TRUP
Bearish signal
Factor checklist — research, not advice
A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.
- Insider Pulls against a bullish reading. Selling cluster — sale value, no purchase value
- Congress Unavailable or mixed. No purchase disclosures in the stored window
- Financial indicators Unavailable or mixed. Current ratio 1.07 · operating margin 1.5%
- Narrative Pulls against a bullish reading. Stored narrative reading is in the bearish band
- Timing Unavailable or mixed. No stored price series
VENTE TOTALE: 2 469 titres (~69 044,34 $ US)
- Insiders
- Tooth Margaret
- Total bought
-
—
Avg buy (VWAP, 90d window) —
- Total sold
-
$69,044
Avg sell (VWAP, 90d window) $29.22 vs last close —
- Last activity
- 2026-09-11
- Last synced
-
2026-09-17 09:54:31
Sign in to request a sync of this company's price history and timing levels.
Insider holdings as a share of total assets aren't available for this company.
Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.
Recent Form 4
Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.
| Date | Person | Side | Shares | Price | Value | Form 4 |
|---|---|---|---|---|---|---|
| 2026-09-11 | Tooth Margaret | Sell | 1,000 | $25.00 | $25,000 | Form 4 |
| 2026-08-28 | GALLAGHER JOHN R | Sell | 3,604 | $29.70 | $107,039 | Form 4 |
| 2026-08-26 | Qureshi Fawwad | Sell | 6,111 | $30.01 | $183,391 | Form 4 |
| 2026-08-25 | Tooth Margaret | Sell | 491 | $31.84 | $15,633 | Form 4 |
| 2026-08-11 | Tooth Margaret | Sell | 978 | $29.05 | $28,411 | Form 4 |
| 2026-07-28 | GALLAGHER JOHN R | Sell | 431 | $25.08 | $10,809 | Form 4 |
| 2026-06-29 | GALLAGHER JOHN R | Sell | 431 | $25.35 | $10,926 | Form 4 |
Price (1 year)
Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.
Market snapshot
Signal
Bearish signalScored 2026-09-16
TRUP shows a genuine fundamental turnaround with positive net profitability and free cash flow generation in 2025, but the weak catalyst score (25) with no identifiable near-term event driver severely limits the…
The first sentence of the analysis written for TRUP on 2026-09-16 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 28.5% | 13.9% | 11.8% | 13.5% | 14.9% | |
| Ebit Margin | 2.5% | 0.4% | -3.0% | -4.4% | -5.0% | |
| Ebitda Margin | 3.6% | 1.7% | -1.8% | -3.2% | -3.3% | |
| Operating Profit Margin | 1.5% | -0.7% | -3.7% | -4.8% | -5.0% | |
| Pretax Profit Margin | 1.5% | -0.7% | -4.1% | -4.9% | -5.0% | |
| Continuous Operations Profit Margin | 1.4% | -0.7% | -4.0% | -4.9% | -5.1% | |
| Net Profit Margin | 1.4% | -0.7% | -4.0% | -4.9% | -5.1% | |
| Bottom Line Profit Margin | 1.4% | -0.7% | -4.0% | -4.9% | -5.1% | |
| Current Ratio | 1.074 | 1.708 | 1.632 | 1.620 | 1.748 | |
