Trupanion (NASDAQ:TRUP) Sets New 12-Month Low on Disappointing Earnings

Trupanion, Inc. (NASDAQ:TRUP) shares hit a new 52-week low on Friday following a weaker than expected earnings announcement. The company traded as low as $28.83 and last traded at $28.5760, with a volume of 150174 shares. The stock had previously closed at $32.14.

The financial services provider reported $0.13 earnings per share for the quarter, missing analysts’ consensus estimates of $0.14 by ($0.01). Trupanion had a return on equity of 5.51% and a net margin of 1.35%.The firm had revenue of $376.85 million for the quarter, compared to the consensus estimate of $375.89 million. During the same quarter in the previous year, the firm earned $0.04 EPS. The company’s revenue was up 11.7% compared to the same quarter last year.

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

Analyst Ratings Changes

A number of equities research analysts recently weighed in on TRUP shares. Wall Street Zen downgraded shares of Trupanion from a “buy” rating to a “hold” rating in a research note on Saturday, December 6th. Piper Sandler lowered their target price on shares of Trupanion from $60.00 to $45.00 and set an “overweight” rating for the company in a report on Friday. Zacks Research upgraded shares of Trupanion from a “hold” rating to a “strong-buy” rating in a research report on Tuesday, January 6th. Cantor Fitzgerald cut their price target on Trupanion from $50.00 to $42.00 and set a “neutral” rating on the stock in a research note on Wednesday, January 14th. Finally, Weiss Ratings restated a “sell (d+)” rating on shares of Trupanion in a research report on Monday, December 29th. One analyst has rated the stock with a Strong Buy rating, two have given a Buy rating, two have issued a Hold rating and one has issued a Sell rating to the company. According to MarketBeat.com, Trupanion currently has a consensus rating of “Moderate Buy” and an average price target of $45.50.

Insider Transactions at Trupanion

In other news, CFO Fawwad Qureshi sold 6,202 shares of the business’s stock in a transaction on Wednesday, November 26th. The shares were sold at an average price of $35.45, for a total value of $219,860.90. The sale was disclosed in a document filed with the Securities & Exchange Commission, which is available at the SEC website. Also, CEO Margaret Tooth sold 9,803 shares of the firm’s stock in a transaction on Tuesday, November 25th. The stock was sold at an average price of $35.31, for a total value of $346,143.93. Following the sale, the chief executive officer directly owned 151,899 shares in the company, valued at $5,363,553.69. The trade was a 6.06% decrease in their position. The SEC filing for this sale provides additional information. Insiders have sold a total of 32,853 shares of company stock valued at $1,181,863 over the last three months. 5.42% of the stock is currently owned by corporate insiders.

Hedge Funds Weigh In On Trupanion

Several institutional investors have recently modified their holdings of TRUP. Yousif Capital Management LLC lifted its stake in Trupanion by 1.8% in the second quarter. Yousif Capital Management LLC now owns 12,580 shares of the financial services provider’s stock valued at $696,000 after buying an additional 226 shares in the last quarter. Voya Investment Management LLC raised its holdings in shares of Trupanion by 2.4% during the third quarter. Voya Investment Management LLC now owns 10,379 shares of the financial services provider’s stock worth $449,000 after acquiring an additional 243 shares during the period. Bank of Montreal Can lifted its position in Trupanion by 3.5% in the 2nd quarter. Bank of Montreal Can now owns 7,280 shares of the financial services provider’s stock valued at $403,000 after acquiring an additional 245 shares in the last quarter. Thrivent Financial for Lutherans lifted its position in Trupanion by 1.1% in the 2nd quarter. Thrivent Financial for Lutherans now owns 24,853 shares of the financial services provider’s stock valued at $1,376,000 after acquiring an additional 282 shares in the last quarter. Finally, EP Wealth Advisors LLC boosted its stake in Trupanion by 2.9% in the 2nd quarter. EP Wealth Advisors LLC now owns 10,310 shares of the financial services provider’s stock worth $571,000 after purchasing an additional 292 shares during the period.

Trupanion Stock Performance

The stock has a fifty day simple moving average of $34.86 and a 200-day simple moving average of $40.10. The stock has a market cap of $1.21 billion, a P/E ratio of 62.13 and a beta of 1.58. The company has a debt-to-equity ratio of 0.31, a quick ratio of 1.71 and a current ratio of 1.71.

Trupanion Company Profile

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.