Insider buying last 90 days
No open-market insider purchases were filed for TRUP in the last 90 days.
From Form 4 filings, dated to when each was filed.
Every TRUP insider filing, plotted on the chart in Gekko.Open TRUP in Gekko
NASDAQ: TRUP
Trupanion (TRUP) Stock Analysis & Forecast
Oct 12 close
$26.29+0.23 (+0.9%)
Gekko Brief
AI summaryOct 12 closeTrupanion's week centers on a new brand partnership with Simon Cowell, aimed at raising pet insurance awareness among younger pet owners, which several commentators frame as a long-term brand and education play rather than an immediate financial driver. Alongside this, Cantor Fitzgerald lowered its price target on the stock to $30.00 from $34.00 while maintaining a "neutral" rating, even as the broader analyst consensus carries a "Hold" rating with an average target cited at $38.40 in one report. An insider, Margaret R. Tooth, has also proposed a further share sale following prior sales in August and September.
TRUP closed at $26.29, up 0.9%, sitting below both its 50-day average of $26.89 and its 200-day average of $27.15, with the 50-day below the 200-day. The GekkoIndex reads 53.6, placing the stock in the Neutral zone, down 9.6 points over the last five readings. Shares trade 11.8% below the Gekko Fair Value of $29.82. Over the past year the stock is down 37.8%, though it has gained 5.6% over the last month.
The next earnings report is due 5 November 2026 after the close, 24 days away, falling inside a typical 20-trading-day holding period; the prior quarter saw an EPS beat of $0.16 versus $0.11 expected, with an 14.2% reaction, and the stock has beaten estimates in 5 of 8 recent quarters. No insider, Congress, or unusual options activity appears in the respective 90-day and 30-day windows. Seasonally, the next 20 trading days have averaged a 3.5% return over 5 years, rising in 2 of those years. Consensus analyst target sits at $34.25, implying 30.3% upside per that measure.
Written by AI from the Oct 12, 2026 close and checked automatically against the figures on this page.
Trupanion price vs fair value
Close $26.29200-day averageGekko Fair Value $29.82
Trupanion quick facts
- Market cap
- $1.15B
- P/E ratio
- 48.7
- Forward P/E
- 1,428.6
- EPS, TTM
- $0.53
- Revenue, TTM
- $1.52B
- Profit margin
- 1.5%
- Dividend yield
- —
- Beta
- 1.44
- Volume
- 333,295 avg 426,490
- 1-year return
- −37.8%
- Typical daily move
- ±3.6%
- Typical 20-day move
- ±11.1%
- 50-day average
- $26.89
- 200-day average
- $27.15
- Next earnings
- Nov 5 after close
- Shares outstanding
- 43.62M
Trupanion swing-trade checklist
Trupanion scores 1 supportive, 2 mixed and 2 headwinds across the 5 checklist items with data.
Six things swing traders check before a 20-day hold, read from the latest data.
1 supportive2 mixed2 headwinds
- Trendheadwind
Below 50 and 200-day
Close $26.29 is below the 50-day ($26.89) and 200-day ($27.15) averages, and the 50-day is below the 200-day.
See the chart - GekkoIndexmixed
53.6, Neutral
Reading 53.6 is in the Neutral zone.
See the GekkoIndex - Fair valuesupportive
11.8% below
Price is 11.8% below Gekko Fair Value (more than 5% below).
See fair value - Smart moneyno data
No data
No insider, Congress or unusual options activity in the window.
See smart money - Earnings riskheadwind
Reports in 24 days
Reports on Nov 5, 2026, 24 days away — inside a typical 20-trading-day hold.
See earnings - Seasonalitymixed
+3.5% on average
From this point in the calendar, the next 20 trading days averaged +3.5% over 5 years, rising in 2 of them.
See seasonality
A description of current data, not a recommendation. How this page works
Trupanion stock chart and price history
Trupanion closed at $26.29 on Oct 12, 2026, −37.8% over the past year, inside a 52-week range of $21.16 to $46.98.
