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TRUPANION, INC.

TRUP

$26.98 ▼ -1.17 (-4.16%) at close

15 Visible periods

31 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Fair

Neutral

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Analytical Summary

TRUPANION, INC. shows mixed fundamentals. Consider comparing against peers in the Healthcare sector before making investment decisions.

Market Cap $1.2B

Dividend Yield —

Revenue Growth 11.9% ↘

Op. Margin 1.0% ↗

ROIC 2.5% ↗

FCF / Share $1.75 ↗

Trailing P/E 60.0x

Price / Book 3.1x

FCF Yield 6.5%

Debt / Equity 0.27

info Valuation on last close. End-of-day price, Aug 7, 2026.

15-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$1.44B

↑ +11.9% —

Net Income Profit after all expenses

$19.43M

↑ +301.7% —

Operating Margin Operating profit as % of sales

1.0%

↑ +229.9% 31th

FCF / Share Free cash flow per share

$1.75

↑ +91.7% —

Long-Term Debt Long-term obligations

$101.78M

↓ -20.2% —

Health Breakdown

Profitability

Returns

Financial Health

Cash Quality ↑

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📈 Is growth accelerating? 6 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗
Revenue Growth YoY (%)	11.9% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+49%)	16.0% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+100%)	22.5% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+181%)	29.5% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+269%)	39.2% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+390%)	30.8% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+284%)	26.3% Excellent → Excellent Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+229%)	25.3% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+216%)	28.9% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+262%)	28.1% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+251%)	26.8% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+235%)	38.3% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+378%)	51.0% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+537%)	—	—
EPS Growth YoY (%)	N/M	78.7% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	1.8% Caution Caution Year-over-year change in earnings per share Optimal: > 10%	-23.6% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—	—	—	—	—	—	—	—	—	—
Net Income Growth YoY (%)	N/M	78.4% Excellent ↑ Excellent Improving Year-over-year change in net income	-0.0% Weak ↑ Weak Improving Year-over-year change in net income	-25.7% Weak ↑ Weak Improving Year-over-year change in net income	-508.4% Weak ↓ Weak Declining Year-over-year change in net income	-222.8% Weak ↓ Weak Declining Year-over-year change in net income	-95.1% Weak ↓ Weak Declining Year-over-year change in net income	38.3% Excellent ↓ Excellent Declining Year-over-year change in net income	78.2% Excellent ↑ Excellent Improving Year-over-year change in net income	59.9% Excellent ↑ Excellent Improving Year-over-year change in net income	18.8% Good ↑ Good Improving Year-over-year change in net income	-159.0% Weak Weak Year-over-year change in net income	-27.5% Weak Weak Year-over-year change in net income	—	—
FCF Growth YoY (%)	91.7% Excellent ↓ Excellent Declining Year-over-year change in free cash flow	10489.5% Excellent Excellent Year-over-year change in free cash flow	N/M	-404.4% Weak Weak Year-over-year change in free cash flow	—	—	—	—	—	—	—	—	—	—	—
Revenue CAGR 3Y (%)	16.7% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	22.5% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	30.2% Excellent → Excellent Stable Compound annual revenue growth over 3 years	33.1% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	32.0% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	27.4% Excellent → Excellent Stable Compound annual revenue growth over 3 years	26.8% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	27.4% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	27.9% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	30.9% Excellent Excellent Compound annual revenue growth over 3 years	38.3% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	23.4% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	27.3% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	29.5% Excellent → Excellent Stable Compound annual revenue growth over 5 years	30.1% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	30.0% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	27.9% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	27.1% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	29.4% Excellent Excellent Compound annual revenue growth over 5 years	34.3% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗
Operating Margin (%) (%)	1.0% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-94%)	-0.7% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-105%)	-3.7% Weak → Weak Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-124%)	-4.8% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-132%)	-5.0% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-134%)	-1.0% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-107%)	-0.5% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-103%)	-0.3% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-102%)	-1.1% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-107%)	-3.6% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-124%)	-11.4% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-176%)	-13.8% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-192%)	-8.3% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-156%)	-10.0% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-166%)	—
Effective Tax Rate (%) (%)	11.6% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	0.1% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	0.8% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-1.1% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-0.9% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-2.0% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	-10.3% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	0.7% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.2% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-0.6% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	-0.7% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—
Profit Margin (%) (%)	1.4% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-89%)	-0.7% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-106%)	-4.0% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-134%)	-4.9% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-141%)	-5.1% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-142%)	-1.2% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-110%)	-0.5% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-104%)	-0.3% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-103%)	-0.6% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-105%)	-3.7% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-131%)	-11.7% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-198%)	-18.3% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-252%)	-9.8% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-181%)	-11.5% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-196%)	—
FCF Margin (%) (%)	5.2% Caution ↑ Caution Improving Free cash flow as a percentage of revenue Optimal: > 10%	3.0% Weak ↑ Weak Improving Free cash flow as a percentage of revenue Optimal: > 10%	0.0% Weak ↑ Weak Improving Free cash flow as a percentage of revenue Optimal: > 10%	-2.8% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	-0.7% Weak ↑ Weak Improving Free cash flow as a percentage of revenue Optimal: > 10%	2.8% Weak ↑ Weak Improving Free cash flow as a percentage of revenue Optimal: > 10%	2.8% Weak ↑ Weak Improving Free cash flow as a percentage of revenue Optimal: > 10%	-14.6% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	2.7% Weak ↑ Weak Improving Free cash flow as a percentage of revenue Optimal: > 10%	1.6% Weak ↑ Weak Improving Free cash flow as a percentage of revenue Optimal: > 10%	-10.4% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	-14.2% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	-3.0% Weak Weak Free cash flow as a percentage of revenue Optimal: > 10%	-6.5% Weak Weak Free cash flow as a percentage of revenue Optimal: > 10%	—
FCF / Net Income (x)	3.88x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	-4.00x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	-0.01x Weak ↑ Weak Improving Free cash flow relative to reported net income Optimal: > 1x	0.56x Weak ↑ Weak Improving Free cash flow relative to reported net income Optimal: > 1x	0.14x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	-2.41x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	-5.96x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	47.74x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	-4.35x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	-0.44x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	0.89x Caution ↑ Caution Improving Free cash flow relative to reported net income Optimal: > 1x	0.78x Caution ↑ Caution Improving Free cash flow relative to reported net income Optimal: > 1x	0.31x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	0.56x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	—

