Core Viewpoint - Trupanion, Inc. will report its financial results for the fourth quarter and full year of 2025 on February 12, 2026, after market close, followed by a conference call to discuss the results and management observations [1][2]. Company Overview - Trupanion is a leader in medical insurance for pets, specifically cats and dogs, operating in the United States, Canada, and parts of Continental Europe, with over 1,000,000 pets currently enrolled [4]. - The company has been providing pet owners with peace of mind for over two decades, focusing on high-value pet medical insurance with unlimited payouts for the life of the pets [4]. - Trupanion is the only North American provider with technology that allows for direct payment to veterinarians at the time of checkout [4]. - The company was founded in 2000 and is headquartered in Seattle, WA, and is listed on NASDAQ under the symbol "TRUP" [4]. Conference Call Details - The conference call will begin shortly after 1:30 p.m. PT / 4:30 p.m. ET on February 12, 2026, and will be accessible via a live webcast on Trupanion's Investor Relations site [1][2]. - Participants can join the call by dialing specific numbers for the United States and international access, with a telephonic replay available afterward [3].

Company Overview - Trupanion, Inc. (NASDAQ:TRUP) provides medical insurance for pets in the United States, Canada, and Puerto Rico, operating in a growing pet insurance industry as more pet owners seek to manage veterinary costs [1] Stock Performance - Over the past month, TRUP's stock has declined approximately 0.90%, with a more significant dip of 3.53% in the last 10 days, which may concern some investors but could also represent a strategic entry point [2] - Despite recent downturns, TRUP has reached a local minimum, signaling a potential recovery, which investors often view as an opportunity to buy before a stock begins to rise again [5] Growth Potential - TRUP's expected stock price increase is 64.80%, supported by a target price of $60, indicating that the stock is currently undervalued and presenting an attractive investment opportunity [3][6] Financial Health - A key indicator of TRUP's financial health is its Piotroski Score of 8, suggesting strong fundamentals, efficient operations, and prudent management practices, making it a solid investment choice [4][6]

Core Insights - Trupanion has been recognized as one of Seattle's Best Places to Work for the seventh consecutive year, highlighting its strong work culture and employee benefits [1][2] Company Overview - Trupanion is a leading provider of pet medical insurance in the United States, Canada, and parts of Continental Europe, with over 1,000,000 pets currently enrolled [5] - The company offers policies with no payout limits for the life of pets and has a patented process that allows for direct payment to veterinarians at checkout [5] - Trupanion is publicly traded on NASDAQ under the symbol "TRUP" and was founded in 2000, headquartered in Seattle, WA [5] Employee Benefits and Work Culture - Trupanion's work culture includes comprehensive medical insurance, four weeks of paid time off, mentoring programs, hybrid work opportunities, and pet insurance for one pet [2] - Employees can bring their pets to work, where they receive free daily walks and special treats, emphasizing the company's commitment to a pet-friendly environment [2] Recognition Criteria - Built In's selection process for Best Places to Work considers factors such as compensation packages, total rewards, and time off offerings, which are important to today's workforce [3][4]

Industry Overview - The Zacks Accident and Health Insurance industry is projected to benefit from increased underwriting exposure, driven by prudent underwriting standards among key players like Aflac, Unum Group, Globe Life, and Trupanion [1] - The industry is expected to grow from approximately $300 billion in 2024 to about $420 billion by 2033, reflecting a compound annual growth rate (CAGR) of 3.8% [3] Current Trends - Pricing pressure is anticipated to continue due to inflation, rising medical costs, and demographic changes, with healthcare spending expected to increase by 5.4% annually through 2028 [4] - Claims frequency is improving due to better safety measures and working conditions, which is expected to enhance the industry's performance [5] - The adoption of technology, including AI and data analytics, is accelerating, potentially reducing workers' compensation claim expenses by about 45% [6] Financial Performance - The Accident and Health Insurance industry has underperformed compared to the Finance sector and the S&P 500, with a year-to-date gain of 5.1% versus 14.2% and 18.2% respectively [9] - The industry is currently trading at a trailing 12-month price-to-book (P/B) ratio of 1.72X, significantly lower than the Zacks S&P 500 composite's 8.47X and the sector's 4.18X [11] Company Highlights - **Aflac**: Focuses on voluntary supplemental health and life insurance, with a projected long-term earnings growth rate of 4.6% and a trailing four-quarter earnings surprise of 9.38% [15][16] - **Unum Group**: Expected premium growth of 3-6% for 2025, with a long-term earnings growth rate of 6%, outperforming the industry average [19][21] - **Globe Life**: Positive revenue trends driven by premium growth in life and health insurance segments, with a projected 3.1% year-over-year increase in earnings for 2026 [23][25] - **Trupanion**: Positioned for growth in the pet insurance market, with a consensus estimate suggesting a 9.4% increase in earnings for 2026 and a trailing four-quarter earnings surprise of 235.42% [27][28]

