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Trupanion

Trupanion Inc is a specialty insurance products provider in the United States. Its core business is the sale of insurance products tailor-made for pets, especially cats and dogs. It operates in two business segments: The subscription business segment generates revenue primarily from subscription fees related to the Company's direct-to-consumer products and Other business segment is comprised of revenue from other product offerings that generally have a business-to-business relationship and a different margin profile than subscription business segment, including revenue from writing policies on behalf of third parties and revenue from other products and software solutions.

Konskie,,Poland,-,May,30,,2024:,Trupanion,Company,Logo,Displayed

Analyst Color

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Upgrades

Analyst Ratings

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TRUP

Trupanion is improving due to a decline in the company&#39;s input costs, Piper Sandler cites several &#34;catalysts on the horizon.&#34;

Pet Insurer Trupanion Has Several Catalysts For 2025 As Investor Sentiment Improves: Analyst

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CHWY

SEC charged Austin Kauh with insider trading before Chewy and Trupanion&#39;s partnership announcement, resulting in $4,344 in gains.

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Trupanion, Inc. (NASDAQ: TRUP) has been benefiting from a focus on pet health and well-being in an underpenetrated pet insurance market, product launches, extended operating boundaries, as well as sufficient liquidity.

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Trupanion Inc

While investor sentiment <a href="https://www.benzinga.com/topic/pet-insurance">for pet insurance provider</a> Trupanion Inc (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/TRUP#NASDAQ">TRUP</a>) is improving due to a decline in the company's input costs, the stock has several "catalysts on the horizon," according to Piper Sandler.
The Trupanion Analyst: <a href="https://www.benzinga.com/analyst-stock-ratings/analyst/5a047addefacff0001df2095/john-barnidge">Analyst John Barnidge</a> upgraded the rating for Trupanion from Neutral to Overweight, while maintaining the price target at $57.
The Trupanion Thesis: Investors now have a better understanding of the drag from Pet's Best on the company's 2025, Barnidge said in the upgrade note.
Check out <a href="https://www.benzinga.com/analyst-stock-ratings">other analyst stock ratings</a>.
On the other hand, Trupanion's underlying Subscription business "retains strong growth characteristics," he added.
Continued compounding of multi-year interest rate hikes have led to a faster improvement in underwriting, while higher speed of claims processing may support the "meeting of the growth demands for a growing product category," the analyst stated.
A year back, investors were concerned about "two material weaknesses &#8211; one in financial controls and the other on tech," which may be lifted by Trupanion's 2024 10-K filing showing that the company has taken remediation actions, Barnidge wrote.
The stock is currently trading at lower multiples than "many insurance brokers," he added.
TRUP Price Action: Shares of Trupanion had risen by3.72% to $48.25 at the time of publication on Thursday.
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Top Wall Street analysts changed their outlook on these top names. For a complete view of all analyst rating changes, including upgrades, downgrades and initiations, please see our <a href="https://www.benzinga.com/analyst-stock-ratings">analyst ratings page</a>.
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<li>Morgan Stanley analyst Erik Woodring upgraded Logitech International S.A. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/LOGI#NASDAQ">LOGI</a>) from Underweight to Equal-Weight and raised the price target from $73 to $92. Logitech shares closed at $87.85 on Wednesday. <a href="https://www.benzinga.com/quote/LOGI/analyst-ratings">See how other analysts view this stock</a>.</li>
<li>Piper Sandler analyst Alexander Potter upgraded the rating for Aptiv PLC (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/APTV#NYSE">APTV</a>) from Underweight to Neutral and boosted the price target from $53 to $65 Aptiv shares closed at $62.73 on Wednesday. <a href="https://www.benzinga.com/quote/APTV/analyst-ratings">See how other analysts view this stock</a>.</li>
<li>Raymond James analyst Steve Moss upgraded First Community Corporation (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/FCCO#NASDAQ">FCCO</a>) from Outperform to Strong Buy and raised the price target from $27 to $30. First Community shares closed at $24.57 on Wednesday. <a href="https://www.benzinga.com/quote/FCCO/analyst-ratings">See how other analysts view this stock</a>.</li>
<li>Piper Sandler analyst John Barnidge upgraded the rating for Trupanion, Inc (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/TRUP#NASDAQ">TRUP</a>) from Neutral to Overweight and maintained the price target of $57. Trupanion shares closed at $46.52 on Wednesday. <a href="https://www.benzinga.com/quote/TRUP/analyst-ratings">See how other analysts view this stock.</a></li>
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During the last three months, 4 analysts shared their evaluations of Trupanion (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/TRUP#NASDAQ">TRUP</a>), revealing diverse outlooks from bullish to bearish.
In the table below, you'll find a summary of their recent ratings, revealing the shifting sentiments over the past 30 days and comparing them to the previous months.
<table>
<thead>
<tr>
<th></th>
<th align="right">Bullish</th>
<th align="right">Somewhat Bullish</th>
<th align="right">Indifferent</th>
<th align="right">Somewhat Bearish</th>
<th align="right">Bearish</th>
</tr>
</thead>
<tbody>
<tr>
