Trupanion outlines 14% subscription revenue growth target for 2026 while highlighting record retention and margin gains
Trupanion aims for a 14% subscription revenue growth target in 2026, building on strong performance in 2023. The company is experiencing increased retention rates for its subscription plans and improved margins, which are critical factors in achieving its financial goals. Trupanion has recently implemented a price change strategy that appears to be contributing to these positive trends.
The 5 Most Interesting Analyst Questions From Trupanion's Q4 Earnings Call
Trupanion's Q4 2025 earnings call highlighted strong performance driven by increased retention rates and pet acquisitions, resulting in higher subscription revenue and adjusted operating income. Management attributed margin expansion to improved pricing and operational efficiencies. Analysts' questions focused on brand spending effectiveness, pricing vs. volume for 2026, retention trends, upcoming lower-priced plans, and the outlook for the "other business" segment amidst veterinary inflation.
Trupanion returns to profit in 2025
Trupanion, Inc. has announced a return to profitability in 2025, reporting a net income of $19.4 million, a significant improvement from a net loss of $9.6 million in the previous year. The company saw a 12% increase in total revenue, reaching $1.44 billion, with subscription revenue growing by 16%. CEO Margi Tooth highlighted that Trupanion achieved its 15% annual margin target and is poised for strategic advancement despite a slight decrease in total enrolled pets.
GSA Capital Partners LLP Purchases 39,776 Shares of Trupanion, Inc. $TRUP
GSA Capital Partners LLP significantly increased its stake in Trupanion (NASDAQ:TRUP) by 827.3% in the third quarter, purchasing an additional 39,776 shares to hold a total of 44,584 shares valued at $1.93 million. This comes as Trupanion stock recently traded down approximately 13%, with the company reporting Q4 EPS of $0.13, missing analyst expectations, despite an 11.7% year-over-year revenue increase. Analysts maintain a "Moderate Buy" consensus rating with a price target of $45.50, even as insiders have sold over 32,000 shares in recent months.
Analysts Are Bullish on These Financial Stocks: AMP (AMLTF), Trupanion (TRUP)
Two financial stocks, AMP (AMLTF) and Trupanion (TRUP), have received bullish sentiments from analysts. UBS analyst Shreyas Patel CFA gave AMP a Buy rating with a A$1.75 price target, while William Blair's Brandon Vazquez maintained a Buy rating on Trupanion. The article highlights the current analyst consensus and price targets for both companies.
Trupanion (TRUP) Turns TTM Profitable Yet Thin Margins Test Bullish Narratives
Trupanion (TRUP) reported Q4 2025 revenue of US$376.9 million and a full-year TTM EPS of US$0.45, marking its transition to profitability with net income of US$19.4 million. Despite this, the company's thin margins, derived from US$1.44 billion in TTM revenue, raise questions about the long-term sustainability of bullish growth narratives. Its high Price/Earnings ratio of 62.4x against modest forecast earnings growth of 13.2% also highlights valuation concerns for skeptical investors.
Analysts Offer Insights on Financial Companies: Brookfield Corporation (BN), Trupanion (TRUP) and HASI (HASI)
Three analysts have issued bullish ratings on Brookfield Corporation (BN), Trupanion (TRUP), and HASI (HASI), highlighting positive outlooks for these financial companies. TD Cowen maintained a Buy rating on Brookfield with a $59.00 price target, while Bank of America Securities assigned a Buy rating to Trupanion with a $63.00 price target. J.P. Morgan also maintained a Buy rating on HASI, setting a price target of $46.00.
Trupanion Record 2025 Results Test Growth Versus Margin Trade Off
Trupanion reported record results for 2025, with strong subscription revenue and operating margins, despite a significant share price decline over the past year. In response to rising veterinary costs, the company plans to introduce a lower-priced pet insurance product. This strategy, combined with improved retention rates and technological investments like Landspath, aims to balance growth and profitability while addressing market competition and the challenge of sustained veterinary inflation.
