Trupanion Inc Dossier
Outlook & Key Dates
Estimates, guidance, catalysts, and upcoming events
Analyst Estimates Learn more →
5-Yr Fwd EPS Growth
10.1%projected annual EPS growth
Analyst Coverage
4analysts covering
FY Revenue (est.)
$1.6Bnext fiscal year
Monitoring Framework
Key Performance Indicators
Total Subscription Pets Enrolled Quarterly1.1MTarget: Continued growth through disciplined pet acquisition
Average Monthly Retention Rate Monthly9,835.0%Target: 98.50%
Monthly Average Revenue per Pet (ARPU) Monthly85.8Target: Pricing adjustments to match veterinary inflation
Subscription Adjusted Operating Margin Quarterly1,420.0%Target: 15.0%
Watch Items
- Veterinary Care InflationTrigger: Acceleration of veterinary invoice costs above historical 5-6% inflation baselineAction: Accelerate state-level rate filings to adjust subscription pricing and protect underwriting margins.
- Average Pet Acquisition Cost (PAC) EfficiencyTrigger: PAC rising significantly faster than subscription revenue growth (e.g., exceeding $320)Action: Re-evaluate marketing channel mix, optimize digital conversion funnels, and adjust capital allocation toward higher-IRR cohorts.
- Regulatory Capital and Reserve RequirementsTrigger: Regulatory capital buffers falling close to statutory minimums due to rapid growth or policy transitionsAction: Manage capital allocation, utilize internal dividends (such as APIC extraordinary dividends), or adjust reinsurance structures.
Research as of 20 Jun 2026