| Quick Ratio | 1.074 | 1.708 | 1.632 | 1.620 | 1.748 | |
| Solvency Ratio | 0.066 | 0.014 | -0.067 | -0.092 | -0.102 | |
| Cash Ratio | 0.337 | 0.458 | 0.428 | 0.227 | 0.391 | |
| Price To Earnings Ratio | 83.044 | -209.565 | -28.250 | -43.209 | -148.348 | |
| Price To Earnings Growth Ratio | -0.281 | 2.663 | 15.537 | -1.831 | -0.325 | |
| Forward Price To Earnings Growth Ratio | -0.281 | 2.663 | 15.537 | -1.831 | -0.325 | |
| Price To Earnings Diluted Ratio | 83.044 | -209.565 | -28.250 | -43.209 | -148.348 | |
| Price To Earnings Diluted Growth Ratio | -0.281 | 2.663 | 15.537 | -1.831 | -0.325 | |
| Price To Book Ratio | 4.181 | 6.286 | 4.162 | 6.347 | 15.952 | |
| Price To Sales Ratio | 1.115 | 1.581 | 1.140 | 2.141 | 7.581 | |
| Price To Free Cash Flow Ratio | 21.303 | 52.683 | 3,531.395 | -77.231 | -1,082.164 | |
| Price To Operating Cash Flow Ratio | 17.939 | 42.083 | 67.831 | -242.197 | 710.560 | |
| Debt To Assets Ratio | 0.122 | 0.160 | 0.165 | 0.103 | 0.000 | |
| Debt To Equity Ratio | 0.291 | 0.399 | 0.425 | 0.228 | 0.000 | |
| Debt To Capital Ratio | 0.225 | 0.285 | 0.298 | 0.185 | 0.000 | |
| Long Term Debt To Capital Ratio | 0.210 | 0.283 | 0.296 | 0.183 | 0.000 | |
| Financial Leverage Ratio | 2.383 | 2.496 | 2.578 | 2.200 | 1.694 | |
| Working Capital Turnover Ratio | 10.360 | 5.526 | 5.584 | 5.221 | 3.950 | |
| Operating Cash Flow Ratio | 0.218 | 0.138 | 0.054 | -0.028 | 0.033 | |
| Operating Cash Flow Sales Ratio | 0.062 | 0.038 | 0.017 | -0.009 | 0.011 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.842 | 0.799 | 0.019 | 3.136 | -0.657 | |
| Debt Service Coverage Ratio | 2.064 | 1.346 | -1.500 | -5.491 | -2,355.500 | |
| Interest Coverage Ratio | 1.599 | -0.656 | -3.367 | -10.078 | -3,519.600 | |
| Short Term Operating Cash Flow Coverage Ratio | 8.949 | 35.768 | 13.806 | -7.253 | 0.000 | |
| Operating Cash Flow Coverage Ratio | 0.801 | 0.375 | 0.145 | -0.115 | 0.000 | |
| Capital Expenditure Coverage Ratio | 6.334 | 4.970 | 1.020 | -0.468 | 0.604 | |
| Dividend Paid And Capex Coverage Ratio | 6.334 | 4.970 | 1.020 | -0.468 | 0.604 | |
| Dividend Payout Ratio | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | |
| Enterprise Value Multiple | 30.610 | 93.812 | -60.812 | -66.927 | -224.218 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 28.5% | ▲14.6% | ▲12.0% |
| Ebit Margin | 2.5% | ▲2.1% | ▲4.4% |
| Ebitda Margin | 3.6% | ▲1.9% | ▲4.2% |
| Operating Profit Margin | 1.5% | ▲2.3% | ▲4.1% |
| Pretax Profit Margin | 1.5% | ▲2.3% | ▲4.2% |
| Continuous Operations Profit Margin | 1.4% | ▲2.1% | ▲4.0% |
| Net Profit Margin | 1.4% | ▲2.1% | ▲4.0% |
| Bottom Line Profit Margin | 1.4% | ▲2.1% | ▲4.0% |
| Current Ratio | 1.074 | ▼-0.635 | ▼-0.483 |
| Quick Ratio | 1.074 | ▼-0.635 | ▼-0.483 |
