Trupanion (TRUP) stock price, revenue, and financials

Trupanion market cap is $2.5 b, and annual revenue was $502.03 m in FY 2020

$2.5 B

TRUP Mkt cap, 12-May-2022

$154.7 M

Trupanion Revenue Q1, 2021
Trupanion Gross profit (Q1, 2021)21.1 M
Trupanion Gross profit margin (Q1, 2021), %13.6%
Trupanion Net income (Q1, 2021)-12.4 M
Trupanion EBIT (Q1, 2021)-12.7 M
Trupanion Cash, 31-Mar-2021133.1 M
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Trupanion Revenue Breakdown

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Trupanion revenue breakdown by business segment: 92.1% from Subscription business and 7.9% from Other business

Trupanion Income Statement

Annual

USDFY, 2014FY, 2015FY, 2016FY, 2017FY, 2018FY, 2019FY, 2020

Revenue

115.9m147.0m188.2m242.7m304.0m383.9m502.0m

Revenue growth, %

27%28%

Cost of goods sold

420.1m

Gross profit

81.9m

Gross profit Margin, %

16%

Sales and marketing expense

11.6m15.2m15.2m19.1m25.0m35.5m47.8m

R&D expense

9.9m11.2m9.5m9.8m9.2m

General and administrative expense

14.3m15.6m15.2m16.8m18.2m21.0m21.8m

Operating expense total

35.8m42.0m40.0m45.7m52.4m66.8m86.8m

Depreciation and amortization

7.1m

EBIT

(15.9m)(16.8m)(6.7m)(2.6m)(1.0m)(1.9m)(4.9m)

EBIT margin, %

(14%)(11%)(4%)(1%)0%(1%)(1%)

Interest expense

6.7m325.0k218.0k533.0k1.2m1.3m1.4m

Investment income

(352.0k)(126.0k)

Pre tax profit

(21.2m)(17.1m)(6.9m)(1.9m)(934.0k)(1.6m)(5.7m)

Income tax expense

(7.0k)114.0k38.0k(428.0k)(7.0k)169.0k113.0k

Net Income

(21.2m)(17.2m)(6.9m)(1.5m)(927.0k)(1.8m)(5.8m)

Quarterly

USDQ2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q3, 2017Q1, 2018Q2, 2018Q3, 2018Q1, 2019Q2, 2019Q3, 2019Q1, 2020Q2, 2020Q3, 2020Q1, 2021

Revenue

28.1m30.3m33.3m35.6m37.9m42.7m45.8m48.4m54.7m58.3m63.1m69.8m73.4m78.2m87.0m92.2m99.3m111.3m117.9m130.1m154.7m

Cost of goods sold

133.6m

Gross profit

21.1m

Gross profit Margin, %

14%

Sales and marketing expense

2.8m2.9m3.7m3.5m4.1m3.8m3.6m3.9m4.1m4.4m4.9m5.9m5.7m6.4m8.2m8.8m9.3m10.4m9.2m13.3m19.7m

R&D expense

2.6m2.5m2.8m2.9m3.0m2.3m2.2m2.3m2.4m2.3m2.5m2.2m2.3m2.3m2.7m

General and administrative expense

3.3m4.4m3.7m4.0m4.1m3.7m3.5m3.8m4.0m4.2m4.0m4.5m4.6m4.2m5.4m5.2m5.0m5.5m6.1m6.1m7.2m

Operating expense total

8.7m9.9m10.1m10.4m11.2m9.8m9.2m10.0m10.5m10.9m11.4m12.6m12.6m12.8m16.3m16.8m16.6m18.9m18.4m22.8m33.8m

Depreciation and amortization

3.1m

EBIT

(3.5m)(5.4m)(4.6m)(4.6m)(4.6m)(2.5m)(957.0k)(1.5m)(1.3m)(588.0k)457.0k(1.5m)(257.0k)906.0k(1.3m)(2.1m)843.0k(1.0m)1.5m(2.3m)(12.7m)

EBIT margin, %

(12%)(18%)(14%)(13%)(12%)(6%)(2%)(3%)(2%)(1%)1%(2%)0%1%(1%)(2%)1%(1%)1%(2%)(8%)

