Stock Ratings / Health Care / TRUP / financials

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Trupanion Inc. (TRUP) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$30.19 +2.27% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot)

Trupanion Inc. (TRUP) carries a Roarable Rating of C (Hold) with 64/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C • HOLD / WATCH Cap $1.32B

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INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

RQD QUANT TACHOMETERHOLD / WATCH • C

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D+ · Rk B+

Each axis scored 0–20

12M PRICE TARGET CONE+2.7% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for TRUP)Realized 20D OHLCV Swing Band: ±8%

VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL • FY 2025 (10-K)

How TRUP Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$75.4M (5.2% FCF Margin)

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

■ Revenue■ Net Profit■ Free Cash Flow

FY23

Rev $1.11B

FY24

Rev $1.29B

FY25

Rev $1.44B

Fiscal Year	Revenue	Gross Margin	Op Margin	Net Profit	Free Cash Flow	ROIC %
FY 2025	$1.44B	16.1%	1%	$19.4M	$75.4M	3.1%
FY 2024	$1.29B	13.9%	-0.7%	-$9.6M	$38.6M	-2.6%
FY 2023	$1.11B	16.1%	-3.7%	-$44.7M	$18.6M	3.1%

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Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring TRUP)

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TRUP // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +25.84%▲ ASCENDING TRIANGLE

2026-10-30O $30.63H $30.63L $29.75C $30.19VOL 330.6K

SUP: $22.31SMA50: $26.89SMA200: $26.60

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

TRUP Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 TRUP Butterfly Map → + Track TRUP →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

45.1%/yr Implied 5Y Growth

vs. +11.9% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on TRUP today. View full Setup Ledger →

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No direct multi-tier Butterfly edges indexed yet for TRUP. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

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DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (TRUP)

Health Care Rank #145 of 1016 ⚔️ FRNM vs TRUP Full Matrix →

1. Head-to-Head Health Care Peer Comparison (TRUP vs. FRNM, CSTL, LMRI, ALHC)

Industry: Medical Specialities (41 Tracked Issuers)

Across 1016 tracked Health Care securities in the Roarable RQD universe, Trupanion Inc. (TRUP) ranks #145 by composite RQD confidence (64/100, grade C) and #324 by equity capitalization ($1.32B). Within this direct 5-issuer industry benchmark cohort, TRUP leads on earnings valuation at 68.2x trailing P/E, while ALHC leads on capital efficiency and profitability with 13.9% ROIC and — gross margin. ALHC currently holds the highest overall quantitative score in the immediate peer group at 67/100 (C+) compared with TRUP at 64/100 (C).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
TRUP ACTIVE Trupanion Inc.	C	64/100	68.2x	16.1%	3.1%	+2.27%	$1.32B	Benchmark Subject
FRNM Freenome Inc.	E	31/100	—	—	-3.4%	-4.32%	$1.38B	/frnm-vs-trup →
CSTL Castle Biosciences Inc.	C-	60/100	—	79.4%	-9.3%	+4.99%	$1.18B	/cstl-vs-trup →
LMRI Lumexa Imaging Holdings Inc.	D+	58/100	—	—	—	+0.95%	$1.13B	/lmri-vs-trup →
ALHC Alignment Healthcare Inc.	C+	67/100	—	—	13.9%	-1.47%	$1.67B	/alhc-vs-trup →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001371285

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Trupanion Inc. (TRUP) reported GAAP revenue of $1.44B (+11.9% vs. FY2024 revenue of $1.29B , and +29.8% cumulative change since FY2023) , GAAP net income of $19.4M, operating cash flow of $89.5M, and free cash flow of $75.4M (+95.4% YoY). On the balance sheet, TRUP closed FY2025 with $915.0M in total assets against $101.8M in total debt (Altman Z-Score: 3.17, Piotroski F-Score: 8/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$1.44B	$19.4M	$89.5M	$75.4M	$915.0M	$101.8M
FY2024 (FY)	2024-12-31	$1.29B	-$9.6M	$48.3M	$38.6M	$806.9M	$127.5M
FY2023 (FY)	2023-12-31	$1.11B	-$44.7M	$18.6M	$18.6M	—	—

3. TRUP Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is TRUP stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Trupanion Inc. (NASDAQ: TRUP) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 64/100 at a spot price of $30.19 (+2.27% 1D, market cap $1.32B). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 12/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 16/20, and SEC Balance-Sheet Forensics 11/20. Across 1016 tracked Health Care issuers, TRUP ranks #145 in composite RQD confidence.

How does TRUP compare to FRNM and CSTL in the Health Care sector?

Within the Health Care sector (Medical Specialities), TRUP carries a Roarable C (64/100 RQD), trailing P/E of 68.2x, gross margin of 16.1%, and ROIC of 3.1%. By comparison, FRNM (Freenome Inc.) holds a E grade (31/100 RQD, P/E N/A, ROIC -3.4%, cap $1.38B) and CSTL (Castle Biosciences Inc.) posts a C- grade (60/100 RQD, P/E N/A, ROIC -9.3%, cap $1.18B). Among the 5-stock peer group, TRUP leads on earnings multiple (68.2x) while ALHC leads on capital efficiency (13.9% ROIC).

What are the biggest fundamental strengths and SEC risk factors for TRUP?

Per TRUP's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001371285), Trupanion Inc. generated $1.44B in revenue (+11.9% YoY), $19.4M in net income, and $75.4M in free cash flow against $915.0M in total assets and $101.8M in total debt. Key quantitative strengths: Clean SEC annual filing review with no major hidden accounting time-bombs.. Primary risk factors monitored: Priced at 68x earnings—high expectations leave less room for a lukewarm quarter.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is TRUP trading relative to its 50-day, 200-day, and 52-week technical levels?

TRUP last traded at $30.19 (+2.27% on volume of 373,245 shares), positioning the stock +12.27% above its 50-day simple moving average ($26.89) and +13.50% above its 200-day simple moving average ($26.60). Across its 52-week range of $21.16 to $46.98, TRUP sits at the 35.0% percentile with a 14-day RSI of 67.4 (BULLISH MOMENTUM) and an implied next-earnings move of ±8.0% ($27.77 to $32.61).