What is the 13F Pro Quality Score for TRUP?

13F Pro ranks TRUPANION, INC. (TRUP) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View TRUP's current score at https://13fpro.ai/research/TRUP (free sign-up required for the full ranking).

Which hedge funds own the most TRUP stock?

Based on the most recent Form 13F-HR filings on SEC EDGAR, the largest reported institutional holders of TRUP include BlackRock,, Capital World Investors, AFLAC. Holdings are reported quarterly within 45 days of quarter-end and updated on https://13fpro.ai/research/TRUP as soon as new 13F filings post.

Where does 13F Pro source TRUP data?

All TRUPANION, INC. fundamentals and ownership data come directly from SEC EDGAR. TRUPANION, INC. files with the SEC under CIK 1371285. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is TRUP in?

TRUPANION, INC. (TRUP) is classified in the Healthcare sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/healthcare.

How often is TRUP research updated on 13F Pro?

TRUP's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

TRUPANION, INC.(TRUP)Stock Analysis

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13F Pro Quality Score

44.8/100

Rank #1,747 of 2,879 stocks

View Healthcare peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.

Revenue Growth

72.6/100

Profitability

30.0/100

Balance Sheet

30.0/100

Earnings Quality

30.0/100

Free Cash Flow

49.0/100

Institutional Flow

12.7/100

Revenue Scale

56.7/100

Dilution Risk

36.1/100

TRUP Stock Analysis & AI Quality Score

AI stock analysis and institutional research for TRUPANION, INC. (TRUP), a Healthcare sector company. 13F Pro's AI-powered ranking engine scores TRUP at 44.8/100 on a 32-signal composite quality model, placing it at rank #1,747 of 2,879 stocks — the bottom half of the AI-ranked universe. Areas of concern include institutional flow (12.7) and profitability (30.0), which score below median versus the broader universe. Shareholder dilution risk is elevated at 36.1/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q1 2026), TRUPANION, INC. reports quarterly revenue of $384.0M, net income of $4.9M, an operating margin of 1.2%. Top institutional holders of TRUP by reported 13-F value include BlackRock,, Capital World Investors, AFLAC, based on the most recent SEC filings. TRUP trades on the Nasdaq exchange and files with the SEC under CIK 1371285. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate TRUP daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for TRUPANION, INC. directly from SEC EDGAR. TRUPANION, INC.'s 13F Pro composite quality score has ranged between 8 and 69 since 2021, currently 44.8 — an improving long-term trajectory across 56 quarterly and live scoring snapshots.

✦

Fun facts about TRUPANION, INC.

Quirks, history, and lore behind TRUP — the kind of stuff that makes a stock memorable.

1
The Basics
U.S. healthcare company · small-cap · listed on Nasdaq · headquartered in Seattle, Washington.
2
The Numbers
Annual revenue in the low hundreds of millions of dollars, yet the company has historically operated at a net loss — growth over profit is the strategy.
3
The History
Founded in the early 2000s, it set out to bring a subscription-based model to an industry that had historically been dominated by human-focused insurers dabbling on the side.
4
The Secret
Its entire business is built around a single promise: cover 90% of eligible veterinary invoices, with no payout caps — a pitch aimed squarely at devoted pet owners.
5
The Lore
The company partners directly with veterinary hospitals to pay claims in real time at the counter, cutting out the reimbursement headache that drives most policyholders crazy.
6
The Giveaway
If your dog or cat needs emergency surgery, this Seattle-based insurer wants to be the one footing the vet bill — it is one of North America's largest dedicated pet health insurance companies.

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Revenue

Q1 2026

$384.0M

Net Income

Q1 2026

$4.9M

Free Cash Flow

Q1 2026

$13.7M

Operating Margin

Q1 2026

1.2%

ROIC

Q1 2026

1.0%

D/E Ratio

Q1 2026

0.28

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

+29.8% YoY

$1.44BFY 2025

FY20 $502.0MFY21 $699.0MFY23 $1.11BFY25 $1.44B

Net Income

+143.5% YoY

$19.4MFY 2025

FY20 —FY21 $-35.5MFY23 $-44.7MFY25 $19.4M

Operating Income

+134.0% YoY

$13.8MFY 2025

FY20 $-4.9MFY21 $-35.2MFY23 $-40.7MFY25 $13.8M

EPS (Diluted)

