Latest news with #Trupanion
Yahoo
5 hours ago
- Business
- Yahoo
Trupanion Second Quarter 2025 Earnings: Beats Expectations
Explore Trupanion's Fair Values from the Community and select yours Trupanion (NASDAQ:TRUP) Second Quarter 2025 Results Key Financial Results Revenue: US$353.6m (up 12% from 2Q 2024). Net income: US$9.41m (up from US$5.86m loss in 2Q 2024). Profit margin: 2.7% (up from net loss in 2Q 2024). EPS: US$0.22 (up from US$0.14 loss in 2Q 2024). Trump has pledged to "unleash" American oil and gas and these 15 US stocks have developments that are poised to benefit. All figures shown in the chart above are for the trailing 12 month (TTM) period Trupanion Revenues and Earnings Beat Expectations Revenue exceeded analyst estimates by 2.0%. Earnings per share (EPS) also surpassed analyst estimates. Looking ahead, revenue is forecast to grow 6.8% p.a. on average during the next 3 years, compared to a 5.5% growth forecast for the Insurance industry in the US. Performance of the American Insurance industry. The company's shares are up 5.6% from a week ago. Risk Analysis It is worth noting though that we have found 2 warning signs for Trupanion that you need to take into consideration. Have feedback on this article? Concerned about the content? Get in touch with us directly. Alternatively, email editorial-team (at) article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.
Yahoo
4 days ago
- Business
- Yahoo
Trupanion Earnings: What To Look For From TRUP
Pet insurance provider Trupanion (NASDAQ:TRUP) will be announcing earnings results this Thursday afternoon. Here's what to look for. Trupanion beat analysts' revenue expectations by 0.9% last quarter, reporting revenues of $342 million, up 11.7% year on year. It was a slower quarter for the company, with a significant miss of analysts' EPS estimates. Is Trupanion a buy or sell going into earnings? Read our full analysis here, it's free. This quarter, analysts are expecting Trupanion's revenue to grow 11% year on year to $349.5 million, slowing from the 16.3% increase it recorded in the same quarter last year. Adjusted earnings are expected to come in at $0.67 per share. The majority of analysts covering the company have reconfirmed their estimates over the last 30 days, suggesting they anticipate the business to stay the course heading into earnings. Trupanion has a history of exceeding Wall Street's expectations, beating revenue estimates every single time over the past two years by 1.4% on average. Looking at Trupanion's peers in the property & casualty insurance segment, some have already reported their Q2 results, giving us a hint as to what we can expect. Mercury General delivered year-on-year revenue growth of 13.2%, beating analysts' expectations by 2%, and Allstate reported revenues up 6%, falling short of estimates by 0.7%. Mercury General's stock price was unchanged after the resultswhile Allstate was up 5.7%. Read our full analysis of Mercury General's results here and Allstate's results here. Investors in the property & casualty insurance segment have had fairly steady hands going into earnings, with share prices down 2% on average over the last month. Trupanion is down 7.6% during the same time and is heading into earnings with an average analyst price target of $53 (compared to the current share price of $47.93). Unless you've been living under a rock, it should be obvious by now that generative AI is going to have a huge impact on how large corporations do business. While Nvidia and AMD are trading close to all-time highs, we prefer a lesser-known (but still profitable) semiconductor stock benefiting from the rise of AI. Click here to access our free report on our favorite semiconductor growth story. StockStory is growing and hiring equity analyst and marketing roles. Are you a 0 to 1 builder passionate about the markets and AI? See the open roles here. Error in retrieving data Sign in to access your portfolio Error in retrieving data Error in retrieving data Error in retrieving data Error in retrieving data
Yahoo
30-07-2025
- Health
- Yahoo
How to compare pet insurance quotes
Buying pet insurance isn't something you want to rush into as a pet parent. Plan costs and coverage run the gamut, and the cheapest plan isn't always a clear winner. Skip the fine print, and you could end up paying more for less. Comparing pet insurance quotes is less about finding the cheapest policy and more about finding the right fit for your pet's needs and your budget. Here's how to compare quotes for pet insurance. Learn more: How does pet insurance work? A complete guide. 