Interest expense

726.0k5.2m245.0k40.0k14.0k30.0k41.0k66.0k137.0k109.0k124.0k219.0k332.0k336.0k317.0k317.0k340.0k379.0k341.0k324.0k

Investment income

(272.0k)(59.0k)(59.0k)(27.0k)2.0k(85.0k)

Pre tax profit

(3.5m)(8.5m)(4.8m)(4.6m)(4.6m)(2.6m)(960.0k)(1.6m)(1.5m)415.0k432.0k(1.6m)(286.0k)1.2m(1.3m)(2.0m)800.0k(1.1m)1.4m(2.5m)(12.7m)

Income tax expense

7.0k14.0k108.0k(22.0k)16.0k14.0k4.0k13.0k24.0k4.0k26.0k(95.0k)91.0k(7.0k)40.0k(46.0k)18.0k26.0k17.0k26.0k(217.0k)

Net Income

(3.5m)(8.5m)(4.9m)(4.6m)(4.6m)(2.6m)(964.0k)(1.6m)(1.5m)411.0k406.0k(1.5m)(377.0k)1.2m(1.3m)(1.9m)782.0k(1.1m)1.4m(2.6m)(12.4m)

Trupanion Balance Sheet

Annual

USDFY, 2014FY, 2015FY, 2016FY, 2017FY, 2018FY, 2019FY, 2020

Cash

53.1m18.0m23.6m25.7m26.6m29.2m139.9m

Accounts Receivable

20.4m31.6m54.4m99.1m

Prepaid Expenses

2.9m5.3m5.5m8.2m

Current Assets

84.7m53.6m65.4m86.6m118.0m158.8m337.0m

PP&E

7.9m9.7m8.5m7.9m69.8m70.4m72.6m

Goodwill

33.0m

Total Assets

98.3m70.9m82.3m105.9m207.5m257.2m498.3m

Accounts Payable

2.0m1.3m2.0m2.7m2.8m4.1m6.1m

Current Liabilities

22.5m23.6m30.7m45.9m63.2m91.6m150.4m

Long-term debt

14.9m4.8m9.3m12.9m26.1m

Total Debt

4.8m9.3m12.9m26.1m

Total Liabilities

37.6m57.4m78.3m120.4m158.3m

Common Stock

Preferred Stock

Additional Paid-in Capital

119.0m122.8m129.6m134.5m219.8m232.7m439.0m

Retained Earnings

(57.2m)(74.4m)(81.3m)(82.8m)(83.7m)(85.5m)(91.4m)

Total Equity

59.3m45.4m44.7m48.4m129.2m136.8m339.9m

Debt to Equity Ratio

0.1 x0.2 x0.1 x

Debt to Assets Ratio

0.1 x0.1 x0.1 x

Financial Leverage

1.7 x1.6 x1.8 x2.2 x1.6 x1.9 x1.5 x

Quarterly

USDQ2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q3, 2017Q1, 2018Q2, 2018Q3, 2018Q1, 2019Q2, 2019Q3, 2019Q1, 2020Q2, 2020Q3, 2020Q1, 2021

Cash

9.3m59.1m32.5m26.2m21.7m17.5m18.2m20.6m21.9m24.6m25.2m30.8m95.4m34.7m26.6m27.4m25.0m27.2m30.0m35.2m133.1m

Accounts Receivable

8.1m8.6m7.8m8.8m8.3m8.5m9.3m10.3m13.5m17.1m20.3m24.3m28.6m32.0m37.6m43.6m50.1m66.0m80.7m92.4m117.9m

Prepaid Expenses

1.1m1.4m1.4m1.7m2.2m2.0m1.7m1.9m2.2m2.3m3.0m3.0m6.9m4.2m4.8m4.3m4.9m5.8m5.9m7.3m9.7m

Current Assets

32.5m88.4m63.1m58.2m55.4m53.6m56.4m61.6m68.5m76.6m82.6m97.5m173.7m110.3m130.7m140.0m151.5m175.1m191.8m218.1m352.0m

PP&E

5.2m6.4m8.6m9.1m9.6m9.6m9.7m9.2m8.0m8.0m8.0m8.3m8.2m70.0m69.4m69.4m69.6m70.6m71.0m71.1m73.7m

