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TRUPTRUPFinancial Services · Insurance - Property & Casualty

TRUP Stock Forecast: Trupanion, Inc. Price Predictions for 2026-2027

Last close, 21 Aug 2026
$31
+1.37% on the day

The 6 Wall Street analysts covering Trupanion, Inc. hold a median 12-month price target of $38 — +22.2% from the last close. Ticker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 34 of 100 as at 22 Aug 2026 — in the lower half. The Street sees upside; the factor read is a caution. That gap is the story on this page.

Market cap
$1.4B
Ticker Nerd rank
34 / 100
Median analyst target
$38
Analysts covering
6
Total return, dividends reinvested
1W
+1.6%
1M
+20.3%
YTD
−16.8%
1Y
−34.8%
From 52W high
−34.8%
From 52W low
+44.9%
$21
$48
52-week range, adjusted closes · the dot is the last close
Ticker Nerd rank

TRUP stock analysis: one number for the whole business

Consensus tells you what everyone already believes. The model scores Trupanion, Inc. on its factor families — the same systematic rank behind the Ticker Nerd portfolio.

Where the model ranks itAs at 22 Aug 2026
34 / 100

Percentile across ~4,600 US stocks on Ticker Nerd’s systematic factor model. Higher is better. How the model is built and tested

Revisions
84
Issuance
68
Growth
65
Quality
49
Size
42
Accruals
21
Value
18
Momentum
15
Volatility
10

Revisions (84): Analysts have, on balance, been raising their forecasts.

Volatility (10): The share price moves around a lot.

Built and run by Aslam Ghouse, an ex-Goldman Sachs quant trader with fourteen years in markets.

Wall Street

TRUP stock forecast 2026-2027: analyst price targets & predictions

The bullish and bearish analyst opinions on TRUP, reported as data — targets and ratings, the market's view beside the model's.

Share price and the analyst range, 12 monthsAdjusted close, US dollars
$20$25$30$35$40$45$50Oct 25Jan 26Apr 26Jul 26TRUPHigh $45Median $38Low $29

Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.

What Wall Street says6 analysts
3 Buy3 Hold0 Sell
Low $29Median $38High $45

The green dot is the last close — the median target sits +22.2% from it.

Recent analyst actionsNewest first

Of the 20 most recent actions, 1 moved their price target up and 2 moved it down.

DateFirmActionRatingTarget
20 Aug 2026StifelMaintainsHold$28 → $29
14 Apr 2026B of A SecuritiesMaintainsBuy$63 → $59
14 Apr 2026B of A SecuritiesMaintainsBuy—
9 Apr 2026Cantor FitzgeraldMaintainsNeutral$42 → $34
9 Apr 2026Cantor FitzgeraldMaintainsNeutral—
31 Mar 2026StifelMaintainsHold—
13 Feb 2026Piper SandlerMaintainsOverweight—
13 Feb 2026StifelMaintainsHold—
29 Jan 2026StifelMaintainsHold—
14 Jan 2026Cantor FitzgeraldMaintainsNeutral—
19 Dec 2025Piper SandlerMaintainsOverweight—
18 Nov 2025StifelMaintainsHold—
8 Aug 2025Piper SandlerMaintainsOverweight—
8 Aug 2025StifelMaintainsHold—
3 July 2025Piper SandlerMaintainsOverweight—
2 May 2025Lake StreetMaintainsBuy—
20 Feb 2025Piper SandlerMaintainsOverweight—
20 Feb 2025StifelMaintainsHold—
23 Jan 2025Piper SandlerUpgradeOverweight—
6 Jan 2025StifelMaintainsHold—

Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.

Market Radar

This page is one stock. Monday covers all of them.

Computed off the Friday close and sent before the US open.

Market Radar reports the week’s largest rank changes across roughly 4,600 US stocks, the factor behind each one, and where the market went. TRUP appears on the weeks it earns a place.

Free, every Monday. Unsubscribe any time.

Estimates

TRUP analyst estimate revisions

Not the forecast itself — the direction analysts are revising it. Revision direction is one of the model's factor families.