Trupanion Record 2025 Results Test Growth Versus Margin Trade Off
Trupanion reported record results for 2025, with high subscription revenue and operating margins, but its stock has seen significant declines. The company is introducing a lower-priced product and investing in technology like Landspath to balance growth and margins amidst veterinary cost inflation. While earnings have turned positive, the challenge remains in maintaining profitability with new product offerings and intense competition.
TRUPANION, INC. SEC 10-K Report
Trupanion, Inc. has released its 2025 Form 10-K report, detailing a significant financial rebound with increased revenue and a return to profitability. The report highlights strategic initiatives such as expanding the subscription business, optimizing capital structure, and technological investments, while also addressing challenges like profitability concerns, revenue growth uncertainty, and various operational and regulatory risks. The company aims to increase pet insurance penetration and explore new acquisition channels and non-insurance revenue streams.
Trupanion Reports Fourth Quarter & Full Year 2025 Results
Trupanion, Inc. announced strong financial results for Q4 and the full year 2025, with total revenue increasing by 12% to $1.439 billion and net income reaching $19.4 million. The company achieved its 15% annual margin target, grew subscription revenue, and reinvested profits, leading to improved retention and accelerating pet additions. Trupanion's CEO emphasized the company's strong discretionary profit generation and readiness for its next strategic plan.
Stifel Maintains Hold Rating on Trupanion (TRUP), Lowers Price T
Stifel has reaffirmed its "Hold" rating on Trupanion (TRUP) but has adjusted its price target down from $38.00 to $35.00, reflecting a 7.89% decrease. This adjustment signals a cautious near-term outlook for the company, although Stifel maintains confidence in its long-term prospects. Trupanion, a specialty insurance provider for pets, is closely monitored by analysts, with a consensus "Outperform" recommendation and an average target price of $46.25 from four analysts.
TRUP Q4 Deep Dive: Retention and Acquisition Drive Solid Pet Insurance Growth, Margin Expansion in Focus
Trupanion (TRUP) reported Q4 CY2025 revenue that met Wall Street expectations, driven by higher retention rates and increased pet acquisitions. Despite missing GAAP EPS estimates, the company achieved significant operating margin expansion due to improved pricing alignment and operational efficiencies. Management emphasized a continued focus on disciplined pricing, expense management, and member base expansion, while also acknowledging the challenge of persistent veterinary inflation.
Trupanion stock hits 52-week low at $29.91
Trupanion Inc. (TRUP) stock has fallen to a new 52-week low of $29.91, reflecting a 35.24% decrease over the last 12 months. Despite this significant price drop and missing EPS forecasts in its Q4 2025 earnings report, the company reported revenue growth and maintains healthy liquidity with a current ratio of 1.71. Analysts predict profitability for the year, suggesting potential value for investors.
Trupanion, Inc. (NASDAQ:TRUP) Q4 2025 Earnings Call Transcript
Trupanion, Inc. reported its Q4 2025 earnings, revealing record performance with nearly $1 billion in subscription revenue and significant growth in adjusted operating income. The company highlighted improving pet retention, accelerating new pet acquisitions, and a strong financial position that allows for continued investment in growth strategies and technological advancements. Trupanion also provided its financial outlook for Q1 and full-year 2026, projecting consistent revenue growth and increased adjusted operating income, despite missing EPS expectations slightly for Q4 2025.
Why Trupanion (TRUP) Shares Are Trading Lower Today
Shares of pet insurance provider Trupanion (TRUP) fell 8.5% after reporting mixed fourth-quarter 2025 financial results, including an EPS miss of $0.13 per share against forecasts of $0.16. Despite an 11.7% year-over-year revenue growth to $376.9 million, in line with expectations, investors reacted negatively to the profitability concerns, pushing the stock to a new 52-week low. The share price decline also comes after a previous 3.7% drop when Cantor Fitzgerald lowered its price target on TRUP from $50.00 to $42.00.
Trupanion (TRUP) Q4 Earnings Miss Estimates
Trupanion (TRUP) reported Q4 earnings of $0.13 per share, missing the Zacks Consensus Estimate of $0.14 per share but exceeding year-ago earnings. Despite missing EPS estimates, the company's revenues of $376.85 million surpassed the consensus estimate. The stock currently holds a Zacks Rank #2 (Buy), suggesting potential outperformance in the near future.
