TRUPANION, INC.(TRUP)Stock Analysis
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Rank #1,918 of 2,962 stocks
Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.
Revenue Growth
Profitability
Balance Sheet
Earnings Quality
Free Cash Flow
Institutional Flow
Revenue Scale
Dilution Risk
TRUP Stock Analysis & AI Quality Score
Data updated 2026-09-11AI stock analysis and institutional research for TRUPANION, INC. (TRUP), a Healthcare sector company. 13F Pro's AI-powered ranking engine scores TRUP at 44.4/100 on a 32-signal composite quality model, placing it at rank #1,918 of 2,962 stocks — the bottom half of the AI-ranked universe. Areas of concern include profitability (30.0) and balance sheet strength (30.0), which score below median versus the broader universe. Shareholder dilution risk is elevated at 35.0/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q2 2026), TRUPANION, INC. reports quarterly revenue of $392.9M, net income of $6.8M, an operating margin of 1.6%. 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 42 and 49 since 2021, currently 44.4 — a stable long-term trajectory across 68 quarterly and live scoring snapshots.
Revenue
Q2 2026
$392.9M
Net Income
Q2 2026
$6.8M
Free Cash Flow
Q2 2026
$19.2M
Operating Margin
Q2 2026
1.6%
ROIC
Q2 2026
4.9%
D/E Ratio
Q2 2026
0.26
Revenue & Net Income
Earnings Per Share
Key Financials Over Time
Export Financial Table · ProRevenue
+11.9% YoYNet Income
+301.7% YoYOperating Income
+245.4% YoYEPS (Diluted)
+295.7% YoYTotal Assets
+13.4% YoYTotal Debt
-13.3% YoYOp. Cash Flow
+85.3% YoYFree Cash Flow
+95.4% YoY| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | $1.44B +11.9% | $1.29B +16.0% | $1.11B +22.5% | $905.2M +29.5% | $699.0M +39.2% | $502.0M |
| Net Income | $19.4M +301.7% | $-9.6M +78.4% | $-44.7M -0.0% | $-44.7M -25.7% | $-35.5M | — |
| Operating Income | $13.8M +245.4% | $-9.5M +76.6% | $-40.7M +5.4% | $-43.0M -22.2% | $-35.2M -614.3% | $-4.9M |
| EPS (Diluted) | $0.45 +295.7% | $-0.23 +78.7% | $-1.08 +1.8% | $-1.10 -23.6% | $-0.89 -456.3% | $-0.16 |
| Total Assets | $915.0M +13.4% | $806.9M +3.1% | $782.9M +16.6% | $671.6M +19.4% | $562.6M +12.9% | $498.3M |
| Total Debt | $111.8M -13.3% | $128.9M -0.0% | $128.9M +85.6% | $69.5M | $0.00 | $0.00 |
| Operating Cash Flow | $89.5M +85.3% | $48.3M +159.1% | $18.6M +333.0% | $-8.0M -207.3% | $7.5M -65.4% | $21.5M |
| Free Cash Flow | $75.4M +95.4% | $38.6M +10674.0% | $358.0K +101.4% | $-25.1M -412.3% | $-4.9M -134.7% | $14.1M |
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13F Pro tracks comprehensive data for TRUPANION, INC. including:
Top Institutional Holders of TRUP
BlackRock, Inc.
$134.8M5,441,008 shCapital World Investors
$95.1M3,840,269 shAFLAC INC
$90.1M3,636,364 shVANGUARD PORTFOLIO MANAGEMENT LLC
$44.6M1,801,498 shPolar Capital Holdings Plc
$43.3M1,750,000 shVANGUARD CAPITAL MANAGEMENT LLC
$36.8M1,486,377 shSTATE STREET CORP
$33.8M1,365,662 shFMR LLC
$25.8M1,040,565 shMORGAN STANLEY
$22.3M901,215 shGEODE CAPITAL MANAGEMENT, LLC
$21.7M875,839 sh
| Fund | Value | Shares |
|---|---|---|
| BlackRock, Inc. | $134.8M | 5,441,008 |
| Capital World Investors | $95.1M | 3,840,269 |
| AFLAC INC | $90.1M | 3,636,364 |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $44.6M | 1,801,498 |
| Polar Capital Holdings Plc | $43.3M | 1,750,000 |
| VANGUARD CAPITAL MANAGEMENT LLC | $36.8M | 1,486,377 |
| STATE STREET CORP | $33.8M | 1,365,662 |
| FMR LLC | $25.8M | 1,040,565 |
| MORGAN STANLEY | $22.3M | 901,215 |
| GEODE CAPITAL MANAGEMENT, LLC | $21.7M | 875,839 |
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Similarity is computed from the 8 composite sub-scores and latest-quarter 13F conviction holdings (index-style filers excluded). Refreshed monthly.
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Popular Research
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. TRUP is classified as a small company.
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.