TRUP Earnings
Thursday, Apr 30 2026
EPS Estimate
$0.88
$0.88 – $0.88
Revenue Estimate
$380M
Current Price
$27.91
Our Position
bullish · highPet insurance exits losses, targets $1.58B in revenue
structured data
est. revisions stable
Trupanion has proven the pet insurance model scales profitably at B2C scale. The shift from losses to double-digit adjusted margins while growing the subscriber base 5% demonstrates pricing power and efficient customer acquisition. This is the inflection moment — the market had been pricing in perpetual losses. Now the question shifts from "can they be profitable?" to "how much margin can they sustain at higher scale?" The 2026 guidance implies confidence in protecting margins even as revenue grows 10%+ more.
Watch: Watch Q1 2026 results for proof that profitability sticks in an inflationary environment and veterinary cost trends don't reverse gains. Pet healthcare inflation has been a headwind industry-wide — if claims inflation accelerates, margin expansion could stall. Also monitor retention rates and cohort economics as the company scales to confirm unit economics don't deteriorate.
Data Signal Summary
1 bullish
2 bearish
Estimates up +6%
Insider selling cluster
Price downtrend
Key Context
Analyst Consensus
mixed
Insider Activity
selling
Price Trend
downtrend
From 52w High
-3.4%
P/E Ratio
64.2
Est. Revisions (30d)
+6.0% 1up/0dn
Analyst Target (mean)
$42 $31–$59 +51%
Options P/C Ratio
1.07
Est. Dispersion
0% 1 analysts
Insider Cluster
strong sell
Fund Convergence
strong Citadel, D.E. Shaw, Two Sigma, Bridgewater, Renaissance
Recent Activity
insider trades
124 transactions
Other
·
QURESHI FAWWAD (Chief Financial Officer)
·15,913 shares
Sell
·
DREYER EMILY (Officer)
·7,792 shares
·$219,320
Sell
·
GALLAGHER JOHN R (Chief Operating Officer)
·5,283 shares
·$140,080
Sell
·
QURESHI FAWWAD (Chief Financial Officer)
·2,837 shares
·$75,075
Other
·
BEARMAN ASHER (Officer)
·305 shares
119 more
Sell
·
WEINRAUCH STEVE A
·85 shr
·$2,270
Other
·
WEINRAUCH STEVE A
·925 shr
Other
·
RAWLINGS DARRYL G
·946 shr
Other
·
TOOTH MARGARET R
·4,516 shr
Other
·
DREYER EMILY
·1,825 shr
Other
·
GALLAGHER JOHN R
·1,260 shr
Other
·
MCGIBNEY BRENNA
·646 shr
Other
·
WHEELER SIMON
·322 shr
Sell
·
QURESHI FAWWAD
·4,645 shr
·$118,958
Other
·
QURESHI FAWWAD
·3,750 shr
Other
·
POWELL BRADLEY S
·638 shr
Other
·
BEARMAN ASHER
·1,627 shr
Other
·
WEINRAUCH STEVE A
·4,961 shr
Other
·
RAWLINGS DARRYL G
·6,563 shr
Other
·
RUBIN HOWARD
·318 shr
Other
·
TOOTH MARGARET R
·15,855 shr
Other
·
DREYER EMILY
·3,589 shr
Other
·
GALLAGHER JOHN R
·6,761 shr
Other
·
MCGIBNEY BRENNA
·4,486 shr
Other
·
WHEELER SIMON
·2,991 shr
Other
·
QURESHI FAWWAD
·6,474 shr
Sell
·
GALLAGHER JOHN R
·430 shr
·$13,618
Exercise
·
LOW MURRAY B
·23,213 shr
·$198,935
Sell
·
GALLAGHER JOHN R
·430 shr
·$16,146
Sell
·
TOOTH MARGARET R
·9,605 shr
·$363,850
Exercise
·
TOOTH MARGARET R
·8,000 shr
·$71,440
Sell
·
GALLAGHER JOHN R
·6,383 shr
·$222,283
Sell
·
QURESHI FAWWAD
·6,202 shr
·$219,837
Sell
·
TOOTH MARGARET R
·9,803 shr
·$346,144
Exercise
·
TOOTH MARGARET R
·12,516 shr
·$71,440
Other
·
MCGIBNEY BRENNA
·647 shr
Other
·
WHEELER SIMON
·1,296 shr
Other
·
POWELL BRADLEY S
·629 shr
Other
·
WEINRAUCH STEVE A
·4,960 shr
Other
·
RAWLINGS DARRYL G
·6,562 shr
Other
·
TOOTH MARGARET R
