TRUPANION, INC. · Hospital & Medical Service Plans

TRUP

Low riskNext report: Around Nov 5 (est.)

View price ↗

The short version

A profitable company with growing sales.

Going well

Sales up 11% in the latest quarter vs a year ago
Profitable
Sales up 12% last year

Money moves

Insiders sold $36K in the last 30 days, all through pre-planned sales
Institutions added 1% to their holdings in the quarter ending June 2026 (100 bought, 93 sold)

Facts from SEC filings, not a recommendation.

What the price means

Price as of Oct 26

$29.81+1.7% that day

Company value: $1.3B; Share price times all shares
Price vs profit (P/E): 56.2x; You pay about $56 for each $1 of yearly profit
Price vs sales: 0.86x; Company value is 0.86 times a year of sales
Cash vs value: 11%; Cash as a share of company value
Debt vs value: 8%; Debt as a share of company value

From TRUP's last IEX trade and its SEC filings (profits and sales over the last four quarters). A starting point for research, not a verdict.

The business over time

Last 12 quarters, from SEC filings

Sales, Jun '26

$392.9M+11% vs a year earlier

Sep '23Tap a barJun '26

Last 12 months: $1.5B, up 12% from the 12 months before. Over 5 years, sales grew about 23% a year.

What the price assumes

Your guesses, our math

Move the sliders to your own view of TRUP. Starting points are the company's recent numbers.

Sales growth+12% a yearRecently: +12% a yearProfit margin2%Last 12 months: 1.5%P/E at the end40xToday: 56.2x. Many steady companies trade at 12x to 25xShare count change+2% a yearBelow zero means buybacks; above zero means new shares (dilution)

Sales in 5 years$2.7B

Profit in 5 years$54M

Price these guesses point to$44.26+48% vs $29.81 todayAbout +8.2% a year, before dividends

What today's price needs: with a 2% margin and a 40x P/E, sales would have to grow about 3.5% a year for 5 years just to match today's price.

Simple math on your guesses, not a forecast or a price target. Real results depend on many things these sliders leave out.

Price

Price chart by TradingView.

Business quality

The checklist Warren Buffett-style investors use. Annual numbers for 2025.

2/6Weak

MissReturn on equity 15%+Earns a lot on the money owners have in the business.5.5%
PassDebt under half of equityNot relying on borrowed money.0.27x equity
MissNet margin 10%+Keeps at least 10 cents of profit from each dollar of sales.1.4%
MissProfitable every yearSteady profits, not one good year.1 of 10 years
PassFree cash flow positiveBrings in more cash than it spends to run and grow.$75.4M
MissShare count not growingNot diluting owners. Falling means buybacks.+6.8% in 3 years

Revenue: $1.4B; +11.9% vs prior year
5-year growth: +23.4%/yr; revenue, per year
Total debt: $101.8M; 0.27x equity
Current ratio: 1.69x; short-term assets / bills due

From annual reports filed with the SEC. Not in this company's SEC data, so not scored: gross margin 40%+. A checklist is a starting point for research, not a verdict.

Latest quarter

Quarter ended Jun 30, 2026

Reported Aug 5

Revenue: $392.9M; +11.1% YoY
EPS: $0.16; vs $0.22
Op. margin: 1.6%; +0.9 pts
Gross margin: 16.6%; +1.1 pts
Free cash flow: $19.2M
Share count: +1.1%; vs a year ago

Insider rating

Last 90 days

49Mixed

Pre-planned sales of $36K (weaker signal)

50 is neutral. Buying by more insiders, top executives and bigger stakes raises it. Selling lowers it; pre-planned sales count less.

Weekly insider trend

13 weeks agoBoughtSoldThis week

Filing buzz

Last 7 days vs normal

0/ 100

This week: 0
Normal week: 2.0
vs normal: 0.0x

SEC filings of any kind. 50 means a normal week.

Institutional ownership

Steady+1.0%

Institutions added 1.0% to their holdings. 100 bought, 93 sold.

Shares held by institutions33.8M

Sep '24Jun '26

Safety check

From SEC filings

Share count growthYearly rate, last 3 years

+2.0%

Cash runwayAt last year's cash burn

Cash flow positive

Debt to equityLatest balance sheet: debt compared with what owners have

0.3x · $106.9M debt

Shares outstandingLatest reported

44M

Earnings reports

Last 12

Next reportAround Nov 5 (est.)Estimated from the same quarter last year

Results filedAug 5
Results filedApr 30
Results filedFeb 12
Results filedNov 6, 2025
Results filedAug 7, 2025

Flags and big holders

Offerings 6 months, flags 12 months, holders 90 days

No offerings, red flags or new big holders. Clean record.

Insider trades

Open-market buys and sells, last 90 days

Bought$00 insiders

Sold$36K2 insiders, 2 pre-planned

Insider	Trade	Shares	Avg price	Value	Owns after	Date
Margaret ToothCEO	Sell	1K	$25.84	$26K	185K	Oct 9Filing ↗
-0.5% of their holdings Pre-planned sale (10b5-1) Also Director Filed 4 days after
John R GallagherChief Operating Officer	Sell	431	$22.92	$10K	33K	Sep 28Filing ↗
-1.3% of their holdings Pre-planned sale (10b5-1) Filed 2 days after