# Trupanion share price today (Trupanion, Inc., TRUP)

> Trupanion, Inc.'s P/BV is near the low end of its own history, higher than only 19% of past readings, and its quarterly results are still getting worse. TRUP · Financials · Insurance - Property & Casualty · data as of 3 November 2026. Page: https://www.sectoralpha.in/us/stocks/trup

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## Key numbers

- Price: $31.12 (−22.2% in a year)
- P/BV: 3.3× (lower than 81% of the last 5.3 years)
- Revenue (Jun 2026): $393 M (+11.1% on a year ago)
- Profit (Jun 2026): $6.8 M (−27.4% on a year ago)
- Net margin: 1.7% (−1.0 points on a year ago)
- ROE: 6%, FY25

The main question: the P/BV is near the low end of its own history, higher than only 19% of past readings, but results are getting worse. A low multiple can stay low until the quarters turn. ## What is the Trupanion share price today? Trupanion, Inc.'s share price was $31.12 at the close on 3 November 2026. It has been stalling near its high for 4 weeks. That is 17.1% above its average price over the last 200 trading days. Over the past 13 weeks it has done better than the S&P 500, and it has stayed ahead for 4 weeks in a row. In the last 52 weeks it traded between $22 and $39, and at that close it sat 55% of the way up from that low. Over the last 10 years the share price moved +111% while the S&P 500 moved +255%, so it is behind the index over that whole period. The chart above shows the 13-week comparison for every week. This page treats a rise as over when the price closes below its 200-day average on two Fridays in a row. ## What dividend does Trupanion pay? Trupanion, Inc. pays no dividend. In the last 12 reported quarters it declared no dividend per share, so there is no payout history to chart and no yield to show. Companies like this usually keep their earnings in the business, so the cash-flow sections show where that cash goes. ## Which stock lists is Trupanion on? Trupanion is not in the Nasdaq 100, the S&P 500 or the Dow Jones 30, and is not on the US tech stocks list. ## Is Trupanion profitable? Trupanion, Inc. earned $6.8 M of net profit in the Jun 2026 quarter, −27.4% on the same quarter a year earlier. Full-year FY25 profit was $19.4 M. That is 1.7% of the quarter's revenue. The same quarter a year earlier earned $9.4 M. 5 of the last 12 reported quarters were loss-making. Why profit moved: revenue changed +11.1% on a year earlier and the margin moved −1.0 percentage points. Sales did the work, and the margin was about flat. On average over the last four quarters, profit changed +174.9% and revenue +11.8%. Profit is growing faster than sales: fixed costs are spread over more sales, so each extra dollar of revenue adds more to profit. ## How much revenue does Trupanion make, and is it growing? Trupanion, Inc. reported $393 M of income in the Jun 2026 quarter, +11.1% on the same quarter a year earlier. That is the 12th quarter in a row with growth on the year before. Over 4 years it has grown 19.8% a year on average. The last full year, FY25, came in at $1.4 B. The last four reported quarters add to $1.5 B. FY25 revenue was $1.4 B, +11.9% on the year before. Recent pace: the last four quarters grew +11.8% on average, against 19.8% a year over the longer run, so this year is growing slower than its own long-run rate. Is growth speeding up? Revenue over the last 12 months grew +11.8%, against +12.5% a year over the last 8 quarters (stabilising). ## How much does Trupanion keep from what it earns? Trupanion, Inc.'s net margin was 1.7% in the Jun 2026 quarter, 1.0 percentage points lower than the same quarter a year ago. Its latest full-year margin is the highest it has ever reported. Across 5 years it has been between −5.1% and 1.4%. The latest quarter is above every full year in that period. Across 5 years it has been between −5.1% and 1.4%, and FY25's 1.4% is the highest of them. Why: the net margin move is clear, but the cost details behind it are not in our data, so we show the move without guessing the reason. As noted under valuation: when margins are at a record, every ratio built on profit looks better than usual, so a low multiple can mislead. ## How many of Trupanion's loans have gone bad? Trupanion, Inc. does not report loan-quality figures this page can read, so this section says so rather than guess. No bad-loan figures are filed in a form this page can read, and none are guessed from the profit line. The income, margin and return sections carry what this business does report. Why: loan quality drives a lender, but its details (new bad loans, recoveries, money set aside) are not in our data for this company. The sections around this one carry what we can back up. ## How fast is Trupanion's loan book growing? Trupanion, Inc.'s revenue was $1.4 B in FY25, +11.9% on the year before, so the loan book is growing. The latest quarter was +11.1% on a year earlier. The net margin on that income is 1.7%, −1.0 percentage points on a year ago. Interest income stands in for the size of the loan book; changes in interest rates can