Trupanion outlines 14% subscription revenue growth target for 2026 while highlighting record retention and margin gains
Trupanion (TRUP) aims for a 14% subscription revenue growth rate in 2026, driven by record pet retention and improved margins. The company projects an enhanced adjusted operating margin of 10%-15% for the same year. These targets were shared during its Investor Day presentation, signaling confidence in its future performance.
Trupanion Inc (TRUP) Q4 2025 Earnings Call Highlights: Record Revenue Growth and Strategic Initiatives Propel Future Outlook
Trupanion Inc (TRUP) reported record revenue growth in Q4 2025, with total revenue up 12% and subscription revenue increasing by 15%. The company achieved nearly $1 billion in subscription revenue for 2025 and outlined a positive outlook for 2026, including projected revenue between $1.55 billion and $1.582 billion. Despite strong performance, Trupanion faces challenges such as adverse development impacting loss ratio, an internal rate of return below target, and rising fixed expenses.
Trupanion (TRUP) Q4 2025 Earnings Call Transcript
Trupanion (TRUP) reported a record-setting Q4 2025 with significant growth in subscription revenue and adjusted operating income, alongside improved retention rates and accelerating net pet growth. The company is actively investing in new pet acquisition and strategic initiatives like Landspath, while also planning a lower-priced product offering within the next 36 months to broaden market reach. Despite concerns about veterinary inflation and the expected deceleration of its other business segment, management projects continued consistent revenue growth and margin expansion for 2026, driven by efficient expense management and pricing strategies.
Trupanion Inc (NASDAQ:TRUP) Reports Q4 Revenue In Line but EPS Misses Estimates
Trupanion Inc. (NASDAQ:TRUP) reported its Q4 2025 financial results, with revenue meeting Wall Street's expectations at $376.9 million, an 11.7% year-over-year increase. However, the company's non-GAAP EPS of $0.13 fell short of the analyst estimate of $0.1649, indicating pressure on profitability despite strong sales growth. The market reacted with a slight decline in after-hours trading, and investors will be watching for the company to meet or exceed profit expectations in 2026.
Trupanion: Q4 Earnings Snapshot
Trupanion Inc. (TRUP) reported fourth-quarter net income of $5.6 million, or 13 cents per share, falling short of analyst expectations of 14 cents per share. However, the company's revenue of $376.9 million for the quarter exceeded Street forecasts. For the full year, Trupanion posted a profit of $19.4 million on revenue of $1.44 billion.
Trupanion Inc earnings missed by $0.03, revenue topped estimates
Trupanion Inc (NASDAQ: TRUP) reported fourth-quarter EPS of $0.13, missing analyst estimates of $0.16 by $0.03. However, the company's revenue for the quarter came in at $376.9 million, surpassing the consensus estimate of $375.21 million. The stock price closed at $32.20 and has seen a decline of -14.68% in the last 3 months and -34.33% in the last 12 months.
Trupanion (NASDAQ:TRUP) Posts Q4 CY2025 Sales In Line With Estimates
Trupanion (NASDAQ:TRUP) reported Q4 CY2025 sales of $376.9 million, meeting Wall Street's revenue expectations with an 11.7% year-on-year increase. However, its GAAP profit of $0.13 per share missed analyst estimates by 19.6%. The company's revenue growth has an impressive five-year compounded annual growth rate of 23.4%, although its two-year annualized growth is slightly lower at 13.9%.
Trupanion Reports Fourth Quarter & Full Year 2025 Results
Trupanion, a provider of medical insurance for pets, announced strong financial results for Q4 and the full year 2025. The company reported significant increases in revenue, net income, and adjusted EBITDA, driven by growth in its subscription business and effective strategic initiatives. Trupanion also highlighted improved pet retention rates and a solid financial position, expressing confidence in its future growth trajectory.
Trupanion Reports Fourth Quarter & Full Year 2025 Results
Trupanion, Inc. (Nasdaq: TRUP) announced strong financial results for the fourth quarter and full year ended December 31, 2025. The company reported significant increases in total revenue and subscription business revenue, achieving its 15% annual margin target and improved net income and Adjusted EBITDA compared to the previous year. Trupanion attributes this success to increased subscription revenue, reinvestment in growth, and accelerating pet additions, positioning them well for their next strategic phase.