1. Figure out the type of coverage you need In general, there are three types of pet insurance: Accident and illness. This is the most common type of pet insurance. It covers accidents, plus illnesses like cancer, infections, allergies, digestive issues, and more. It's more comprehensive than just accident-only insurance. Accident-only. This type of pet insurance covers sudden injuries like broken bones, swallowed toys, or snake bites. It's usually the cheapest option, but it doesn't cover illnesses like ear infections or cancer. Wellness/preventive care add-ons. This is optional coverage you can tack on to your base pet insurance plan. It reimburses for routine expenses like checkups, vaccines, dental cleanings, flea meds, and more, up to your plan limits. Not all pet insurance covers the same things (even if you're comparing accident and illness plans across the board). As you compare, make note of what's included by default versus what costs extra (like add-on coverage). For instance, some pet insurance plans exclude coverage for: Congenital and hereditary conditions, like hip dysplasia or cherry eye Chronic conditions, like diabetes or epilepsy Behavioral issues, like separation anxiety or aggression 2. Understand what affects your quote Insurers use several factors to price pet insurance policies. You'll often see different rates from different companies, even with the same info. Here's what companies typically consider: Species. Cat insurance tends to cost less than dog insurance. Breed. Some breeds are more prone to health issues (think French bulldogs or golden retrievers), which could raise premiums. Age. Premiums often go up as your pet gets older. Some companies won't even issue new policies to pets over a certain age. For example, Trupanion's limit is age 14 and Healthy Paws is age 13 for buying a new policy. Gender. Male pets can sometimes cost more to insure in some breeds if they're more prone to certain diseases. Veterinary service costs. If vet services cost more in your area, you could pay higher premiums. Even inflation and other economic factors could influence the pet insurance quotes you receive. Preexisting conditions. Most insurers won't cover anything your pet was diagnosed with before the policy started. Some (like Figo or Fetch) will cover curable preexisting conditions if there haven't been symptoms or treatment for a certain amount of time. Up next Up next 3. Gather documents and info about your pet Before you start plugging details into quote tools, it helps to have a few things handy. Most pet insurance providers will ask for: Your pet's age. You usually need their birth date or your best estimate. Puppies and kittens often cost less to insure if you enroll them young. Breed or mix. Be as accurate as possible. If your pet is a mix, you may need to select the closest breed combo or 'mixed breed' option. ZIP code. Insurance rates are localized, so you'll receive a quote for pet insurance based on your area. Medical history. You don't need to upload records during the quote process, but insurers may request them later for claims or preexisting condition reviews. Any known health issues. If your pet has a prior diagnosis, it's good to know how long it's been since symptoms or treatment. Some companies will cover certain conditions if they've been resolved for a certain number of months. Quick tip: Keep all this info in a Google doc or a notes app so you can copy and paste as you compare across sites. It'll save you time and help keep your pet insurance quotes consistent. 4. Shop around to get the best pet insurance rate Once you know what kind of pet insurance coverage you want and have your pet's info ready, it's time to start comparing quotes. There are three main ways to do that: Insurance provider websites. This gives you the most accurate quote and allows you to see exactly what each company offers. Try getting quotes from at least three to five top pet insurance companies for a fair comparison. Pet insurance marketplaces. Sites like Pawlicy Advisor or let you compare multiple companies side-by-side with one form. These are great for quick overviews, but may not show all available options. Independent agents or brokers. If you're overwhelmed or want help understanding your options, an agent who specializes in pet insurance can walk you through it. Just make sure they're not biased toward one company. Tips for getting the best rate Start while your pet is young if you can. Premiums are lower for younger, healthier pets. Adjust your deductible and reimbursement settings. A higher deductible or lower reimbursement rate can shrink your premium, but always aim to choose a deductible and reimbursement rate you could comfortably afford in an emergency. Ask about discounts. Some providers offer savings for spaying/neutering, multi-pet discounts, military discounts, or savings for paying annually. 5. Choose your policy and buy Once you've compared quotes and narrowed down your options, take one last look at the fine print. Double-check the exclusions, waiting periods, and any reimbursement limits that might affect your pet's care. If you're deciding between two similar plans, consider the following: How the claim process is handled Whether or not you can pay your vet directly How long the window is to submit claims Whether or not a mobile app is offered These small details can make a big difference if and when you use the policy. When you're ready, you can usually buy your policy online. Most companies let you enroll in just a few minutes. Best way to compare pet insurance The best way to compare pet insurance is to do your homework. Get quotes from at least three pet insurance companies. Look closely at what's covered, what's excluded, and how much you'll actually pay out of pocket. And don't forget to factor in your pet's unique needs — like breed-specific conditions, age, or a history of health issues. Lastly, keep your own situation in mind as you shop. Many of the best pet insurance companies stand out for different reasons, and not all of