TRUP · Trupanion, Inc.
$30.60
-0.40 (-1.29%)
At close · Aug 14
Market Cap
$1.33B
Shares
43.87M
Income-statement, balance-sheet and cash-flow figures extracted from the company's SEC filings — 10-K annual and 10-Q quarterly reports — and standardised for comparison across periods.
Revenue
$1.44B
+11.9%
FY2025
Net Income
$19.43M
+301.7%
FY2025
Gross Margin
16.91%
0pp
FY2019
Operating Margin
0.96%
+1.7pp
FY2025
Diluted EPS
$0.45
+295.7%
FY2025
Operating Cash Flow
$89.49M
+85.3%
FY2025
Chart any reported metric, KPI or segment over time — the full statement history lives here
Search above to add metrics — fundamentals, product and segment revenue, company KPIs, valuation.
| Line Item | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 | FY2015 | FY2014 | FY2013 | FY2012 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| $1.52B | $1.44B | $1.29BG | $1.11B | $905.18M | $698.99M | $502.03M | $383.94M | $303.96M | $242.67M | $188.23M | $146.96M | $115.91M | $83.83M | $55.53M | |
| $1.27B | $1.21B | $1.11B | $977.59M | $782.99M | $594.65M | $420.13M | $319.01M | $252.59M | — | — | — | — | — | — | |
| $76.04M | — | — | — | — | — | — | $64.92M | $51.37M | $43.05M | $33.29M | $25.23M | $19.87M | $15.64M | $11.21M | |
| — | — | — | — | — | — | — | 16.91% | 16.9% | 17.74% | 17.68% | 17.17% | 17.15% | 18.66% | 20.19% | |
| — | — | — | — | — | — | — | — | — | — | — | — | $9.9M | $4.89M | $3.41M | |
| $90.47M | $85.41M | $71.38M | $77.37M | $89.5M | $78.65M | $47.84M | $35.45M | $25M | $19.1M | $15.25M | $15.23M | $11.61M | $9.09M | $7.15M | |
| $75.26M | $76.65M | $63.73M | $60.21M | $39.38M | $31.89M | $21.85M | $18.38M | $17.1M | $16.82M | $15.21M | $15.56M | $14.31M | $8.65M | $6.2M | |
| — | $4.6M | $5.3M | $5.7M | $4.8M | $4.9M | $1.9M | $900K | $200K | $0 | — | — | — | — | — | |
| $15.46M | $15.84M | $16.47M | $12.47M | $10.92M | $11.97M | $7.07M | $5.63M | $4.51M | $4.23M | $3.85M | $2.54M | $1.67M | $900K | $300K | |
| $227.56M | $216.87M | $188.13M | $171.46M | $164.93M | $139.37M | $86.7M | $66.49M | $52.41M | $45.69M | $39.99M | $42M | $35.82M | $22.63M | $16.75M | |
| $24.15M | $13.84M | -$9.51M | -$40.66M | -$43M | -$35.2M | -$4.93M | -$1.92M | -$1.05M | -$2.64M | -$6.7M | -$16.78M | -$15.95M | -$6.99M | -$5.54M | |
| — | 0.96% | -0.74% | -3.67% | -4.75% | -5.04% | -0.98% | -0.5% | -0.34% | -1.09% | -3.56% | -11.41% | -13.76% | -8.33% | -9.97% | |
| $39.61M | $29.67M | $6.95M | -$28.19M | -$32.08M | -$23.23M | $2.14M | $3.71M | $3.47M | $1.59M | -$2.85M | -$14.23M | -$14.27M | -$6.09M | -$5.24M | |
| $10.57M | $13.76M | $14.5M | $12.08M | $4.27M | $10K | $1.38M | $1.35M | $1.2M | $533K | $218K | $325K | $6.73M | $609K | $535K | |
| $12.65M | $21.92M | $14.37M | $7.7M | $3.07M | -$14K | $581K | $1.63M | $1.31M | $1.24M | $58K | $9000 | $1.49M | -$671K | -$252K | |
| $0 | -$305K | -$182K | -$219K | -$253K | -$171K | -$126K | -$352K | $0 | $0 | — | — | — | — | — | |
| $26.22M | $21.99M | -$9.64M | -$45.04M | -$44.2M | -$35.22M | -$5.73M | -$1.64M | -$934K | -$1.93M | -$6.86M | -$17.09M | -$21.18M | -$8.27M | -$6.33M | |
| $3.01M | $2.56M | -$5000 | -$342K | $476K | $310K | $113K | $169K | -$7000 | -$428K | $38K | $114K | -$7000 | -$92K | $84K | |
| — | $19.43M | -$9.63M | -$44.69M | -$44.67M | -$35.53M | — | — | — | — | — | — | -$21.18M | -$8.18M | -$6.41M | |
| — | 1.35% | -0.75% | -4.03% | -4.94% | -5.08% | — | — | — | — | — | — | -18.27% | -9.75% | -11.54% | |
| $23.21M | $19.43M | -$9.63M | -$44.69M | -$44.67M | -$35.53M | -$5.84M | -$1.81M | -$927K | -$1.5M | -$6.9M | -$17.21M | -$21.18M | -$8.18M | -$8.15M | |
| $17.94M | $24.14M | -$12.65M | -$37.99M | -$54.05M | -$35.52M | -$3.02M | -$806K | -$1.59M | -$1.22M | -$6.77M | -$17.72M | -$21M | -$8.2M | -$6.48M | |
| USD/shares | — | $0.45 | -$0.23 | -$1.08 | -$1.10 | -$0.89 | -$0.16 | — | — | — | — | — | — | — | — |
