TRUPANION, INC. financials
Source: EDGAR filings · Built 2026-06-02T04:13:18Z
Key metrics by reporting period
Up to six most-recent periods side-by-side. Rows are the curated key lines — revenue, margins, cash, debt, equity, cash-flow totals, plus the derived and valuation metrics we compute on top. For every tag a filer reported in one period, use the single-filing drilldown below.
Derived Metrics
| Concept | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Free Cash Flow | 75.36M | 38.57M | 358.00K | -25.09M | -4.90M | 14.09M |
| EBITDA | 29.67M | 6.95M | -28.18M | -32.08M | -23.23M | 2.14M |
| Working Capital | 281.25M | 247.70M | 217.62M | 179.48M | 167.26M | 186.63M |
| Net Debt | -11.36M | -28.00M | -14.21M | 9.26M | -87.40M | -139.88M |
| Gross Margin | 16.05% | 13.91% | 11.82% | 13.50% | 14.93% | 16.31% |
| Operating Margin | 0.96% | -0.74% | -3.67% | -4.75% | -5.04% | -0.98% |
| Net Margin | 1.35% | -0.75% | -4.03% | -4.94% | -5.08% | -1.16% |
| Return on Equity (ROE) | 5.06% | -2.98% | -14.72% | -14.63% | -10.70% | -1.72% |
| Return on Assets (ROA) | 2.12% | -1.19% | -5.71% | -6.65% | -6.32% | -1.17% |
| Current Ratio | 1.69× | 1.71× | 1.63× | 1.62× | 1.75× | 2.24× |
| Debt-to-Equity | 0.33× | 0.41× | 0.44× | 0.25× | 0.00× | 0.00× |
| Effective Tax Rate | 11.64% | 0.05% | 0.76% | -1.08% | -0.88% | -1.97% |
| Cash Conversion Ratio | 4.61× | -5.01× | -0.42× | 0.18× | -0.21× | -3.69× |
| Accruals Ratio | -0.08× | -0.07× | -0.08× | -0.05× | -0.08× | -0.06× |
| SBC % of Revenue | 2.66% | 2.60% | 2.99% | 3.69% | 4.04% | 1.78% |
| CapEx Coverage | 6.33× | 4.97× | 1.02× | -0.47× | 0.60× | 2.89× |
| Free Cash Flow Per Share | $1.73 | $0.91 | $0.01 | $-0.62 | $-0.12 | $0.39 |
Valuation Metrics
| Concept | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| P/E Trailing (Diluted) | 83.04× | — | — | — | — | — |
| P/FCF | 21.60× | 52.68× | 3547.67× | — | — | 304.61× |
| FCF Yield | 4.63% | 1.90% | 0.03% | — | — | 0.33% |
| EV / EBITDA | 54.28× | 290.56× | — | — | — | 2137.49× |
| P/S | 1.13× | 1.59× | 1.15× | 2.15× | 7.65× | 9.41× |
| P/B | 4.22× | 6.34× | 4.20× | 6.39× | 16.09× | 13.89× |
Income Statement
| Concept | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenues | 1.44B | 1.29B | 1.11B | 905.18M | 698.99M | 502.03M |
| Cost of Revenue | 1.21B | 1.11B | 977.59M | 782.99M | 594.64M | 420.13M |
| Operating Expenses | 216.87M | 188.13M | 171.46M | 164.93M | 139.37M | 86.70M |
| Operating Income (Loss) | 13.84M | -9.51M | -40.66M | -43.00M | -35.20M | -4.93M |
| Income Tax Expense (Benefit) | 2.56M | -5.00K | -342.00K | 476.00K | 310.00K | 113.00K |
| Earnings Per Share, Basic | $0.45 | $-0.23 | $-1.08 | $-1.10 | $-0.89 | $-0.16 |
| Weighted Average Number of Shares Outstanding, Basic | 42.96M | 42.16M | 41.44M | 40.77M | 40.14M | 35.86M |
| Earnings Per Share, Diluted | $0.45 | $-0.23 | $-1.08 | $-1.10 | $-0.89 | $-0.16 |
| Weighted Average Number of Shares Outstanding, Diluted | 43.56M | 42.16M | 41.44M | 40.77M | 40.14M | 35.86M |
Balance Sheet
| Concept | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash and Cash Equivalents, at Carrying Value | 138.02M | 160.29M | 147.50M | 65.61M | 87.40M | 139.88M |