·15,854 shr
Other
·
DREYER EMILY
·3,590 shr
Other
·
GALLAGHER JOHN R
·9,358 shr
Other
·
MCGIBNEY BRENNA
·4,485 shr
Other
·
WHEELER SIMON
·2,990 shr
Other
·
QURESHI FAWWAD
·6,472 shr
Exercise
·
RAWLINGS DARRYL G
·2,000 shr
·$29,900
Sell
·
TOOTH MARGARET R
·8,884 shr
·$388,493
Exercise
·
TOOTH MARGARET R
·6,000 shr
·$53,580
Sell
·
TOOTH MARGARET R
·8,961 shr
·$375,318
Sell
·
RAWLINGS DARRYL G
·50,000 shr
·$2,236,726
Sell
·
QURESHI FAWWAD
·6,451 shr
·$291,294
Sell
·
QURESHI FAWWAD
·2,800 shr
·$127,574
Other
·
WEINRAUCH STEVE A
·924 shr
Other
·
RAWLINGS DARRYL G
·15,016 shr
Other
·
TOOTH MARGARET R
·4,515 shr
Other
·
DREYER EMILY
·1,824 shr
Other
·
GALLAGHER JOHN R
·1,259 shr
Other
·
RUBIN HOWARD
·641 shr
Other
·
TOOTH MARGARET R
·24,983 shr
Other
·
GALLAGHER JOHN R
·5,897 shr
Sell
·
TOOTH MARGARET R
·200 shr
·$9,714
Exercise
·
TOOTH MARGARET R
·200 shr
·$1,556
Sell
·
MCGIBNEY BRENNA
·2,390 shr
·$107,956
Sell
·
GALLAGHER JOHN R
·4,000 shr
·$191,600
Sell
·
QURESHI FAWWAD
·2,534 shr
·$122,406
Sell
·
QURESHI FAWWAD
·828 shr
·$37,699
Other
·
MCGIBNEY BRENNA
·648 shr
Other
·
WHEELER SIMON
·1,295 shr
Other
·
TOOTH MARGARET R
·12,812 shr
Other
·
WHEELER SIMON
·2,989 shr
Sell
·
TOOTH MARGARET R
·4,000 shr
·$183,434
Exercise
·
TOOTH MARGARET R
·4,000 shr
·$35,720
Sell
·
MCGIBNEY BRENNA
·2,421 shr
·$110,906
Other
·
RUBIN HOWARD
·163 shr
Sell
·
TOOTH MARGARET R
·4,000 shr
·$133,373
Sell
·
TOOTH MARGARET R
·4,000 shr
·$148,700
Sell
·
DREYER EMILY
·14,025 shr
·$454,590
Exercise
·
DREYER EMILY
·10,654 shr
·$172,872
Sell
·
GALLAGHER JOHN R
·3,100 shr
·$102,280
Sell
·
MCGIBNEY BRENNA
·5,000 shr
·$164,926
Sell
·
TOOTH MARGARET R
·2,294 shr
·$72,009
Sell
·
QURESHI FAWWAD
·2,416 shr
·$81,864
Other
·
TOOTH MARGARET R
·8,790 shr
Sell
·
QURESHI FAWWAD
·1,373 shr
·$46,977
Other
·
WEINRAUCH STEVE A
·2,095 shr
Other
·
RAWLINGS DARRYL G
·3,684 shr
Other
·
TOOTH MARGARET R
·7,442 shr
Other
·
DREYER EMILY
·2,648 shr
Other
·
GALLAGHER JOHN R
·2,095 shr
Other
·
WASDIN JASON
·202 shr
Other
·
HEWITT MELISSA JOY
·836 shr
Other
·
WEINRAUCH STEVE A
·2,029 shr
Other
·
RAWLINGS DARRYL G
·7,500 shr
Other
·
TOOTH MARGARET R
·7,500 shr
Other
·
KEARNS CHRISTOPHER
·12,794 shr
Other
·
DREYER EMILY
·2,249 shr
Other
·
GALLAGHER JOHN R
·2,570 shr
Other
·
WASDIN JASON
·467 shr
Other
·
MCGIBNEY BRENNA
·6,354 shr
Other
·
HEWITT MELISSA JOY
·692 shr
Other
·
WHEELER SIMON
·5,275 shr
Other
·
QURESHI FAWWAD
·2,163 shr
Other
·
RUBIN HOWARD
·1,137 shr
Sell
·
LOW MURRAY B
·192 shr
·$9,600
Other
·
MCLAUGHLIN ELIZABETH
·3,163 shr
Other
·
BRODEN MAX
·3,163 shr
Other
·
DAVIDSON JACQUELINE L.
·2,108 shr
Other
·
DODSON PAULETTE R. J.D.
·2,108 shr
Sell
·
QURESHI FAWWAD
·9,867 shr
·$523,789
Sell
·
QURESHI FAWWAD
·622 shr
·$32,723
Other
·
WEINRAUCH STEVE A
·4,121 shr
Other
·
WORRA TRAVIS
·555 shr
Sell
·
DREYER EMILY
·4,000 shr
·$219,133
Other
·
DREYER EMILY
·4,896 shr
Other
·
RAWLINGS DARRYL G
·9,934 shr
Other
·
TOOTH MARGARET R
·13,693 shr
Other
·
GALLAGHER JOHN R
·4,664 shr
Other
·
WASDIN JASON
·667 shr
Other
·
RAVAL KALPESH
·683 shr
Sell
·
GALLAGHER JOHN R
·430 shr
·$10,952
Other
·
MCGIBNEY BRENNA
·1,999 shr
Other
·
HEWITT MELISSA JOY
·1,527 shr
Other
·
WHEELER SIMON
·2,862 shr
analyst ratings
1 rating
B of A Securities
→Buy
7d ago
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