those reasons will apply to you. For instance, Yahoo Finance found that Pets Best is the top provider overall, but MetLife is best for insuring multiple pets, Spot offers the broadest range of included coverage, and Embrace rewards healthy pets with shrinking deductibles. Learn more: How insuring a pet may save money in the long run Frequently asked questions Do I have to have pet insurance? No, you don't technically need pet insurance. But if your pet is relatively healthy and doesn't really have much that can constitute a preexisting condition, it can be a financial safety net if your pet ever gets sick or injured. Vet bills for emergency care, surgeries, or chronic conditions can easily run into the thousands. How much does pet insurance cost? Pet insurance costs vary based on your pet's species, breed, age, location, and the coverage you choose. On average, accident and illness plans cost around $62.44 per month for dogs and $32.21 for cats, according to the North American Pet Health Insurance Association. But your premium could be higher or lower depending on your pet details, deductible, reimbursement rate, and annual limit. Who has the cheapest pet insurance? Yahoo Finance found that Lemonade pet insurance has excellent costs. That said, there isn't one company that's the cheapest for every pet and every situation across the board. It's still smart to grab pet insurance quotes from at least three companies to know which has the right combo of price and value for you. Does pet insurance cover vet bills? Yep, most pet insurance plans reimburse you for eligible vet bills related to accidents and illnesses. Some pet insurance companies will even cover things like exam fees, prescription drugs, and behavioral therapy. You'll usually need a wellness add-on for routine care like vaccines, routine blood work, flea meds, or dental cleanings.
Yahoo
07-07-2025
- Business
- Yahoo
Spotting Winners: Trupanion (NASDAQ:TRUP) And Property & Casualty Insurance Stocks In Q1
Quarterly earnings results are a good time to check in on a company's progress, especially compared to its peers in the same sector. Today we are looking at Trupanion (NASDAQ:TRUP) and the best and worst performers in the property & casualty insurance industry. Property & Casualty (P&C) insurers protect individuals and businesses against financial loss from damage to property or from legal liability. This is a cyclical industry, and the sector benefits when there is 'hard market', characterized by strong premium rate increases that outpace loss and cost inflation, resulting in robust underwriting margins. The opposite is true in a 'soft market'. Interest rates also matter, as they determine the yields earned on fixed-income portfolios. On the other hand, P&C insurers face a major secular headwind from the increasing frequency and severity of catastrophe losses due to climate change. Furthermore, the liability side of the business is pressured by 'social inflation'—the trend of rising litigation costs and larger jury awards. The 33 property & casualty insurance stocks we track reported a mixed Q1. As a group, revenues beat analysts' consensus estimates by 2.4%. In light of this news, share prices of the companies have held steady as they are up 1.8% on average since the latest earnings results. 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. Trupanion reported revenues of $342 million, up 11.7% year on year. This print exceeded analysts' expectations by 0.9%. Despite the top-line beat, it was still a slower quarter for the company with a significant miss of analysts' EPS estimates. Interestingly, the stock is up 8.7% since reporting and currently trades at $52.31. Is now the time to buy Trupanion? Access our full analysis of the earnings results here, it's free. Pioneering a data-driven approach that rewards good driving habits, Root (NASDAQ:ROOT) is a technology-driven auto insurance company that uses mobile apps to acquire customers and data science to price policies based on individual driving behavior. Root reported revenues of $349.4 million, up 37.1% year on year, outperforming analysts' expectations by 9.1%. The business had an incredible quarter with an impressive beat of analysts' EPS and net premiums earned estimates. The market seems unhappy with the results as the stock is down 11.1% since reporting. It currently trades at $124.69. Is now the time to buy Root? Access our full analysis of the earnings results here, it's free. Issuing more title insurance policies than any other company in the United States, Fidelity National Financial (NYSE:FNF) provides title insurance and escrow services for real estate transactions while also offering annuities and life insurance through its F&G subsidiary. Fidelity National Financial reported revenues of $2.73 billion, down 17.3% year on year, falling short of analysts' expectations by 17.9%. It was a disappointing quarter as it posted a significant miss of analysts' EPS estimates. Fidelity National Financial delivered the weakest performance against analyst estimates in the group. As expected, the stock is down 9.9% since the results and currently trades at $57.99. Read our full analysis of Fidelity National Financial's results here. Founded in 1961 and maintaining a network of over 6,300 independent agents across the country, Mercury