Trupanion Inc Dossier
Financial Snapshot
Revenue, profitability, returns, debt, and capital allocation
Revenue $1.5B+18.3% YoYTTM through 30 Jun 2026
Net Income $23.2MTTM through 30 Jun 2026
Free Cash Flow $82.2MTTM through 30 Jun 2026
Margins
| Current | |
|---|---|
| Operating Margin | 1.0% |
| Net Margin | 1.5% |
Returns
5.1%ROE
2.1%ROA
6.3%ROIC
Balance Sheet Health
Debt / Equity0.29x
Current Ratio1.69x
Net Debt-$258.9Mnet cash position
Cash & Equivalents$149.4M
Quality Metrics
Altman Z-Score3.02
Piotroski F-Score7 / 9
FCF Margin5.4%
Rule of 409.8
Earnings-Beat Rate25.0%
Multi-Year Trend
RevenueFY2025: $1.4B
Dividend
No dividend
Capital Allocation
Capex Intensity0.8%
Segment Performance
| Segment | Revenue | YoY | Outlook |
|---|---|---|---|
| Subscription Business | $989.3M | +15.5% | View detailsThe company expects subscription revenue to be between $1.117 billion and $1.137 billion for the full year 2026. |
| Other Business | $450M | +4.8% | View detailsGrowth is expected to continue to decelerate as the company is no longer enrolling new pets in the majority of U.S. states for its largest partner in this segment. |
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