+141.7% YoY

$0.45FY 2025

FY20 $-0.16FY21 $-0.89FY23 $-1.08FY25 $0.45

Total Assets

+16.9% YoY

$915.0MFY 2025

FY20 $498.3MFY21 $562.6MFY23 $782.9MFY25 $915.0M

Total Debt

-13.3% YoY

$111.8MFY 2025

FY20 $0.00FY21 $0.00FY23 $128.9MFY25 $111.8M

Op. Cash Flow

+380.1% YoY

$89.5MFY 2025

FY20 $21.5MFY21 $7.5MFY23 $18.6MFY25 $89.5M

Metric	FY 2025	FY 2023	FY 2021	FY 2020	FY 2019	FY 2018
Revenue	$1.44B +29.8%	$1.11B +58.6%	$699.0M +39.2%	$502.0M +30.8%	$383.9M +26.3%	$304.0M
Net Income	$19.4M +143.5%	$-44.7M -25.8%	$-35.5M	—	—	—
Operating Income	$13.8M +134.0%	$-40.7M -15.5%	$-35.2M -614.3%	$-4.9M -156.6%	$-1.9M -83.7%	$-1.0M
EPS (Diluted)	$0.45 +141.7%	$-1.08 -21.3%	$-0.89 -456.3%	$-0.16	—	—
Total Assets	$915.0M +16.9%	$782.9M +39.2%	$562.6M +12.9%	$498.3M +93.7%	$257.2M +23.9%	$207.5M
Total Debt	$111.8M -13.3%	$128.9M	$0.00	$0.00 -100.0%	$26.1M +102.8%	$12.9M
Operating Cash Flow	$89.5M +380.1%	$18.6M +149.9%	$7.5M -65.4%	$21.5M +33.3%	$16.2M +27.4%	$12.7M

AI Insight: TRUP Financial Trends

Trupanion's operating income turned durably positive in Q3 2025 and operating cash flow hit $29M in back-to-back quarters, signaling an inflection toward sustained profitability.

• Revenue grew steadily from $315M in Q2 2024 to $384M in Q1 2026, a 22% increase over six quarters.

• Operating income inflected from -$5M in Q2 2024 to +$7M in Q4 2025, sustaining positive territory through Q1 2026 at $5M.

• Operating cash flow surged to $29M in both Q3 and Q4 2025, up from $7M in Q2 2024, showing meaningful cash generation improvement.

• Total debt declined from $129M to $109M between Q2 2024 and Q1 2026, while equity expanded from $306M to $395M.

⚠ Operating income dipped to $5M in Q1 2026 from $7M in Q4 2025 — watch whether Q1 seasonality disrupts the profitability trend.

⚠ Operating cash flow fell to $15M in Q1 2026 after two consecutive $29M quarters — confirm this is seasonal, not structural.

⚠ Net income data is absent across all periods; lack of bottom-line visibility limits full assessment of true earnings quality.

AI Insight: TRUP Ratio Trends

Trupanion has turned operationally profitable after six quarters of losses, with D/E leverage cut nearly in half since Q2 2024.

• Operating margin recovered from -1.7% in Q2 2024 to a peak of 1.9% in Q4 2025, marking a clear multi-quarter profitability inflection.

• ROIC swung from -5.0% in Q2 2024 to 5.8% in Q4 2025, reflecting meaningful improvement in capital efficiency.

• D/E ratio declined steadily from 0.42 in Q2 2024 to 0.28 in Q1 2026, signaling a strengthening balance sheet.

⚠ Operating margin dipped to 1.2% in Q1 2026 from 1.9% in Q4 2025 — early sign of seasonal softness or cost pressure worth monitoring.

⚠ NPM, ROE, and ROA remain entirely unavailable, leaving a large gap in profitability and return visibility.

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Available Research

13F Pro tracks comprehensive data for TRUPANION, INC. including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of TRUP

BlackRock, Inc.
$139.4M5,443,120 sh
Capital World Investors
$96.8M3,781,639 sh
AFLAC INC
$93.1M3,636,364 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$45.1M1,762,577 sh
Polar Capital Holdings Plc
$41.6M1,625,000 sh
VANGUARD CAPITAL MANAGEMENT LLC
$37.2M1,453,156 sh
FMR LLC
$34.7M1,354,566 sh
STATE STREET CORP
$33.7M1,317,443 sh
GEODE CAPITAL MANAGEMENT, LLC
$22.5M878,070 sh
GREENLEA LANE CAPITAL MANAGEMENT, LLC
$19.9M776,490 sh

Fund	Value	Shares
BlackRock, Inc.	$139.4M	5,443,120
Capital World Investors	$96.8M	3,781,639
AFLAC INC	$93.1M	3,636,364
VANGUARD PORTFOLIO MANAGEMENT LLC	$45.1M	1,762,577
Polar Capital Holdings Plc	$41.6M	1,625,000
VANGUARD CAPITAL MANAGEMENT LLC	$37.2M	1,453,156
FMR LLC	$34.7M	1,354,566
STATE STREET CORP	$33.7M	1,317,443
GEODE CAPITAL MANAGEMENT, LLC	$22.5M	878,070
GREENLEA LANE CAPITAL MANAGEMENT, LLC	$19.9M	776,490

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Is TRUP a good stock to buy?

13F Pro's AI-powered analysis of TRUPANION, INC. (TRUP) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Healthcare sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for TRUP are available on the TRUP stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own TRUP?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling TRUP. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of TRUPANION, INC.'s investment landscape.