| Solvency Ratio | 0.066 | ▲0.052 | ▲0.103 |
| Cash Ratio | 0.337 | ▼-0.122 | ▼-0.031 |
| Price To Earnings Ratio | 83.044 | ▲292.610 | ▲152.310 |
| Price To Earnings Growth Ratio | -0.281 | ▼-2.944 | ▼-3.433 |
| Forward Price To Earnings Growth Ratio | -0.281 | ▼-2.944 | ▼-3.433 |
| Price To Earnings Diluted Ratio | 83.044 | ▲292.610 | ▲152.310 |
| Price To Earnings Diluted Growth Ratio | -0.281 | ▼-2.944 | ▼-3.433 |
| Price To Book Ratio | 4.181 | ▼-2.105 | ▼-3.204 |
| Price To Sales Ratio | 1.115 | ▼-0.465 | ▼-1.596 |
| Price To Free Cash Flow Ratio | 21.303 | ▼-31.381 | ▼-467.894 |
| Price To Operating Cash Flow Ratio | 17.939 | ▼-24.143 | ▼-101.304 |
| Debt To Assets Ratio | 0.122 | ▼-0.038 | ▲0.012 |
| Debt To Equity Ratio | 0.291 | ▼-0.107 | ▲0.023 |
| Debt To Capital Ratio | 0.226 | ▼-0.060 | ▲0.027 |
| Long Term Debt To Capital Ratio | 0.210 | ▼-0.073 | ▲0.015 |
| Financial Leverage Ratio | 2.383 | ▼-0.113 | ▲0.113 |
| Working Capital Turnover Ratio | 10.360 | ▲4.834 | ▲4.232 |
| Operating Cash Flow Ratio | 0.218 | ▲0.080 | ▲0.135 |
| Operating Cash Flow Sales Ratio | 0.062 | ▲0.025 | ▲0.038 |
| Free Cash Flow Operating Cash Flow Ratio | 0.842 | ▲0.043 | ▲0.014 |
| Debt Service Coverage Ratio | 2.064 | ▲0.718 | ▲473.880 |
| Interest Coverage Ratio | 1.599 | ▲2.255 | ▲708.019 |
| Short Term Operating Cash Flow Coverage Ratio | 8.949 | ▼-26.819 | ▼-1.305 |
| Operating Cash Flow Coverage Ratio | 0.800 | ▲0.426 | ▲0.560 |
| Capital Expenditure Coverage Ratio | 6.334 | ▲1.364 | ▲3.842 |
| Dividend Paid And Capex Coverage Ratio | 6.334 | ▲1.364 | ▲3.842 |
| Dividend Payout Ratio | 0.000 | 0.000 | 0.000 |
| Enterprise Value Multiple | 30.610 | ▼-63.203 | ▲76.117 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $1.61B | $2.03B | $1.26B | $1.94B | $5.30B | |
| Enterprise value | $1.58B | $2.00B | $1.25B | $1.94B | $5.21B | |
| EV / Sales | 1.10x | 1.56x | 1.12x | 2.15x | 7.46x | |
| EV / Op. cash flow | 17.65x | 41.43x | 66.83x | -242.68x | 698.84x | |
| EV / Free cash flow | 20.95x | 51.87x | 3479.52x | -77.39x | -1064.32x | |
| EV / EBITDA | 30.61x | 93.81x | -60.81x | -66.93x | -224.22x | |
| Net debt / EBITDA | -0.51x | -1.47x | 0.91x | -0.13x | 3.76x | |
| Current ratio | 1.07x | 1.71x | 1.63x | 1.62x | 1.75x | |
| Income quality | 4.61x | -5.01x | -0.42x | 0.18x | -0.21x | |
| Graham number | $10 | — | — | — | — | |
| Graham net-net | $2 | $1 | -$0 | $1 | $3 | |
| Tax burden | 88.4% | 99.9% | 99.2% | 101.1% | 100.9% | |
| Interest burden | 61.5% | -198.3% | 136.6% | 110.7% | 100.0% | |
| Working capital | $30.2M | $247.7M | $217.6M | $179.5M | $167.3M | |
| Invested capital | $198.5M | $400.0M | $383.7M | $336.2M | $300.6M | |
