TRUP

SEATTLE, July 16, 2026 (GLOBE NEWSWIRE) -- Trupanion, Inc. (Nasdaq: TRUP), a leader in medical insurance for cats and dogs, announced today it will report financial results for its 2026 second quarter after the market closes on Wednesday, August 5, 2026. The company will host a conference call that day beginning shortly after 1:30 p.m. PT / 4:30 p.m. ET. A live webcast discussing results, guidance and management observations will be available on Trupanion's Investor Relations site under Investor Events at http://investors.trupanion.com and will be archived online for 3 months upon completion of the conference call. Participants can access the conference call by dialing 1-844-676-1342 (United States) or 1-412-634-6683 (International). A telephonic replay of the call will also be available after the completion of the call, by dialing 1-844-512-2921 (United States) or 1-412-317-6671 (International) and entering the replay pin number: 10210053. About Trupanion Trupanion is a leader in medical insurance for cats and dogs throughout the United States, Canada, and certain countries in Continental Europe with over 1,100,000 pets currently enrolled. For 26 years, Trupanion has given pet owners peace of mind so they can focus on their pet's recovery, not financial stress. Trupanion is committed to providing pet parents with the highest value in pet medical insurance with unlimited payouts on eligible expenses for the life of their pets. With its patented process, Trupanion is the only North American provider with the technology to pay veterinarians directly in seconds at the time of checkout. Trupanion is listed on NASDAQ under the symbol "TRUP". The company was founded in 2000 and is headquartered in Seattle, WA. Trupanion policies are issued, in the United States, by its wholly-owned insurance entity American Pet Insurance Company or ZPIC Insurance Company and, in Canada, by its wholly-owned insurance entity GPIC Insurance Company or by Accelerant Insurance Company of Canada. For more information, please visit trupanion.com. Contacts Gil Melchior, Director, Investor [email protected]

Trupanion has gotten torched over the last six months - since December 2025, its stock price has dropped 33.3% to $25.47 per share. This may have investors wondering how to approach the situation. Is there a buying opportunity in Trupanion, or does it present a risk to your portfolio? Dive into our full research report to see our analyst team’s opinion, it’s free. Despite the more favorable entry price, we’re sitting this one out for now. Here are three reasons we avoid TRUP, plus one stock we’d rather own. Book value per share (BVPS) serves as a key indicator of an insurer’s financial stability, reflecting a company’s ability to maintain adequate capital levels and meet its long-term obligations to policyholders. Disappointingly for investors, Trupanion’s BVPS grew at a mediocre 11.9% annual clip over the last two years. The key to book value per share (BVPS) growth is an insurer’s ability to earn underwriting profits while generating strong returns on its float - Warren Buffet’s secret sauce. Over the next 12 months, Consensus estimates call for Trupanion’s BVPS to grow by 3.4% to $8.82, lousy growth rate. Return on equity, or ROE, represents the ultimate measure of an insurer’s effectiveness, quantifying how well it transforms shareholder investments into profits. Over the long term, insurance companies with robust ROE metrics typically deliver superior shareholder returns through a balanced approach to capital management. Over the last five years, Trupanion has averaged an ROE of negative 6.5%, a bad result not only in absolute terms but also relative to the majority of insurers putting up 20%+. It also shows that Trupanion has little to no competitive moat. Trupanion’s business quality ultimately falls short of our standards. Following the recent decline, the stock trades at 2.6× forward P/B (or $25.47 per share). Beauty is in the eye of the beholder, but we don’t really see a big opportunity at the moment. We’re pretty confident there are superior stocks to buy right now. Let us point you toward an all-weather company that owns household favorite Taco Bell. WHILE YOU’RE HERE: Top 9 Market-Beating Stocks. The best stocks don’t just beat the market once. They do it again. And again. Robust revenue growth, rising free cash flow, returns on capital that leave their competition in the dust. The market has already rewarded these businesses. But our AI platfo...