Goodwill

33.3m

Total Assets

48.8m100.5m77.5m74.6m72.6m70.9m73.9m78.5m87.7m95.7m101.9m117.2m194.3m199.9m221.3m230.5m243.0m273.2m290.3m317.1m513.7m

Accounts Payable

4.2m1.6m1.4m1.2m1.5m1.0m865.0k1.3m2.0m1.8m2.3m3.3m2.4m2.2m2.9m2.1m2.8m4.8m2.9m5.0m5.3m

Short-term debt

1.2m

Current Liabilities

28.7m21.3m20.9m21.4m23.2m23.6m25.3m27.5m35.4m39.6m44.1m51.9m57.1m61.2m70.7m77.9m85.6m103.7m118.0m139.8m169.7m

Long-term debt

25.0m14.9m968.0k986.0k4.0m4.8m6.3m7.3m14.9m18.6m8.6m18.1m19.1m22.1m29.8m27.3m29.8m

Total Debt

25.0m14.9m968.0k986.0k4.0m4.8m6.3m7.3m14.9m18.6m8.6m18.1m19.1m22.1m29.8m27.3m29.8m

Total Liabilities

56.0m37.9m22.5m23.0m25.1m26.6m28.4m33.7m42.6m48.5m54.0m69.0m78.0m72.0m91.3m99.4m110.1m136.4m148.4m172.8m177.6m

Preferred Stock

Additional Paid-in Capital

7.0m118.2m119.8m121.1m121.7m124.1m126.2m127.2m131.4m133.0m133.2m139.0m207.5m217.8m226.3m229.1m230.2m234.6m238.1m242.8m447.0m

Retained Earnings

(44.4m)(52.9m)(62.1m)(66.7m)(71.4m)(77.0m)(77.9m)(79.6m)(82.8m)(82.4m)(81.9m)(84.3m)(84.6m)(83.4m)(85.0m)(86.9m)(86.2m)(86.7m)(85.3m)(87.9m)(103.8m)

Total Equity

(40.0m)62.6m54.9m51.7m47.4m44.3m45.5m44.8m45.1m47.2m48.0m48.2m116.3m127.9m130.0m131.0m132.8m136.8m141.9m144.3m336.1m

Debt to Equity Ratio

-0.6 x0.2 x0 x0 x0.1 x0.1 x0.1 x0.2 x0.3 x0.2 x0.1 x0.1 x

Debt to Assets Ratio

0.5 x0.1 x0 x0 x0.1 x0.1 x0.1 x0.1 x0.1 x0.1 x0 x0.1 x

Financial Leverage

-1.2 x1.6 x1.4 x1.4 x1.5 x1.6 x1.6 x1.8 x1.9 x2 x2.1 x2.4 x1.7 x1.6 x1.7 x1.8 x1.8 x2 x2 x2.2 x1.5 x

Trupanion Cash Flow

Annual

USDFY, 2014FY, 2015FY, 2016FY, 2017FY, 2018FY, 2019FY, 2020

Net Income

(21.2m)(17.2m)(6.9m)(1.5m)(927.0k)(1.8m)(5.8m)

Depreciation and Amortization

1.7m2.5m3.8m4.2m4.5m5.6m7.1m

Accounts Receivable

(126.0k)(328.0k)(13.1m)(10.2m)(11.2m)(22.8m)(43.3m)

Inventories

(369.0k)(905.0k)48.0k

Accounts Payable

449.0k(347.0k)652.0k3.0m4.5m4.1m10.0m

Cash From Operating Activities

38.2m(35.1m)5.0m9.7m12.7m16.2m21.5m

Purchases of PP&E

(5.6m)(4.9m)(1.9m)(3.1m)(56.9m)(5.4m)(7.5m)

Cash From Investing Activities

(11.9m)(9.9m)(6.5m)(13.1m)(81.5m)(28.0m)(76.7m)

Long-term Borrowings

(10.0m)(32.4m)

Cash From Financing Activities

60.9m(14.2m)7.7m5.1m71.2m14.0m170.8m

Net Change in Cash

2.6m115.6m

Interest Paid

(1.5m)(155.0k)153.0k333.0k1.0m1.2m1.4m

Income Taxes Paid

(9.0k)(139.0k)19.0k177.0k216.0k158.0k

Quarterly

USDQ2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q3, 2017Q1, 2018Q2, 2018Q3, 2018Q1, 2019Q2, 2019Q3, 2019Q1, 2020Q2, 2020Q3, 2020Q1, 2021