<td>Total Ratings</td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">3</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>Last 30D</td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>1M Ago</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>2M Ago</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>3M Ago</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">2</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
</tbody>
</table>
Providing deeper insights, analysts have established 12-month price targets, indicating an average target of $52.0, along with a high estimate of $57.00 and a low estimate of $44.00. This current average reflects an increase of 10.05% from the previous average price target of $47.25. 
<img src="https://www.benzinga.com/files/images/story/2025/1737633636_0.png" alt="price target chart" />
<h2>Breaking Down Analyst Ratings: A Detailed Examination</h2>
The standing of Trupanion among financial experts becomes clear with a thorough analysis of recent analyst actions. The summary below outlines key analysts, their recent evaluations, and adjustments to ratings and price targets.
<table>
<thead>
<tr>
<th>Analyst</th>
<th>Analyst Firm</th>
<th>Action Taken</th>
<th>Rating</th>
<th>Current Price Target</th>
<th>Prior Price Target</th>
</tr>
</thead>
<tbody>
<tr>
<td>John Barnidge</td>
<td>Piper Sandler</td>
<td>Maintains</td>
<td>Overweight</td>
<td>$57.00</td>
<td>$57.00</td>
</tr>
<tr>
<td>Jonathan Block</td>
<td>Stifel</td>
<td>Raises</td>
<td>Hold</td>
<td>$44.00</td>
<td>$42.00</td>
</tr>
<tr>
<td>Greg Gibas</td>
<td>Northland Capital Markets</td>
<td>Raises</td>
<td>Market Perform</td>
<td>$50.00</td>
<td>$45.00</td>
</tr>
<tr>
<td>John Barnidge</td>
<td>Piper Sandler</td>
<td>Raises</td>
<td>Neutral</td>
<td>$57.00</td>
<td>$45.00</td>
</tr>
</tbody>
</table>
<h3>Key Insights:</h3>
<ul>
<li>Action Taken: Analysts respond to changes in market conditions and company performance, frequently updating their recommendations. Whether they 'Maintain', 'Raise' or 'Lower' their stance, it reflects their reaction to recent developments related to Trupanion. This information offers a snapshot of how analysts perceive the current state of the company.</li>
<li>Rating: Analysts unravel qualitative evaluations for stocks, ranging from 'Outperform' to 'Underperform'. These ratings offer insights into expectations for the relative performance of Trupanion compared to the broader market.</li>
<li>Price Targets: Analysts navigate through adjustments in price targets, providing estimates for Trupanion's future value. Comparing current and prior targets offers insights into analysts' evolving expectations.</li>
</ul>
Analyzing these analyst evaluations alongside relevant financial metrics can provide a comprehensive view of Trupanion's market position. Stay informed and make data-driven decisions with the assistance of our Ratings Table.
<a href="https://www.benzinga.com/quote/TRUP/analyst-ratings?utm_source=Benzinga Insights">Stay up to date on Trupanion analyst ratings.</a>
<h2>Unveiling the Story Behind Trupanion</h2>
Trupanion Inc is a specialty insurance products provider in the United States. Its core business is the sale of insurance products tailor-made for pets, especially cats and dogs. It operates in two business segments: The subscription business segment generates revenue primarily from subscription fees related to the Company's direct-to-consumer products and Other business segment is comprised of revenue from other product offerings that generally have a business-to-business relationship and a different margin profile than subscription business segment, including revenue from writing policies on behalf of third parties and revenue from other products and software solutions.
<h3>Financial Milestones: Trupanion's Journey</h3>
Market Capitalization Analysis: The company's market capitalization is below the industry average, suggesting that it is relatively smaller compared to peers. This could be due to various factors, including perceived growth potential or operational scale.
Positive Revenue Trend: Examining Trupanion's financials over 3 months reveals a positive narrative. The company achieved a noteworthy revenue growth rate of 14.55% as of 30 September, 2024, showcasing a substantial increase in top-line earnings. When compared to others in the Financials sector, the company faces challenges, achieving a growth rate lower than the average among peers.
Net Margin: Trupanion's net margin is below industry standards, pointing towards difficulties in achieving strong profitability. With a net margin of 0.44%, the company may encounter challenges in effective cost control.
Return on Equity (ROE): Trupanion's ROE lags behind industry averages, suggesting challenges in maximizing returns on equity capital. With an ROE of 0.46%, the company may face hurdles in achieving optimal financial performance.
Return on Assets (ROA): Trupanion's ROA falls below industry averages, indicating challenges in efficiently utilizing assets. With an ROA of 0.18%, the company may face hurdles in generating optimal returns from its assets.
Debt Management: Trupanion's debt-to-equity ratio surpasses industry norms, standing at 0.4. This suggests the company carries a substantial amount of debt, posing potential financial challenges.
<h2>The Significance of Analyst Ratings Explained</h2>
Experts in banking and financial systems, analysts specialize in reporting for specific stocks or defined sectors. Their comprehensive research involves attending company conference calls and meetings, analyzing financial statements, and engaging with insiders to generate what are known as analyst ratings for stocks. Typically, analysts assess and rate each stock once per quarter.
Some analysts will also offer forecasts for metrics like growth estimates, earnings, and revenue to provide further guidance on stocks. Investors who use analyst ratings should note that this specialized advice comes from humans and may be subject to error.
Breaking: Wall Street's Next Big Mover
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This article was generated by Benzinga's automated content engine and reviewed by an editor.

