What is Trupanion's change in unearned premiums?

Trupanion (TRUP) reported change in unearned premiums of $15.79M in Q1 2026.

How has Trupanion's change in unearned premiums changed year-over-year?

Trupanion's change in unearned premiums increased by 0.5% year-over-year, from $15.71M to $15.79M.

What does change in unearned premiums mean?

This represents the change in the liability for premiums collected in advance that have not yet been earned through the passage of time. It is a key indicator of future revenue recognition and growth in the insurance book of business. A positive change suggests strong sales momentum and an expanding customer base.

Trupanion TRUP Change in unearned premiums

Change in unearned premiums at other companies

Universal Insurance HoldingsUVE

$7.88M-54.9%

SiriusPointSPNT

$135.8M-23.5%

United Fire GroupUFCS

$31.25M+37.2%

Skyward Specialty Insurance Group, Inc.SKWD

$34.21M+61.7%

W.R. BerkleyWRB

$47.87M-57.7%

Brown & BrownBRO

-$116M-231%

Other financials

Income statement

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Revenue$384.0M+12.3%

Gross profit$61.5M+20.3%

Operating income$4.8M+424%

Net income$4.9M+429%

EPS (diluted)$0.11+467%

Balance sheet

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Cash & equivalents$182.9M-11.2%

Total debt$109.3M-15.2%

Total equity$394.8M+18.3%

Total assets$921.6M+10.1%

Cash flow

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Operating cash flow$14.6M-8.6%

CapEx$847.0K-56.1%

Free cash flow$13.7M-2.1%

Valuation

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Market cap$1.04B-56.4%

Enterprise value$968.57M-58.1%

P/E40.4×—

P/S0.7×-1.1×

Profitability

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Gross margin16.3%+1.6pp

Operating margin1.4%+1.1pp

Net margin1.7%—

FCF margin5.1%+1.0pp

Returns & leverage

See full

Return on equity7.1%—

Debt / equity0.3×-0.1×

Current ratio1.7×0.0×

Where this comes from

Reported directly by Trupanion in its filing.

Tagged under the XBRL concept us-gaap:IncreaseDecreaseInUnearnedPremiums.

The official record: Trupanion’s 10-Q, filed April 30, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Trupanion's change in unearned premiums?: Trupanion (TRUP) reported change in unearned premiums of $15.79M in Q1 2026.
How has Trupanion's change in unearned premiums changed year-over-year?: Trupanion's change in unearned premiums increased by 0.5% year-over-year, from $15.71M to $15.79M.
What does change in unearned premiums mean?: This represents the change in the liability for premiums collected in advance that have not yet been earned through the passage of time. It is a key indicator of future revenue recognition and growth in the insurance book of business. A positive change suggests strong sales momentum and an expanding customer base.