Trupanion (TRUP) Q4 Earnings: Taking a Look at Key Metrics Versus Estimates
Trupanion (TRUP) reported its Q4 2025 earnings, with revenue up 11.7% year-over-year to $376.85 million, slightly beating Zacks Consensus Estimate. EPS was $0.13, a significant increase from $0.04 in the prior year quarter, but missed the consensus estimate. The stock currently holds a Zacks Rank #2 (Buy), suggesting potential near-term outperformance.
Trupanion (TRUP) Valuation Check As Earnings Focus Turns To Slower Revenue Growth Expectations
Trupanion (TRUP) is under investor scrutiny ahead of its earnings report, with concerns about slower revenue growth contrasting its history of exceeding analyst expectations. While a "narrative fair value" suggests the stock is 42.8% undervalued due to expected subscriber growth, a high P/E ratio indicates potential valuation risk if market sentiment shifts. Investors are encouraged to consider these differing views and conduct their own research before making investment decisions.
Trupanion Receives Two Stevie Awards for Excellence in Sales and Customer Service
Trupanion, a leading pet medical insurance provider, has been honored with two Stevie Awards for Sales & Customer Service: a Silver for Contact Center of the Year and a Bronze for Customer Service Employer of the Year. These awards recognize Trupanion's exceptional customer experience, high retention rates, 24/7 support, and its innovative VetDirect Pay™ system. The company's commitment to pet health over financial stress and its global team of experts were highlighted as key factors in its recognition.
Trupanion Earns Silver and Bronze Stevie® Awards for Sales & Customer Service
Trupanion (NASDAQ: TRUP) has been awarded a Silver Stevie Award for Contact Center of the Year and a Bronze Stevie Award for Customer Service Employer of the Year for its exceptional sales and customer service. The company is recognized for its 24/7/365 support, nearly 98% monthly retention rate, 78% first-contact resolution, and over 2.1 million direct-to-vet claim payments. These awards highlight Trupanion's commitment to pet parents and its innovative approaches to pet medical insurance.
New York State Common Retirement Fund Has $507,000 Holdings in Trupanion, Inc. $TRUP
The New York State Common Retirement Fund significantly reduced its stake in Trupanion, Inc. ($TRUP) by 86.1% in the third quarter, now holding 11,705 shares valued at $507,000. Despite this, other institutions like Millennium Management and Campbell & CO increased their holdings, indicating mixed institutional sentiment. Insider sales totaled $1.18 million last quarter, while analysts generally rate the stock a "Moderate Buy" with an average target price of $50, compared to its current trading price around $33.09.
Trupanion (TRUP) Q4 2025 Earnings Preview: Analyst Expectations & Trends - News and Statistics
Trupanion (TRUP) is set to release its Q4 2025 financial results, with analysts expecting revenue of $375.9 million, representing an 11.5% year-over-year increase, though a slowdown from previous growth. Despite a history of beating revenue estimates, the company's share price has decreased by 7.9% over the last month, contrasting with stable share prices for peers in the property and casualty insurance sector. The average analyst price target for TRUP is significantly higher than its current share price.
Trupanion (TRUP) To Report Earnings Tomorrow: Here Is What To Expect
Trupanion (TRUP), a pet insurance provider, is set to report its earnings this Thursday. Analysts project an 11.5% year-on-year revenue growth to $375.9 million, a slowdown from the previous year, but the company has a strong record of exceeding revenue estimates. Peers in the property & casualty insurance segment have shown mixed results, while Trupanion's stock is currently trading below its average analyst price target.
Precision Trading with Trupanion Inc. (TRUP) Risk Zones
This article analyzes Trupanion Inc. (TRUP) using AI models, identifying a near-term neutral sentiment amidst mid- and long-term weakness. It highlights an exceptional 84.4:1 risk-reward setup targeting a 23.7% gain with only 0.3% risk. The analysis provides three institutional trading strategies—Position, Momentum Breakout, and Risk Hedging—tailored for different risk profiles and holding periods, alongside multi-timeframe signal analysis.