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗
Return on Invested Capital (%)	2.5% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-2.1% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-9.4% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-11.6% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-10.7% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-1.5% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-1.3% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-0.7% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-3.6% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-13.6% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-37.2% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-17.0% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	70.8% Excellent Excellent Return earned on debt + equity capital invested Optimal: > 10%	16.2% Excellent Excellent Return earned on debt + equity capital invested Optimal: > 10%	—
Return on Capital (%) (%)	1.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-5.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-6.4% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-6.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-1.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-0.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-0.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-2.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-8.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-23.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-16.2% Weak Weak Operating profit relative to total assets Optimal: > 10%	-13.5% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	5.1% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-66%)	-3.0% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-120%)	-14.7% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-198%)	-14.6% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-198%)	-10.7% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-171%)	-1.7% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-111%)	-1.3% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-109%)	-0.7% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-105%)	-3.1% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-121%)	-15.4% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-203%)	-37.9% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-353%)	-35.7% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-338%)	24.8% Excellent Excellent Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+65%)	23.7% Excellent Excellent Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+58%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗
Debt to Equity (x)	0.27x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-56%)	0.39x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-34%)	0.42x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-30%)	0.22x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-63%)	0.00x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	0.00x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	0.19x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-68%)	0.10x Excellent → Excellent Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-83%)	0.19x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-68%)	0.11x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-82%)	0.00x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	0.25x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-58%)	-0.79x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-232%)	—	—
Interest Coverage (x)	1.01x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-0.66x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-3.37x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-10.08x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-3519.60x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	-3.57x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	-1.42x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-0.87x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-4.96x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-30.72x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	-51.62x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	-2.37x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-11.47x Weak Weak Operating income divided by interest expense Optimal: > 5x	-10.35x Weak Weak Operating income divided by interest expense Optimal: > 5x	—
Net Debt (USD)	$-36.24M	$-32.76M	$-19.92M	$2.75M	$-87.40M	$-139.88M	$-3.08M	$-13.69M	$-16.38M	$-18.87M	$-17.96M	$-38.20M	$11.16M	$-4.23M	$-8.09M
Debt / EBITDA (x)	3.43x Caution ↓ Caution Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	18.35x Weak ↑ Weak Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	-4.53x Excellent ↓ Excellent Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	-2.13x Excellent ↓ Excellent Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	0.00x Excellent ↓ Excellent Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	0.00x Excellent ↓ Excellent Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	7.03x Weak ↑ Weak Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	3.71x Caution ↑ Caution Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	5.86x Weak ↑ Weak Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	-1.67x Excellent ↑ Excellent Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	0.00x Excellent ↑ Excellent Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	-1.04x Excellent Excellent Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	-4.29x Excellent Excellent Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	—	—

