Trupanion, Inc. (NASDAQ:TRUP) Receives Average Rating of “Moderate Buy” from Analysts

Shares of Trupanion, Inc. (NASDAQ:TRUP) have earned a consensus rating of “Moderate Buy” from the six ratings firms that are covering the stock, Marketbeat.com reports. One analyst has rated the stock with a sell recommendation, two have assigned a hold recommendation, two have assigned a buy recommendation and one has assigned a strong buy recommendation to the company. The average twelve-month target price among analysts that have covered the stock in the last year is $45.50.

A number of equities research analysts have commented on the company. Weiss Ratings restated a “sell (d+)” rating on shares of Trupanion in a research report on Monday, December 29th. Zacks Research raised shares of Trupanion from a “hold” rating to a “strong-buy” rating in a research report on Tuesday, January 6th. Piper Sandler decreased their price target on shares of Trupanion from $60.00 to $45.00 and set an “overweight” rating for the company in a report on Friday. Stifel Nicolaus dropped their price objective on shares of Trupanion from $38.00 to $35.00 and set a “hold” rating on the stock in a research note on Friday. Finally, Wall Street Zen downgraded shares of Trupanion from a “buy” rating to a “hold” rating in a research report on Saturday, December 6th.

Key Stories Impacting Trupanion

Here are the key news stories impacting Trupanion this week:

• Positive Sentiment: Management reiterated operational momentum: a 2026 target of ~14% subscription revenue growth, plus company commentary on record retention and margin gains that support longer‑term revenue visibility and profitability expansion. Article Title
• Positive Sentiment: Top‑line growth remained solid: Q4 revenue of $376.85M was up ~11.7% year‑over‑year and essentially in line with estimates; management also highlighted cumulative discretionary profit generation (>$500M since 2021), supporting free‑cash‑flow optionality. Article Title
• Neutral Sentiment: Guidance largely in line with consensus: FY‑2026 revenue was guided to roughly $1.6B and Q1 revenue to $376–382M (close to street estimates), suggesting no material upside surprise in near‑term top‑line trajectory. Article Title
• Negative Sentiment: Earnings missed marginally: Q4 EPS came in at $0.13 versus the $0.14 consensus (a $0.01 miss), which, combined with a thin net margin (~1.1%), disappointed some income‑oriented and growth investors. Article Title
• Negative Sentiment: Market reaction and positioning: the stock had already experienced a steep slide into the print; investors reacted to the EPS miss and nondisruptive guidance by selling, producing elevated volume and driving the share price lower. Article Title Article Title

Insider Buying and Selling

In related news, CEO Margaret Tooth sold 9,605 shares of the business’s stock in a transaction that occurred on Friday, December 19th. The stock was sold at an average price of $37.88, for a total value of $363,837.40. Following the completion of the sale, the chief executive officer owned 150,294 shares of the company’s stock, valued at approximately $5,693,136.72. The trade was a 6.01% decrease in their position. The sale was disclosed in a filing with the SEC, which can be accessed through this link. Also, COO John R. Gallagher sold 6,383 shares of the stock in a transaction that occurred on Friday, November 28th. The stock was sold at an average price of $34.82, for a total value of $222,256.06. Following the completion of the transaction, the chief operating officer owned 32,721 shares in the company, valued at $1,139,345.22. This represents a 16.32% decrease in their position. Additional details regarding this sale are available in the official SEC disclosure. Over the last ninety days, insiders sold 32,853 shares of company stock worth $1,181,863. Corporate insiders own 5.42% of the company’s stock.

Institutional Inflows and Outflows

A number of hedge funds have recently made changes to their positions in TRUP. State Street Corp boosted its position in Trupanion by 2.2% during the fourth quarter. State Street Corp now owns 1,290,987 shares of the financial services provider’s stock worth $48,244,000 after purchasing an additional 27,385 shares during the period. Marshall Wace LLP lifted its stake in shares of Trupanion by 4.5% in the fourth quarter. Marshall Wace LLP now owns 1,267,262 shares of the financial services provider’s stock worth $47,358,000 after buying an additional 55,111 shares during the last quarter. Geode Capital Management LLC boosted its holdings in shares of Trupanion by 7.0% during the 2nd quarter. Geode Capital Management LLC now owns 860,988 shares of the financial services provider’s stock worth $47,662,000 after buying an additional 56,671 shares during the period. Millennium Management LLC grew its stake in Trupanion by 185.8% in the 3rd quarter. Millennium Management LLC now owns 619,003 shares of the financial services provider’s stock valued at $26,790,000 after buying an additional 402,421 shares during the last quarter. Finally, Dimensional Fund Advisors LP grew its stake in Trupanion by 12.2% in the 4th quarter. Dimensional Fund Advisors LP now owns 607,022 shares of the financial services provider’s stock valued at $22,686,000 after buying an additional 66,069 shares during the last quarter.

Trupanion Trading Down 13.0%

Trupanion stock opened at $27.96 on Monday. Trupanion has a 52 week low of $27.30 and a 52 week high of $57.88. The company has a debt-to-equity ratio of 0.27, a quick ratio of 1.71 and a current ratio of 1.69. The firm has a market capitalization of $1.21 billion, a price-to-earnings ratio of 62.13 and a beta of 1.58. The company has a 50 day moving average price of $34.86 and a 200 day moving average price of $39.99.

Trupanion (NASDAQ:TRUP) last issued its earnings results on Thursday, February 12th. The financial services provider reported $0.13 EPS for the quarter, missing the consensus estimate of $0.14 by ($0.01). Trupanion had a return on equity of 5.39% and a net margin of 1.35%.The business had revenue of $376.85 million during the quarter, compared to analyst estimates of $375.89 million. During the same period last year, the business earned $0.04 EPS. The business’s quarterly revenue was up 11.7% on a year-over-year basis. Research analysts forecast that Trupanion will post 0.13 EPS for the current year.

About Trupanion

Trupanion, Inc is a pet medical insurance company that provides comprehensive insurance coverage for cats and dogs. The company’s core offering is a single, customizable medical policy designed to cover veterinary diagnostic tests, surgeries, hospital stays and congenital or hereditary conditions. Trupanion seeks to streamline the claims process by offering direct payment options to participating veterinarians, reducing the need for upfront payments by pet owners.

Founded in 1999 by Darryl Rawlings and headquartered in Seattle, Washington, Trupanion began operations in the early 2000s and has grown its presence through both digital channels and partnerships with veterinary hospitals.