| Return on assets | 2.1% | -1.2% | -5.7% | -6.7% | -6.3% | |
| Operating ROA | 2.6% | -1.2% | -5.6% | -7.0% | -6.6% | |
| Return on tangible assets | 2.3% | -1.3% | -6.2% | -7.4% | -7.0% | |
| Return on equity | 5.1% | -3.0% | -14.7% | -14.6% | -10.7% | |
| Return on invested capital | 3.8% | -2.1% | -9.2% | -11.2% | -10.4% | |
| Return on capital employed | 4.4% | -2.1% | -9.3% | -11.3% | -10.4% | |
| Earnings yield | 1.2% | -0.5% | -3.5% | -2.3% | -0.7% | |
| Free cash flow yield | 4.7% | 1.9% | 0.0% | -1.3% | -0.1% | |
| Capex / Op. cash flow | 15.8% | 20.1% | 98.1% | -213.6% | 165.7% | |
| Capex / Depreciation | 89.2% | 59.0% | 146.5% | 156.5% | 103.3% | |
| Capex / Sales | 1.0% | 0.8% | 1.6% | 1.9% | 1.8% | |
| SG&A / Sales | 11.3% | 5.0% | 5.4% | 4.4% | 4.6% | |
| R&D / Sales | 2.6% | 2.4% | 1.9% | 2.8% | 2.4% | |
| Stock comp / Sales | 2.7% | 2.6% | 3.0% | 3.7% | 4.0% | |
| Intangibles / Total assets | 6.9% | 6.2% | 8.0% | 9.8% | 9.8% | |
| Days sales outstanding | 77d | 78d | 88d | 94d | 86d | |
| Days payables outstanding | 6d | 4d | 4d | 4d | 5d | |
| Operating cycle | 77d | 78d | 88d | 94d | 86d | |
| Cash conversion cycle | 71d | 74d | 84d | 89d | 81d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Valuation
Market cap ▼-21.0%EV / Sales ▼-29.5%EV / EBITDA ▼-67.4%EV / Op. cash flow ▼-23.786Earnings yield ▲+0.017
Profitability
Return on equity ▲+0.080Return on assets ▲+0.033Return on invested capital ▲+0.058Return on capital employed ▲+0.064Operating ROA ▲+0.038Income quality ▲+9.618Tax burden ▼-0.116
Efficiency
Days sales outstanding ▼-1.225Days payables outstanding ▲+2.031Operating cycle ▼-1.225Cash conversion cycle ▼-3.255Capex / Sales ▲+0.002R&D / Sales ▲+0.002
Balance-sheet strength
Current ratio ▼-0.635Net debt / EBITDA ▲+0.964Working capital ▼-217542000.000Invested capital ▼-201553000.000Intangibles / Total assets ▲+0.007
Change over 5 years
Valuation
Market cap ▼-69.7%EV / Sales ▼-85.3%EV / EBITDA ▲+113.7%EV / Op. cash flow ▼-681.195Earnings yield ▲+0.019
Profitability
Return on equity ▲+0.158Return on assets ▲+0.084Return on invested capital ▲+0.142Return on capital employed ▲+0.147Operating ROA ▲+0.092Income quality ▲+4.815Tax burden ▼-0.125
Efficiency
Days sales outstanding ▼-9.702Days payables outstanding ▲+0.339Operating cycle ▼-9.702Cash conversion cycle ▼-10.040Capex / Sales ▼-0.008R&D / Sales ▲+0.002
Balance-sheet strength
Current ratio ▼-0.674Net debt / EBITDA ▼-4.269Working capital ▼-137099000.000Invested capital ▼-102093000.000Intangibles / Total assets ▼-0.029
Employee count
Peer market caps
Congressional trades
STOCK Act disclosures (90-day window)
Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.
No STOCK Act disclosures for this company in this window.
