020 2021 Dec 2021 2022 Dec 2022 2023 Dec 2023 2024 Dec 2024 2025 Dec 2025 LTM Jun 2026
Income
Revenue 56 84 116 147 188 243 304 384 502 699 905 1,109 1,286 1,439 1,521
Gross profit 11 16 20 25 33 43 51 65 82 104 122 131 179 231 252
EBITDA −5 −6 −14 −14 −3 2 3 4 2 −23 −32 −28 7 30 40
Operating income −6 −7 −16 −17 −7 −3 −1 −2 −5 −35 −43 −41 −10 14 24
Net income −6 −8 −21 −17 −7 −2 −1 −2 −6 −36 −45 −45 −10 19 23
Diluted EPS −$0.98 −$0.62 −$1.64 −$0.62 −$0.24 −$0.05 −$0.03 −$0.05 −$0.16 −$0.89 −$1.10 −$1.08 −$0.23 $0.45 $0.53
Growth (year on year)
Revenue — +51.0% +38.3% +26.8% +28.1% +28.9% +25.3% +26.3% +30.8% +39.2% +29.5% +22.5% +16.0% +11.9% +11.8%
Margins
Gross margin 20.2% 18.7% 17.1% 17.2% 17.7% 17.7% 16.9% 16.9% 16.3% 14.9% 13.5% 11.8% 13.9% 16.1% 16.6%
EBITDA margin −9.4% −7.3% −12.3% −9.7% −1.5% 0.7% 1.1% 1.0% 0.4% −3.3% −3.5% −2.5% 0.5% 2.1% 2.6%
Operating margin −10.0% −8.3% −13.8% −11.4% −3.6% −1.1% −0.3% −0.5% −1.0% −5.0% −4.8% −3.7% −0.7% 1.0% 1.6%
Net margin −11.5% −9.8% −18.3% −11.7% −3.7% −0.6% −0.3% −0.5% −1.2% −5.1% −4.9% −4.0% −0.7% 1.4% 1.5%
Free-cash-flow margin −6.5% −3.0% −14.2% −10.4% 1.6% 2.7% −14.6% 2.8% 2.8% −0.7% −2.8% 0.0% 3.0% 5.2% 5.4%
Cash flow
Cash from operations −2 −1 −11 −10 5 10 13 16 22 7 −8 19 48 89 94
Capital spending 2 1 6 5 2 3 57 5 7 12 17 18 10 14 12
Free cash flow −4 −2 −16 −15 3 7 −44 11 14 −5 −25 0 39 75 82
Stock-based pay 1 2 4 3 3 3 5 7 9 28 33 33 33 38 38
Free cash flow after stock pay −5 −4 −21 −18 0 3 −49 4 5 −33 −58 −33 5 37 44
Balance sheet
Cash 4 15 53 18 24 26 27 29 140 87 66 148 160 138 149
Total debt 0 26 30 0 10 9 13 26 0 0 69 129 129 112 107
Net debt (negative = net cash) −4 11 −23 −18 −14 −16 −14 −3 −140 −87 4 −19 −31 −26 −42
Diluted shares 8m 13m 13m 28m 29m 30m 32m 35m 36m 40m 41m 41m 42m 44m 44m
Returned to shareholders
Buybacks — — — — — — — — — 0 6 0 0 — —
Total returned — — — — — — — — — 0 6 0 0 — —

Source: SEC EDGAR XBRL company facts (US and foreign periodic filings); column headings link to the filing. EBITDA is operating income plus depreciation and amortisation. Free cash flow is cash from operations minus capital spending. Growth is left blank when last year's figure was a loss or under 2% of revenue. Share counts and EPS are restated for stock splits. A dash means the company didn't report the figure.

Dividends, buybacks and capital spending

Diluted share count
+2.9%
year over year

Competitors: side by side with peers

Closest by revenue in property & casualty insurance
Last 12 months unless stated TRUP ROOT UFCS UVE SKWD SAFT Median
Revenue, last 12 months $1.5bn $1.6bn $1.5bn $1.7bn $1.7bn $1.3bn $1.7bn
Revenue growth, last 12 months 11.8% 14.9% 11.4% 5.5% 38.3% 7.2% 8.0%
Revenue growth, 3-year average 14.7% 75.5% 11.9% 7.4% 32.5% 14.3% 9.5%
Revenue growth, latest quarter 11.1% 1.6% 14.4% 9.6% 53.0% 3.0% 4.2%
Operating margin 1.6% 5.5% — — — — 9.4%
Operating margin, 3-year average 0.2% 3.3% — — — — 1.8%
Net margin 1.5% 3.9% 9.6% 13.9% 10.8% 5.3% 10.5%
Cash from operations / revenue 6.2% 12.4% 18.4% 21.9% 23.5% 14.0% 18.2%
Free-cash-flow margin 5.4% 12.4% 17.7% 21.6% 23.5% 13.7% 17.6%
Free-cash-flow margin, 3-year average 4.0% 14.3% 20.4% 17.6% 28.7% 11.1% 16.5%
Stock pay / revenue 2.5% 2.6% 0.7% 3.2% 1.0% 0.4% 0.6%
Change in share count 2.9% −5.7% −0.4% −0.4% 4.8% −0.8% −0.7%