Assessing Trupanion: Insights From 4 Financial Analysts

Piper Sandler analyst John Barnidge upgrades Trupanion (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/TRUP#NASDAQ">TRUP</a>) from Neutral to Overweight and maintains the price target from $57 to $57.

Price Target

Piper Sandler Upgrades Trupanion to Overweight, Maintains Price Target to $57

Stifel analyst Jonathan Block maintains Trupanion (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/TRUP#NASDAQ">TRUP</a>) with a Hold and raises the price target from $42 to $44.

Stifel Maintains Hold on Trupanion, Raises Price Target to $44

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Shares of financial companies are trading lower amid overall market weakness following the Fed's rate decision to cut rates by 25 basis points.

Northland Capital Markets analyst Greg Gibas maintains Trupanion (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/TRUP#NASDAQ">TRUP</a>) with a Market Perform and raises the price target from $45 to $50.

Northland Capital Markets Maintains Market Perform on Trupanion, Raises Price Target to $50

Piper Sandler analyst John Barnidge maintains Trupanion (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/TRUP#NASDAQ">TRUP</a>) with a Neutral and raises the price target from $45 to $57.

Piper Sandler Maintains Neutral on Trupanion, Raises Price Target to $57

Trupanion (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/TRUP#NASDAQ">TRUP</a>) sees Q4 sales of $333.000 million-338.000 million vs $329.28 million estimate.

Guidance

Trupanion Sees Q4 Sales $333.000M-338.000M vs $329.28M Est.

Trupanion (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/TRUP#NASDAQ">TRUP</a>) raises FY2024 sales outlook from $1.26 billion-1.28 billion to $1.28 billion-1.29 billion.

Trupanion Raises FY2024 Sales Guidance from $1.26B-1.28B to $1.28B-1.29B.

Trupanion shares are trading lower. The company reported Q3 financial results.

Trupanion (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/TRUP#NASDAQ">TRUP</a>) reported quarterly earnings of $0.03 per share which beat the analyst consensus estimate of $(0.06) by 150 percent. This is a 130 percent increase over losses of $(0.10) per share from the same period last year. The company reported quarterly sales of $327.456 million which beat the analyst consensus estimate of $321.803 million by 1.76 percent. This is a 14.55 percent increase over sales of $285.853 million the same period last year.

Trupanion Q3 2024 GAAP EPS $0.03 Beats $(0.06) Estimate, Sales $327.456M Beat $321.803M Estimate

Piper Sandler analyst John Barnidge maintains Trupanion (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/TRUP#NASDAQ">TRUP</a>) with a Neutral and raises the price target from $38 to $45.

Piper Sandler Maintains Neutral on Trupanion, Raises Price Target to $45

On Friday, the SEC <a target="_blank" href="https://www.sec.gov/enforcement-litigation/administrative-proceedings/34-101202-s" rel="noreferrer noopener">disclosed settling charges</a> against Austin Kauh of Wilton, CT, for insider trading before the December 2021 announcement that Kauh&#8217;s employer, Chewy, Inc (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CHWY#NYSE">CHWY</a>) collaborated with Trupanion, Inc (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/TRUP#NASDAQ">TRUP</a>).
According to the SEC&#8217;s order, Kauh was part of Chewy&#8217;s due diligence team during the period leading up to the announcement.
In this role, he learned about plans for a partnership that would allow Trupanion to offer an exclusive suite of pet health insurance and wellness plans to more than 20 million Chewy customers.&nbsp;
Also Read: <a target="_blank" href="https://www.benzinga.com/insights/news/24/09/41068853/adobe-chair-and-ceo-sold-13-04m-in-company-stock" rel="noreferrer noopener">Adobe Chair and CEO Sold $13.04M In Company Stock</a>
<figure class="wp-block-image size-full"><img loading="lazy" decoding="async" width="750" height="650" src="https://editorial-assets.benzinga.com/wp-content/uploads/2024/09/30124615/newplot-1-8.png" alt="" class="wp-image-572907" srcset="https://editorial-assets.benzinga.com/wp-content/uploads/2024/09/30124615/newplot-1-8.png 750w,https://editorial-assets.benzinga.com/wp-content/uploads/2024/09/30124615/newplot-1-8-300x260.png 300w" sizes="(max-width: 750px) 100vw, 750px" /></figure>
Between June 10, 2021, and August 25, 2021, Kauh purchased Trupanion stock using this material nonpublic information in violation of his duties to his employer.&nbsp;
Kauh conducted this trading in his personal account and in an account held in the name of another person.&nbsp;
When Trupanion&#8217;s stock price rose by 39% following the announcement, Kauh generated ill-gotten gains of $4,344 in his account and $12,093 in the other.&nbsp;
The SEC&#8217;s order finds that Kauh violated the SEC&#8217;s antifraud provisions.&nbsp;
Without admitting or denying the SEC&#8217;s findings, Kauh consented to the issuance of a cease-and-desist order and a five-year bar from acting as an officer or director of a public company and agreed to pay disgorgement of $4,344, prejudgment interest of $634.79, and a civil penalty of $30,297.14.
Chewy stock is up over 57% in the last 12 months. Trupanion&nbsp;stock is up over 57%.
Price Action: CHWY stock is down 2.34% at $29.27 at last check Monday.
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Photo via Shutterstock.

