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TRUPTrupanion, Inc.Sell4.7·$37.94

Trupanion (TRUP) Q3 2026 earnings — TrendMatrix coverage

MISS-10.1% vs estimateEPS $0.91 vs $1.01 estCurrent verdict Sell 4.7/10

Reported

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. How we score · Full disclosure · Editorial policy

Event detail · Q3 2026

Key numbers

Adjusted EPS
$0.91
Estimate
$1.01
Surprise
-10.1%
Revenue (period 2026-09-30)
$405.6M
Score today
4.7/10

Revenue source: xbrl.

Report record · Q3 2026

How the report landed

Trupanion (TRUP) missed the $1.01 estimate with adjusted EPS of $0.91 — a large 10.1% shortfall.

Around the report

Coverage in the report window

  • Trupanion Reports Third Quarter 2026 Financial Results — fiscal.ai, 2026-11-05
  • Conference call: Trupanion Sees Q4 Sales $407.000M-$414.000M vs $412.100M Est — benzinga, 2026-11-05
  • Conference call: Trupanion Narrows FY2026 Sales Guidance from $1.584B-$1.601B to $1.590B-$1.597B vs $1.592B Est — benzinga, 2026-11-05
Current read · as of 2026-11-06

Where TrendMatrix's rating stands now

TrendMatrix currently rates TRUP Sell at 4.7/10; no pre/post engine snapshot brackets this report.

0 of the last 4 quarters beat the estimate; this quarter's -10.1% surprise compares with a -12.5% four-quarter average.

What argues against it

  • Concentration risk — Product: subscription business segment (69.0%)
  • Target reached (-25.5% upside)
  • Quality below floor (3.4 < 4.0)

This section and the ones below it reflect TrendMatrix’s latest engine read — they update after the report date and are not frozen to it.

Current engine read

The levels TrendMatrix's engine tracks

Current price
$37.94
Stop
$35.28

The stock trades at 65.5× trailing but 8.2× forward earnings — consensus estimates already build in a substantial earnings recovery.

Risk check: RSI 89 — a level conventionally read as overbought; gains at these levels often lean on momentum.

Model outputs from TrendMatrix’s engine as of 2026-11-06 — shown for context, not personalized investment advice.

Financial Services context

TRUP at TrendMatrix's latest read

For financials, the EPS print is only half the story: credit costs, reserve builds, and rate sensitivity decide how a quarter actually lands.

Industry
Insurance - Property & Casualty
Market cap
$1.52B
P/E (fwd)
8.2
P/E (ttm)
65.5
52-week range
$21.16–$46.98
Off 52-week high
19.2%
RSI (14)
89
Volume vs avg
0.46×
Score today
4.7/10

EPS and the estimate come from Yahoo Finance’s earnings calendar, captured around the report date. That EPS is the adjusted figure analysts forecast, so it can differ from the GAAP diluted EPS in the company’s filing, and consensus estimates vary between data providers. Revenue comes from SEC XBRL company facts where available, yfinance-provisional otherwise. Not a buy/sell rating, a price target, or investment advice — see the current verdict on the stock’s main page for TrendMatrix’s live read.

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