Trupanion stock
TRUPNASDAQTrupanion, Inc., Financial ServicesISIN US8982021060
52Score 52 out of 100, Neutral
Price and trend
86 / 100
Price history
−12% in one yearThe chart shows daily closes over 12 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Above the 200-day line: the price is 29% above it.
Since October 2026 the 50-day line has been above the 200-day line; the trend has turned up.
Overheated: the price has risen very quickly lately (RSI 72).
The price is 13% below its 52-week high. Largest decline in 12 years: 87% (December 2021 to June 2023).
Chart figures for advanced users
- SMA 50$27.61
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$26.67
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)72
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDabove the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$21.46
- The lowest closing price of the last twelve months.
- Resistance$39.39
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- Trupanion, Inc. belongs to the Insurance (Property & Casualty) industry (United States) and, with a market value of $1.48B, is number 43 of 58 companies in its industry on MEQIRI.
- For fiscal 2026, analysts expect on average revenue of $1.59B (up 10.6%) and adjusted earnings per share of $0.63 (up 40.4%).
- MEQIRI Score 52 out of 100 (Neutral): rank 841 of 976 in Financial Services, median 68.
Show more
- The P/E is 56.4 (Insurance (Property & Casualty) median 12.4, own median of recent years 83).
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- Growing faster than its industryRevenue up 23.4% a year since 2020, Insurance (Property & Casualty) median 8.5%.Growth 77
Weaknesses
- DilutionShare count up 20% since 2020.Capital allocation 30
- Low return on equityReturn on equity 6.7% over the last 12 months.Profitability 35
- Volatile share priceVolatility 48% a year over the last 12 months.
Its standout strengths are technical analysis and growth, while fundamentals and valuation hold the score back.
Daily figure as of 12 Nov 2026
How the score is calculatedScore overview
Score since yesterday from 51 to 52.
Fundamental quality fluctuates.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansCrash risk high
How well MEQIRI warnsOne of the 30% with the highest crash risk among smaller stocks.
From 2016 to 2025, 36 in 100 such stocks fell 30% or more within a year, against a group average of 23 in 100.
What drives the risk
- weak fundamentals
- high price swings
Valuation
Valuation signal
OvervaluedClosing price of 11 Nov 2026, used by the daily score.
A fair value is not meaningful here, so the signal follows the valuation grade.
Valuation metrics
The model puts the fair value at less than a quarter of the share price. That says more about the assumptions than about the company, so a fair value is not meaningful here and the valuation relies on the P/E and the other metrics.
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In the twelve months to 30 Sep 2026, revenue rose 11.4% on the twelve months before. Revenue has grown strongly since 2011, at around 30% per year.
Margins
- Operating margin
- Net margin
In fiscal 2025: operating 2%, net 1%. Banks and insurers have no gross margin, and their net margin is not comparable with other industries. The score leaves both out.
Debt & balance sheet
latest quarterFor banks and insurers, deposits and liabilities are the business. Debt to equity and the current ratio say little here, and the score does not rate them.
Earnings
- Next earnings
- 11 Feb 2027in 91 days
- Last reported
- 5 Nov 2026EPS reported $0.21 (expected $0.17)above expectations
Analyst estimates
Earnings estimates have barely changed since 15 Oct 2026.
- Earnings per share
- $0.630.0%
- Revenue
- $1.59B0.0%
- Earnings per share
- $0.70−0.5%
- Revenue
- $1.72B−0.1%
MEQIRI has stored the estimates since 15 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
Company outlook confirmed
Share price after the results: +14.2%2026 total revenue now expected at $1.584 to $1.601 billion and subscription revenue narrowed to $1.124 to $1.133 billion, with no clear direction versus earlier guidance.
“For the full year of 2026, we now expect total revenue in the range of $1.584 billion to $1.601 billion. We are narrowing the range for subscription revenue, which is now expected to be between $1.124 billion and $1.133 billion.”The outlook is not part of the score and not a recommendation to buy or sell.
From the earnings call on 5 Aug 2026 (fiscal Q2 2026), read by AI.
Insiders
Open-market purchases and sales by executives, board members and major holders
No open-market purchases in the last 6 months. 4 insiders sold, $802,210 in total.
Sales say less than purchases: many insiders sell on a fixed plan, for taxes or to diversify.