| USD/shares | — | $0.45 | -$0.23 | -$1.08 | -$1.10 | -$0.89 | -$0.16 | — | — | — | — | — | — | — | — |
| shares | — | 42.96M | 42.16M | 41.44M | 40.77M | 40.14M | 35.86M | 34.65M | 31.96M | 29.59M | 28.53M | 27.64M | 12.93M | 1.31M | 834.65K |
| shares | — | 43.56M | 42.16M | 41.44M | 40.77M | 40.14M | 35.86M | 34.65M | 31.96M | 29.59M | 28.53M | 27.64M | 12.93M | 1.31M | 834.65K |
Italic rows are computed from reported lines — open a row's info icon for its formula. Values reflect the latest filing (restatements included); per-share figures on today's split basis. Click a value for its source filing.
TTM: trailing twelve months through the latest reported quarter — flows sum the last four quarters, balances take the latest. 3Y/5Y/10Y columns are trailing CAGR from the newest fiscal year; blank where an endpoint is missing or negative. (G): the company's own guidance — a (G) column is a guided period not yet reported; a G marker shows how the reported figure landed against the guided range. Non-GAAP-basis guidance (*) is shown as stated and never judged against GAAP actuals.
Capital Returned to Shareholders
Cash spent on share repurchases and dividends per fiscal year, as reported on the cash-flow statement. Across FY2021–FY2024: $5.76M in buybacks.
Price & Valuation
Multiples computed on the strict TTM/EV methodology — today's snapshot against peers, and each ratio recomputed as of past filing dates.
Valuation
EV/Revenue
0.68×
Peer median 1.23×
EV/EBIT
43.01×
Peer median 6.81×
P/E (TTM)
57.21×
Peer median 11.52×
Peer medians compare against the 33 similar-size Insurance - Property & Casualty companies (of 45 listed).
Valuation over time computed as of each quarter's filing date
Revenue Breakdown
Annual revenue as the company disaggregates it in its own XBRL filings. Years a component wasn't reported show a dash.
Share mode is each component's slice of the reported components that year — issuers rarely tag every revenue dollar, so slices need not sum to total revenue.
By Segment (USD)
| Component | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 |
|---|---|---|---|---|---|---|---|---|
| Subscription Business | $989,338,000 | $856,521,000 | $712,906,000 | $596,610,000 | $494,862,000 | $387,732,000 | $321,163,000 | $263,738,000 |
| All Other Segments | $449,967,000 | $429,163,000 | $395,699,000 | $308,569,000 | $204,129,000 | $114,296,000 | $62,773,000 | $40,218,000 |
By Geography (USD)
| Component | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 |
|---|---|---|---|---|---|---|---|---|
| United States | $1,197,807,000 | $1,073,150,000 | $935,312,000 | $764,349,000 | $580,966,000 | $419,162,000 | $316,138,000 | $246,280,000 |
| Canada | — | $212,534,000 | $173,293,000 | $140,830,000 | $118,025,000 | $82,866,000 | $67,798,000 | $57,676,000 |
Segment Operating Income
Annual operating income by business segment, as tagged in the company's own XBRL filings. Segments need not sum to the consolidated figure — corporate costs and eliminations are typically unallocated.
By Segment (USD)
| Component | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 |
|---|---|---|---|---|---|---|---|---|
| Subscription Business | $22,473,000 | -$1,118,000 | -$35,994,000 | -$39,757,000 | -$33,965,000 | -$4,150,000 | -$2,014,000 | -$672,000 |
| All Other Segments | -$8,331,000 | -$8,214,000 | -$4,446,000 | -$2,991,000 | -$1,060,000 | -$651,000 | $446,000 | -$373,000 |
Operating Margin by Segment (%)
| Component | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 |
|---|---|---|---|---|---|---|---|---|
| Subscription Business | 2.3% | -0.1% | -5% | -6.7% | -6.9% | -1.1% | -0.6% | -0.3% |
| All Other Segments | -1.9% | -1.9% | -1.1% | -1% | -0.5% | -0.6% | 0.7% | -0.9% |
Key facts
CIK
1371285
CUSIP
898202106
13F (30d)
195 filings
193 filers
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