Stifel analyst Jonathan Block maintains Trupanion (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/TRUP#NASDAQ">TRUP</a>) with a Hold and raises the price target from $30 to $40.

Stifel Maintains Hold on Trupanion, Raises Price Target to $40

Trupanion (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/TRUP#NASDAQ">TRUP</a>) underwent analysis by 6 analysts in the last quarter, revealing a spectrum of viewpoints from bullish to bearish.
The following table provides a quick overview of their recent ratings, highlighting the changing sentiments over the past 30 days and comparing them to the preceding months.
<table>
<thead>
<tr>
<th></th>
<th style="text-align: right;">Bullish</th>
<th style="text-align: right;">Somewhat Bullish</th>
<th style="text-align: right;">Indifferent</th>
<th style="text-align: right;">Somewhat Bearish</th>
<th style="text-align: right;">Bearish</th>
</tr>
</thead>
<tbody>
<tr>
<td>Total Ratings</td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">5</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td>Last 30D</td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td>1M Ago</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td>2M Ago</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">3</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td>3M Ago</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
</tbody>
</table>
Insights from analysts' 12-month price targets are revealed, presenting an average target of $39.0, a high estimate of $56.00, and a low estimate of $30.00. Marking an increase of 25.81%, the current average surpasses the previous average price target of $31.00. 
<img src="https://www.benzinga.com/files/images/story/2024/1726837243_0.png" alt="price target chart" />
<h2>Decoding Analyst Ratings: A Detailed Look</h2>
The standing of Trupanion among financial experts is revealed through an in-depth exploration of recent analyst actions. The summary below outlines key analysts, their recent evaluations, and adjustments to ratings and price targets.
<table>
<thead>
<tr>
<th>Analyst</th>
<th>Analyst Firm</th>
<th>Action Taken</th>
<th>Rating</th>
<th>Current Price Target</th>
<th>Prior Price Target</th>
</tr>
</thead>
<tbody>
<tr>
<td>Joshua Shanker</td>
<td>B of A Securities</td>
<td>Raises</td>
<td>Buy</td>
<td>$56.00</td>
<td>$47.00</td>
</tr>
<tr>
<td>Greg Gibas</td>
<td>Northland Capital Markets</td>
<td>Raises</td>
<td>Market Perform</td>
<td>$45.00</td>
<td>$35.00</td>
</tr>
<tr>
<td>Greg Gibas</td>
<td>Northland Capital Markets</td>
<td>Raises</td>
<td>Market Perform</td>
<td>$35.00</td>
<td>$30.00</td>
</tr>
<tr>
<td>John Barnidge</td>
<td>Piper Sandler</td>
<td>Raises</td>
<td>Neutral</td>
<td>$38.00</td>
<td>$30.00</td>
</tr>
<tr>
<td>Jonathan Block</td>
<td>Stifel</td>
<td>Raises</td>
<td>Hold</td>
<td>$30.00</td>
<td>$22.00</td>
</tr>
<tr>
<td>John Barnidge</td>
<td>Piper Sandler</td>
<td>Raises</td>
<td>Neutral</td>
<td>$30.00</td>
<td>$22.00</td>
</tr>
</tbody>
</table>
<h3>Key Insights:</h3>
<ul>
<li>Action Taken: Analysts frequently update their recommendations based on evolving market conditions and company performance. Whether they 'Maintain', 'Raise' or 'Lower' their stance, it reflects their reaction to recent developments related to Trupanion. This information provides a snapshot of how analysts perceive the current state of the company.</li>
<li>Rating: Providing a comprehensive analysis, analysts offer qualitative assessments, ranging from 'Outperform' to 'Underperform'. These ratings reflect expectations for the relative performance of Trupanion compared to the broader market.</li>
<li>Price Targets: Analysts explore the dynamics of price targets, providing estimates for the future value of Trupanion's stock. This examination reveals shifts in analysts' expectations over time.</li>