General (NYSE:MCY) is an insurance company that primarily sells automobile insurance policies through independent agents in 11 states, with a strong focus on California. Mercury General reported revenues of $1.39 billion, up 9.4% year on year. This number surpassed analysts' expectations by 2.2%. Overall, it was a very strong quarter as it also put up a solid beat of analysts' EPS estimates. The stock is up 14.1% since reporting and currently trades at $67.31. Read our full, actionable report on Mercury General here, it's free. Founded in 1965 and named after its original focus on "replacement lens insurance" for contact lens wearers, RLI (NYSE:RLI) is a specialty insurance company that underwrites property, casualty, and surety products through wholesale brokers, independent agents, and carrier partnerships. RLI reported revenues of $407.7 million, down 8.4% year on year. This result missed analysts' expectations by 7.8%. Overall, it was a softer quarter as it also produced a significant miss of analysts' book value per share estimates. The stock is down 4.7% since reporting and currently trades at $71.70. Read our full, actionable report on RLI here, it's free. Thanks to the Fed's series of rate hikes in 2022 and 2023, inflation has cooled significantly from its post-pandemic highs, drawing closer to the 2% goal. This disinflation has occurred without severely impacting economic growth, suggesting the success of a soft landing. The stock market thrived in 2024, spurred by recent rate cuts (0.5% in September and 0.25% in November), and a notable surge followed Donald Trump's presidential election win in November, propelling indices to historic highs. Nonetheless, the outlook for 2025 remains clouded by potential trade policy changes and corporate tax discussions, which could impact business confidence and growth. The path forward holds both optimism and caution as new policies take shape. Want to invest in winners with rock-solid fundamentals? Check out our Top 5 Growth Stocks and add them to your watchlist. These companies are poised for growth regardless of the political or macroeconomic climate. Sign in to access your portfolio
Yahoo
14-06-2025
- Business
- Yahoo
Investors in Trupanion (NASDAQ:TRUP) have seen favorable returns of 92% over the past year
These days it's easy to simply buy an index fund, and your returns should (roughly) match the market. But investors can boost returns by picking market-beating companies to own shares in. To wit, the Trupanion, Inc. (NASDAQ:TRUP) share price is 92% higher than it was a year ago, much better than the market return of around 11% (not including dividends) in the same period. If it can keep that out-performance up over the long term, investors will do very well! In contrast, the longer term returns are negative, since the share price is 2.4% lower than it was three years ago. So let's assess the underlying fundamentals over the last 1 year and see if they've moved in lock-step with shareholder returns. AI is about to change healthcare. These 20 stocks are working on everything from early diagnostics to drug discovery. The best part - they are all under $10bn in marketcap - there is still time to get in early. Given that Trupanion didn't make a profit in the last twelve months, we'll focus on revenue growth to form a quick view of its business development. When a company doesn't make profits, we'd generally hope to see good revenue growth. Some companies are willing to postpone profitability to grow revenue faster, but in that case one would hope for good top-line growth to make up for the lack of earnings. Trupanion grew its revenue by 14% last year. That's a fairly respectable growth rate. Buyers pushed the share price 92% in response, which isn't unreasonable. If revenue stays on trend, there may be plenty more share price gains to come. But it's crucial to check profitability and cash flow before forming a view on the future. The company's revenue and earnings (over time) are depicted in the image below (click to see the exact numbers). If you are thinking of buying or selling Trupanion stock, you should check out this FREE detailed report on its balance sheet. It's nice to see that Trupanion shareholders have received a total shareholder return of 92% over the last year. That's better than the annualised return of 6% over half a decade, implying that the company is doing better recently. In the best case scenario, this may hint at some real business momentum, implying that now could be a great time to delve deeper. While it is well worth considering the different impacts that market conditions can have on the share price, there are other factors that are even more important. Even so, be aware that Trupanion is showing 1 warning sign in our investment analysis , you should know about... If you like to buy stocks alongside management, then you might just love this free list of companies. (Hint: many of them are unnoticed AND have attractive valuation). Please note, the market returns quoted in this article reflect the market weighted average returns of stocks that currently trade on American exchanges. Have feedback on this article? Concerned about the content? Get in touch with us directly. Alternatively, email editorial-team (at) article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.
