Trupanion, Inc. (NASDAQ:TRUP) Receives Consensus Rating of “Hold” from Brokerages

Trupanion, Inc. (NASDAQ:TRUP) has received an average rating of “Hold” from the six analysts that are covering the company, MarketBeat Ratings reports. One research analyst has rated the stock with a sell recommendation, three have assigned a hold recommendation and two have assigned a buy recommendation to the company. The average 12 month target price among brokers that have updated their coverage on the stock in the last year is $42.25.

A number of brokerages have weighed in on TRUP. Zacks Research cut shares of Trupanion from a “strong-buy” rating to a “hold” rating in a report on Friday, February 13th. Piper Sandler lowered their price objective on shares of Trupanion from $60.00 to $45.00 and set an “overweight” rating for the company in a research report on Friday, February 13th. Stifel Nicolaus dropped their price objective on shares of Trupanion from $35.00 to $31.00 and set a “hold” rating on the stock in a research note on Tuesday, March 31st. Cantor Fitzgerald cut their target price on shares of Trupanion from $42.00 to $34.00 and set a “neutral” rating on the stock in a report on Thursday, April 9th. Finally, Bank of America decreased their target price on Trupanion from $63.00 to $59.00 and set a “buy” rating for the company in a research note on Tuesday, April 14th.

Key Trupanion News

Here are the key news stories impacting Trupanion this week:

• Positive Sentiment: Q1 earnings and revenue beat expectations: TRUP posted $0.11 EPS vs. $0.07 consensus and revenue of $384.05M (vs. ~$379.8M est.), with revenue +12.3% YoY — a clear growth print that supports the rally. Zacks: TRUP Q1 beat
• Positive Sentiment: Secular demand thesis reiterated by management: CEO commentary highlighted widening gap in veterinary costs and pet-owners’ planning needs — a tailwind for insurance adoption and pricing leverage over time. Press release
• Positive Sentiment: Institutional accumulation noted in filings and newsfeeds (Millennium, Goldman, Two Sigma increases), which can provide support to the share price. MarketBeat: institutional flows
• Neutral Sentiment: Company issued Q2 revenue guidance of ~$386M–$392M (consensus ~389.1M) and FY revenue around $1.6B, but EPS guidance was not clearly specified in releases — the revenue ranges are roughly in line with Street estimates, leaving room for interpretation on near-term profitability. (Company guidance entry)
• Neutral Sentiment: Management held an earnings call/transcript is available for detail on margin drivers and cadence; investors will watch commentary on loss ratios, customer acquisition efficiency and vet-direct pay adoption for signals on margin recovery. Earnings call transcript
• Negative Sentiment: Analysts and coverage show rising concern on growth-efficiency tradeoffs and some price-target cuts; media pieces flagged mounting efficiency questions, which could pressure sentiment if management cannot show margin improvement. Investing.com: efficiency concerns
• Negative Sentiment: Profitability remains thin: reported net margin ~1.35% and ROE ~5.4% despite revenue growth — investors focused on whether scale will convert to meaningful margin expansion. MarketBeat: Q1 metrics
• Negative Sentiment: Small insider sale: COO sold 431 shares (minor), which is typically not material but will be noted by some investors. InsiderTrades: COO sale

Trupanion Price Performance

Shares of NASDAQ TRUP opened at $24.33 on Friday. The company has a current ratio of 1.69, a quick ratio of 1.69 and a debt-to-equity ratio of 0.27. The company has a market capitalization of $1.06 billion, a price-to-earnings ratio of 54.07 and a beta of 1.50. Trupanion has a twelve month low of $23.80 and a twelve month high of $57.88. The business has a 50 day simple moving average of $26.31 and a 200-day simple moving average of $32.95.

Trupanion (NASDAQ:TRUP) last announced its quarterly earnings data on Thursday, April 30th. The financial services provider reported $0.11 earnings per share (EPS) for the quarter, topping the consensus estimate of $0.07 by $0.04. The firm had revenue of $384.05 million for the quarter, compared to analysts’ expectations of $379.77 million. Trupanion had a return on equity of 6.98% and a net margin of 1.74%.The firm’s revenue for the quarter was up 12.3% on a year-over-year basis. During the same period last year, the business posted ($0.03) earnings per share. As a group, equities research analysts expect that Trupanion will post 0.5 earnings per share for the current year.

Insider Buying and Selling

In other Trupanion news, COO John R. Gallagher sold 5,283 shares of the stock in a transaction on Friday, February 27th. The stock was sold at an average price of $26.52, for a total value of $140,105.16. Following the sale, the chief operating officer directly owned 32,387 shares of the company’s stock, valued at $858,903.24. This trade represents a 14.02% decrease in their ownership of the stock. The sale was disclosed in a filing with the Securities & Exchange Commission, which is available at this link. Also, CRO Emily Dreyer sold 7,792 shares of the firm’s stock in a transaction on Wednesday, March 4th. The shares were sold at an average price of $28.15, for a total value of $219,344.80. Following the completion of the sale, the executive owned 35,627 shares in the company, valued at $1,002,900.05. The trade was a 17.95% decrease in their ownership of the stock. The SEC filing for this sale provides additional information. In the last 90 days, insiders have sold 21,503 shares of company stock valued at $578,537. Insiders own 5.42% of the company’s stock.

Institutional Trading of Trupanion

Large investors have recently modified their holdings of the company. Voya Investment Management LLC lifted its position in Trupanion by 2.4% in the 3rd quarter. Voya Investment Management LLC now owns 10,379 shares of the financial services provider’s stock valued at $449,000 after purchasing an additional 243 shares during the last quarter. Thrivent Financial for Lutherans grew its position in Trupanion by 1.1% in the 2nd quarter. Thrivent Financial for Lutherans now owns 24,853 shares of the financial services provider’s stock worth $1,376,000 after purchasing an additional 282 shares during the last quarter. EP Wealth Advisors LLC grew its position in Trupanion by 2.9% in the 2nd quarter. EP Wealth Advisors LLC now owns 10,310 shares of the financial services provider’s stock worth $571,000 after purchasing an additional 292 shares during the last quarter. PNC Financial Services Group Inc. increased its stake in shares of Trupanion by 21.7% in the third quarter. PNC Financial Services Group Inc. now owns 2,678 shares of the financial services provider’s stock valued at $116,000 after purchasing an additional 478 shares during the period. Finally, AlphaQuest LLC increased its stake in shares of Trupanion by 16.5% in the third quarter. AlphaQuest LLC now owns 3,444 shares of the financial services provider’s stock valued at $149,000 after purchasing an additional 487 shares during the period.

About Trupanion

Trupanion, Inc is a pet medical insurance company that provides comprehensive insurance coverage for cats and dogs. The company’s core offering is a single, customizable medical policy designed to cover veterinary diagnostic tests, surgeries, hospital stays and congenital or hereditary conditions. Trupanion seeks to streamline the claims process by offering direct payment options to participating veterinarians, reducing the need for upfront payments by pet owners.

Founded in 1999 by Darryl Rawlings and headquartered in Seattle, Washington, Trupanion began operations in the early 2000s and has grown its presence through both digital channels and partnerships with veterinary hospitals.