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$24.61 -1.25 (-4.82%)
Market Cap
$1.13B
Shares
43.62M

Price & Indicators

20d MA 50d MA 200d MA Earnings Filing Insider Congress Investor day
Close$25.85 Open$25.21 Day$25.21–26.07 52W$21.16–57.00 Avg vol 30d366K Short int3.7M · 8.5% float · 11.5d Short vol45% Last earningsAug 5, 2026 DataJan 2020–Jul 2026 Filing10-Q · Apr 30

Up next

Next earnings call
Aug 5, 2026 Scheduled · in 1 wks
FQ3-26 quarter ends
~Sep 30, 2026 Est
filed Apr 30, 2026

AI Brief

TL;DR.

Bullish
    Bearish

      AI-generated from the earnings call and 8-K · may contain errors · not investment advice

      Ask ALVIS about this →

      Equibles Rating

      blended score · not investment advice
      Overall
      Neutral
      SellHoldBuy
      Technical Sell Momentum Weak Sentiment Neutral Fundamentals Excellent Quant / Vol Very High
      Market backdrop VIX 20.7 · elevated Equity put/call 0.61
      Technical
      price trend
      Sell
      50 / 200-day cross No cross
      Price vs 200-day avg −15%
      below
      Price vs 50-day avg +7%
      above
      RSI (14) 54
      neutral
      MACD trend Negative
      52-week position 13%
      near low
      Volume (OBV) Confirms
      volume backs price
      Momentum
      relative strength
      Weak
      1-month return +4%
      trailing
      6-month return −20%
      trailing
      YTD return −31%
      this year
      Relative strength −26%
      vs S&P · 6-mo
      Sentiment
      smart money
      Neutral
      Trend (MA cross) No cross
      50d $24 › 200d $30 — 200d above 50d
      Institutional flow Accumulating
      39 of 203 funds reported for Jun 30 · net +133.3K sh shares · +8 new
      Insider flow Distributing
      Net -$372.7K over 90 days · 100% sells
      Short interest Falling
      8.50% of float · ▼ -1.5% MoM · 11.5 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Steady
      203 holders — mid 3-yr range
      Squeeze score 81
      high risk · 0–100
      Fundamentals
      Excellent
      Revenue growth +12%
      Y/Y
      Gross margin 5%
      expanding
      EPS growth +296%
      Y/Y
      Free cash flow $75.4M
      Valuation P/E 43.8
      rich
      Buyback $15.0M
      authorized
      Balance sheet $26.2M
      net cash
      Quant / Vol
      risk profile
      Very High
      Volatility 41%
      annualized · 1-yr
      Max drawdown −58%
      past year
      ATR 4.2%
      of price · 14-day

      Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.

      Guidance & track record

      Beat or met 3 of last 3
      Latest guidance · from the Earnings Call filed Mar 31, 2026
      full year 2026
      Total revenue Raised $1.56B – $1.58B
      prior FY $1.44B midpoint +9.0% Y/Y
      Subscription revenue Maintained $1.12B – $1.14B
      prior FY $1.44B midpoint −21.7% Y/Y
      Total adjusted operating income Non-GAAP Maintained $173M – $187M
      second quarter of 2026
      Total revenue Initiated $386M – $392M
      prior qtr $384.05M midpoint +1.3% QoQ
      Subscription revenue Initiated $274M – $277M
      prior qtr $384.05M midpoint −28.3% QoQ
      Total adjusted operating income Non-GAAP Initiated $40M – $43M
      Guided vs delivered · last 3 settled
      Total revenue first quarter 2026
      guided $376M – $382M
      $384.05M Beat +1.3%
      Total revenue full year 2025
      guided $1.42B – $1.43B
      $1.44B Beat +1.0%
      Subscription revenue third quarter 2025
      guided $251M – $254M
      $366.92M Beat +45.3%

      Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.