</ul>
Navigating through these analyst evaluations alongside other financial indicators can contribute to a holistic understanding of Trupanion's market standing. Stay informed and make data-driven decisions with our Ratings Table.
<a href="https://www.benzinga.com/quote/TRUP/analyst-ratings?utm_source=Benzinga Insights">Stay up to date on Trupanion analyst ratings.</a>
If you are interested in following small-cap stock news and performance <a href="https://www.benzinga.com/news/small-cap">you can start by tracking it here</a>.
<h2>All You Need to Know About Trupanion</h2>
Trupanion Inc is a specialty insurance products provider in the United States. Its core business is the sale of insurance products tailor-made for pets, especially cats and dogs. It operates in two business segments: The subscription business segment generates revenue primarily from subscription fees related to the Company's direct-to-consumer products and Other business segment is comprised of revenue from other product offerings that generally have a business-to-business relationship and a different margin profile than subscription business segment, including revenue from writing policies on behalf of third parties and revenue from other products and software solutions.
<h3>Trupanion's Economic Impact: An Analysis</h3>
Market Capitalization: Indicating a reduced size compared to industry averages, the company's market capitalization poses unique challenges.
Revenue Growth: Trupanion's revenue growth over a period of 3 months has been noteworthy. As of 30 June, 2024, the company achieved a revenue growth rate of approximately 16.35%. This indicates a substantial increase in the company's top-line earnings. When compared to others in the Financials sector, the company faces challenges, achieving a growth rate lower than the average among peers.
Net Margin: Trupanion's net margin is below industry standards, pointing towards difficulties in achieving strong profitability. With a net margin of -1.86%, the company may encounter challenges in effective cost control.
Return on Equity (ROE): The company's ROE is below industry benchmarks, signaling potential difficulties in efficiently using equity capital. With an ROE of -1.92%, the company may need to address challenges in generating satisfactory returns for shareholders.
Return on Assets (ROA): Trupanion's ROA is below industry standards, pointing towards difficulties in efficiently utilizing assets. With an ROA of -0.74%, the company may encounter challenges in delivering satisfactory returns from its assets.
Debt Management: Trupanion's debt-to-equity ratio is below the industry average at 0.42, reflecting a lower dependency on debt financing and a more conservative financial approach.
<h2>Understanding the Relevance of Analyst Ratings</h2>
Within the domain of banking and financial systems, analysts specialize in reporting for specific stocks or defined sectors. Their work involves attending company conference calls and meetings, researching company financial statements, and communicating with insiders to publish "analyst ratings" for stocks. Analysts typically assess and rate each stock once per quarter.
Some analysts also offer predictions for helpful metrics such as earnings, revenue, and growth estimates to provide further guidance as to what to do with certain tickers. It is important to keep in mind that while stock and sector analysts are specialists, they are also human and can only forecast their beliefs to traders.
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This article was generated by Benzinga's automated content engine and reviewed by an editor.

