Trupanion, Inc.
TRUP Nasdaq· Hospital & Medical Service Plans
Last close · Oct 26, 2026
$29.77
KIRA · Stoqly’s AI analyst, in plain words
- Trupanion, Inc. had $1.4B of revenue in fiscal 2025, up 11.9% on the year before. Over five years, revenue changed +23.4% a year on average.
- Its operating margin was 1.0%, up 1.7 pts: of every 100 in sales, about 1 is left after running the business.
- Trupanion, Inc. made $19.4M of net profit in fiscal 2025.
- Free cash flow was $75.4M in fiscal 2025, 5.2% of revenue.
- Trupanion, Inc. has $269M more cash than debt.
Market cap
$1.3B
P/E
56.2x
Revenue
$1.4B
Net income
$19.4M
Free cash flow
$75.4M
Operating margin
1.0%
Trupanion, Inc. in 30 seconds · fiscal 2025
Are sales growing?
+11.9%
Yes. Sales grew 11.9% last year.
Does it make a profit?
1.4%
A little. It keeps 1.4% of every sale as profit.
Does profit turn into cash?
5.2%
Partly. 5.2% of sales ends up as free cash.
Is debt under control?
Net cash
Yes. It has more cash than debt.
How healthy are the accounts?
6 / 9
Mixed. It passes 6 of 9 health tests.
How is the share priced?
56.2x
One share costs 56.2 times its yearly profit per share.
What Trupanion, Inc. does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Feb 13, 2026
- Legal name
- TRUPANION, INC.
- CIK
- 0001371285
Trupanion, Inc. · TRUP
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $699M | $905M | $1.1B | $1.3B | $1.4B |
| Revenue growth | 39.2% | 29.5% | 22.5% | 16.0% | 11.9% |
| Gross margin | 14.9% | 13.5% | 11.8% | 13.9% | 16.1% |
| Operating margin | −5.0% | −4.8% | −3.7% | −0.7% | 1.0% |
| Net income | −$35.5M | −$44.7M | −$44.7M | −$9.6M | $19.4M |
| Net margin | −5.1% | −4.9% | −4.0% | −0.7% | 1.4% |
| Diluted EPS | −$0.89 | −$1.10 | −$1.08 | −$0.23 | $0.45 |
| Cash | |||||
| Cash from operations | $7.5M | −$8.0M | $18.6M | $48.3M | $89.5M |
| Capital expenditure | $12.4M | $17.1M | $18.3M | $9.7M | $14.1M |
| Free cash flow | −$4.9M | −$25.1M | $0.4M | $38.6M | $75.4M |
| FCF margin | −0.7% | −2.8% | 0.0% | 3.0% | 5.2% |
| Share buybacks | $0.0M | $5.8M | $0.0M | $0.0M | — |
| Share count change | 11.9% | 1.6% | 1.6% | 1.7% | 3.3% |
| Debt and strength | |||||
| Cash and short-term investments | $213M | $222M | $277M | $307M | $371M |
| Debt incl. finance leases | $0.0M | $68.4M | $128M | $128M | $102M |
| Shareholders' equity | $332M | $305M | $304M | $323M | $384M |
| Net debt / EBITDA | — | — | — | −25.9x | −9.1x |
| Current ratio | 1.7x | 1.6x | 1.6x | 1.7x | 1.7x |
| Interest coverage | −3,519.6x | −10.1x | −3.4x | −0.7x | 1.0x |
| Returns and quality | |||||
| Return on capital | −23.4% | −22.5% | −20.8% | −5.2% | 10.6% |
| Return on equity | −10.6% | −14.0% | −14.7% | −3.1% | 5.5% |
| Return on tangible equity | −12.8% | −18.7% | −18.5% | −3.5% | 6.1% |
| Piotroski F-score | 3 | 2 | 5 | 7 | 6 |
| Altman Z'' | 2.3 | 1.4 | 1.2 | 1.7 | 2.1 |
Insiders bought, 12 months
$0.0M
0 insiders
Insiders sold, 12 months
$2.6M
5 insiders
Of sales under plans
77%
$2.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Operating margin:
- Operating income as a share of revenue.
- Net income:
- Profit after all expenses, interest and tax.
- Free cash flow:
- Cash from operations minus capital spending.
- Net debt / EBITDA:
- Years of EBITDA needed to pay off net debt. Below zero means more cash than debt.
- Return on capital:
- After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.
Trupanion, Inc. · TRUP
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Margins, % of revenue
Cash vs debt (incl. leases)
Free cash flow
Dividends and buybacks
KIRA
At $29.77 a share, the company is worth $1.3B: 56.2 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001371285). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.