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Trupanion reported Q3 2026 revenue of $405.6 million, adjusted operating income of $47 million and all-time-high free cash flow of $28.5 million. Full-year 2026 guidance calls for $1.59 billion to $1.597 billion in revenue and $179 million to $182 million in adjusted operating income.
Trupanion registered up to 3,636,364 common shares for Aflac’s resale from time to time, with all proceeds going to Aflac. The shares represented 8.4% of Trupanion’s outstanding common stock as of October 29, 2026.
For the nine months ended September 30, 2026, Trupanion reported total revenue of 1,182,576 (in thousands), up 11%, and subscription pets enrolled of 1,145,160, up 6%. Its Pets Best underwriting relationship will end after the third quarter of 2028.
Trupanion reported third-quarter revenue of $405.6 million, up 11%, net income of $9.3 million and free cash flow of $28.5 million for the quarter ended September 30, 2026; it also repurchased $25.0 million of stock.
Useful current figures from the complete screener profile.
* Q4 derived as the full year minus Q1 to Q3.
TL;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.
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Illustrative technical + ownership context — a signal mix, not investment advice.
| Metric | Latest | Period | YoY |
|---|---|---|---|
| Adjusted EBITDA non-GAAP | 37.1M | First Six Months 2026 | — |
| Average monthly retention | 98.37% | Three Months Ended June 30, 2026 filing | — |
| Average pet acquisition cost (PAC) | $307 | Six Months Ended June 30, 2026 | — |
| Fixed expenses (non-GAAP) non-GAAP | 45.35M | Six Months Ended June 30, 2026 | — |
| Free cash flow | 32.9M | First Six Months 2026 | — |
| Monthly average revenue per pet | $86.62 | Six Months Ended June 30, 2026 | — |
| Net acquisition cost (non-GAAP) non-GAAP | $19.18M | Three Months Ended June 30, 2026 filing | — |
GAAP → non-GAAP reconciliationGAAP New pet acquisition expense 22.81M
-1.11M Net of sign-up fee revenue
-1.23M Stock-based compensation expense
-15K Other business pet acquisition expense
-1.27M Pet acquisition expense for commission-based policies
= Net acquisition cost 19.18M
|
|||
| Operating cash flow | 35.6M | First Six Months 2026 | — |
| Other business adjusted operating income (non-GAAP) non-GAAP | 3.71M | Six Months Ended June 30, 2026 | — |
| Subscription acquisition cost (non-GAAP) non-GAAP | 42.72M | Six Months Ended June 30, 2026 | — |
| Subscription adjusted operating income (non-GAAP) non-GAAP | 79.78M | Six Months Ended June 30, 2026 | — |
| Subscription cost of paying veterinary invoices (non-GAAP) non-GAAP | 385.17M | Six Months Ended June 30, 2026 | — |
| Subscription variable expenses (non-GAAP) non-GAAP | 49.32M | Six Months Ended June 30, 2026 | — |
| Total adjusted operating income (non-GAAP) non-GAAP | 83.49M | Six Months Ended June 30, 2026 | — |
| Total pets enrolled (at period end) | 1,633,131 | Six Months Ended June 30, 2026 | — |
| Total subscription pets enrolled (at period end) | 1,124,548 | Six Months Ended June 30, 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
| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
TRUP
this stock
Trupanion, Inc.
|
$1.49B | -7.7% | +11.9% | 56.5 | 9.1% |
|
CB
Chubb Ltd
|
$143.56B | +20.4% | +6.5% | 13.2 | 0.8% |
|
PGR
Progressive Corp
|
$136.60B | +3.5% | +16.3% | 11.9 | 1.3% |
|
TKOMY
Tokio Marine Holdings, Inc.
|
$105.49B | — | — | — | 0.0% |
|
TRV
Travelers Companies, Inc.
|
$82.64B | +39.0% | +5.2% | 10.6 | 2.2% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
Trupanion reported third-quarter revenue of $405.6 million, up 11%, net income of $9.3 million and free cash flow of $28.5 million for the quarter ended September 30, 2026; it also repurchased $25.0 million of stock.
View| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| TRUP | -6.2% | +22.6% | +57.7% | +14.4% | -7.7% |
| SPY | +2.6% | -1.2% | +0.5% | -0.2% | +10.6% |
| vs SPY | -8.8% | +23.8% | +57.2% | +14.6% | -18.4% |
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.