Interested in Trupanion, Inc.? Here are five stocks we like better. Trupanion beat Q1 expectations and posted record first-quarter subscription margins, but the stock has continued to struggle. Subscriber retention remains a strength, helping support the company’s monthly pet insurance model despite competitive pressure. The bull case depends on Trupanion proving that revenue growth and customer loyalty can translate into durable profitability. Trupanion (NASDAQ: TRUP) has spent years telling investors a compelling story about pet insurance. Yet despite steadily rising revenue over the years, Trupanion has struggled to translate that growth into profits. Now, with the company’s first quarter building on positive results from 2025, Trupanion is delivering record margins, an earnings beat, and strong subscriber retention. → Meta and Cloud Computing: Real Potential, or a Shot in the Dark? But investors seem wary. Growth might not be the issue that still confronts the company. Compared with other countries, the United States is far behind in signing up for pet insurance. Instead, veterinary inflation and industry competition could be the reason investors are underwhelmed and might need more patience. Trupanion is not typically cited when discussing insurers. It does not pay a dividend, and subscription insurance for cats and dogs is a niche that rarely attracts much investor attention. The company is also unusual in the world of insurance in that its policies are monthly, rather than annual contracts that customers renegotiate every year. → Qualcomm Goes All-In: The $10B Bet to Crush NVIDIA The company’s first quarter results showed, however, that its model is working. For the first three months of the year, Trupanion reported that revenue rose 12% to $384 million compared with a year earlier and above expectations. The company’s net income flipped from a $1.5 million loss a year ago to a profit of $4.9 million, or 11 cents per share, over 50% more than analysts had expected. Adjusted earnings before interest, taxes, depreciation, and amortization (EBITDA) rose 42% to $17.4 million, → After SpaceX, Amazon Could Be The Next Best Space Stock While the earnings beat was notable, operating margins told a more compelling story. Trupanion’s subscription adjusted operating margin rose to 14.2%, a first-quarter record, up from 12.9%. And adjusted operating income rose 2...

Earnings results often indicate what direction a company will take in the months ahead. With Q1 behind us, let’s have a look at Trupanion (NASDAQ:TRUP) and its peers. Property & Casualty (P&C) insurers protect individuals and businesses against financial loss from damage to property or from legal liability. This is a cyclical industry, and the sector benefits when there is 'hard market', characterized by strong premium rate increases that outpace loss and cost inflation, resulting in robust underwriting margins. The opposite is true in a 'soft market'. Interest rates also matter, as they determine the yields earned on fixed-income portfolios. On the other hand, P&C insurers face a major secular headwind from the increasing frequency and severity of catastrophe losses due to climate change. Furthermore, the liability side of the business is pressured by 'social inflation'—the trend of rising litigation costs and larger jury awards. The 32 property & casualty insurance stocks we track reported a mixed Q1. As a group, revenues beat analysts’ consensus estimates by 1.9%. While some property & casualty insurance stocks have fared somewhat better than others, they have collectively declined. On average, share prices are down 1.1% since the latest earnings results. Born from a vision to help pet owners avoid economic euthanasia when faced with expensive veterinary bills, Trupanion (NASDAQ:TRUP) provides medical insurance for cats and dogs through data-driven, vertically-integrated products priced specifically for each pet's unique characteristics. Trupanion reported revenues of $384 million, up 12.3% year on year. This print exceeded analysts’ expectations by 1.1%. Overall, it was an exceptional quarter for the company with a beat of analysts’ EPS and book value per share estimates. “The gap between the cost of veterinary care and what pet parents can reasonably plan for continues to widen,” said Margi Tooth, Chief Executive Officer and President of Trupanion. The market was likely pricing in the results, and the stock is flat since reporting. It currently trades at $23.76. Is now the time to buy Trupanion? Access our full analysis of the earnings results here, it’s free. Founded in 1893 during America's westward expansion when property records were often disputed, Stewart Information Services (NYSE:STC) provides title insurance and real estate services, helping ho...