Core Insights - The financial sector is experiencing a trend of oversold stocks, presenting potential buying opportunities for undervalued companies [1] Group 1: Oversold Stocks - Kestrel Group Ltd (NASDAQ:KG) has an RSI of 29.3, with a stock price decline of approximately 38% over the past month and a 52-week low of $13.76 [6] - Trupanion Inc (NASDAQ:TRUP) has an RSI of 28.4, with a stock price decline of around 14% over the past month and a 52-week low of $31.00 [6] - Diamond Hill Investment Group Inc (NASDAQ:DHIL) has an RSI of 23.8, with a stock price decline of about 10% over the past month and a 52-week low of $115.17 [6] Group 2: Company Performance - Kestrel Group reported a wider loss for Q3, with shares closing at $14.10 after a 5.3% drop on Monday [6] - Trupanion's price target was cut from $45 to $42 by Stifel analyst Jonathan Block, with shares closing at $34.03 after a 3.6% drop on Monday [6] - Diamond Hill Investment's Q3 earnings declined, but the company noted nearly $1 billion in net flows for fixed income strategies and a conversion of its Large Cap Concentrated Fund to an ETF, with shares closing at $116.03 after a 1.7% drop on Monday [6]

Core Insights - The financial sector has several oversold stocks, presenting potential buying opportunities for undervalued companies [1][2] Group 1: Oversold Stocks - Kestrel Group Ltd (NASDAQ:KG) has an RSI of 29.3, with a stock price decline of approximately 38% over the past month, closing at $14.10 [6] - Trupanion Inc (NASDAQ:TRUP) has an RSI of 28.4, with a stock price drop of around 14% in the last month, closing at $34.03 [6] - Diamond Hill Investment Group Inc (NASDAQ:DHIL) has an RSI of 23.8, with a stock price decrease of about 10% over the past month, closing at $116.03 [6] Group 2: Company Performance - Kestrel Group reported a wider loss for Q3, contributing to its stock decline [6] - Trupanion's price target was cut from $45 to $42 by Stifel analyst Jonathan Block, maintaining a Hold rating [6] - Diamond Hill Investment's Q3 earnings declined, but the CEO noted significant growth in fixed income strategies, adding nearly $1 billion in net flows this quarter [6]

Core Insights - Trupanion's President and CEO, Margi Tooth, has been recognized as one of the Puget Sound Business Journal's 2025 Women of Influence, highlighting her contributions to the industry and community [1][2] - The recognition underscores Trupanion's mission to assist pet owners in managing the financial aspects of pet care, promoting access to high-quality veterinary services [2][4] Company Overview - Trupanion is a leading provider of medical insurance for pets in North America, with over 1,000,000 pets currently enrolled [5] - The company has been operational for over two decades, focusing on providing peace of mind to pet owners by offering unlimited payouts for their pets' medical needs [5] Financial Impact - Trupanion has paid over $3.5 billion in veterinary invoices, showcasing the effectiveness of comprehensive pet insurance in alleviating financial burdens during medical emergencies [6] - The company has successfully reached over 1 million subscription pets globally, indicating a strong market presence and demand for transparent pet insurance [6] Technological Innovation - Trupanion has developed patented technology that allows for direct payment to veterinarians at the time of checkout, enhancing the efficiency of the payment process and allowing focus on pet recovery [6] Community Engagement - The company emphasizes a strong, caring company culture and has been recognized for its employee well-being initiatives [3] - Trupanion's commitment to community involvement is demonstrated through partnerships, such as with the Seattle Reign FC, aimed at promoting local equity [4]

Core Insights - The financial sector is experiencing a trend of oversold stocks, presenting potential buying opportunities for undervalued companies [1][2] Company Summaries - **Trupanion Inc (NASDAQ:TRUP)**: Reported better-than-expected quarterly earnings with record profitability and subscription growth. The stock has fallen approximately 12% over the past month, with a current RSI of 29.6 and a closing price of $37.74 [8] - **LendingTree Inc (NASDAQ:TREE)**: Exceeded third-quarter estimates and raised FY2025 sales guidance. The stock has decreased around 14% in the last month, with an RSI of 29.2 and a closing price of $49.12 [8] - **Manhattan Bridge Capital Inc (NASDAQ:LOAN)**: Reported disappointing quarterly earnings but noted strong loan performance. The stock has declined about 11% over the past month, with an RSI of 28.9 and a closing price of $4.65 [8]

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Core Insights - Trupanion reported revenue of $366.92 million for the quarter ended September 2025, reflecting a year-over-year increase of 12.1% and surpassing the Zacks Consensus Estimate by 1.58% [1] - The company's EPS for the quarter was $0.13, significantly higher than the $0.03 reported in the same quarter last year, resulting in an EPS surprise of 116.67% compared to the consensus estimate of $0.06 [1] Revenue Breakdown - Revenue from Other Business was $114.22 million, exceeding the average estimate of $108.62 million by three analysts, marking a year-over-year increase of 5.3% [4] - Subscription Business revenue reached $252.7 million, slightly above the average estimate of $252.38 million, with a year-over-year growth of 15.4% [4] Operating Income - Other business adjusted operating income (non-GAAP) was reported at $1.76 million, below the average estimate of $1.92 million from three analysts [4] - Subscription adjusted operating income (non-GAAP) was $39.09 million, surpassing the average estimate of $37.05 million from three analysts [4] Stock Performance - Over the past month, Trupanion's shares returned +0.4%, while the Zacks S&P 500 composite increased by +1.3% [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating expected performance in line with the broader market in the near term [3]