move it a few points in any year. In short: a lender grows well when its loan book grows, its margin stays steady and its loans stay clean. Quarterly loan-quality figures are missing here, so revenue growth and margin are the two we watch. ## What is Trupanion's P/BV ratio, and how does it compare with its own history? Trupanion, Inc.'s P/BV is 3.3×, near the low end of its own history: it has been lower only 19% of the time. Its usual P/BV (the middle reading) is 5.3×, over 5.3 years of weekly prices. This compares the share price with the company’s own past. It does not say what the business is worth. Why the multiple is low: this lender earns about 6% a year on its equity. A lender that earns less on its net worth is valued lower for each dollar of it, and that gap usually closes only if returns improve. Keep one thing in mind: the net margin is the best this company has ever reported. A multiple that looks low against its own past can mislead when profit is at a record. If margins fall back, today's multiple is higher than it looks. Where the price move came from: over 5 years the price moved −24.7% a year; about +2.6% a year came from book-value growth and about −27.3 percentage points from the multiple (the market paying less). The split is approximate (price return minus book-value growth). It shows how much of the move came from the market paying a different multiple. In short: the multiple is low against its own past, so the book value trend underneath matters more than the multiple. ## Is the Trupanion business getting better or worse? Trupanion, Inc.'s business trend cannot be read yet. There are fewer than eight usable quarters of growth figures, so there is not enough history to read the trend. This is based on 12 quarters of 2 measures, with some gaps. Why it matters: with too little history, we say so rather than guess a direction. One or more growth lines have an extreme jump caused by comparing with a near-zero or loss-making quarter. Those jumps are capped before reading and drawn at the edge of the chart, so one odd quarter does not decide the result. There are fewer than eight usable quarters, so this page does not guess a direction from so little history. ## How much does Trupanion earn on its equity and assets? Trupanion, Inc. earned a return on equity of 5% in FY25. Its lowest yearly reading on file was −15% in FY23. On its assets, every $100 earned about $1.78, before the effect of borrowing. For a lender the balance sheet is the business, so the return on equity and on assets have to be read together. That return is below the level a bank needs to grow its net worth quickly, which helps explain why its multiple is where it is. Why: the ROE chart shows the move, but the deposit-cost and bad-loan details behind it are not in our data. ## Does Trupanion have too much debt? For a bank, borrowing is the raw material of the business, not a warning sign: it borrows money in order to lend it out. Its safety is read through its returns and its loans. Its safety is read from the bad-loan figures and the return on equity instead. For a manufacturer, debt is a claim on its profits. For a lender it is the stock it trades in, so the usual debt-to-equity test would mislead and is not used here. ## What is the Trupanion shareholding pattern? 11.0% of Trupanion, Inc.'s tradable shares are in short positions, which are bets that the price will fall, so a large group of traders is betting against it. At normal trading volumes, closing those positions would take about 8.4 days. US companies do not publish a quarter-by-quarter list of owners, so this page uses short interest instead. It is a single reading at one point in time; we do not have its history. Why it is at this level: the figure does not say who holds the short positions or why, so we show the level without guessing the story. ## How far is Trupanion from balance-sheet trouble? For Trupanion, Inc., the Z-score is not used, because it was built for manufacturers, not lenders. For a lender, safety is read from its capital and bad-loan figures instead. ## How does Trupanion rank in its industry? There is no score against its industry: Trupanion, Inc. is not among the largest members shown in this industry comparison for Insurance - Property & Casualty. The score ranks a company within its industry: each measure is scored against the other members. Without that group there is no score, so none is shown. ## Which companies is Trupanion compared with? No sector comparison is shown here, not among the largest members shown in this industry comparison. ## Which companies are close to Trupanion in size? Trupanion is the 31st largest of 44 Insurance - Property & Casualty companies on Sector Alpha by market value (scores of 3 November 2026). Just above it: Safety Insurance Group, Inc., United Fire Group, Inc. and Stewart Information Services Corporation. Just below it: Universal Insurance Holdings, Inc., ProAssurance Corporation and Ategrity Specialty Insurance Company Holdings. ### Insurance - Property & Casualty companies close in size