| Assets, Current | 691.06M | 597.33M | 562.09M | 469.10M | 390.95M | 337.03M |
| Assets | 915.04M | 806.85M | 782.95M | 671.63M | 562.58M | 498.25M |
| Long-term Debt | 101.78M | 127.54M | 127.58M | 68.35M | 0 | — |
| Liabilities, Current | 409.81M | 349.63M | 344.47M | 289.62M | 223.70M | 150.40M |
| Long-term Debt, Excluding Current Maturities | 101.78M | 127.54M | 127.58M | 68.35M | 0 | 0 |
| Liabilities | 531.11M | 483.58M | 479.23M | 366.33M | 230.38M | 158.31M |
| Stockholders' Equity Attributable to Parent | 383.94M | 323.27M | 303.72M | 305.30M | 332.20M | 339.94M |
| Common Stock, Shares, Outstanding | 43.40M | 42.49M | 41.86M | 41.01M | 40.48M | 39.45M |
Cash Flow Statement
| Concept | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Net Cash Provided by (Used in) Operating Activities | 89.49M | 48.29M | 18.64M | -8.00M | 7.46M | 21.54M |
| Payments to Acquire Property, Plant, and Equipment | 14.13M | 9.72M | 18.28M | 17.09M | 12.36M | 7.45M |
| Net Cash Provided by (Used in) Investing Activities | -95.89M | -13.46M | 7.64M | -67.52M | -51.91M | -76.75M |
| Payments for Repurchase of Common Stock | — | 0 | 0 | 5.75M | 0 | — |
| Net Cash Provided by (Used in) Financing Activities | -22.86M | -3.96M | 59.13M | 60.74M | -1.13M | 170.85M |
Derived Metrics
| Concept | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 |
|---|---|---|---|---|---|---|
| Free Cash Flow | 13.75M | 25.34M | 50.02M | 26.09M | 14.04M | 21.84M |
| EBITDA | 8.48M | 11.17M | 9.91M | 6.28M | 2.32M | 4.27M |
| Working Capital | 296.80M | 281.25M | 277.26M | 256.79M | 259.00M | 247.70M |
| Net Debt | -43.46M | -11.36M | -38.55M | -6.33M | -34.71M | -28.00M |
| Gross Margin | 16.01% | 17.26% | 16.37% | 15.51% | 14.94% | 15.69% |
| Operating Margin | 1.24% | 1.89% | 1.60% | 0.65% | -0.43% | 0.10% |
| Net Margin | 1.27% | 1.49% | 1.60% | 2.66% | -0.43% | 0.49% |
| Return on Equity (ROE) | 1.24% | 1.47% | 1.59% | 2.65% | -0.44% | 0.51% |
| Return on Assets (ROA) | 0.53% | 0.62% | 0.67% | 1.11% | -0.18% | 0.21% |
| Current Ratio | 1.73× | 1.69× | 1.71× | 1.69× | 1.70× | 1.71× |
| Debt-to-Equity | 0.28× | 0.33× | 0.32× | 0.33× | 0.39× | 0.41× |
| Effective Tax Rate | 18.07% | 10.54% | 11.00% | 10.74% | -2.70% | 2.24% |
| Cash Conversion Ratio | 2.99× | 5.20× | 10.25× | 3.29× | -10.76× | 14.31× |
| Accruals Ratio | -0.01× | -0.03× | -0.06× | -0.03× | -0.02× | -0.03× |
| SBC % of Revenue | 2.34% | 2.53% | 7.84% | 5.45% | 2.87% | 2.46% |
| CapEx Coverage | 17.23× | 7.46× | 5.90× | 6.32× | 8.28× | 12.76× |
| Free Cash Flow Per Share | $0.31 | $0.58 | $1.15 | $0.60 | $0.33 | $0.52 |
Valuation Metrics
| Concept | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 |
|---|---|---|---|---|---|---|
| P/E Trailing (Diluted) | 43.41× | 83.04× | 120.22× | 212.88× | — | — |
| EV / EBITDA | 29.96× | 54.28× | 80.38× | 125.54× | 134.19× | 290.56× |
| P/S | 0.75× | 1.13× | 1.34× | 1.76× | 1.21× | 1.59× |
| P/B | 2.83× | 4.22× | 5.07× | 6.73× | 4.78× | 6.34× |
Income Statement
| Concept | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 |