Unveiling 6 Analyst Insights On Trupanion

B of A Securities analyst Joshua Shanker maintains Trupanion (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/TRUP#NASDAQ">TRUP</a>) with a Buy and raises the price target from $47 to $56.

B of A Securities Maintains Buy on Trupanion, Raises Price Target to $56

Trupanion (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/TRUP#NASDAQ">TRUP</a>) underwent analysis by 5 analysts in the last quarter, revealing a spectrum of viewpoints from bullish to bearish.
The following table summarizes their recent ratings, shedding light on the changing sentiments within the past 30 days and comparing them to the preceding months.
<table>
<thead>
<tr>
<th></th>
<th style="text-align: right;">Bullish</th>
<th style="text-align: right;">Somewhat Bullish</th>
<th style="text-align: right;">Indifferent</th>
<th style="text-align: right;">Somewhat Bearish</th>
<th style="text-align: right;">Bearish</th>
</tr>
</thead>
<tbody>
<tr>
<td>Total Ratings</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">5</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td>Last 30D</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td>1M Ago</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td>2M Ago</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">3</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td>3M Ago</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
</tbody>
</table>
Analysts have recently evaluated Trupanion and provided 12-month price targets. The average target is $35.6, accompanied by a high estimate of $45.00 and a low estimate of $30.00. Observing a 28.06% increase, the current average has risen from the previous average price target of $27.80. 
<img src="https://www.benzinga.com/files/images/story/2024/1726771569_0.png" alt="price target chart" />
<h2>Exploring Analyst Ratings: An In-Depth Overview</h2>
The standing of Trupanion among financial experts is revealed through an in-depth exploration of recent analyst actions. The summary below outlines key analysts, their recent evaluations, and adjustments to ratings and price targets.
<table>
<thead>
<tr>
<th>Analyst</th>
<th>Analyst Firm</th>
<th>Action Taken</th>
<th>Rating</th>
<th>Current Price Target</th>
<th>Prior Price Target</th>
</tr>
</thead>
<tbody>
<tr>
<td>Greg Gibas</td>
<td>Northland Capital Markets</td>
<td>Raises</td>
<td>Market Perform</td>
<td>$45.00</td>
<td>$35.00</td>
</tr>
<tr>
<td>Greg Gibas</td>
<td>Northland Capital Markets</td>
<td>Raises</td>
<td>Market Perform</td>
<td>$35.00</td>
<td>$30.00</td>
</tr>
<tr>
<td>John Barnidge</td>
<td>Piper Sandler</td>
<td>Raises</td>
<td>Neutral</td>
<td>$38.00</td>
<td>$30.00</td>
</tr>
<tr>
<td>Jonathan Block</td>
<td>Stifel</td>
<td>Raises</td>
<td>Hold</td>
<td>$30.00</td>
<td>$22.00</td>
</tr>
<tr>
<td>John Barnidge</td>
<td>Piper Sandler</td>
<td>Raises</td>
<td>Neutral</td>
<td>$30.00</td>
<td>$22.00</td>
</tr>
</tbody>
</table>
<h3>Key Insights:</h3>
<ul>
<li>Action Taken: Responding to changing market dynamics and company performance, analysts update their recommendations. Whether they 'Maintain', 'Raise', or 'Lower' their stance, it signifies their response to recent developments related to Trupanion. This offers insight into analysts' perspectives on the current state of the company.</li>
<li>Rating: Offering a comprehensive view, analysts assess stocks qualitatively, spanning from 'Outperform' to 'Underperform'. These ratings convey expectations for the relative performance of Trupanion compared to the broader market.</li>
<li>Price Targets: Analysts gauge the dynamics of price targets, providing estimates for the future value of Trupanion's stock. This comparison reveals trends in analysts' expectations over time.</li>