1. [Safety Insurance Group, Inc.](https://www.sectoralpha.in/us/stocks/saft) $1.5 billion
2. [United Fire Group, Inc.](https://www.sectoralpha.in/us/stocks/ufcs) $1.5 billion
3. [Stewart Information Services Corporation](https://www.sectoralpha.in/us/stocks/stc) $1.4 billion
4. Trupanion, Inc. $1.4 billion
5. [Universal Insurance Holdings, Inc.](https://www.sectoralpha.in/us/stocks/uve) $1.4 billion
6. [ProAssurance Corporation](https://www.sectoralpha.in/us/stocks/pra) $1.3 billion
7. [Ategrity Specialty Insurance Company Holdings](https://www.sectoralpha.in/us/stocks/asic) $1.2 billion

[All 44 Insurance - Property & Casualty companies, largest first](https://www.sectoralpha.in/us/sectors/insurance-property-casualty#all-companies)

### Companies close in size in other industries

1. [National Vision Holdings, Inc.](https://www.sectoralpha.in/us/stocks/eye) $1.4 billion · Specialty Retail
2. [Cadre Holdings, Inc.](https://www.sectoralpha.in/us/stocks/cdre) $1.3 billion · Aerospace & Defense
3. Trupanion, Inc. $1.3 billion
4. [G-III Apparel Group, Ltd.](https://www.sectoralpha.in/us/stocks/giii) $1.3 billion · Apparel Manufacturing
5. [BJ's Restaurants, Inc.](https://www.sectoralpha.in/us/stocks/bjri) $1.3 billion · Restaurants

## What else do people ask about Trupanion? ### What were Trupanion's latest quarterly results? Trupanion, Inc. reported total income of $393 M and net profit of $6.8 M for the Jun 2026 quarter. Income rose 11.1% and profit fell 27.4% compared with a year earlier. Earnings per share were $0.16. The net margin was 1.7%, 1.0 percentage points lower than a year earlier (as of 3 November 2026). ### What is Trupanion's market cap? Trupanion, Inc.'s market capitalisation is $1.4 B at a stock price of $31.12. Market cap is the share price times the number of shares, so it changes whenever the price moves (as of 3 November 2026). ### How is Trupanion performing? Trupanion, Inc.'s share price has been stalling near its high for 4 weeks. In its latest quarter, income rose 11.1% and profit fell 27.4% compared with a year earlier. Over the past 13 weeks it has done better than the S&P 500, for 4 weeks running (as of 3 November 2026). ### Will Trupanion's stock price go up? This page does not forecast Trupanion, Inc.'s stock price. What it shows instead: the stock price is $31.12, and it has been stalling near its high for 4 weeks. Its P/BV of 3.3× is higher than 19% of its own last 5 years (as of 3 November 2026). ### Where is Trupanion in its business cycle? Trupanion, Inc.'s FY25 net margin was 1.4%, against a 5-year range of −5.1% to 1.4%: the top of its range, a record year. When profit is at a record, every ratio looks better than usual, and the story depends on margins staying high. The latest quarter was 1.7%. Comparing margins with a company's own long history is a good way to see where it is in its cycle (as of 3 November 2026). ### What could break the Trupanion story? The main question: the P/BV is near the low end of its own history, higher than only 19% of past readings, but results are getting worse. A low multiple can stay low until the quarters turn. On price, this page treats a rise as over when the share price closes below its 200-day average on two Fridays in a row (as of 3 November 2026). ### Is Trupanion a stock worth studying right now? What the numbers show: Trupanion, Inc.'s P/BV is near the low end of its own history, higher than only 19% of past readings, and its quarterly results are still getting worse. The main open question: whether results start to improve. Every number on this page is worked out by code from the published figures, with no forecasts and no price opinions (as of 3 November 2026). This is research, not advice. We’re not SEBI-registered.