      Technicals

      trend & momentum for long-term holders Sell
      3 · 3 · 1
      50 / 200-day cross
      No cross Neutral
      Price vs 200-day avg
      −15% Bearish
      Price vs 50-day avg
      +7% Bullish
      RSI (14)
      54 Neutral
      MACD trend
      Negative Bearish
      52-week position
      13% Bearish
      Volume (OBV)
      Confirms Neutral
      Market signals — smart money & positioning
      Bullish · 2 of 6
      Trend (MA cross) No cross
      50d $24 › 200d $30 — 200d above 50d
      Institutional flow Accumulating
      39 of 203 funds reported for Jun 30 · net +133.3K sh shares · +8 new
      Insider flow Distributing
      Net -$372.7K over 90 days · 100% sells
      Short interest Falling
      8.50% of float · ▼ -1.5% MoM · 11.5 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Steady
      203 holders — mid 3-yr range
      Price context
      position in its 52-week range
      52-wk low $21 Now $26 · 13% 52-wk high $57
      vs 200-day avg -15% vs 50-day avg +7%

      Illustrative technical + ownership context — a signal mix, not investment advice.

      Key metrics

      the company's own KPIs, from its earnings releases, calls, and filings
      Metric Latest Period YoY
      Subscription enrolled pets 1,105,783 Q1 2026

      Figures exactly as the company stated them · click a metric with a to chart its history · period links open the stating document · "call" marks figures stated on the earnings call, "filing" figures stated in the 10-K/10-Q · YoY needs the prior-year figure on file

      Versus peers

      Insurance - Property & Casualty — same industry group
      Open screener →
      Company Mkt cap YTD Rev growth Y/Y P/E Short % shares
      TRUP
      Trupanion, Inc.
      this stock
      $1.13B -30.8% +11.9% 43.8 8.5%
      CB
      Chubb Ltd
      $140.37B +16.3% +6.5% 12.8 1.1%
      PGR
      Progressive Corp/Oh/
      $128.55B +2.7% +16.3% 11.2 1.6%
      TKOMY
      Tokio Marine Holdings, Inc.
      $96.89B +37.9% 0.0%
      TRV
      Travelers Companies, Inc.
      $81.14B +34.6% +5.2% 10.5 3.1%

      Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

      At a glance

      key data from every section
      Ownership
      Institutional Holders Accumulating
      Holders
      208
      % held
      73.1%
      Reported
      39 of 203
      Top holder
      BlackRock, Inc.
      Held Float
      View
      Held by Funds
      Fund positions
      216
      View
      Short & Settlement
      Short Interest Falling
      Shares short
      3.7M
      Days to cover
      11.5d
      Change
      -55.5K sh
      View
      Short Volume
      Short vol %
      45%
      As of
      Jul 29, 2026
      Short Total
      View
      Fails to Deliver
      FTD shares
      51
      Value
      $1.4K
      As of
      Jul 14, 2026
      View
      Off-Exchange
      Off-exchange %
      43.0%
      Week of
      May 4, 2026
      Off-exch Lit
      View
      Smart Money
      Insider Trades Net selling
      Net (90d)
      -$372.7K
      Buyers / Sellers
      0 / 4
      Buyers Sellers
      View
      Congressional Trades Sell
      Member
      Bradley S. Schneider
      Amount
      $50.0K–$100.0K
      Traded
      Dec 10, 2021
      View
      Financials
      Financials
      Revenue (FY)
      $1.4B
      Net income (FY)
      $-21.2M
      EPS diluted
      $0.45
      View
      Buybacks
      Authorized
      $15.0M
      View
      Filings
      SEC Filings
      Latest
      8-K
      Filed
      Jun 15, 2026
      This year
      7
      View
      Proposed Sales
      Value
      $10.8K
      Shares
      431
      Filed
      Jul 28, 2026
      View
      Exempt Offerings
      Offering
      $200.0M
      Filed
      Nov 2, 2020
      View
      Earnings & Events
      Earnings Calls Upcoming
      Next call
      Aug 5, 2026
      Last call
      Apr 30, 2026
      View
      Investor Relations
      Latest news
      Trupanion Announces Second Quarte…
      Published
      Jul 16, 2026
      Upcoming events
      1
      View

      Performance

      5D 20D 120D MTD YTD
      TRUP +5.7% +4.4% -20.1% +4.4% -30.8%
      SPY -2.4% -2.3% +6.3% -2.3% +7.0%
      vs SPY +8.1% +6.7% -26.4% +6.7% -37.8%

      Capital returns

      Buyback program · as of Dec 31, 2020
      Authorized
      $15.00M
      Spent (derived)
      Remaining

      Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.

      Key facts CIK 1371285 CUSIP 898202106 13F (30d) 36 filings 36 filers Visit website Investor relations