Trupanion (TRUP) came out with quarterly earnings of $0.11 per share, beating the Zacks Consensus Estimate of $0.07 per share. This compares to a loss of $0.03 per share a year ago. These figures are adjusted for non-recurring items. This quarterly report represents an earnings surprise of +51.72%. A quarter ago, it was expected that this provider of medical insurance covering cats and dogs would post earnings of $0.14 per share when it actually produced earnings of $0.13, delivering a surprise of -7.14%. Over the last four quarters, the company has surpassed consensus EPS estimates three times. Trupanion, which belongs to the Zacks Insurance - Accident and Health industry, posted revenues of $384.05 million for the quarter ended March 2026, surpassing the Zacks Consensus Estimate by 1.15%. This compares to year-ago revenues of $341.98 million. The company has topped consensus revenue estimates four times over the last four quarters. The sustainability of the stock's immediate price movement based on the recently-released numbers and future earnings expectations will mostly depend on management's commentary on the earnings call. Trupanion shares have lost about 32.9% since the beginning of the year versus the S&P 500's gain of 4.2%. While Trupanion has underperformed the market so far this year, the question that comes to investors' minds is: what's next for the stock? There are no easy answers to this key question, but one reliable measure that can help investors address this is the company's earnings outlook. Not only does this include current consensus earnings expectations for the coming quarter(s), but also how these expectations have changed lately. Empirical research shows a strong correlation between near-term stock movements and trends in earnings estimate revisions. Investors can track such revisions by themselves or rely on a tried-and-tested rating tool like the Zacks Rank, which has an impressive track record of harnessing the power of earnings estimate revisions. Ahead of this earnings release, the estimate revisions trend for Trupanion was mixed. While the magnitude and direction of estimate revisions could change following the company's just-released earnings report, the current status translates into a Zacks Rank #3 (Hold) for the stock. So, the shares are expected to perform in line with the market in the near future. You can see the comple...

Trupanion reported Q1 adjusted operating income of over $40 million (up 29% YoY) on total revenue of $384 million (+12%) and reiterated full‑year guidance of $1.556B–$1.581B in revenue with total AOI of $173M–$187M. The subscription business led results: subscription revenue rose 16% to $269.5 million, subscription AOI was $38.4 million (96% of total AOI) with a record Q1 subscription margin of 14.2%, ~1.106M subscription pets, and 98.35% trailing‑12‑month retention. Management is investing in growth and product expansion—adding about 64,700 pets in Q1 and deploying $21.2M of AOI at an average acquisition cost of $315 per pet—while beginning a rollout of a lower‑entry, digital‑first product to broaden access. Interested in Trupanion, Inc.? Here are five stocks we like better. 3 Stocks With High Short Interest Still Near Their 52-Week Highs Trupanion (NASDAQ:TRUP) reported first-quarter results that management said reflect continued margin expansion, strong adjusted operating income growth, and ongoing investment in new member acquisition as the company moves into a new strategic plan focused on product expansion and a forthcoming digital-first offering. Chief Executive Officer and President Margi Tooth said Trupanion generated “over $40 million of adjusted operating income” (AOI) in the first quarter, up 29% year-over-year, and said the company “remain[s] on track to deliver $180 million for the full year.” Tooth emphasized AOI as a key metric that “provides the flexibility to invest in growth and serves as a proxy for our core earnings power.” → Corning Beats Q1 Estimates but Drops 9% on Guidance Miss 7 Short Squeeze Stocks to Look Into for Your Portfolio Tooth framed the company’s growth opportunity around rising veterinary costs and increasing demand for pet care. She said the “human-animal bond continues to strengthen,” while “the cost of veterinary support has increased significantly,” which she said can limit access to care for uninsured pets. As the company looks to “fully capture what’s ahead,” Tooth said Trupanion plans to “embolden our messaging,” broaden its existing product, introduce “a brand-new product,” and continue investing in growth. She also pointed to the company’s scale, noting Trupanion provides coverage for “nearly 1 million pets under the Trupanion brand.” → Is Oracle Undervalued as Cloud Growth Accelerates? 2 Stocks Providing Medica...

