📊 TRUP Key Takeaways
Is Trupanion, Inc.. (TRUP) a Good Investment?
Trupanion demonstrates a significant profitability inflection with net income up 301.7% YoY and 11.9% revenue growth, supported by a conservative balance sheet (0.25x debt/equity) and positive free cash flow generation. However, extremely thin operating margins (1.2%), negligible returns on equity (1.2%), and limited interest coverage (2.5x) indicate structural profitability challenges that must improve for the investment thesis to sustain.
Why Buy Trupanion, Inc.. Stock? TRUP Key Strengths
- Exceptional profitability turnaround: 301.7% YoY net income growth with revenue expansion of 11.9%
- Strong financial position: Conservative leverage (0.25x debt/equity), solid liquidity (1.73x current ratio), and $153.5M cash reserves
- Positive cash generation: $13.7M free cash flow with efficient capital deployment ($847K capex)
TRUP Stock Risks: Trupanion, Inc.. Investment Risks
- Dangerously thin margins: 1.3% net margin and 1.2% operating margin limit financial flexibility and pricing power
- Structural profitability weakness: 1.2% ROE and 0.5% ROA indicate poor asset utilization and value creation
- Fragile coverage metrics: 2.5x interest coverage provides minimal cushion; any operational deterioration threatens debt service capability
Key Metrics to Watch
- Gross margin sustainability and claims loss ratio trends (critical for insurance underwriting quality)
- Operating margin expansion as revenue scales (must demonstrate operating leverage)
- Return on equity trajectory toward industry-competitive levels (currently at 1.2%)
- Free cash flow generation relative to net income (sustainability and cash conversion quality)
Trupanion, Inc.. (TRUP) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The relatively thin 3.6% FCF margin may limit capital allocation flexibility.
TRUP Profit Margin, ROE & Profitability Analysis
TRUP vs Healthcare Sector: How Trupanion, Inc.. Compares
How Trupanion, Inc.. compares to Healthcare sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Trupanion, Inc.. Stock Overvalued? TRUP Valuation Analysis 2026
Based on fundamental analysis, Trupanion, Inc.. has mixed fundamental signals relative to the Healthcare sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Trupanion, Inc.. Balance Sheet: TRUP Debt, Cash & Liquidity
TRUP Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Trupanion, Inc..'s revenue has grown significantly by 106% over the 5-year period, indicating strong business expansion. The most recent EPS of $-1.08 indicates the company is currently unprofitable.
TRUP Revenue Growth, EPS Growth & YoY Performance
TRUP Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $342.0M | -$1.5M | $-0.03 |
| Q3 2025 | $327.5M | $1.4M | $0.03 |
| Q2 2025 | $314.8M | -$5.9M | $-0.14 |
| Q1 2025 | $306.1M | -$1.5M | $-0.03 |
| Q3 2024 | $285.9M | $1.4M | $0.03 |
| Q2 2024 | $270.6M | -$5.9M | $-0.14 |
| Q1 2024 | $256.3M | -$6.9M | $-0.16 |
| Q3 2023 | $233.8M | -$4.0M | $-0.10 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Trupanion, Inc.. Dividends, Buybacks & Capital Allocation
TRUP SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Trupanion, Inc.. (CIK: 0001371285)
📋 Recent SEC Filings
| Date | Form | Document | Action |
|---|---|---|---|
| May 13, 2026 | 4 | xslF345X06/wk-form4_1778721701.xml | View → |
| May 13, 2026 | 4 | xslF345X06/wk-form4_1778720537.xml | View → |
| May 13, 2026 | 4 | xslF345X06/wk-form4_1778720529.xml | View → |
| May 13, 2026 | 4 | xslF345X06/wk-form4_1778720521.xml | View → |
| May 13, 2026 | 4 | xslF345X06/wk-form4_1778720516.xml | View → |
❓ Frequently Asked Questions about TRUP
What is the AI rating for TRUP?
Trupanion, Inc.. (TRUP) has an AI rating of BUY with 68% confidence, based on fundamental analysis of SEC EDGAR filings.
What are TRUP's key strengths?
Claude: Exceptional profitability turnaround: 301.7% YoY net income growth with revenue expansion of 11.9%. Strong financial position: Conservative leverage (0.25x debt/equity), solid liquidity (1.73x current ratio), and $153.5M cash reserves.
What are the risks of investing in TRUP?
Claude: Dangerously thin margins: 1.3% net margin and 1.2% operating margin limit financial flexibility and pricing power. Structural profitability weakness: 1.2% ROE and 0.5% ROA indicate poor asset utilization and value creation.
What is TRUP's revenue and growth?
Trupanion, Inc.. reported revenue of $384.0M.
Does TRUP pay dividends?
Trupanion, Inc.. does not currently pay dividends.
Where can I find TRUP SEC filings?
Official SEC filings for Trupanion, Inc.. (CIK: 0001371285) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is TRUP's EPS?
Trupanion, Inc.. has a diluted EPS of $0.11.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is TRUP a good stock to buy right now?
Based on our AI fundamental analysis in May 2026, Trupanion, Inc.. has a BUY rating with 68% confidence. The AI analysis suggests favorable fundamentals based on SEC filings. This is not investment advice.
Is TRUP stock overvalued or undervalued?
Valuation metrics for TRUP: ROE of 1.2% (sector avg: 15%), net margin of 1.3% (sector avg: 12%). Compare these metrics with sector averages to assess valuation.
Should I buy TRUP stock in 2026?
Our dual AI analysis gives Trupanion, Inc.. a combined BUY rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is TRUP's free cash flow?
Trupanion, Inc..'s operating cash flow is $14.6M, with capital expenditures of $847.0K. FCF margin is 3.6%.
How does TRUP compare to other Healthcare stocks?
Vs Healthcare sector averages: Net margin 1.3% (avg: 12%), ROE 1.2% (avg: 15%), current ratio 1.73 (avg: 2).