Close50-day average200-day averageVolume
Use the left and right arrow keys to read daily values.
Performance Breakdown
- 1 month
- +5.6%
- 3 months
- +1.8%
- 6 months
- +3.9%
- 1 year
- −37.8%
The full TRUP chart adds GekkoIndex, insider, options, Congress and hedge fund markers, plus TrendCandles™.Open TRUP in Gekko
Follow Trupanion through every session
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About Trupanion
Trupanion offers monthly subscription plans for pet medical insurance, covering dogs and cats for owners in the United States, Canada, Puerto Rico, and Australia. The company is recognized for this subscription-based approach to covering veterinary costs for household pets.
The business is structured around two segments, described as Subscription Business and Other Business, through which it serves both pet owners directly and veterinary professionals who work with pet healthcare.
Trupanion traces its history back to its founding in 2000, when it operated under the name Vetinsurance International, Inc., before changing to its current name in 2013. The company is headquartered in Seattle, Washington, and its shares trade on the NASDAQ under the ticker TRUP.
- Listed
- NASDAQ
- Sector
- Finance
- Industry
- Multi-line insurance
- Website
- trupanion.com
Trupanion GekkoIndex: the smart money zone
Trupanion’s GekkoIndex — Gekko’s 0 to 100 smart money score — reads 53.6, in the Neutral zone, down 9.6 points over five sessions.
53.6Neutral
Down 9.6 points over five sessions, from the Accumulation zone.
Reading for Oct 12, 2026
What followed past readings in each zone
| Zone | Readings | 5 days | 20 days | ||
|---|---|---|---|---|---|
| Buying | 60 | +2.3% | +2.8% | ||
| Accumulation | 275 | +0.1% | −0.4% | ||
| Neutral (current zone) | 294 | +0.5% | +1.9% | ||
| Distribution | 51 | −2.3% | −2.6% | ||
| Selling | 2 | Too few readings yet | |||
Average TRUP share-price change over the trading days after each daily reading in its GekkoIndex history. Across every stock Gekko tracks, Neutral readings averaged +1.1% over 20 days. Past behaviour doesn’t guarantee future results.
Neutral zone: No clear directional signal. About the five zones →
See every daily GekkoIndex reading plotted over the TRUP price, zone by zone.Track TRUP in Gekko
Is Trupanion stock overvalued? Gekko Fair Value
Trupanion trades 11.8% below Gekko Fair Value of $29.82, so the shares are undervalued on Gekko’s estimate.
Gekko’s own estimate of what Trupanion shares are worth, recalculated every trading day.
$29.82
Gekko Fair Value, Oct 10, 2026
11.8% Undervalued
At the end of Aug 2026 the price was 8.1% below the estimate.
Gekko Fair ValueShare price, month end
Gekko Fair Value on every chart, with the gap to price updating daily.Open TRUP in Gekko
Trupanion insider and Congress trading
No open-market insider purchases were filed for Trupanion, and no Congress trades were disclosed, in the last 90 days.
Plus buybacks, unusual options and fund positions, each dated to when it became public.
Congress trades last 90 days
No trades in TRUP were disclosed by members of Congress in the last 90 days.
From congressional disclosures, which report amounts as ranges.
Congress disclosures for TRUP, plotted on the chart in Gekko.Open TRUP in Gekko
Buybacks
Trupanion has been buying back its own shares.
- Latest authorization
- $100.0M, Aug 5, 2026
- Bought back, quarter ended Jun 30, 2026
- $496K
- As a share of market cap
- 0.04%
From company filings.
Trupanion earnings: next date and track record
Trupanion reports on Nov 5, 2026, after the close (24 days away), and beat the EPS estimate in 5 of its last 8 reports.