Trupanion (TRUP) reported $384.05 million in revenue for the quarter ended March 2026, representing a year-over-year increase of 12.3%. EPS of $0.11 for the same period compares to -$0.03 a year ago. The reported revenue compares to the Zacks Consensus Estimate of $379.7 million, representing a surprise of +1.15%. The company delivered an EPS surprise of +51.72%, with the consensus EPS estimate being $0.07. While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health. As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately. Here is how Trupanion performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts: Revenue- Other Business: $114.6 million compared to the $111.42 million average estimate based on three analysts. The reported number represents a change of +5.2% year over year. Revenue- Subscription Business: $269.45 million versus the three-analyst average estimate of $268.18 million. The reported number represents a year-over-year change of +15.6%. Other business adjusted operating income (non-GAAP): $1.8 million versus $1.59 million estimated by three analysts on average. Subscription adjusted operating income (non-GAAP): $38.39 million versus $38.46 million estimated by three analysts on average. View all Key Company Metrics for Trupanion here>>> Shares of Trupanion have returned -1.4% over the past month versus the Zacks S&P 500 composite's +12.2% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term. Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Trupanion, Inc. (TRUP) : Free Stock Analysis Report This article originally published on Zacks Investment Research (zacks.com). Zacks Investment Research

SEATTLE (AP) — SEATTLE (AP) — Trupanion Inc. (TRUP) on Thursday reported first-quarter profit of $4.9 million. The Seattle-based company said it had profit of 11 cents per share. The results surpassed Wall Street expectations. The average estimate of four analysts surveyed by Zacks Investment Research was for earnings of 7 cents per share. The provider of medical insurance covering cats and dogs posted revenue of $384 million in the period, which also beat Street forecasts. Four analysts surveyed by Zacks expected $379.7 million. _____ This story was generated by Automated Insights (http://automatedinsights.com/ap) using data from Zacks Investment Research. Access a Zacks stock report on TRUP at https://www.zacks.com/ap/TRUP

Generated record first-quarter adjusted operating income (AOI) of over $40 million, providing the capital flexibility to invest in growth initiatives and new product development. Attributed strong subscription performance to accurate pricing and improved retention, resulting in a record lifetime value per pet that grew 29% year-over-year. Identified a shift in the market where pet care is increasingly viewed as essential despite rising veterinary costs, creating a larger addressable market for insurance solutions. Acknowledged a decline in same-store sales productivity within veterinary hospitals, which management is addressing by widening their software footprint to capture future active leads. Reorganized growth operations under a single leader to unify the pet parent experience from lead generation through conversion and retention. Reported a record Q1 subscription adjusted operating margin of 14.2%, driven by scale efficiencies and the accuracy of pricing adjustments implemented over the last two years. Plans to launch a brand-new, digital-first product later this year designed to appeal to Millennial and Gen Z pet parents seeking lower entry-level price points. Expanding core product flexibility by offering broader deductible and coinsurance options, aiming to increase web conversion rates and reach a wider customer segment. Expects growth in the 'other business' segment to continue decelerating as the company ceases enrollment for its largest partner in the majority of U.S. states. Maintains full-year 2026 AOI guidance of $173 million to $187 million, assuming continued compounding of core earnings power and disciplined capital deployment. Anticipates that the early rollout of flexible pricing in Canada and select U.S. states will expand broadly throughout the year to drive higher pet acquisition. Achieved a fourth consecutive quarter of positive net income. Noted an adverse development from prior periods of $3.1 million, which impacted the subscription value proposition by approximately 120 basis points. Reduced total debt balance by $19.5 million compared to the prior year period as part of a broader strategy to strengthen the balance sheet. Reported a 62% claims automation rate, up from 56% last year, leveraging AI to improve member experience and reduce operational processing costs. Our analysts just identified a stock with the potential to be the...

