TRUPANION, INC. financial metrics

Professional SEC-based dashboard for profitability, financial health, and growth with transparent scoring logic. Latest period: Q1 2026.

Public ticker
TRUP on Nasdaq
Latest financial report
30 Apr 2026
Company Names, identifiers, and filing context for this profile. 1 identity field
Company location
Seattle, WA
SEC filing record 1 source field available
Fiscal year end
31 December

Shareable Research Card

TRUP - TRUPANION, INC. Financial Facts

TRUP - TRUPANION, INC. has a source-backed company facts page for reviewing reported financial metrics, periods, and linked metric histories.

Start with the latest metric summary, then open metric histories or cross-company rankings to compare the same SEC-backed facts.

Context
Latest metrics period: Q1 2026
Latest reported value
Return On Equity 7.1%

Based on company facts extracted from SEC 10-Q/10-K XBRL filings where available. Open metric pages to inspect the reported history.

Open stable link Open latest 10-Q/10-K hub Which companies report the highest revenue?

Return Loop

Why revisit this company facts page

Company facts change as new 10-Q and 10-K filings update the latest reported period, headline values, and cross-company comparison context.

Latest source-backed update
Latest metrics period Q1 2026
Why come back
Use the next filing cycle to compare new facts against this baseline and then verify the detailed metric history.
  • Current latest metrics period: Q1 2026.
  • Most recent SEC facts end date on this page: 23 Apr 2026.
  • Save this filer to return when the next filing-backed metric period changes the picture.

Freshness comes from the latest SEC company facts period available for this filer and the linked metric history pages.

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Latest update

Latest update for TRUP - TRUPANION, INC.

New fact period available

Latest financial period: Q1 2026. Reopen this facts page to verify the newest reported period against the prior baseline.

Update date

30 Apr 2026

Page type

Company facts

Latest period

Q1 2026

SEC-backed company facts were refreshed from filings filed on 30 Apr 2026.

Open recent updates hub Open latest 10-Q/10-K hub

Benchmark Context

How Return On Equity compares

Return On Equity is down about 629% versus the comparable prior period.

Compared with

Compared with TRUPANION, INC.'s recent history first. Same-industry peer context appears only when enough SEC-backed benchmark coverage exists.

Why this is notable

Return On Equity already has a self-history signal here, but same-industry benchmark context waits until the benchmark sample is strong enough.

  • Latest comparable period on this page: Q1 2026.
  • Peer context will appear when enough companies report a comparable value for this metric.
  • Open the metric history first if you want to verify the exact period-to-period change.

Industry benchmark context uses SEC-reported values from the same methodology version. Latest periods may differ across companies.

Open Revenues YoY history Which companies report the highest revenue?

How to read key metrics on this page

These short guides explain what the headline metrics mean, what to compare next, and where to open the live SEC-backed example for this company.

Plain-English Guide

How to read Revenue on this page

Revenue is the sales a company reports from customers before most expenses are subtracted.

Why people care

People start here to understand business scale and whether demand is growing before they ask about margins or cash flow.

How to read it

Check the latest reported period first, then compare the same quarter or year against prior periods so seasonality does not distort the story.

Compare next

Compare revenue with gross profit, operating income, and operating cash flow to see whether sales are turning into healthy economics.

Revenue can jump because of acquisitions, pricing changes, or revenue-recognition rules, and reporting periods may differ across companies.

Open a live SEC-backed example

Open Revenue guide

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Key facts

  • TRUP - TRUPANION, INC. financial facts are built from SEC company filings data.
  • Latest metrics period on this page: Q1 2026.
  • Headline metric: Return On Equity 7.1%.

Change

  • Return On Equity YoY change: -629%.
  • Most recent SEC facts end date: 23 Apr 2026.

Research use

  • This gives a beginner-friendly first read before you inspect detailed formulas and metric tables.
  • Every metric card links to a deeper SEC-backed history page for verification.

