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TRUP · Trupanion, Inc.

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$30.60 -0.40 (-1.29%) At close · Aug 14
Market Cap
$1.33B
Shares
43.87M

Price & Indicators

20d MA 50d MA 200d MA Earnings Filing Insider Congress Investor day
Close$30.60 Open$31.07 Day$30.43–31.29 52W close$21.46–49.49 Avg vol 30d480K Short int3.7M · 8.5% float · 11.7d Short vol51% Last earningsAug 5, 2026 DataJan 2020–Aug 2026 Filing10-Q · Aug 5

Up next

Next earnings call
Nov 7, 2026 Est · unconfirmed · in 12 wks
FQ3-26 quarter ends
~Sep 30, 2026 Est
filed Aug 5, 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 Buy Momentum Strong Sentiment Bearish Fundamentals Excellent Quant / Vol Very High
      Market backdrop VIX 14.3 · calm Equity put/call 0.52
      Technical
      price trend
      Buy
      50 / 200-day cross No cross
      Price vs 200-day avg +4%
      above
      Price vs 50-day avg +20%
      above
      RSI (14) 67
      neutral
      MACD trend Positive
      52-week position 33%
      mid-range
      Volume (OBV) Confirms
      volume backs price
      Momentum
      relative strength
      Strong
      1-month return +15%
      trailing
      6-month return +13%
      trailing
      YTD return −18%
      this year
      Relative strength −1%
      vs S&P · 6-mo
      Sentiment
      smart money
      Bearish
      Trend (MA cross) No cross
      50d $25 › 200d $29 — 200d above 50d
      Institutional flow Distributing
      -3% holders QoQ · +34 funds added
      Insider flow Distributing
      Net -$372.7K over 90 days · 100% sells
      Short interest Rising
      8.47% of float · ▲ +0.3% MoM · 11.7 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Multi-yr low
      198 holders — near 3-yr low, contrarian setup
      Squeeze score 78
      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 57.2
      rich
      Buyback $100.0M
      authorized
      Balance sheet $26.2M
      net cash
      Quant / Vol
      risk profile
      Very High
      Volatility 45%
      annualized · 1-yr
      Max drawdown −57%
      past year
      ATR 4.6%
      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 2 of last 2
      Latest guidance · from the Earnings Call filed Jun 30, 2026
      full year of 2026
      Total revenue $1.58B – $1.6B
      Subscription revenue $1.12B – $1.13B
      Total adjusted operating income $176M – $184M
      third quarter of 2026
      Total revenue $399M – $405M
      Total adjusted operating income $44M – $47M
      Subscription revenue $284M – $287M
      Prior guidance period ended · from the Earnings Call filed Mar 31, 2026
      Total revenue · second quarter of 2026 $386M – $392M
      Subscription revenue · second quarter of 2026 $274M – $277M
      Total adjusted operating income · second quarter of 2026 $40M – $43M
      Guided vs delivered · last 2 settled
      Total revenue full year 2024
      guided $1.24B – $1.28B
      $1.29B Beat +2.0%
      Total revenues second quarter of 2024
      guided $306M – $311M
      $314.8M Beat +2.0%

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

      Technicals

      trend & momentum for long-term holders Buy
      0 · 4 · 3
      50 / 200-day cross
      No cross Neutral
      Price vs 200-day avg
      +4% Bullish
      Price vs 50-day avg
      +20% Bullish
      RSI (14)
      67 Neutral
      MACD trend
      Positive Bullish
      52-week position
      33% Neutral
      Volume (OBV)
      Confirms Neutral
      Market signals — smart money & positioning
      Bearish · 3 of 6
      Trend (MA cross) No cross
      50d $25 › 200d $29 — 200d above 50d
      Institutional flow Distributing
      -3% holders QoQ · +34 funds added
      Insider flow Distributing
      Net -$372.7K over 90 days · 100% sells
      Short interest Rising
      8.47% of float · ▲ +0.3% MoM · 11.7 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Multi-yr low
      198 holders — near 3-yr low, contrarian setup
      Price context
      position in its 52-week range
      Range low $21 Now $31 · 33% Range high $49
      vs 200-day avg +4% vs 50-day avg +20%

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

      Key metrics

      the company's own KPIs, from written earnings releases and filings
      Metric Latest Period YoY
      Average monthly retention 98.37% Three Months Ended June 30, 2026
      Average pet acquisition cost (PAC) $307 Three Months Ended June 30, 2026
      Monthly average revenue per pet $86.62 Three Months Ended June 30, 2026
      Total enrolled pets (including pets from our other business segment) 1,633,131 June 30, 2026
      Subscription enrolled pets 1,105,783 Q1 2026

      Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period

      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
      $1.33B -18.1% +11.9% 57.2 8.5%
      CB
      Chubb Ltd
      $133.28B +10.1% +6.5% 12.2 1.1%
      PGR
      Progressive Corp/Oh/
      $120.56B -8.0% +16.3% 10.4 1.4%
      TKOMY
      Tokio Marine Holdings, Inc.
      $93.22B +28.6% 0.0%
      TRV
      Travelers Companies, Inc.
      $77.21B +27.7% +5.2% 9.9 3.6%

      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
      198
      % held
      77.1%
      Net QoQ
      +320.6K sh
      Top holder
      BlackRock, Inc.
      Held Float
      View
      Held by Funds
      Fund positions
      316
      View
      Short & Settlement
      Short Interest Rising
      Shares short
      3.7M
      Days to cover
      11.7d
      Change
      +10.2K sh
      View
      Short Volume
      Short vol %
      51%
      As of
      Aug 14, 2026
      Short Total
      View
      Fails to Deliver
      FTD shares
      51
      Value
      $1.4K
      As of
      Jul 14, 2026
      View
      Off-Exchange
      Off-exchange %
      30.1%
      Week of
      Jul 6, 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)
      $19.4M
      EPS diluted
      $0.45
      View
      Buybacks
      Authorized
      $100.0M
      View
      Filings
      SEC Filings
      Latest
      8-K
      Filed
      Aug 5, 2026
      This year
      9
      View
      Proposed Sales
      Value
      $28.4K
      Shares
      978
      Filed
      Aug 11, 2026
      View
      Exempt Offerings
      Offering
      $200.0M
      Filed
      Nov 2, 2020
      View
      Earnings & Events
      Earnings Calls
      Last call
      Aug 5, 2026
      View
      Investor Relations
      Latest news
      Trupanion Partners with Home To H…
      Published
      Aug 13, 2026
      View

      Performance

      5D 20D 120D MTD YTD
      TRUP +13.4% +14.6% +12.7% +25.0% -18.1%
      SPY +0.4% +4.5% +13.8% +3.9% +13.9%
      vs SPY +13.0% +10.2% -1.1% +21.0% -32.0%

      Capital returns

      Buyback program · as of Jun 1, 2026
      Authorized
      $100.00M
      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) 195 filings 193 filers Visit website Investor relations