Trupanion (TRUP) reported Q1 earnings Thursday of $0.11 per diluted share, swinging from a loss of $

This article first appeared on GuruFocus. Total Revenue: $384 million, up 12% year-over-year. Subscription Revenue: $269.5 million, up 16% year-over-year. Total Monthly Average Revenue per Pet: $85.79, up 11% over the prior-year period. Total Subscription Pets: 1,106,000 pets, a 5% increase year-over-year. Average Monthly Retention: 98.35%, up from 98.28% in the prior year. Cost of Paying Veterinary Invoices: $190.9 million, with a value proposition of 70.8%. Variable Expenses: 9.1% of subscription revenue, consistent with the prior year. Fixed Expenses: 5.8% of revenue, down from 6.2% in the prior year. Adjusted Operating Income (AOI): $40.2 million, up 29% from the previous year. Subscription Adjusted Operating Margin: 14.2%, up from 12.9% in the prior year. Other Business Revenue: $114.6 million, a 5% increase year-over-year. Net Income: $4.9 million or $0.11 per share, compared to a net loss of $1.5 million in the prior year. Operating Cash Flow: $14.6 million, compared to $16 million in the prior year. Free Cash Flow: $13.7 million, approximately in line with the previous year. Cash and Short-term Investments: $383.7 million. Total Debt Balance: $109.3 million, a reduction of $19.5 million from the previous year. Full Year 2026 Revenue Outlook: $1.556 billion to $1.581 billion. Full Year 2026 Subscription Revenue Outlook: $1.119 billion to $1.135 billion. Full Year 2026 Adjusted Operating Income Outlook: $173 million to $187 million. Q2 2026 Revenue Outlook: $386 million to $392 million. Q2 2026 Subscription Revenue Outlook: $274 million to $277 million. Q2 2026 Adjusted Operating Income Outlook: $40 million to $43 million. Warning! GuruFocus has detected 4 Warning Sign with TRUP. Is TRUP fairly valued? Test your thesis with our free DCF calculator. Release Date: April 30, 2026 For the complete transcript of the earnings call, please refer to the full earnings call transcript. Trupanion Inc (NASDAQ:TRUP) reported a 29% year-over-year increase in adjusted operating income, reaching over $40 million for the first quarter. The company added approximately 64,700 pets to its ecosystem in Q1, demonstrating strong growth in pet enrollment. Trupanion Inc (NASDAQ:TRUP) achieved a record lifetime value per pet, up 29% year-over-year, indicating strong per-pet economics. The subscription business delivered an adjusted operating margin of 14.2%, the highest Q1 marg...

Image source: The Motley Fool. Apr. 30, 2026 at 4:30 p.m. ET Chief Executive Officer and President — Margi Tooth Chief Financial Officer — Fawwad Qureshi Director of Investor Relations — Gil Melchior Need a quote from a Motley Fool analyst? Email [email protected] Operator: Good day, and welcome to the Trupanion, Inc. First Quarter 2026 Earnings Conference Call. All participants will be in listen-only mode. Should you need assistance, please signal a conference specialist by pressing the star key followed by zero. After today's presentation, there will be an opportunity to ask a question. To ask a question, you will press star, then one, on a touch-tone phone. To withdraw your question, please press star then two. Please note this event is being recorded. I would now like to turn the conference over to Gil Melchior, Director of Investor Relations. Please go ahead. Gil Melchior: Good afternoon, and welcome to Trupanion, Inc.'s First Quarter 2026 Financial Results Conference Call. Participating on today's call are Margi Tooth, Chief Executive Officer and President, and Fawwad Qureshi, Chief Financial Officer. Before we begin, please be advised that remarks today will contain forward-looking statements. All statements other than statements of historical facts are forward-looking statements. These include, but are not limited to, statements regarding our future operations, key operating metrics, opportunities and financial performance, pricing, and veterinary industry inflation. These statements involve a high degree of known and unknown risks and uncertainties that could cause actual results to differ materially from those discussed. A detailed discussion of these and other risks and uncertainties are included in today's earnings release as well as the company's most recent reports, including Forms 10-K, 10-Q, and 8-K filed with the Securities and Exchange Commission. Today's presentation contains references to non-GAAP financial measures that management uses to evaluate the company's performance, including without limitation, cost of paying veterinary invoices, variable expenses, fixed expenses, adjusted operating income, acquisition costs, internal rate of return, adjusted EBITDA, and free cash flow. When we use the term adjusted operating income or margin, it is intended to refer to a non-GAAP operating income or margin before new pet acquisition and development e...