Trupanion, Inc. (TRUP)

NASDAQ: TRUP · Real-Time Price · USD

29.62

-0.03 (-0.10%)

Aug 28, 2026, 4:00 PM EDT - Market closed

Trupanion Financials Overview

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	1,521	1,439	1,286	1,109	905.18	698.99
Revenue Growth	11.80%	11.95%	15.97%	22.47%	29.50%	39.23%
Operating Income	25.28	15.27	-4.03	-36.27	-42.38	-34.94
Net Income	23.21	19.43	-9.63	-44.69	-44.67	-35.53
Earnings Per Share	0.53	0.45	-0.23	-1.08	-1.10	-0.89
EPS Growth	113.80%	-	-	-	-	-

Revenue by Segment

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Subscription Business	1,060	989.34	856.52	712.91	596.61	494.86
Other Business	460.49	449.97	429.16	395.7	308.57	204.13
Total	1,521	1,439	1,286	1,109	905.18	698.99

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Investments	149.36	138.02	160.3	147.5	65.61	87.4
Total Debt	106.91	125.95	129.25	128.93	69.46	-
Net Cash (Debt)	42.45	12.08	31.05	18.57	-3.85	87.4
Net Cash Growth	412.94%	-61.10%	67.17%	-	-	-37.11%
Net Cash Per Share	0.97	0.28	0.74	0.45	-0.09	2.18

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Cash Flow	94.08	89.49	48.29	18.64	-8	7.46
Capital Expenditures	-11.9	-14.13	-9.72	-18.28	-17.09	-12.36
Free Cash Flow	82.18	75.36	38.57	0.36	-25.09	-4.9
Free Cash Flow Growth	34.04%	95.38%	10674.02%	-	-	-

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Margin	1.66%	1.06%	-0.31%	-3.27%	-4.68%	-5.00%
Pretax Margin	1.72%	1.53%	-0.75%	-4.06%	-4.88%	-5.04%
Profit Margin	1.53%	1.35%	-0.75%	-4.03%	-4.93%	-5.08%
FCF Margin	5.40%	5.24%	3.00%	0.03%	-2.77%	-0.70%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '26 Aug 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
PE Ratio	55.38	83.07	-	-	-	-
Forward PE	45.43	85.46	292.39	292.39	292.39	292.39
P/FCF Ratio	15.81	21.42	52.91	3540.62	-	-
PS Ratio	0.85	1.12	1.59	1.14	2.15	7.63