- Gallagher John RSale
28 Oct 2026, Chief Operating Officer
- Shares
- 431
- Price
- $29.12
- Value
- $12,551
- Tooth MargaretSale
9 Oct 2026, CEO
- Shares
- 1,000
- Price
- $25.84
- Value
- $25,840
- Gallagher John RSale
28 Sept 2026, Chief Operating Officer
- Shares
- 431
- Price
- $22.92
- Value
- $9,879
Show 11 more
- Tooth MargaretSale
11 Sept 2026, CEO
- Shares
- 1,000
- Price
- $25.00
- Value
- $25,000
- Gallagher John RSale
28 Aug 2026, Chief Operating Officer
- Shares
- 3,604
- Price
- $29.70
- Value
- $107,039
- Qureshi FawwadSale
26 Aug 2026, Chief Financial Officer
- Shares
- 6,111
- Price
- $30.01
- Value
- $183,391
- Tooth MargaretSale
25 Aug 2026, CEO
- Shares
- 491
- Price
- $31.84
- Value
- $15,633
- Tooth MargaretSale
11 Aug 2026, CEO
- Shares
- 978
- Price
- $29.05
- Value
- $28,411
- Gallagher John RSale
28 Jul 2026, Chief Operating Officer
- Shares
- 431
- Price
- $25.08
- Value
- $10,809
- Gallagher John RSale
29 Jun 2026, Chief Operating Officer
- Shares
- 431
- Price
- $25.35
- Value
- $10,926
- Weinrauch SteveSale
5 Jun 2026, EVP, North Am & Vet Strategy
- Shares
- 6,674
- Price
- $22.00
- Value
- $146,828
- Gallagher John RSale
28 May 2026, Chief Operating Officer
- Shares
- 3,603
- Price
- $21.69
- Value
- $78,153
- Qureshi FawwadSale
27 May 2026, Chief Financial Officer
- Shares
- 6,177
- Price
- $22.18
- Value
- $137,016
- Tooth MargaretSale
25 May 2026, CEO
- Shares
- 491
- Price
- $21.86
- Value
- $10,733
Partial trades from one filing are shown in one row, with the average price.
Source: Form 4 filings with the US Securities and Exchange Commission. Grants, option exercises, gifts and tax withholdings are hidden. Not a recommendation to buy.
What happened at Trupanion
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
976 rated companies in Financial Services
- This company
- 52
- Sector median
- 68
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Insurance (Property & Casualty)
The next larger and next smaller companies by market value
- Horace Mann EducatorsHMN $2.16B68
- KemperKMPR $2.05B35
- Línea Directa AseguradoraLDA.MC $1.55B76
- Safety Insurance GroupSAFT $1.53B60
- Stewart Information ServicesSTC $1.35B47
- Universal Insurance HoldingsUVE $1.33B87
- United Fire GroupUFCS $1.32B64
- Ategrity Specialty HoldingsASIC $1.16B70
ETFs that hold Trupanion
Held by 12 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| iShares S&P SmallCap 600 UCITS ETFIUS3 | 0.07% | 0.30% | €2.28B |
| Avantis Global Small Cap Value UCITS ETFAVWS | 0.06% | 0.39% | €1.47B |
| L&G Russell 2000 US Small Cap Quality UCITS ETFETLZ | 0.05% | 0.30% | €185.82M |
Show 5 more
| Xtrackers Russell 2000 UCITS ETF 1CXRS2 | 0.04% | 0.30% | €2.17B |
| State Street SPDR Russell 2000 U.S. Small Cap UCITS ETF (Acc)ZPRR | 0.04% | 0.30% | €4.22B |
| State Street SPDR MSCI USA Small Cap Value Weighted UCITS ETFZPRV | 0.02% | 0.30% | €944.34M |
| iShares MSCI World Small Cap UCITS ETFIUSN | 0.02% | 0.35% | €8.19B |
| iShares MSCI USA Small Cap CTB Enhanced ESG UCITS ETFSXRG | 0.01% | 0.43% | €2.48B |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Score
- Daily value of 12 Nov 2026, recalculated nightly
- Price
- Closing price of 12 Nov 2026
- Latest annual report
- Fiscal year 2025, period end 31 Dec 2025
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Neutral, published since 7 Nov 2026 (in the score history since 5 Nov 2026)
- Valuation signal Overvalued since 7 Nov 2026
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.