</ul>
Considering these analyst evaluations in conjunction with other financial indicators can offer a comprehensive understanding of Trupanion's market position. Stay informed and make well-informed decisions with our Ratings Table.
<a href="https://www.benzinga.com/quote/TRUP/analyst-ratings?utm_source=Benzinga Insights">Stay up to date on Trupanion analyst ratings.</a>
If you are interested in following small-cap stock news and performance <a href="https://www.benzinga.com/news/small-cap">you can start by tracking it here</a>.
<h2>Get to Know Trupanion Better</h2>
Trupanion Inc is a specialty insurance products provider in the United States. Its core business is the sale of insurance products tailor-made for pets, especially cats and dogs. It operates in two business segments: The subscription business segment generates revenue primarily from subscription fees related to the Company's direct-to-consumer products and Other business segment is comprised of revenue from other product offerings that generally have a business-to-business relationship and a different margin profile than subscription business segment, including revenue from writing policies on behalf of third parties and revenue from other products and software solutions.
<h3>Trupanion: A Financial Overview</h3>
Market Capitalization: With restricted market capitalization, the company is positioned below industry averages. This reflects a smaller scale relative to peers.
Revenue Growth: Trupanion's revenue growth over a period of 3 months has been noteworthy. As of 30 June, 2024, the company achieved a revenue growth rate of approximately 16.35%. This indicates a substantial increase in the company's top-line earnings. As compared to its peers, the revenue growth lags behind its industry peers. The company achieved a growth rate lower than the average among peers in Financials sector.
Net Margin: Trupanion's net margin falls below industry averages, indicating challenges in achieving strong profitability. With a net margin of -1.86%, the company may face hurdles in effective cost management.
Return on Equity (ROE): Trupanion's ROE lags behind industry averages, suggesting challenges in maximizing returns on equity capital. With an ROE of -1.92%, the company may face hurdles in achieving optimal financial performance.
Return on Assets (ROA): Trupanion's ROA falls below industry averages, indicating challenges in efficiently utilizing assets. With an ROA of -0.74%, the company may face hurdles in generating optimal returns from its assets.
Debt Management: Trupanion's debt-to-equity ratio is below the industry average. With a ratio of 0.42, the company relies less on debt financing, maintaining a healthier balance between debt and equity, which can be viewed positively by investors.
<h2>The Core of Analyst Ratings: What Every Investor Should Know</h2>
Within the domain of banking and financial systems, analysts specialize in reporting for specific stocks or defined sectors. Their work involves attending company conference calls and meetings, researching company financial statements, and communicating with insiders to publish "analyst ratings" for stocks. Analysts typically assess and rate each stock once per quarter.
Some analysts publish their predictions for metrics such as growth estimates, earnings, and revenue to provide additional guidance with their ratings. When using analyst ratings, it is important to keep in mind that stock and sector analysts are also human and are only offering their opinions to investors.
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This article was generated by Benzinga's automated content engine and reviewed by an editor.