Trupanion (TRUP) Could Find a Support Soon, Here's Why You Should Buy the Stock Now
Trupanion (TRUP) stock, which has been in a bearish trend, shows potential for a reversal due to a hammer chart pattern formed in its last trading session. This technical indicator, coupled with an upward trend in earnings estimate revisions and a Zacks Rank #2 (Buy), suggests that the stock could find support and experience a turnaround. Analysts are optimistic about TRUP's future earnings, further enhancing its prospects.
The Truth About Trupanion Inc: Is This Pet Insurance Stock a Secret Cheat Code or a Total Trap?
This article examines Trupanion Inc (TRUP), a pet insurance provider, to determine if it is a worthwhile investment or merely overhyped. It discusses the benefits, such as direct-to-vet payments and comprehensive coverage for serious medical issues, alongside potential drawbacks like rising premiums and exclusions for pre-existing conditions. The piece also compares Trupanion to competitors like Lemonade and offers insights for both pet parents considering the service and investors eyeing the stock.
Trupanion stock hits 52-week low at 30.85 USD By Investing.com
Trupanion Inc. shares have fallen to a new 52-week low of 30.85 USD, reflecting a 33.45% decrease over the past year due to market pressures and company-specific challenges. Despite beating Q3 2025 earnings and revenue expectations, Stifel lowered its price target for Trupanion to $42 from $45, maintaining a Hold rating, amid consumer research indicating lower willingness to pay for pet insurance than Trupanion's average revenue per user.
Trupanion stock hits 52-week low at 30.85 USD
Trupanion Inc. (TRUP) stock has fallen to a new 52-week low of $30.85, marking a 33.45% decrease over the past year due to market pressures and company-specific challenges. This decline occurred despite the company exceeding analyst expectations for its Q3 2025 earnings, with an EPS of $0.13 and revenue of $366.9 million. Stifel, however, adjusted its price target down to $42 from $45, noting that typical pet owner spending on insurance ($70/month) is below Trupanion's average revenue per user ($82).
All You Need to Know About Trupanion (TRUP) Rating Upgrade to Strong Buy
Trupanion (TRUP) has received an upgrade to Zacks Rank #1 (Strong Buy) due to a significant upward trend in its earnings estimates. This upgrade is driven by a 46.9% increase in the Zacks Consensus Estimate for the company's fiscal year 2025 earnings over the past three months. The Zacks rating system highlights companies with improving earnings outlooks, which historically correlates with favorable stock price movements.
Y Intercept Hong Kong Ltd Makes New Investment in Trupanion, Inc. $TRUP
Y Intercept Hong Kong Ltd has made a significant new investment in Trupanion, Inc. (NASDAQ:TRUP), acquiring 43,836 shares valued at approximately $1.90 million. This comes amidst recent insider selling by Trupanion executives, with CFO Fawwad Qureshi and COO John R. Gallagher selling shares, while the company reported mixed Q3 earnings, missing EPS estimates but beating on revenue. Analysts currently hold a "Moderate Buy" consensus rating for Trupanion with an average price target of $50.00.
Trupanion COO Gallagher sells $13.6k in company stock By Investing.com
Trupanion Inc. COO John R. Gallagher sold 430 shares of company stock worth $13,618 on January 28, 2026, under a pre-arranged trading plan. This transaction occurred amidst the company reporting Q3 2025 earnings that surpassed analyst expectations and a recent downgrade of its price target by Stifel due to consumer pet insurance spending habits.
Insider Sell: John Gallagher Sells Shares of Trupanion Inc (TRUP)
John Gallagher, Chief Operating Officer of Trupanion Managers USA Inc, sold 430 shares of Trupanion Inc (TRUP) on January 28, 2026, reducing his total holdings to 31,861 shares. This sale is part of a pattern, as Gallagher has sold 14,343 shares over the past year with no purchases. Trupanion Inc, a pet insurance provider, is currently trading at $31.67, which GuruFocus assesses as "modestly undervalued" with a price-to-GF-Value ratio of 0.73 compared to its GF Value of $43.29.