Recent trades
| Date | Representative | Type | Amount |
|---|---|---|---|
| 2021-12-10 | Brad Schneider | Sale (Partial) | $50,001 - $100,000 |
| 2021-12-10 | Brad Schneider | Exchange | $50,001 - $100,000 |
| 2021-12-07 | Brad Schneider | Sale (Full) | $15,001 - $50,000 |
| 2021-07-16 | Marie Newman | Sale (Full) | $1,001 - $15,000 |
| 2021-05-21 | Marie Newman | Sale (Full) | $1,001 - $15,000 |
| 2021-02-08 | Brad Schneider | Sale (Partial) | $50,001 - $100,000 |
| 2020-12-17 | Brad Schneider | Sale (Partial) | $100,001 - $250,000 |
| 2020-12-17 | Brad Schneider | Sale (Partial) | $100,001 - $250,000 |
| 2020-08-12 | Brad Schneider | Sale (Partial) | $250,001 - $500,000 |
| 2020-08-12 | Brad Schneider | Sale (Partial) | $250,001 - $500,000 |
| 2020-08-12 | Brad Schneider | Sale (Partial) | $250,001 - $500,000 |
| 2018-10-30 | Brad Schneider | Sale (Partial) | $50,001 - $100,000 |
| 2018-10-10 | Brad Schneider | Sale (Partial) | $50,001 - $100,000 |
Recent news
- 2026-09-10 Trupanion Searches for this Year''s “It Pets” With Return of Annual truFame Contest SEATTLE, Sept. 10, 2026 (GLOBE NEWSWIRE) -- The search is on for Trupanion''s next four-legged stars.
- 2026-08-14 Trupanion: Profitable At Last, But Still Too Expensive To Buy (Upgrade) Trupanion''s estimated economic combined ratio improved to 98.5% in H1 2026, extending the underwriting profitability first achieved in 2025. Operating leverage and lower acquisition costs drove much of the improvement, while the H1 loss ratio also declined to 71.0% from 72.1%. Management''s 2026 guidance could imply $32–$40 million of net income, providing stronger evidence that scale is finally translating into profitability.
- 2026-08-14 California State Teachers Retirement System Buys 16,930 Shares of Trupanion, Inc. $TRUP California State Teachers Retirement System grew its stake in Trupanion, Inc. (NASDAQ: TRUP) by 54.0% during the first quarter, according to the company in its most recent filing with the Securities and Exchange Commission. The institutional investor owned 48,288 shares of the financial services provider''s stock after purchasing an additional 16,930 shares during
- 2026-08-13 Trupanion Partners with Home To Home® to Help More Pets Transition Directly from One Loving Home to Another SEATTLE, Aug. 13, 2026 (GLOBE NEWSWIRE) -- Every pet deserves the opportunity to live a happy, healthy life in a loving home. But when life takes an unexpected turn, some families are faced with the heartbreaking decision to find a new home for a beloved companion.
- 2026-08-11 4 Accident & Health Insurers to Watch Amid Elevated Healthcare Costs Accident and Health Insurance stocks like AFL, GL, TRUP and EIG are set to gain from rising underwriting exposure and accelerated digitalization. However, pricing pressure is a concern given rising medical costs and inflation.
- 2026-08-08 Dimensional Fund Advisors LP Boosts Stock Holdings in Trupanion, Inc. $TRUP Dimensional Fund Advisors LP grew its position in shares of Trupanion, Inc. (NASDAQ: TRUP) by 15.7% during the first quarter, according to its most recent filing with the Securities and Exchange Commission (SEC). The fund owned 702,086 shares of the financial services provider''s stock after buying an additional 95,064 shares during the period.
- 2026-08-07 Should You Buy, Sell or Hold Trupanion Stock Post Q2 Earnings? Trupanion''s Q2 earnings beat estimates as revenue rose 11%, while premium valuation and muted analyst sentiment support a wait-and-see approach.
- 2026-08-06 Trupanion, Inc. (TRUP) Q2 2026 Earnings Call Transcript Trupanion, Inc. (TRUP) Q2 2026 Earnings Call Transcript
- 2026-08-06 Trupanion Q2 Earnings Call Highlights Trupanion NASDAQ: TRUP reported higher second-quarter revenue and adjusted operating income as the pet insurer benefited from increased subscription revenue, improved enrollment conversion and stable retention. The company also announced a $100 million share repurchase authorization and narrowed its full-year adjusted operating income outlook.
- 2026-08-05 Compared to Estimates, Trupanion (TRUP) Q2 Earnings: A Look at Key Metrics While the top- and bottom-line numbers for Trupanion (TRUP) give a sense of how the business performed in the quarter ended June 2026, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values.