|---|---|---|---|---|---|---|
| Revenues | 384.05M | 376.85M | 366.92M | 353.56M | 341.98M | 337.31M |
| Cost of Revenue | 322.56M | 311.83M | 306.87M | 298.73M | 290.87M | 284.38M |
| Operating Expenses | 56.71M | 57.89M | 54.20M | 52.51M | 52.27M | 52.58M |
| Operating Income (Loss) | 4.78M | 7.14M | 5.86M | 2.31M | -1.47M | 348.00K |
| Income Tax Expense (Benefit) | 1.08M | 663.00K | 726.00K | 1.13M | 39.00K | 38.00K |
| Earnings Per Share, Basic | $0.11 | $0.13 | $0.14 | $0.22 | $-0.03 | $0.04 |
| Weighted Average Number of Shares Outstanding, Basic | 43.51M | 42.96M | 43.08M | 42.87M | 42.78M | 42.16M |
| Earnings Per Share, Diluted | $0.11 | $0.13 | $0.13 | $0.22 | $-0.03 | $0.04 |
| Weighted Average Number of Shares Outstanding, Diluted | 43.68M | 43.56M | 43.56M | 43.33M | 42.78M | 42.16M |
Balance Sheet
| Concept | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 |
|---|---|---|---|---|---|---|
| Cash and Cash Equivalents, at Carrying Value | 153.46M | 138.02M | 154.77M | 122.74M | 166.31M | 160.29M |
| Assets, Current | 705.17M | 691.06M | 668.03M | 629.08M | 628.34M | 597.33M |
| Assets | 921.58M | 915.04M | 880.17M | 847.79M | 837.16M | 806.85M |
| Long-term Debt | — | 101.78M | — | — | — | 127.54M |
| Liabilities, Current | 408.37M | 409.81M | 390.77M | 372.29M | 369.34M | 349.63M |
| Long-term Debt, Excluding Current Maturities | 99.35M | 101.78M | 113.79M | 113.12M | 127.53M | 127.54M |
| Liabilities | 526.76M | 531.11M | 511.61M | 492.33M | 503.49M | 483.58M |
| Stockholders' Equity Attributable to Parent | 394.82M | 383.94M | 368.56M | 355.45M | 333.67M | 323.27M |
| Common Stock, Shares, Outstanding | 43.62M | 43.40M | 43.19M | 43.19M | 42.78M | 42.49M |
Cash Flow Statement
| Concept | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 |
|---|---|---|---|---|---|---|
| Net Cash Provided by (Used in) Operating Activities | 14.59M | 29.26M | 60.23M | 30.99M | 15.96M | 23.70M |
| Payments to Acquire Property, Plant, and Equipment | 847.00K | 3.92M | 10.21M | 4.90M | 1.93M | 1.86M |
| Net Cash Provided by (Used in) Investing Activities | 113.00K | -42.13M | -53.76M | -51.44M | -8.97M | 18.46M |
| Net Cash Provided by (Used in) Financing Activities | -2.74M | -5.08M | -17.79M | -16.35M | -459.00K | -1.67M |
Raw XBRL tagging for a single filing
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Methodology
All facts on this page come straight from SEC EDGAR XBRL
company-facts filings (TRUP CIK 0001371285),
grouped by financial statement using FASB's base
us-gaap presentation taxonomy. Filers may re-parent
concepts onto different statements in their own extension
taxonomy, so a handful of rows can show up under a different
statement than on the actual 10-K / 10-Q; custom concepts and
any we couldn't map fall into Other. Hover a
cell to see the fully-qualified concept name and the filer's
description.
For the full methodology — statement grouping, the Other bucket, derived metrics, and fact tooltips — see the methodology reference for the statement grouping, the "Other" bucket, derived metrics, and fact tooltips.