Trupanion, Inc.

  • Market Cap: Small Cap
  • Industry: Insurance
  • ISIN: US8982021060
USD
37.03
2.19 (6.29%)
  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-summaryPrice Point
High/Low

1Day

52 Week

Valuation
Technical
Day's Volume

CASH

466.88 k

Shareholding (Mar 2025)

FII

21.97%

Held by 120 FIIs

DII

30.88%

Held by 44 DIIs

Promoter

8.61%

How big is Trupanion, Inc.?

22-Jun-2025

As of Jun 18, Trupanion, Inc. has a market capitalization of 2,318.74 million and reported net sales of 0.00 million with a net profit of -4.25 million for the latest four quarters. Shareholder's funds are at 323.27 million and total assets are 806.85 million.

As of Jun 18, Trupanion, Inc. has a market capitalization of 2,318.74 million, categorizing it as a Micro Cap company.<BR><BR>As of Jun 18, the sum of Net Sales for the latest four quarters is 0.00 million, while the sum of Net Profit for the same period is -4.25 million.<BR><BR>As of Dec 24, the reporting period shows Shareholder's Funds at 323.27 million and Total Assets at 806.85 million.

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What does Trupanion, Inc. do?

22-Jun-2025

Trupanion, Inc. offers medical insurance plans for cats and dogs and is classified as a micro-cap company with a market cap of approximately $2.32 billion. As of March 2025, it reported a net profit of -$1 million.

Overview:<BR>Trupanion, Inc. provides medical insurance plans for cats and dogs and operates within the insurance industry, categorized as a micro-cap company.<BR><BR>Financial Snapshot:<BR>- Most recent Net Profit: -1 Million (Quarterly Results - Mar 2025)<BR>- Market-cap: USD 2,318.74 Million (Micro Cap)<BR><BR>Key Metrics:<BR>- P/E: 2,162.00<BR>- Debt Equity: -999,999.00<BR>- Return on Equity: 0.27%<BR>- Price to Book: 6.95<BR><BR>Contact Details:<BR>- Address: 6100 4th Ave S Ste 200, SEATTLE WA : 98108-3234<BR>- Tel: ['1 888 7387478', '1 206 6071929']<BR>- Fax: 1 302 6365454<BR>- Website: https://trupanion.com/

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Should I buy, sell or hold Trupanion, Inc.?

22-Jun-2025

Who are in the management team of Trupanion, Inc.?

22-Jun-2025

As of March 2022, Trupanion, Inc.'s management team includes Dr. Murray Low (Independent Chairman), Mr. Darryl Rawlings (President and CEO), and several independent directors: Mr. Eric Johnson, Ms. Jacqueline Davidson, Mr. Michael Doak, Ms. Robin Ferracone, and Mr. Dan Levitan. This team combines executive leadership with independent oversight for diverse governance.

As of March 2022, the management team of Trupanion, Inc. includes the following individuals:<BR><BR>- Dr. Murray Low, who serves as the Independent Chairman of the Board.<BR>- Mr. Darryl Rawlings, who is the President, Chief Executive Officer, and a Director.<BR>- Mr. Eric Johnson, who holds the position of Director.<BR>- Ms. Jacqueline Davidson, who is an Independent Director.<BR>- Mr. Michael Doak, who is also an Independent Director.<BR>- Ms. Robin Ferracone, serving as an Independent Director.<BR>- Mr. Dan Levitan, who is another Independent Director.<BR><BR>In summary, the management team comprises a mix of executive leadership and independent directors, ensuring a diverse governance structure.

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Is Trupanion, Inc. overvalued or undervalued?

20-Sep-2025

As of August 7, 2025, Trupanion, Inc. is considered overvalued with a high P/E ratio of 2162 and poor stock performance, underperforming the S&P 500 significantly over the past year and five years.

As of 7 August 2025, Trupanion, Inc. has moved from a risky to an expensive valuation grade. The company appears to be overvalued, given its high P/E ratio of 2162, a Price to Book Value of 6.48, and an EV to EBITDA of 119.55. In comparison, peers such as AXIS Capital Holdings Ltd. and MGIC Investment Corp. have much lower P/E ratios of 18.60 and 10.15, respectively, indicating that Trupanion is trading at a significant premium relative to its industry counterparts.<BR><BR>The stock has underperformed against the S&P 500 across multiple time frames, with a 1-year return of -2.18% compared to the S&P 500's 17.14%, and a staggering 5-year return of -35.37% against the index's 96.61%. This performance further supports the notion that Trupanion is overvalued in the current market environment.

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Is Trupanion, Inc. technically bullish or bearish?

05-Nov-2025

As of October 31, 2025, Trupanion, Inc. is in a bearish trend with weak strength indicators, significantly underperforming the S&P 500 with year-to-date returns of -18.28% compared to 16.30%.

As of 31 October 2025, the technical trend for Trupanion, Inc. has changed from mildly bearish to bearish. The current stance is bearish with a weak strength indicated by the weekly MACD and Bollinger Bands both showing bearish signals, while the monthly MACD is only mildly bullish. The RSI is bearish on a monthly basis, and moving averages are bearish on a daily basis. Additionally, the KST and Dow Theory are both bearish on a weekly basis. <BR><BR>Trupanion's performance has significantly lagged behind the S&P 500, with a year-to-date return of -18.28% compared to the S&P 500's 16.30%, and a one-year return of -27.80% versus 19.89% for the index.

