Trupanion (NASDAQ:TRUP) Posts Q4 CY2025 Sales In Line With Estimates

Trupanion (NASDAQ:TRUP) Posts Q4 CY2025 Sales In Line With Estimates

Jabin Bastian

Fri, February 13, 2026 at 6:12 AM GMT+9 2 min read

In this article:

•                                       StockStory Top Pick 
  

  TRUP

  -0.59%

Pet insurance provider Trupanion (NASDAQ:TRUP) met Wall Street’s revenue expectations in Q4 CY2025, with sales up 11.7% year on year to $376.9 million. Its GAAP profit of $0.13 per share was 19.6% below analysts’ consensus estimates.

Is now the time to buy Trupanion? Find out in our full research report.

Trupanion (TRUP) Q4 CY2025 Highlights:

**Revenue:** $376.9 million vs analyst estimates of $375.9 million (11.7% year-on-year growth, in line)

**Pre-tax Profit:** $6.29 million (1.7% margin)

**EPS (GAAP):** $0.13 vs analyst expectations of $0.16 (19.6% miss)

**Market Capitalization:** $1.40 billion

Company Overview

Born from a vision to help pet owners avoid economic euthanasia when faced with expensive veterinary bills, Trupanion (NASDAQ:TRUP) provides medical insurance for cats and dogs through data-driven, vertically-integrated products priced specifically for each pet’s unique characteristics.

Revenue Growth

Insurance companies earn revenue from three primary sources: 1) The core insurance business itself, often called underwriting and represented in the income statement as premiums 2) Income from investing the “float” (premiums collected upfront not yet paid out as claims) in assets such as fixed-income assets and equities 3) Fees from various sources such as policy administration, annuities, or other value-added services. Luckily, Trupanion’s revenue grew at an incredible 23.4% compounded annual growth rate over the last five years. Its growth surpassed the average insurance company and shows its offerings resonate with customers, a great starting point for our analysis.

Trupanion Quarterly Revenue

We at StockStory place the most emphasis on long-term growth, but within financials, a half-decade historical view may miss recent interest rate changes, market returns, and industry trends. Trupanion’s annualized revenue growth of 13.9% over the last two years is below its five-year trend, but we still think the results suggest healthy demand.

Trupanion Year-On-Year Revenue Growth

This quarter, Trupanion’s year-on-year revenue growth was 11.7%, and its $376.9 million of revenue was in line with Wall Street’s estimates.

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Key Takeaways from Trupanion’s Q4 Results

We struggled to find many positives in these results. Overall, this quarter could have been better. The stock remained flat at $32.14 immediately following the results.

So should you invest in Trupanion right now? What happened in the latest quarter matters, but not as much as longer-term business quality and valuation, when deciding whether to invest in this stock. We cover that in our actionable full research report which you can read here, it’s free.

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