YOLFTbeta
Trupanion Inc

Trupanion Inc

TRUP · NASDAQ · Financial Services / Insurance - Property & Casualty

34.48USD+0.18 (+0.52%)

Price History

Full chart

Market Stats

Previous Close34.30
Open34.30
Day Range34.12 – 34.97
52-Week Range21.16 – 46.98
Volume239.75K
Market Cap1.01B
P/E (TTM)43.70
Forward P/E1428.57
EPS0.53
Dividend Yield0.00%
Beta1.45
50-Day Avg27.03
200-Day Avg27.86

About

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.

Company Details

  • SectorFinancial Services
  • IndustryInsurance - Property & Casualty
  • CEOMs. Margaret Rosemary Maria Tooth
  • Employees1.12K
  • Headquarters6100 4th Avenue South, Seattle, WA, United States, 98108, USA
  • Websitehttps://www.trupanion.com

Leadership

  • Mr. Darryl Graham Andrew RawlingsFounder & Chair of the Board · b. 1969
  • Ms. Margaret Rosemary Maria ToothPresident, CEO & Director · b. 1979
  • Mr. Fawwad QureshiChief Financial Officer · b. 1974
  • Mr. John GallagherChief Operating Officer · b. 1987
  • Dr. Steve Weinrauch BVMS, MRCVSChief Veterinary & Product Officer · b. 1975
  • Ms. Jamie C. AdamsChief Information Officer
  • Ms. Brenna McGibneyChief Administrative Officer · b. 1969
  • Gil MelchiorDirector of Investor Relations
  • Mr. Asher Benjamin Bearman J.D.Chief Legal Officer · b. 1978
  • Ms. Laura BainbridgeSenior Vice President of Corporate Communications

Financials

Income Statement

Currency: USD2011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue37.05M55.53M83.83M115.91M146.96M188.23M242.67M303.96M383.94M502.03M698.99M905.18M1.11B1.29B1.44B
Growth (%)-+49.90%+50.96%+38.27%+26.79%+28.08%+28.92%+25.26%+26.31%+30.76%+39.23%+29.50%+22.47%+15.97%+11.95%
Cost of Revenue29.00M44.32M68.19M96.04M121.73M154.94M199.62M252.59M319.01M420.13M594.64M782.99M977.59M1.11B1.03B
Gross Profit8.04M11.21M15.64M19.87M25.23M33.29M43.05M51.37M64.92M81.90M104.35M122.19M131.02M178.80M410.33M
Gross Margin21.71%20.19%18.66%17.15%17.17%17.68%17.74%16.90%16.91%16.31%14.93%13.50%11.82%13.91%28.51%
Operating Expense10.99M16.75M22.63M35.82M42.00M39.99M45.69M52.41M66.84M86.83M139.54M165.19M171.68M188.31M388.34M
Operating Income-2.95M-5.54M-6.99M-15.95M-16.77M-6.70M-2.64M-1.04M-1.92M-4.93M-35.20M-43.00M-40.66M-9.51M21.99M
Operating Margin-7.97%-9.97%-8.33%-13.76%-11.41%-3.56%-1.09%-0.34%-0.50%-0.98%-5.04%-4.75%-3.67%-0.74%1.53%
EBITDA-2.94M-5.44M-6.77M-12.78M-14.22M-2.79M2.83M4.78M5.34M2.73M-23.25M-29.01M-20.48M21.33M51.59M
EBITDA Margin-7.93%-9.80%-8.07%-11.03%-9.68%-1.48%1.17%1.57%1.39%0.54%-3.33%-3.20%-1.85%1.66%3.58%
Net Income-3.92M-6.41M-8.18M-21.18M-17.20M-6.90M-1.50M-927.00K-1.81M-5.84M-35.53M-44.67M-44.69M-9.63M19.43M
Net Income Margin-10.58%-11.54%-9.75%-18.27%-11.71%-3.66%-0.62%-0.30%-0.47%-1.16%-5.08%-4.94%-4.03%-0.75%1.35%
R&D1.50M3.41M4.89M9.90M11.21M9.53M9.77M5.80M7.03M9.95M16.87M25.13M21.40M31.25M37.85M
R&D as % of Total Revenue4.05%6.13%5.83%8.54%7.63%5.07%4.03%1.91%1.83%1.98%2.41%2.78%1.93%2.43%2.63%
Interest Expense690.00K535.00K609.00K6.73M325.00K218.00K533.00K1.20M1.35M1.38M10.00K4.27M12.08M14.50M13.76M
Interest Expense % of Total Revenue1.86%0.96%0.73%5.80%0.22%0.12%0.22%0.39%0.35%0.28%0.00%0.47%1.09%1.13%0.96%