Which way the estimates are movingNext fiscal year
EPS revision, 90 days
−0.8%
Analysts raising
0
Analysts cutting
1
Fundamentals

Trupanion, Inc. (TRUP) financial data

A margin means little on its own. Each bar marks where the figure sits across the whole US universe we score.

Valuation
Trailing P/E
58.7×

Cheaper than 13% of US stocks

Price / sales
0.9×

Cheaper than 72% of US stocks

Price / book
3.3×

Cheaper than 32% of US stocks

EV / EBITDA
26.3×

Cheaper than 11% of US stocks

Growth & margins
Revenue growth (YoY)
11.1%

Higher than 55% of US stocks

Earnings growth (YoY)
−27.4%

Higher than 16% of US stocks

Gross margin
16.6%

Higher than 16% of US stocks

Operating margin
1.6%

Higher than 48% of US stocks

Net margin
1.5%

Higher than 51% of US stocks

Returns & dividend
Return on equity
6.1%

Higher than 55% of US stocks

Return on assets
1.8%

Higher than 57% of US stocks

Dividend yield
—

Bars mark the percentile across the ~4,600 US stocks Ticker Nerd covers, among those reporting the figure.

Peers

TRUP vs competitors

The nearest names by industry and size, scored by the same model — like for like.

Its peer group, ranked by the same modelInsurance - Property & Casualty
CompanyMarket capTKN rank
TRUPTrupanion, Inc.$1.4B
34
UFCSUnited Fire Group, Inc.$1.4B
82
ASICAtegrity Specialty Insurance Company Holdings$1.2B
44
UVEUniversal Insurance Holdings, Inc.$1.2B
94
SAFTSafety Insurance Group, Inc.$1.5B
31
KMPRKemper Corp.$1.6B
35
BOWBowhead Specialty Holdings, Inc.$1.1B
31

Look up any of the roughly 4,600 stocks we score.

The rank is the raw material. Whether the rules would actually own Trupanion, Inc. — and when they’d sell — is the membership. See the Ticker Nerd 20 →

News

Latest TRUP news & analysis

Trupanion: Profitable At Last, But Still Too Expensive To Buy (Upgrade)

Seeking Alpha · 14 Aug 2026positive

Trupanion's estimated economic combined ratio improved to 98.5% in H1 2026, extending the underwriting profitability first achieved in 2025, aided by operating leverage and lower acquisition costs. The H1 loss ratio declined to 71.0% from 72.1%, and management's 2026 guidance could imply $32–$40 million of net income, suggesting scale is translating into profitability.

Why it matters — The report signals that Trupanion's path to sustainable underwriting profitability is firming up, while still flagging its valuation as expensive.

Trupanion Partners with Home To Home® to Help More Pets Transition Directly from One Loving Home to Another

GlobeNewsWire · 13 Aug 2026positive

Trupanion announced a partnership with Home To Home® aimed at helping more pets transition directly from one loving home to another. The announcement was made on Aug. 13, 2026, in Seattle via GlobeNewsWire.

Why it matters — A TRUP watcher would care because this collaboration broadens Trupanion's community and pet-wellness initiatives, potentially supporting pet retention and strengthening its brand relationships.

4 Accident & Health Insurers to Watch Amid Elevated Healthcare Costs

Zacks Investment Research · 11 Aug 2026neutral

Zacks Investment Research highlighted that accident and health insurers including Trupanion (TRUP) are positioned to benefit from rising underwriting exposure and accelerated digitalization, though pricing pressure from elevated medical costs and inflation remains a concern.

Why it matters — The report directly addresses TRUP as one of four insurers facing both tailwinds from underwriting growth and headwinds from rising healthcare costs, which are key factors for investors monitoring the company's profitability.

Should You Buy, Sell or Hold Trupanion Stock Post Q2 Earnings?

Zacks Investment Research · 7 Aug 2026neutral

Trupanion's second-quarter earnings exceeded estimates with an 11% increase in revenue, though the article notes the stock's premium valuation and subdued analyst sentiment.