Next earnings report
Nov 5, 2026
Expected after the close, 24 days away
- EPS estimate
- $0.16
- Revenue estimate
- $402.5M
5 of 8reports beat the EPS estimate
±11.7%average move across the report
4 of 8reports followed by a gain
Share-price move across each report
Last earnings call, Aug 5, 2026 AI summary
- What they said
- Trupanion delivered strong Q2 2026 results with subscription adjusted operating income growing 24% year-over-year, tracking toward $180M total AOI target. Gross pet adds accelerated 9% YoY, with net subscription pets added of ~18,800, up 39% over prior year. Lifetime value of enrolled pets increased 25%, reflecting improved pricing discipline and product enhancements including expanded deductible and coinsurance options.
- Guidance
- Management reaffirmed full-year target of $180M total adjusted operating income. A new digital offering is on track to launch in the first half of the current strategic plan, aimed at expanding market reach and new customer segments.
| Reported | EPS | Revenue | Move |
|---|---|---|---|
| Aug 5, 2026 | $0.16 est $0.11 | $392.9M est $389.7M | +14.2% |
| Apr 30, 2026 | $0.11 est $0.07 | $384.0M est $379.8M | −3.0% |
| Feb 12, 2026 | $0.13 est $0.14 | $376.9M est $375.5M | −13.5% |
| Nov 6, 2025 | $0.13 est $0.89 | $366.9M est $361.6M | −9.2% |
| Aug 7, 2025 | $0.22 est −$0.03 | $353.6M est $346.7M | +0.4% |
| May 1, 2025 | −$0.03 est −$0.04 | $342.0M est $346.4M | +23.0% |
| Feb 19, 2025 | $0.04 est $0.06 | $337.3M est $335.4M | −27.3% |
| Oct 30, 2024 | $0.03 est −$0.06 | $327.5M est $333.9M | +2.9% |
“Move” is the close of the first session after the report compared with the close of the last session before it, so it reads the same whether the company reported before the open or after the close.
Trupanion stock forecast and analyst price targets
Analysts’ average 12-month price target for Trupanion is $34.25, +30.3% from the last close, from 5 firms rating the stock in the last 90 days.
$34.25consensus 12-month target, +30.3% from the last close
Now $26.29Avg $34.25
Low $29High $42
Each firm’s latest rating in the last 90 days: 5 firms.
Latest analyst actions
| Date | Firm | Target | vs price |
|---|---|---|---|
| Oct 12 | Bank of America Securities | $42 | +59.8% |
| Oct 7 | Cantor Fitzgerald | $30 | +14.1% |
| Sep 30 | Bank of America Securities | $42 | +59.8% |
| Aug 26 | Piper Sandler | $32 | +21.7% |
| Aug 20 | Stifel Nicolaus | $29 | +10.3% |
+1.9%average 20-day move after past Neutral readings
+3.5%average move over the next 20 trading days in the last 5 years
±3.6%typical daily move, from the 14-day average range
Gekko doesn’t publish price predictions. These are analyst targets and historical base rates, which don’t guarantee future results.
Trupanion seasonality: the next 20 trading days
Over the next 20 trading days from Oct 10, Trupanion averaged +3.5% across the last 5 years, rising in 2 of them.
Next 20 trading days, by year
Average move and hit rate
| Window | Average | Years higher |
|---|---|---|
| Next 5 trading days | +7.5% | 5 of 5 |
| Next 10 trading days | +4.1% | 3 of 5 |
| Next 15 trading days | +2.1% | 2 of 5 |
| Next 20 trading days | +3.5% | 2 of 5 |
| Next 30 trading days | +9.1% | 3 of 5 |
For scale, TRUP’s typical 20-trading-day move in either direction is about 11.1%.
Trupanion market cap and key statistics
Trupanion’s market cap is $1.15B, with a P/E ratio of 48.7 and revenue of $1.52B over the last twelve months.
