TRUP · Trupanion, Inc.
Price & Indicators
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Metrics snapshot
Useful current figures from the complete screener profile.
AI Brief
Q2 FY26 earnings call · Aug 5, 2026TL;DR. Trupanion delivered 24% subscription adjusted operating income growth and raised/narrowed full-year AOI guidance to $176–184M while announcing a $100M share repurchase program backed by a $44M insurance entity dividend. Net pet adds accelerated 39% on improved enrollment conversion and higher LTV.
- + Subscription adjusted operating income grew 24% YoY to $41.4M with margin expanding to 15%
- + Net subscription pet adds accelerated 39% YoY with gross pet ads up 9% and LTV up 25%
- + Full-year 2026 adjusted operating income guidance raised to a range of $176M–$184M (~19% growth at midpoint)
- + Board authorized $100M share repurchase program following $44M insurance entity dividend approval
- + Free cash flow grew to $19.2M in Q2 and operating cash flow reached $21M
- − Net income declined to $6.8M ($0.16/share) from $9.4M ($0.22/share), partly as prior year included a $7.8M one-time gain
- − Total enrolled pets declined 2% YoY to 1,633,131 due to other business segment contraction
- − Pet acquisition cost per pet rose to $299 from $276 YoY
- − Veterinary inflation remains elevated at double-digit levels, pressuring pricing and claims costs
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Equibles Rating
blended score · not investment adviceBlended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Strong SellIllustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
Earlier KPI extraction records exist, but do not meet the current evidence-completeness requirements. No current verified series is available. Earlier figures remain withheld until revalidated; this is not evidence that the company reports no KPIs.
Versus peers
Insurance - Property & Casualty — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
TRUP
this stock
Trupanion, Inc.
|
$1.09B | -33.4% | +11.9% | 47.0 | 9.1% |
|
CB
Chubb Ltd
|
$131.19B | +8.4% | +6.5% | 12.0 | 0.8% |
|
PGR
Progressive Corp/Oh/
|
$126.52B | -4.4% | +16.3% | 10.9 | 1.0% |
|
TKOMY
Tokio Marine Holdings, Inc.
|
$99.34B | +41.4% | — | — | 0.0% |
|
TRV
Travelers Companies, Inc.
|
$78.26B | +29.4% | +5.2% | 10.1 | 2.7% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionPerformance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| TRUP | -13.6% | -19.7% | -5.0% | -14.6% | -33.4% |
| SPY | -1.2% | -1.8% | +17.8% | -0.4% | +12.1% |
| vs SPY | -12.4% | -18.0% | -22.9% | -14.3% | -45.5% |
Capital returns
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.