Net Income

(8.4m)(16.9m)(4.9m)(9.6m)(14.2m)(2.6m)(3.5m)(5.2m)(1.5m)(1.1m)(665.0k)(1.5m)(1.9m)(652.0k)(1.3m)(3.2m)(2.4m)(1.1m)220.0k(2.3m)(12.4m)

Depreciation and Amortization

729.0k1.2m566.0k1.1m1.8m785.0k1.5m2.6m1.0m2.1m3.2m927.0k1.9m3.0m1.6m3.2m4.4m1.4m3.1m4.8m3.1m

Accounts Receivable

(320.0k)(828.0k)75.0k(923.0k)(504.0k)(234.0k)(994.0k)(2.0m)(3.4m)(7.0m)(10.2m)(3.9m)(8.2m)11.6m5.9m11.9m(18.6m)(11.7m)(26.1m)(38.1m)(18.8m)

Accounts Payable

75.0k151.0k(387.0k)(552.0k)(329.0k)(200.0k)(460.0k)(31.0k)64.0k913.0k2.1m910.0k2.6m3.8m1.3m1.4m2.8m1.3m516.0k6.6m35.0k

Cash From Operating Activities

(6.4m)(9.7m)(4.9m)(8.9m)(9.8m)(1.3m)260.0k1.6m1.9m3.7m6.7m2.1m1.6m9.0m4.0m6.9m11.6m2.9m7.8m17.6m(1.7m)

Purchases of PP&E

(2.3m)(4.0m)(1.6m)(2.6m)(3.8m)(653.0k)(1.1m)(1.5m)(462.0k)(1.3m)(2.2m)(992.0k)(2.4m)(55.9m)(878.0k)(1.8m)(3.6m)(1.5m)(3.2m)(4.5m)(2.9m)

Cash From Investing Activities

(257.0k)(7.2m)(551.0k)(3.4m)(6.6m)(946.0k)(3.0m)(5.1m)(4.5m)(5.8m)(8.4m)(2.8m)(7.6m)(64.8m)(9.5m)(13.6m)(22.8m)(8.0m)(8.9m)(18.6m)(4.6m)

Short-term Borrowings

300.0k

Long-term Borrowings

(73.0k)(110.0k)(102.0k)(203.0k)(412.0k)(10.0m)(2.5m)(2.5m)

Cash From Financing Activities

955.0k61.0m(14.9m)(14.5m)(14.6m)1.5m2.7m6.0m895.0k2.9m2.9m5.8m76.7m65.7m5.4m7.1m9.4m3.9m2.4m7.3m(643.0k)

Net Change in Cash

(5.7m)44.1m(20.6m)(26.9m)(31.4m)(430.0k)251.0k2.7m(1.5m)(1.9m)845.0k6.1m(6.7m)

Interest Paid

457.0k1.4m(249.0k)259.0k155.0k28.0k92.0k

Income Taxes Paid

9.0k9.0k(98.0k)117.0k117.0k4.0k12.0k

Trupanion Ratios

USDQ2, 2014

Debt/Equity

-0.6 x

Debt/Assets

0.5 x

Financial Leverage

-1.2 x

Trupanion Operating Metrics

FY, 2014Q1, 2015Q2, 2015Q3, 2015FY, 2015Q1, 2016Q2, 2016Q3, 2016FY, 2016Q1, 2017Q2, 2017

Average Monthly Retention

0.990.990.990.990.990.990.990.990.990.990.99

Average Pet Acquisition Cost (PAC)

$121$134$133$129$132$123$120$120$123$128$135

Lifetime Value of a Pet (LVP)

$591$567$570$591$591$603$622$624$631$637$654

Monthly Average Revenue per User

$44.14$44.34$45.1$45.15$45.04$46.12$46.77$48.37$47.82$50.5$50.99

Total Pets Enrolled

232.45 k246.11 k259.95 k276.99 k291.82 k307.3 k320.9 k334.07 k343.65 k364.26 k383.29 k

Trupanion Employee Rating

3.9292 votes
Culture & Values
3.8
Work/Life Balance
3.6
Senior Management
3.4
Salary & Benefits
3.4
Career Opportunities
3.5
Source