Valuation
- Market cap
- $1.15B
- P/E ratio
- 48.7
- Forward P/E
- 1,428.6
- EPS, TTM
- $0.53
- Gekko Fair Value
- $29.82
Trading
- Volume
- 333,295
- Avg volume, 20 days
- 426,490
- 52-week high
- $46.98
- 52-week low
- $21.16
- Shares outstanding
- 43.62M
Financials
- Revenue, TTM
- $1.52B
- Profit margin
- 1.5%
- Return on equity
- 6.1%
- Quarterly earnings growth, YoY
- −28.9%
Risk and income
- Beta
- 1.44
- Typical daily move
- ±3.6%
- Typical 20-day move
- ±11.1%
Trupanion stock news this week
Coverage of Trupanion this week reads neutral: 3 positive, 5 neutral and 0 negative headlines.
- Trupanion (TRUP) Teams With Simon Cowell On Brand Push While Undervalued Narrative Faces A TestSimply Wall Street, Oct 10
- A proposed $25,840 share sale at Trupanion (TRUP) would follow Tooth’s August and September sales.Stock Titan, Oct 9
- How Investors May Respond To Trupanion (TRUP) Simon Cowell PartnershipSimply Wall Street, Oct 9
- Is It Too Late to Buy Trupanion Inc (TRUP) After 4.8% Rally? GF Value Says UndervaluedGuruFocus, Oct 9
- A Partnership for Pets: Simon Cowell and Trupanion Team UpYahoo Finance, Oct 8
- Simon Cowell took out pet insurance for each of his four dogs through TrupanionStock Titan, Oct 8
Trupanion peers
Trupanion’s 6 largest industry peers by market value, with today’s move, GekkoIndex zone and gap to Gekko Fair Value.
| Stock | GekkoIndex zone | vs Fair Value |
|---|---|---|
| PGRProgressive | Neutral | 0.6% below |
| MFCManulife Financial | Accumulation | 7.6% above |
| METMetLife | Neutral | 0.6% below |
| ALLAllstate | Accumulation | 9.9% below |
| AFLAFLAC | Neutral | 1.5% below |
| SLFSun Life Financial | Accumulation | 5.2% above |
A peer links to its own page where one exists.
Trupanion stock FAQ
What is Trupanion’s market cap?
Trupanion’s market cap is $1.15B at the Oct 12, 2026 close of $26.29, with 43.62M shares outstanding. The shares trade on a P/E ratio of 48.7.
What is the Trupanion stock forecast?
The consensus analyst 12-month price target for Trupanion is $34.25, +30.3% from the last close. Of the 5 firms that rated the stock in the last 90 days, 2 rate it a buy, 3 a hold and 0 a sell. Gekko doesn’t publish price predictions of its own.
Is Trupanion stock overvalued or undervalued?
On Gekko’s estimate Trupanion is undervalued: the Oct 12, 2026 close of $26.29 is 11.8% below Gekko Fair Value of $29.82. Gekko Fair Value is recalculated every trading day, and a gap inside 5% either way counts as about fair value.
When does Trupanion report earnings next?
Trupanion is expected to report on Nov 5, 2026, after the market closes (24 days away). Analysts expect earnings of $0.16 per share on revenue of $402.5M. Trupanion beat the earnings estimate in 5 of its last 8 reports, moving 11.7% on average across the report.
What is Trupanion’s 52-week high and low?
Trupanion’s 52-week high is $46.98 and its 52-week low is $21.16; it closed at $26.29 on Oct 12, 2026, −37.8% over the past year. Over the last five years the shares peaked at $158.25 on Dec 8, 2021.
Is Trupanion stock a buy right now?
Gekko describes the data; it does not make buy or sell recommendations. On the swing-trade checklist, 1 of the 5 items with data read as supportive (fair value), 2 as mixed (gekkoindex and seasonality) and 2 as headwinds (trend and earnings risk). The checklist is a description of current data, not a recommendation.
How this page works
During US trading hours the price at the top of the page is a delayed quote, refreshed every 15 minutes; everything else is rebuilt after each US market close. The GekkoIndex, Gekko Fair Value and the checklist are Gekko’s own, and the Gekko Brief is written by AI from this page’s data and checked against it before it is published. How Gekko’s data works →
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