Median of all 48 companies we cover in property & casualty insurance. Shaded: best of the six on that line (lowest for stock pay and share-count growth). 3-year figures average the last three 12-month periods; 3-year growth is compound annual. Source: SEC filings.

Peer comparison

48 property & casualty insurance companies
Measure Company Peer median Rank
Revenue growth Growth 11.8% 8.3% 17 of 48
Change in growth rate Growth -0.3pp -0.7pp 20 of 48
Operating margin Profitability 1.6% 8.0% 7 of 9
Net margin Profitability 1.5% 10.8% 41 of 48
Stock pay as % of revenue Cash generation 2.5% 0.7% 29 of 34
Change in share count Balance sheet 2.9% -0.7% 38 of 47

Rank 1 = best in the group (for spending, debt and dilution, lower ranks first).

Where the revenue comes from

Fiscal year to December 31, 2025
Segments
Line of business Revenue Share YoY
Subscriptionbusiness $989M 68.7% ▲ 15.5%
All Other Segments $450M 31.3% ▲ 4.8%

From Trupanion, Inc.'s 10-K filed February 13, 2026, as tagged in the filing. View filing. Indented rows are part of the line above; their share is of that line. In the bars, the faint bar behind is the year before.

Who owns it

Funds buying and selling
Reported value
$838M
Institutions reporting
199
Shares held vs prior quarter
▲ 1.0%
Positions opened / closed
28 / 33

Top buyers and sellers, Q2 2026: 99 institutions bought and 93 sold ; the biggest buyer was Morgan Stanley (+203K shares) and the biggest seller Dimensional Fund Advisors LP (−321K). See which funds bought and sold →

Largest reported holders, June 30, 2026
Manager Value Shares Share of 13F value Shares QoQ
Blackrock, Inc. $135M 5.4M 16.1% 0.0%
Capital World Investors $95.1M 3.8M 11.4% ▲ 1.6%
Aflac Inc $90.1M 3.6M 10.7% 0.0%
Vanguard Portfolio Management LLC $44.6M 1.8M 5.3% ▲ 2.2%
Polar Capital Holdings PLC $43.3M 1.8M 5.2% ▲ 7.7%
Vanguard Capital Management LLC $36.8M 1.5M 4.4% ▲ 2.3%
State Street Corp $33.8M 1.4M 4.0% ▲ 3.7%
FMR LLC $25.8M 1.0M 3.1% ▼ 23.2%
Morgan Stanley $22.3M 901K 2.7% ▲ 29.1%
Geode Capital Management, LLC $21.7M 876K 2.6% ▼ 0.3%
Greenlea Lane Capital Management, LLC $19.2M 776K 2.3% 0.0%
Bank Of America Corp $14.3M 576K 1.7% ▼ 2.5%

From Form 13F filings with the SEC ( quarterly data sets), as reported by each manager for June 30, 2026 and filed up to 45 days later. 13F reports cover long US-listed positions of managers above $100M only, so this is not Trupanion, Inc.'s complete shareholder register. Values are as reported by the filers .

