📊 TRUP Key Takeaways
Is Trupanion, Inc.. (TRUP) a Good Investment?
Trupanion demonstrates solid revenue growth and strong free cash flow generation ($75.4M), but razor-thin operating margins (1.0%) and critically tight interest coverage (1.0x) create significant operational vulnerability. The 301.7% net income surge requires scrutiny for sustainability.
Why Buy Trupanion, Inc.. Stock? TRUP Key Strengths
- Strong free cash flow generation of $75.4M with healthy 5.2% FCF margin demonstrating quality earnings
- Solid top-line growth of 11.9% YoY with capital-light business model requiring only $14.1M annual CapEx
- Conservative balance sheet with manageable debt-to-equity ratio of 0.27x and adequate liquidity (1.69x current ratio)
TRUP Stock Risks: Trupanion, Inc.. Investment Risks
- Interest coverage ratio of 1.0x provides zero margin of safety; any operational decline risks debt covenant violations
- Extremely thin operating margin (1.0%) and gross margin (4.1%) indicate weak pricing power and operational efficiency
- Abnormal 301.7% net income growth requires investigation; likely driven by one-time items rather than sustainable operational improvements
Key Metrics to Watch
- Interest coverage ratio trend and debt refinancing timeline
- Operating margin sustainability and quarterly gross margin consistency
- Core earnings quality and organic net income growth excluding one-time items
Trupanion, Inc.. (TRUP) Financial Metrics & Key Ratios
💡 AI Analyst Insight
Trupanion, Inc.. presents a mixed fundamental picture. Review the detailed metrics above to form your own investment thesis.
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 |
|---|---|---|---|
| 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 |
| Q2 2023 | $219.4M | -$13.6M | $-0.33 |
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 |
|---|---|---|---|
| Apr 1, 2026 | 4 | xslF345X06/wk-form4_1775090031.xml | View → |
| Mar 6, 2026 | 4 | xslF345X05/wk-form4_1772843728.xml | View → |
| Mar 3, 2026 | 4 | xslF345X05/wk-form4_1772582987.xml | View → |
| Mar 3, 2026 | 4 | xslF345X05/wk-form4_1772582982.xml | View → |
| Feb 27, 2026 | 4 | xslF345X05/wk-form4_1772240597.xml | View → |
❓ Frequently Asked Questions about TRUP
What is the AI rating for TRUP?
Trupanion, Inc.. (TRUP) has an AI rating of HOLD with 58% confidence, based on fundamental analysis of SEC EDGAR filings.
What are TRUP's key strengths?
Claude: Strong free cash flow generation of $75.4M with healthy 5.2% FCF margin demonstrating quality earnings. Solid top-line growth of 11.9% YoY with capital-light business model requiring only $14.1M annual CapEx.
What are the risks of investing in TRUP?
Claude: Interest coverage ratio of 1.0x provides zero margin of safety; any operational decline risks debt covenant violations. Extremely thin operating margin (1.0%) and gross margin (4.1%) indicate weak pricing power and operational efficiency.
What is TRUP's revenue and growth?
Trupanion, Inc.. reported revenue of $1.4B.
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 $0.45.
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 April 2026, Trupanion, Inc.. has a HOLD rating with 58% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is TRUP stock overvalued or undervalued?
Valuation metrics for TRUP: ROE of 5.1% (sector avg: 15%), net margin of 1.4% (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 HOLD 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 $89.5M, with capital expenditures of $14.1M. FCF margin is 5.2%.
How does TRUP compare to other Healthcare stocks?
Vs Healthcare sector averages: Net margin 1.4% (avg: 12%), ROE 5.1% (avg: 15%), current ratio 1.69 (avg: 2).