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Trupanion TRUP Other Segments — Claims expense non-cash

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CINFReinsurance assumed and other non segment — Reserves for unpaid claims and claim adjustment expenses
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Other financials

Income statement

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Revenue$392.9M+11.1%
Gross profit$65.1M+18.8%
Operating income$6.4M+176%
Net income$6.8M-27.4%
EPS (diluted)$0.16-27.3%

Balance sheet

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Cash & equivalents$178.3M+8.4%
Total debt$106.9M-6.6%
Total equity$409.7M+15.3%
Total assets$930.8M+9.8%

Cash flow

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Operating cash flow$21.0M+39.7%
CapEx$1.8M-38.7%
Free cash flow$19.2M+59.0%

Valuation

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Market cap$1.18B-44.4%
Enterprise value$1.11B-46.4%
P/E51×
P/S0.8×-0.8×

Profitability

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Gross margin16.6%+1.2pp
Operating margin1.6%+1.4pp
Net margin1.5%
FCF margin5.4%+0.9pp

Returns & leverage

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Return on equity6.1%
Debt / equity0.3×-0.1×
Current ratio1.8×+0.1×

Where this comes from

Reported directly by Trupanion in its filing.

Tagged under the XBRL concept trup:Claimsexpensenoncash.

The source filing: Trupanion’s 10-Q, filed August 5, 2026.

Filed
Aug 5, 2026, 5:02 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001371285-26-000172
Other BusinessSix Months Ended June 30, 2026Six Months Ended June 30, 2025
Prior years3,193(5,473)
Total veterinary invoice expense174,687161,975
Amounts paid during the period related to:
Current year151,301143,726
Prior years29,00420,184
Total paid180,305163,910
Non-cash expenses1
Reserve at end of period$23,938$26,616

Item 1. Financial Statements

FAQ

What is Trupanion's other segments — claims expense non-cash?
Trupanion (TRUP) reported other segments — claims expense non-cash of $1K in Q2 2026.
What does other segments — claims expense non-cash mean?
This represents the portion of claims-related expenses that do not involve an immediate cash outflow, such as changes in actuarial assumptions or non-cash adjustments to reserves. It helps distinguish between accounting-driven expense recognition and actual cash-based claims activity. This is useful for reconciling GAAP earnings with cash flow performance.

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