Insider trading activity

Full insider history and chart
Insider purchases History → $0 0 trades by 0 insiders, last 12 months Insider sales History → $2.6M 30 trades by 5 insiders · 77% under pre-set plans
Net ▼ $2.6M net selling
Insider Date Trade Shares Price Value
Gallagher John R Chief Operating Officer October 28, 2026 Sell pre-set plan 431 $29.12 $12,551
Tooth Margaret CEO October 9, 2026 Sell pre-set plan 1,000 $25.84 $25,840
Gallagher John R Chief Operating Officer September 28, 2026 Sell pre-set plan 431 $22.92 $9,879
Tooth Margaret CEO September 11, 2026 Sell pre-set plan 1,000 $25.00 $25,000
Gallagher John R Chief Operating Officer August 28, 2026 Sell pre-set plan 3,604 $29.70 $107,039
Qureshi Fawwad Chief Financial Officer August 26, 2026 Sell 6,111 $30.01 $183,391
Tooth Margaret CEO August 25, 2026 Sell 491 $31.84 $15,633
Tooth Margaret CEO August 11, 2026 Sell pre-set plan 978 $29.05 $28,411
Gallagher John R Chief Operating Officer July 28, 2026 Sell pre-set plan 431 $25.08 $10,809
Gallagher John R Chief Operating Officer June 29, 2026 Sell pre-set plan 431 $25.35 $10,926
Weinrauch Steve EVP, North Am & Vet Strategy June 5, 2026 Sell 6,674 $22.00 $146,828
Gallagher John R Chief Operating Officer May 28, 2026 Sell pre-set plan 3,603 $21.69 $78,149

From insiders' Form 4 filings with the SEC. Excludes awards, option exercises and shares withheld for tax. "Pre-set plan" means the filing marks the trade as made under a Rule 10b5-1 plan. See every insider trade since five years ago, on a price chart.

Trades by members of Congress

All 15 trades and filings

No trades in Trupanion, Inc. disclosed in the last 12 months; 15 earlier trades on record.

  • Bradley Scott Schneider(D-IL 10):Sale (partial), $50,001 - $100,000, traded December 10, 2021, filed March 17, 2022
  • Bradley Scott Schneider(D-IL 10):Exchange, $50,001 - $100,000, traded December 10, 2021, filed March 17, 2022
  • Bradley Scott Schneider(D-IL 10):Sale (full), $15,001 - $50,000, traded December 7, 2021, filed August 13, 2022

Value ranges as filed; reports can arrive up to 45 days after a trade.

Earnings dates and SEC filings

Results announcements

Next expected around November 5, 2026 estimated from the company's past filing pattern, not announced

  • August 5, 2026
  • April 30, 2026
  • February 12, 2026
  • November 6, 2025
  • August 7, 2025
  • May 1, 2025

Recent SEC filings

Data status

When each part of this page on Trupanion, Inc. was last updated.

DataLast updatedSource
Share priceExchange closing prices
Financial statementsSEC 10-K and 10-Q filings
News and updatesCompany releases and SEC 8-K filings
Analyst estimatesAggregated analyst estimates
Valuation and scoresOur models, from the filed figures

How we build and check these figures: methodology and data sources.

Trupanion, Inc. in brief

What does Trupanion, Inc. do?
Trupanion, Inc. is a US-listed company in the property & casualty insurance industry. Its financial year ends in December.
What is Trupanion, Inc.'s stock ticker?
Trupanion, Inc. trades under the ticker TRUP on Nasdaq. This page brings together its financial statements, valuation models, ownership and recent company updates.
What is Trupanion, Inc.'s revenue, and how fast is it growing?
Over its most recent trailing twelve months, Trupanion, Inc. reported revenue of $1.5B, 11.8% higher than a year earlier, according to its SEC filings.
What is Trupanion, Inc.'s free cash flow?
Trupanion, Inc.'s free-cash-flow margin is 5.4% of revenue over the trailing twelve months.
Who are Trupanion, Inc.'s largest institutional shareholders?
By value reported in 13F filings for June 30, 2026, the largest reported holders are Blackrock, Inc., Capital World Investors and Aflac Inc. 13F reports cover long US-listed positions of managers above $100M, filed up to 45 days after quarter end.
What is Trupanion, Inc.'s market cap?
On November 2, 2026, Trupanion, Inc.'s market capitalisation was about $1.4B, with a price-to-earnings ratio of 58.2 and net debt of -$42.5M. Market figures come from third-party market data and may be delayed.
Who are Trupanion, Inc.'s competitors?
In our Property & Casualty Insurance peer group, the companies closest to Trupanion, Inc. are Root, Inc., United Fire Group Inc, Universal Insurance Holdings, Inc., Skyward Specialty Insurance Group, Inc. and Safety Insurance Group Inc. The side-by-side comparison below sets their revenue, margins and growth against Trupanion, Inc.'s.
Are insiders buying or selling Trupanion, Inc. stock?
Over the last 12 months, Trupanion, Inc.'s directors and officers reported 0 open-market purchases and 30 sales on Form 4. The insider trading page charts every trade.
When is Trupanion, Inc.'s next earnings date?
Around November 5, 2026, estimated from the spacing of its past results announcements (8-K filings). That is an estimate, not a confirmed date — Trupanion, Inc. announces its own schedule.