Balance Sheet

Currency: USD2010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets--27.67M51.65M98.31M70.92M82.34M105.86M207.51M257.20M498.25M562.58M671.63M782.95M806.85M915.04M
Total Liabilities--54.74M84.65M39.03M25.56M37.63M57.42M78.34M120.44M158.31M230.38M366.33M479.23M483.58M531.11M
Total Equity---27.07M-33.00M59.27M45.36M44.72M48.43M129.17M136.76M339.94M332.20M305.30M303.72M323.27M383.94M
Cash--4.23M14.94M53.10M17.96M23.64M25.71M26.55M29.17M139.88M87.40M65.61M147.50M160.29M138.02M
Total Debt--9.90M26.10M14.90M-4.77M9.32M12.86M26.09M--69.46M128.93M128.89M111.78M
Net Debt--5.67M11.16M-38.20M-17.96M-18.87M-16.38M-13.69M-3.08M-139.88M-87.40M3.85M-18.57M-31.41M-26.24M

Cash Flow

Currency: USD2011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow-112.00K-1.54M-1.02M-10.80M-10.43M5.01M9.67M12.68M16.16M21.54M7.46M-8.00M18.64M48.29M89.49M
Investing Cash Flow-1.67M-4.54M-6.00M-11.93M-9.92M-6.51M-13.06M-81.45M-28.01M-76.75M-51.91M-67.52M7.64M-13.46M-95.89M
Financing Cash Flow8.33M2.27M17.55M60.86M-14.21M7.67M5.08M71.23M14.04M170.85M-1.13M60.74M59.13M-3.96M-22.86M
Capital Expenditure620.00K2.06M1.47M5.63M4.89M1.94M3.13M59.90M5.37M7.45M12.36M17.09M18.28M9.72M14.13M
Free Cash Flow-732.00K-3.60M-2.50M-16.43M-15.32M3.06M6.54M-47.22M10.78M14.09M-4.90M-25.09M358.00K38.57M75.36M
Dividends Paid---000017.03M16.15M12.23M-6.94M14.84M--
FCF to OCF653.57%233.18%243.99%152.15%146.94%61.23%67.61%-372.36%66.75%65.41%-65.66%313.60%1.92%79.88%84.21%
Dividend Paid to FCF---0.00%0.00%0.00%0.00%-36.07%149.75%86.75%--27.67%4144.41%--