📊 What does each share earn? 6 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗
Revenue per Share (USD)	$33.50	$30.50	$26.75	$22.20	$17.41	—	—	—	—	—	—	—	—	—	—
Basic EPS, GAAP (USD)	$0.45	$-0.23	$-1.08	$-1.10	$-0.89	—	—	—	—	—	—	—	—	—	—
Free Cash Flow per Share (USD)	$1.75	$0.91	$0.01	$-0.62	$-0.12	—	—	—	—	—	—	—	—	—	—
Book Value per Share (USD)	$8.85	$7.61	$7.26	$7.44	$8.21	$8.62	—	—	$1.61	$1.52	—	$2.13	—	—	—
Tangible Book Value per Share (USD)	$7.38	$6.43	$5.76	$5.83	$6.84	$7.09	—	—	$1.44	$1.35	—	$1.96	—	—	—
Basic Weighted Avg Shares (shares)	42.96M	42.16M	41.44M	40.77M	40.14M	—	—	—	—	—	—	—	—	—	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗
Working Capital (USD)	$281.25M	$247.70M	$217.62M	$179.48M	$167.26M	$186.63M	$67.20M	$54.77M	$40.69M	$34.73M	$30.02M	$62.11M	$13.71M	—	—
LT Debt (USD)	$101.78M	$127.54M	$127.58M	$68.35M	$0.00	$0.00	$26.09M	$12.86M	$9.32M	$4.77M	$0.00	$14.90M	$25.20M	—	—
Total Equity (USD)	$383.94M	$323.27M	$303.72M	$305.30M	$332.20M	$339.94M	$136.76M	$129.17M	$48.43M	$44.72M	$45.36M	$59.27M	$-33.00M	$-27.07M	$-18.67M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗
Sales/Revenue/Turnover (USD)	$1.44B	$1.29B	$1.11B	$905.18M	$698.99M	$502.03M	$383.94M	$303.96M	$242.67M	$188.23M	$146.96M	$115.91M	$83.83M	$55.53M	—
Depreciation Expense (USD)	$15.84M	$16.47M	$12.47M	$10.92M	$11.96M	$7.07M	$5.63M	$4.51M	$4.23M	$3.85M	$2.54M	$1.60M	$900.00K	$300.00K	—
Net Income, GAAP (USD)	$19.43M	$-9.63M	$-44.69M	$-44.67M	$-35.53M	$-5.84M	$-1.81M	$-927.00K	$-1.50M	$-6.90M	$-17.20M	$-21.18M	$-8.18M	$-6.41M	—
Operating Cash Flow (USD)	$89.49M	$48.29M	$18.64M	$-8.00M	$7.46M	$21.54M	$16.16M	$12.68M	$9.67M	$5.01M	$-10.43M	$-10.80M	$-1.02M	$-1.54M	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 15 years · 55 quarters

TRUPANION, INC.

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