Why it matters — The mixed picture of a solid earnings beat alongside valuation concerns and muted analyst sentiment suggests a cautious outlook for TRUP investors.

Trupanion, Inc. (TRUP) Q2 2026 Earnings Call Transcript

Seeking Alpha · 6 Aug 2026neutral

Trupanion held its Q2 2026 earnings call, and the transcript of that call was published on Seeking Alpha, covering management's discussion of the company's quarterly results.

Why it matters — The transcript provides Trupanion shareholders and analysts with the full unfiltered context behind the company's Q2 2026 financial results and outlook.

FAQ

Frequently asked questions about TRUP stock

What is the TRUP stock price forecast for 2026-2027?

The 6 Wall Street analysts covering Trupanion, Inc. have a median 12-month price target of $38, with estimates ranging from $29 to $45. These are third-party analyst estimates, not Ticker Nerd forecasts, and they are frequently wrong.

Is TRUP stock a buy right now?

Of the 6 analysts covering Trupanion, Inc., 3 rate it a Buy, 3 a Hold and 0 a Sell. Ticker Nerd's systematic factor model ranks Trupanion, Inc. 34 out of 100 across roughly 4,600 US stocks as at 22 Aug 2026. None of this is personal advice — it does not consider your circumstances.

How does Ticker Nerd's model rank TRUP?

As at 22 Aug 2026, Trupanion, Inc. ranks 34 out of 100 on Ticker Nerd's systematic factor model — a percentile across roughly 4,600 US stocks, built from its factor families. Its strongest factor family is Revisions (84 of 100).

Will TRUP stock go up?

No one can know that. What the data says: the median 12-month target from 6 analysts implies +22.2% from the last close, and Ticker Nerd's factor model ranks Trupanion, Inc. 34 out of 100 as at 22 Aug 2026. Analyst targets are third-party estimates and frequently wrong; none of this is personal advice.

What is the TRUP stock forecast for 2030?

No analyst covering Trupanion, Inc. publishes a 2030 price target — Wall Street targets run 12 to 18 months out. Sites quoting a 2030 price for TRUP are extrapolating price history, which says nothing about the business. The furthest attributed numbers are the current analyst targets: $29 to $45 over the next 12 months.

How has TRUP stock performed over the past year?

Trupanion, Inc. returned -34.8% over the 12 months to 21 Aug 2026, with dividends reinvested. Past performance does not indicate future returns.

What does Trupanion, Inc. do?

Trupanion Inc. offers health insurance plans tailored specifically for cats and dogs.

What is the latest news on TRUP?

The most recent item we track (Seeking Alpha, 14 Aug 2026): "Trupanion: Profitable At Last, But Still Too Expensive To Buy (Upgrade)". Trupanion's estimated economic combined ratio improved to 98.5% in H1 2026, extending the underwriting profitability first achieved in 2025, aided by operating leverage and lower acquisition costs. The H1 loss ratio declined to 71.0% from 72.1%, and management's 2026 guidance could imply $32–$40 million of net income, suggesting scale is translating into profitability.

Company

About Trupanion, Inc.

Trupanion Inc. offers health insurance plans tailored specifically for cats and dogs. Its primary mission is to provide pet owners with financial peace of mind by covering unexpected veterinary expenses. As a leader in the pet insurance industry, Trupanion addresses significant costs associated with pets' medical emergencies and ongoing care. The company distinguishes itself by offering comprehensive coverage, including surgeries, hospital stays, medications, and diagnostics. Trupanion Inc. primarily operates in North America and has a customer-centric approach with its direct-to-consumer model, enhancing customer experience and retention. The company has built partnerships with veterinary hospitals to facilitate direct payment of claims, reducing out-of-pocket expenses for pet owners. Trupanion forms part of the rapidly growing pet care market, driven by increasing pet ownership and awareness about the benefits of pet insurance. By combining technology with financial services, Trupanion plays a critical role in promoting responsible pet ownership while contributing to the broader ecosystem of pet healthcare.

CEO Ms. Margaret Rosemary Maria Tooth · 1,121 employees · United States · https://www.trupanion.com