Insider Selling: Trupanion (NASDAQ:TRUP) COO Sells 430 Shares of Stock
Trupanion (NASDAQ:TRUP) COO John Gallagher sold 430 shares of the company's stock on January 28th, 2026, for a total of $13,618.10. This sale reduced his ownership by 1.33%, leaving him with 31,861 shares. The company's stock is trading at $32.17, has a P/E ratio of 89.36, and recently reported quarterly earnings of $0.13 EPS, missing analyst estimates.
Trupanion COO Gallagher sells $13.6k in company stock
Trupanion Inc's COO, John R. Gallagher, sold 430 shares of company stock for $13,618 under a pre-arranged trading plan. This transaction follows Trupanion's strong Q3 2025 earnings which beat analyst expectations. Despite good earnings, the stock saw a slight decline, and Stifel lowered its price target due to consumer spending limits on pet insurance.
Stifel Maintains Hold Rating on TRUP, Lowers Price Target to $38
Stifel has maintained its "Hold" rating on Trupanion (TRUP) but reduced its price target from $42.00 to $38.00, representing a 9.52% decrease. This adjustment comes amidst varied analyst ratings, though the average target from four analysts is $50.75, implying a potential 58.99% upside from the current price. Trupanion, a specialty pet insurance provider, is anticipated by GuruFocus to have a fair value (GF Value) of $47.50, suggesting a 48.81% upside.
25 Years of Paws and Protection: Trupanion Reflects on a Quarter-Century of Protecting Our Furry Best Friends
Trupanion, a leading pet medical insurance provider, is celebrating its 25th anniversary, marking a quarter-century of protecting pets and supporting pet parents. The company has evolved into a global leader, distinguished by its patented VetDirect Pay™ technology that allows direct payments to veterinarians in seconds, enabling pet owners to prioritize care over financial concerns. Trupanion has protected over 3.8 million pets, processed over $3.6 billion in claims, and continues to innovate with features like unlimited payouts and lifetime deductibles for specific conditions.
Inside Trupanion’s 25-year push to pay pet vet bills in seconds
Trupanion is celebrating its 25th anniversary, highlighting its growth from a startup to a global leader in pet medical insurance, protecting over 3.8 million pet parents and more than 1 million pets. The company has paid over $3.6 billion in invoices and enabled over $3.5 billion in veterinary care, notably via its patented VetDirect Pay™ system which allows real-time direct payments to veterinarians. With a 98%+ monthly retention rate and over 1,000 employees, Trupanion emphasizes its mission to remove financial barriers to pet care and its commitment to industry innovation.
25 Years of Paws and Protection: Trupanion Reflects on a Quarter-Century of Protecting Our Furry Best Friends
Trupanion, a leading provider of pet medical insurance, is celebrating its 25th anniversary, marking a quarter-century of helping pet parents afford necessary veterinary care. The company has paid over $3.6 billion in claims and prides itself on its patented VetDirect Pay™ technology, which allows direct payments to veterinarians at checkout, removing financial barriers for pet owners. Trupanion's commitment to innovation and supporting the veterinary community has led to industry firsts like unlimited payouts and condition-specific lifetime deductibles, impacting over 3.8 million pets globally.
Trupanion Announces Fourth Quarter and Full Year 2025 Earnings Release and Conference Call
Trupanion, Inc. (Nasdaq: TRUP) has announced it will release its financial results for the fourth quarter and full year 2025 on Thursday, February 12, 2026, after the market closes. The company will also host a conference call and live webcast on the same day to discuss the results, guidance, and management observations. Investors can access the webcast and a slide presentation on Trupanion's Investor Relations site.
Trupanion Announces Fourth Quarter and Full Year 2025 Earnings Release and Conference Call
Trupanion, Inc. (Nasdaq: TRUP) has announced it will release its financial results for the 2025 fourth quarter and full year after market close on Thursday, February 12, 2026. The company will also host a conference call on the same day to discuss the results, guidance, and management observations. A live webcast and slide presentation will be available on Trupanion's Investor Relations website.