5 Analysts Have This To Say About Trupanion

Northland Capital Markets analyst Greg Gibas maintains Trupanion (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/TRUP#NASDAQ">TRUP</a>) with a Market Perform and raises the price target from $35 to $45.

Northland Capital Markets Maintains Market Perform on Trupanion, Raises Price Target to $45

Trupanion, Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/TRUP#NASDAQ">TRUP</a>), the leading global provider of medical insurance for cats and dogs, announced today the official launch of its high-quality Trupanion product in Germany and Switzerland. The launch follows the Company's expansion to Continental Europe in 2022 with the acquisition of two rapidly growing pet insurance companies with strong expertise in the region. &nbsp;

Global

Trupanion Announces The Official Launch Of Its High-Quality Trupanion Product In Germany And Switzerland

Press Releases

Trupanion, Inc. Announces Third Quarter 2024 Earnings Release and Conference Call

The Pet Hazard Decking Your Halls: truInsights into Foreign Body Ingestion & Holiday Decor

Trupanion Reports Third Quarter 2024 Results

Trupanion Connects Families and Shelter Pets Just in Time for National Animal Shelter Appreciation Week

General

"Lexi" Pushes Trupanion Past $3 Billion, Helping over 2.4 Million Pets and Counting

Health Care

Economics

Cold and Creaky: truInsights into How Winter Weather Impacts our Pets

Trupanion Named Top Employer in Six Categories at VIBE Awards

Contracts

URvet Care Taps Trupanion to Offer Seamless Payment Solution for Veterinary Care

Trupanion Named Best Place to Work in 2025

Trupanion, Inc. Announces Fourth Quarter and Full Year 2024 Earnings Release and Conference Call


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