Earnings

Report DateAug 28, 2014Oct 31, 2014Feb 12, 2015May 5, 2015Aug 4, 2015Nov 3, 2015Feb 11, 2016May 5, 2016Aug 2, 2016Nov 1, 2016Feb 14, 2017May 2, 2017Aug 1, 2017Nov 2, 2017Feb 13, 2018May 1, 2018Aug 2, 2018Nov 8, 2018Feb 13, 2019May 2, 2019Jul 30, 2019Nov 5, 2019Feb 13, 2020Apr 30, 2020Aug 5, 2020Oct 30, 2020Feb 9, 2021Apr 30, 2021Aug 5, 2021Nov 3, 2021Feb 16, 2022Apr 28, 2022Aug 3, 2022Nov 3, 2022Feb 15, 2023May 4, 2023Aug 3, 2023Nov 2, 2023Feb 15, 2024May 2, 2024Aug 8, 2024Oct 30, 2024Feb 19, 2025Apr 30, 2025Aug 7, 2025Nov 6, 2025Feb 12, 2026Apr 30, 2026Aug 5, 2026Nov 5, 2026
EPS Estimate-0.28-0.14-0.16-0.18-0.17-0.13-0.12-0.08-0.06-0.04-0.02-0.04-0.02-0.010.01-0.04-0.030.020.030.010.010.010.030.020.020.010.03-0.01-0.01-0.01-0.95-0.01-0.03-0.07-0.10-0.080.41-0.110.090.070.090.680.84-0.20-0.030.890.160.880.110.16
EPS Actual-2.25-0.31-0.13-0.15-0.14-0.14-0.08-0.07-0.01-0.03-0.03-0.020.040.04-0.02-0.020.030.070.03-0.04-0.050.070.050.010.10-0.07-0.01-0.10-0.07-0.02-0.17-0.04-0.12-0.11-0.01-0.21-0.180.060.110.010.060.220.340.190.220.770.130.780.16-
Surprise-703.57%-121.43%18.75%16.67%17.65%-7.69%33.33%12.50%83.33%25.00%-50.00%50.00%300.00%500.00%-300.00%50.00%200.00%250.00%0.00%-500.00%-600.00%600.00%66.67%-50.00%400.00%-800.00%-133.33%-900.00%-600.00%-100.00%82.11%-300.00%-300.00%-57.14%90.00%-162.50%-143.90%154.55%22.22%-85.71%-33.33%-67.65%-59.52%195.00%833.33%-13.48%-18.75%-11.36%45.45%-
Timing-Pre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours

Key Statistics & Ratios

Market Cap1.01B
Enterprise Value710.91M
Trailing P/E43.70
Forward P/E1428.57
PEG Ratio0.00
Price / Sales0.67
Price / Book2.45
EPS0.53
Book Value9.34
Revenue (TTM)1.52B
Gross Profit (TTM)343.44M
EBITDA40.74M
Profit Margin1.53%
Operating Margin1.62%
Return on Equity6.07%
Return on Assets1.78%
Shares Outstanding43.62M
Shares Float33.50M
Beta1.45
Dividend Yield0.00%
Dividend Rate0.00
Payout Ratio0.00%

Analyst Ratings

Buy
Based on 6 analystsTarget 34.25
  • Strong Buy
    3
  • Buy
    1
  • Hold
    2

Ownership Breakdown

Institutions
78.94%
Insiders
15.71%
Retail / Other
5.35%

Top Institutional Holders

  • BlackRock Inc
    5.44M12.41%
  • Capital World Investors
    3.84M8.75%
  • Aflac Inc
    3.64M8.29%
  • Vanguard Portfolio Management, LLC
    1.76M4.02%
  • Polar Capital Holdings PLC
    1.63M3.70%
  • Vanguard Capital Management, LLC
    1.45M3.31%
  • FMR Inc
    1.35M3.09%
  • State Street Corp
    1.32M3.00%
  • Geode Capital Management, LLC
    878.07K2.00%
  • GREENLEA LANE CAPITAL MANAGEMENT, LLC
    776.49K1.77%
  • Morgan Stanley - Brokerage Accounts
    697.87K1.59%
  • Marshall Wace Asset Management Ltd
    694.15K1.58%
  • Bank of America Corp
    590.74K1.35%

Top Fund Holders

  • American Funds SMALLCAP World A
    2.09M4.76%
  • iShares Core S&P Small-Cap ETF
    2.08M4.74%
  • Polar Capital Global Ins A Inc
    1.75M3.99%
  • American Funds Growth Fd of Amer A
    1.64M3.75%
  • Vanguard MStar Total Stk Mkt Idx Invest
    1.04M2.37%
  • iShares Russell 2000 ETF
    900.61K2.05%
  • Vanguard Small Cap Index
    752.39K1.71%