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iScoreScore
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Strong Sell
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Strong Buy

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Dashboard
1

Strong Long Term Fundamental Strength with a 82.26% CAGR growth in Operating Profits

 
2

Healthy long term growth as Net Sales has grown by an annual rate of 25.67% and Operating profit at 82.26%

 
3

With a growth in Operating Profit of 110.31%, the company declared Very Positive results in Jun 25

4

High Institutional Holdings at 100%

stock-summaryMojo Parameters
Mojo Parameters
Stock DNA
stock-summary
Industry

Insurance

stock-summary
Market cap

USD 1,906 Million (Small Cap)

stock-summary
P/E

2,162.00

stock-summary
Industry P/E

NA

stock-summary
Dividend Yield

0.00%

stock-summary
Debt Equity

-999,999.00

stock-summary
Return on Equity

4.56%

stock-summary
Price to Book

5.36

Revenue and Profits:
Net Sales:
(Quarterly Results - Jun 2025)
Net Profit:
9 Million
stock-summaryTotal Returns
Total Returns (Price + Dividend) stock-summary
TimePeriod
Price Return
Dividend Return
Total Return
3 Months
-16.18%
0%
-16.18%
6 Months
-25.01%
0%
-25.01%
1 Year
-32.22%
0%
-32.22%
2 Years
26.12%
0%
26.12%
3 Years
-31.58%
0%
-31.58%
4 Years
-66.81%
0%
-66.81%
5 Years
-60.95%
0%
-60.95%

Trupanion, Inc. for the last several years.

Risk Adjusted Returns v/s stock-summary
stock-summaryKey Factors
Quality key factors stock-summary
Factor
Value
Sales Growth (5y)
25.67%
EBIT Growth (5y)
82.26%
EBIT to Interest (avg)
0.52
Debt to EBITDA (avg)
Negative Net Debt
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
1.72%
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
100.00%
ROCE (avg)
3.73%
ROE (avg)
0.05%
Valuation key factors
Factor
Value
P/E Ratio
2162
Industry P/E
Price to Book Value
6.48
EV to EBIT
-1969.29
EV to EBITDA
119.55
EV to Capital Employed
13.99
EV to Sales
1.49
PEG Ratio
20.91
Dividend Yield
NA
ROCE (Latest)
ROE (Latest)
0.27%
Technicals key factors
Indicator
Weekly
Monthly
MACD
Bearish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
No Trend
Mildly Bearish
OBV
No Trend
Mildly Bearish
stock-summary Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
stock-summaryShareholding
Shareholding Snapshot : Mar 2025stock-summary
Shareholding Compare (%holding) stock-summary
Majority shareholders

Domestic Funds

Domestic Funds

Held in 55 Schemes (38.48%)

Foreign Institutions

Held by 120 Foreign Institutions (21.97%)

Strategic Entities with highest holding

Highest Public shareholder

stock-summaryFinancial
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    "btn_text": "All Quarterly Results",
    "header": "Quarterly Results Snapshot (Consolidated) - Jun'25 - YoY",
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        "prefix": "Consolidated Net Profit ",
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      "header": [
        "Jun'25",
        "Jun'24",
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          "chgp": "",
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          "chgp": "",
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          "chgp_class": "neutral"
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          "field": "Consolidate Net Profit",
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          "val2": "-5.90",
          "chgp": "259.32%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
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Quarterly Results Snapshot (Consolidated) - Jun'25 - YoYstock-summary
Jun'25
Jun'24
Change(%)
Net Sales
0.00
0.00
Operating Profit (PBDIT) excl Other Income
4.00
4.40
-9.09%
Interest
3.70
3.70
Exceptional Items
0.00
0.00
Consolidate Net Profit
9.40
-5.90
259.32%
Operating Profit Margin (Excl OI)
6.50%
-17.20%
2.37%
USD in Million.
Net Sales

YoY Growth in quarter ended Jun 2025 is 0.00% vs 0.00% in Jun 2024

Direction Arrows
Consolidated Net Profit

YoY Growth in quarter ended Jun 2025 is 259.32% vs 56.93% in Jun 2024

Annual Results Snapshot (Consolidated) - Dec'24stock-summary
Dec'24
Dec'23
Change(%)
Net Sales
0.00
0.00
Operating Profit (PBDIT) excl Other Income
16.50
12.50
32.00%
Interest
14.50
12.10
19.83%
Exceptional Items
-5.30
0.00
Consolidate Net Profit
-9.60
-44.70
78.52%
Operating Profit Margin (Excl OI)
-3.10%
-36.50%
3.34%
USD in Million.
Net Sales

YoY Growth in year ended Dec 2024 is 0.00% vs 0.00% in Dec 2023

Direction Arrows
Consolidated Net Profit

YoY Growth in year ended Dec 2024 is 78.52% vs 0.00% in Dec 2023

stock-summaryCompany CV
About Trupanion, Inc. stock-summary
stock-summary
Trupanion, Inc.
Insurance
Trupanion, Inc. provides medical insurance plans for cats and dogs throughout the United States, Canada and Puerto Rico. The Company operates in two business segments: subscription business and other business. The subscription business segment includes monthly subscriptions for its medical plan, which are marketed to consumers. The other business segment includes other operations that are not directly marketed to consumers. The Company offers a software solution, Trupanion Express, which is designed to facilitate the direct payment of invoices to veterinary practices. Trupanion Express integrates with veterinarians' practice management software, which allows the Company to access data. The Company's subsidiaries include American Pet Insurance Company, Trupanion Managers USA, Inc., Trupanion Brokers Ontario, Inc. and Wyndham Insurance Company (SAC), Ltd.
Company Coordinates stock-summary
Company Details
6100 4th Ave S Ste 200 , SEATTLE WA : 98108-3234
stock-summary
Tel: 1 888 73874781 206 6071929
stock-summary
Registrar Details