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TRUP 
Trupanion Inc (TRUP)
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Upturn Advisory Summary
01/09/2026: TRUP (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
6 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $53
1 Year Target Price $53
| 3 | Strong Buy |
| 1 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -4.88% | Avg. Invested days 31 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 01/09/2026 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.56B USD | Price to earnings Ratio 100.22 | 1Y Target Price 53 |
Price to earnings Ratio 100.22 | 1Y Target Price 53 | ||
Volume (30-day avg) 6 | Beta 1.59 | 52 Weeks Range 31.00 - 57.88 | Updated Date 01/9/2026 |
52 Weeks Range 31.00 - 57.88 | Updated Date 01/9/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.36 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 1.1% | Operating Margin (TTM) 1.6% |
Management Effectiveness
Return on Assets (TTM) 0.93% | Return on Equity (TTM) 4.49% |
Valuation
Trailing PE 100.22 | Forward PE 1428.57 | Enterprise Value 1324595757 | Price to Sales(TTM) 1.11 |
Enterprise Value 1324595757 | Price to Sales(TTM) 1.11 | ||
Enterprise Value to Revenue 0.95 | Enterprise Value to EBITDA 28.65 | Shares Outstanding 43198164 | Shares Floating 33612059 |
Shares Outstanding 43198164 | Shares Floating 33612059 | ||
Percent Insiders 5.71 | Percent Institutions 89.54 |
Upturn AI SWOT
Trupanion Inc
Company Overview
History and Background
Trupanion Inc. was founded in 2000 by Dale Hersey and later led by Adrian Berger. It is a global leader in medical insurance for pets. The company's mission is to provide pet owners with financial peace of mind by offering comprehensive and affordable pet insurance. Key milestones include its IPO in 2014 and its continuous expansion into new markets and veterinary partnerships.
Core Business Areas
- Pet Medical Insurance: Trupanion offers a subscription-based medical insurance product for dogs and cats, covering a wide range of veterinary expenses including diagnostic tests, treatments, surgeries, and medications. The company focuses on direct-to-consumer sales and also partners with veterinary clinics and breeders.
- Data and Technology Services: Leveraging its extensive data on veterinary care and pet health, Trupanion provides valuable insights and technological solutions to veterinarians, aiming to improve practice management and patient care.
Leadership and Structure
The company is led by Adrian Berger (CEO), who has been instrumental in its growth. Trupanion operates with a relatively flat organizational structure, emphasizing innovation and customer service. Its operational structure is built around its proprietary software and claims processing system.
Top Products and Market Share
Key Offerings
- Trupanion Pet Insurance: A comprehensive medical insurance plan for pets, covering accidents and illnesses. This is the company's primary revenue driver. While specific market share data for Trupanion within the broader pet insurance market is not publicly detailed, it is considered one of the largest providers in North America. Competitors include Embrace Pet Insurance, Nationwide Pet Insurance, Healthy Paws Pet Insurance, and Petplan.
Market Dynamics
Industry Overview
The pet insurance industry is experiencing significant growth, driven by increased pet ownership, rising veterinary costs, and a growing humanization of pets. The market is still relatively penetrated compared to human health insurance, indicating substantial room for expansion.
Positioning
Trupanion is positioned as a premium provider of pet medical insurance, known for its direct-to-veterinarian payment model and comprehensive coverage. Its strong relationships with veterinary clinics are a key competitive advantage.
Total Addressable Market (TAM)
The TAM for pet insurance is substantial and growing. While exact figures vary, estimates suggest a multi-billion dollar global market. Trupanion is well-positioned to capture a significant portion of this market, especially in North America and its expanding international presence.
Upturn SWOT Analysis
Strengths
- Strong brand recognition in the pet insurance market.
- Proprietary technology and direct-to-veterinarian payment system.
- Extensive network of veterinary partnerships.
- High customer retention rates.
- Focus on innovation and data analytics.
Weaknesses
- Relatively high premium costs compared to some competitors.
- Reliance on a single core product (pet insurance).
- Can be susceptible to rising veterinary costs.
- Limited international market penetration compared to North America.
Opportunities
- Continued growth in pet ownership and humanization.
- Expansion into new geographic markets.
- Development of new product offerings and services.
- Leveraging data for enhanced customer insights and operational efficiencies.
- Partnerships with pet retailers and other pet-focused businesses.
Threats
- Increased competition from new entrants and established insurers.
- Economic downturns affecting consumer spending on discretionary services.
- Regulatory changes affecting the insurance industry.
- Potential for significant increases in veterinary care costs.
- Negative publicity or adverse events impacting consumer trust.
Competitors and Market Share
Key Competitors
- Nationwide Mutual Insurance Company (NWG)
- Embrace Pet Insurance Agency LLC
- Healthy Paws Pet Insurance LLC
- Petplan Pet Insurance
Competitive Landscape
Trupanion's advantages include its direct-to-veterinarian payment model and strong technology infrastructure. However, it faces intense competition from larger, diversified insurance providers and specialized pet insurers, many of whom may offer a wider range of plans or have a more established brand presence in certain segments.
Growth Trajectory and Initiatives
Historical Growth: Trupanion has experienced substantial historical growth, driven by its expanding subscriber base, increased retention rates, and entry into new markets. The company has consistently grown its revenue and number of enrolled pets over the past decade.
Future Projections: Analyst projections for Trupanion typically indicate continued strong revenue growth, driven by market penetration and potential new product launches. Profitability is expected to improve as the company scales and optimizes its operations.
Recent Initiatives: Recent initiatives likely include enhancements to its technology platform, expansion of its veterinary network, and marketing efforts to increase brand awareness and acquisition. Exploration of new markets and potential partnerships are also ongoing.
Summary
Trupanion Inc. is a strong player in the growing pet insurance market, with a robust business model driven by technology and veterinary partnerships. Its consistent revenue growth and high customer retention are positive indicators. However, the company faces increasing competition and the inherent risks associated with rising veterinary costs. Continued expansion and innovation will be key to maintaining its growth trajectory and addressing market challenges.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Investor Relations
- Financial News Outlets (e.g., Bloomberg, Wall Street Journal)
- Market Research Reports on the Pet Insurance Industry
- SEC Filings (10-K, 10-Q)
Disclaimers:
This analysis is based on publicly available information and is intended for informational purposes only. It does not constitute investment advice. Market share data is an estimation and may vary based on reporting methodology and time frame. Financial performance figures are subject to change and should be verified with official company filings.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Trupanion Inc
Exchange NASDAQ | Headquaters Seattle, WA, United States | ||
IPO Launch date 2014-07-18 | President, CEO & Director Ms. Margaret Rosemary Maria Tooth | ||
Sector Financial Services | Industry Insurance - Property & Casualty | Full time employees 1130 | Website https://www.trupanion.com |
Full time employees 1130 | Website https://www.trupanion.com | ||
Trupanion, Inc., together with its subsidiaries, provides medical insurance for cats and dogs on subscription basis in the United States, Canada, Continental Europe, and Australia. 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. changed its name to Trupanion, Inc. in 2013. The company was founded in 2000 and is headquartered in Seattle, Washington.
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