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Trupanion TRUP Reserve for insurance claims

Reserve for insurance claims at other companies

Lemonade logo
LemonadeLMND
$308.8M+0.5%
Universal Insurance Holdings logo
Universal Insurance HoldingsUVE
$668.72M-25.2%
SiriusPoint logo
SiriusPointSPNT
$5.73B-0.5%
Humana logo
HumanaHUM
$8.9B+23.6%
United Fire Group logo
United Fire GroupUFCS
$1.97B+8.5%
Skyward Specialty Insurance Group, Inc. logo
Skyward Specialty Insurance Group, Inc.SKWD
$2.92B+56.0%

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

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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:LiabilityForClaimsAndClaimsAdjustmentExpense.

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 reserve for insurance claims?
Trupanion (TRUP) reported reserve for insurance claims of $56.7M in Q1 2026.
How has Trupanion's reserve for insurance claims changed year-over-year?
Trupanion's reserve for insurance claims increased by 4.9% year-over-year, from $54.04M to $56.7M.
What is the long-term trend for Trupanion's reserve for insurance claims?
Over 5 years (2020 to 2025), Trupanion's reserve for insurance claims has grown at a 98.3% compound annual growth rate (CAGR), from $1.82M to $55.92M.
What does reserve for insurance claims mean?
This represents the estimated liability for insurance claims that have been reported but not yet settled, as well as claims incurred but not yet reported. It is a critical measure of an insurance company's actuarial soundness and ability to meet future policyholder obligations. Significant fluctuations in this reserve can indicate changes in claim frequency or severity trends.