Evidence

Based on latest 10-Q/10-K

Based on company facts extracted from SEC 10-Q/10-K XBRL filings where available. Open company facts to inspect the reported metric history.

View source filing

Latest SEC snapshot (2026-04-23) highlights Return On Equity 7.1%, Return On Assets 2.9%, and Operating Margin 1.4%.

Valuation Snapshot

SEC-only DCF estimate using a normalized free cash flow base, cash, debt, and reported share count when available.

DCF value materially above price Undervalued Low confidence

40%

fair value gap

Fair value per share

$38.29

Market price

$27.37

TRUP - Local security

PEG ratio

0.1x

P/E 61.5x / growth 494%

Free Cash Flow CAGR (3Y)

Enterprise value

$1.52B

Equity value

$1.67B

DCF fair value scenarios

Bear

$29.44

About fair
Growth
9%
Discount
11%
Terminal
2%

Gap 7.6%

Base

$38.29

Undervalued
Growth
12%
Discount
10%
Terminal
2.5%

Gap 40%

Bull

$52.20

Undervalued
Growth
15%
Discount
9%
Terminal
3%

Gap 91%

Base growth: Free Cash Flow CAGR (3Y).

Key valuation metrics

EV/Revenue

0.7x

Local security market EV / SEC revenue

EV/EBITDA

29.1x

Local security market EV / SEC EBITDA

P/E

61.5x

Local security market price / SEC EPS

P/S

0.8x

Local security market cap / SEC revenue

P/B

3.0x

Local security market cap / SEC equity

PEG

0.1x

P/E / Free Cash Flow CAGR

Core assumptions

Projection
5 years
FCF growth
4%
Discount rate
10%
Terminal growth
2.5%

SEC fact inputs

DCF base FCF
$75.07M
Trailing SEC FCF
Reported FCF
$75.07M
Net income
$19.43M
EBITDA
$35.84M
Cash
$153.46M
Debt
n/a
Equity
$394.82M
Shares
43,681,740

Data confidence notes

  • Dcf base free cash flow: dcf base starts from trailing sec free cash flow
  • Dcf base free cash flow: trailing free cash flow is materially above recent annual free cash flow
  • Dcf confidence is low for this sec-only free cash flow estimate
  • Debt missing: equity value treats debt as 0
  • Dcf historical free cash flow growth is capped for scenario conservatism

Compare This Company Through SEC-backed Metrics

Use these links to compare TRUP - TRUPANION, INC. against other SEC filers on the same metric, then verify the company history from the paired facts page.

Financial Quality Score

Transparent 0-100 scoring model based on profitability, financial health, and growth factors.

39.5/100

Weak Confidence medium

Return On Equity

7.1%

Metric score 0.0/100

Return On Assets

2.9%

Metric score 11.7/100

Financial Health

Current Ratio
1.73x

Strengths

Current Ratio and Revenues YoY

Watchpoints

Return On Equity, Return On Assets, and Operating Margin

Key metrics snapshot

Profitability

Metric Latest value YoY change
Return On Equity 7.1% -629%
Return On Assets 2.9% -660%
Operating Margin 1.4% -469%

Financial Health

Metric Latest value YoY change
Current Ratio 1.73x +1.5%

Growth

Metric Latest value YoY change
Revenues YoY 12%

Share Metrics

Metric Latest value YoY change
Entity Common Stock, Shares Outstanding 43,620,472 +2%
Common Stock, Shares, Outstanding 43,620,614 +2%
Weighted Average Number of Shares Outstanding, Basic 43,505,604 +1.7%
Weighted Average Number of Shares Outstanding, Diluted 43,681,740 +2.1%

Supporting Metrics

These supporting metrics stay fully source-backed for deeper research. Scan the latest value and reported period first, then open a metric page when you need the full filing trail.

Metric Latest value YoY change
Accounts Payable, Current $12,828,000 +33%
Accrued Liabilities, Current $42,329,000 +15%
Accumulated Other Comprehensive Income (Loss), Net of Tax $693,000 +3.1%
Additional Paid in Capital $613,624,000 +6.1%
Assets $921,580,000 +10%
Assets, Current $705,166,000 +12%
Cash and Cash Equivalents, at Carrying Value $153,456,000 -7.7%
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents $182,872,000 -11%
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect $11,414,000 +76%
Common Stock, Par or Stated Value Per Share 0 0%
Common Stock, Shares Authorized 100,000,000 0%
Common Stock, Shares, Issued 44,648,800 +1.9%
Comprehensive Income (Loss), Net of Tax, Attributable to Parent $25,818,000 +405%
Cost of Revenue $1,239,982,000 +9.9%
Deferred Income Tax Liabilities, Net $955,000 -49%
Depreciation, Depletion and Amortization $15,751,000 -4.4%
Earnings Per Share, Basic 0.59
Earnings Per Share, Diluted 0.59
General and Administrative Expense $75,858,000 +10%
Goodwill $38,621,000 +0.78%
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest $29,394,000
Income Tax Expense (Benefit) $3,598,000 +4897%
Increase (Decrease) in Accounts Receivable $3,035,000 -81%
Intangible Assets, Net (Excluding Goodwill) $23,684,000 +95%
Interest Expense $12,423,000 -12%
Liabilities $526,758,000 +4.6%
Liabilities and Equity $921,580,000 +10%
Liabilities, Current $408,366,000 +11%
Net Cash Provided by (Used in) Financing Activities $2,736,000 -496%
Net Cash Provided by (Used in) Investing Activities $113,000
Net Cash Provided by (Used in) Operating Activities $14,594,000 -8.6%
Operating Income (Loss) $20,086,000
Other Assets, Noncurrent $21,095,000 +29%
Other Liabilities, Noncurrent $18,091,000 +282%
Payments to Acquire Property, Plant, and Equipment $847,000 -56%
Preferred Stock, Par or Stated Value Per Share 0 0%
Preferred Stock, Shares Authorized 10,000,000 0%
Preferred Stock, Shares Issued 0
Preferred Stock, Shares Outstanding 0
Property, Plant and Equipment, Net $102,612,000 +0.66%
Retained Earnings (Accumulated Deficit) $201,575,000 +11%
Selling and Marketing Expense $87,503,000 +17%
Share-based Payment Arrangement, Expense $9,000,000 -8.4%
Share-based Payment Arrangement, Noncash Expense $9,000,000 -8.4%
Stockholders' Equity Attributable to Parent $394,822,000 +18%

How we score

This score is transparent and deterministic. We weight profitability, financial health, and growth metrics, then renormalize weights when SEC data is missing.

Metric Weight V1 threshold
ROIC205% to 20%
ROE158% to 25%
ROA102% to 10%
Operating Margin55% to 25%
Current Ratio121.0x to 2.0x
Quick Ratio80.8x to 1.5x
Debt to Equity100.3x to 2.0x (lower is better)
Revenue YoY10-10% to +20%
Net Income YoY10-10% to +20%

How Calculated (standard_v1)

Metrics are computed with a market-consensus convention designed for cross-portal comparability.

  • TTM Operating Income / TTM Revenues
  • Current Assets / Current Liabilities (latest instant quarter)
  • (Current Assets - Inventory) / Current Liabilities; fallback: (Cash+Short-Term Investments + Accounts Receivable) / Current Liabilities
  • Total Debt / Stockholders Equity (latest instant quarter; shared unit; freshest series)
  • TTM Net Income / Average Equity (current quarter + same quarter previous year) / 2
  • TTM Net Income / Average Assets (current quarter + same quarter previous year) / 2
  • TTM NOPAT / Average Invested Capital, where NOPAT=Operating Income*(1-tax rate), Invested Capital=Equity+Total Debt-Cash & ST Investments
  • TTM Revenues YoY
  • TTM Net Income YoY
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