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Trupanion TRUP Other Segments — Current Year Claims and Claims Adjustment Expense

Other segment segments

Subscription business
$195.53M+13.4%

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RNRCasualty and Specialty — Net claims and claim expenses incurred – current accident year
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RLICasualty — Supplemental Information For Property Casualty Insurance Underwriters Current Year Claims And Claims Adjustment Expense
$156.99M+8.8%
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RDNMortgage Insurance — Supplemental Information For Property Casualty Insurance Underwriters Current Year Claims And Claims Adjustment Expense
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RDNSpecialty Insurance — Supplemental Information For Property Casualty Insurance Underwriters Current Year Claims And Claims Adjustment Expense
$292.26M

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 us-gaap:SupplementalInformationForPropertyCasualtyInsuranceUnderwritersCurrentYearClaimsAndClaimsAdjustmentExpense.

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
Reserve at beginning of year$29,557$28,551
Veterinary invoice expenses during the period related to:
Current year171,494167,448
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

Item 1. Financial Statements

FAQ

What is Trupanion's other segments — current year claims and claims adjustment expense?
Trupanion (TRUP) reported other segments — current year claims and claims adjustment expense of $85.22M in Q2 2026.
How has Trupanion's other segments — current year claims and claims adjustment expense changed year-over-year?
Trupanion's other segments — current year claims and claims adjustment expense increased by 1.9% year-over-year, from $83.63M to $85.22M.
What is the long-term trend for Trupanion's other segments — current year claims and claims adjustment expense?
Over 4 years (2021 to 2025), Trupanion's other segments — current year claims and claims adjustment expense has grown at a 26.7% compound annual growth rate (CAGR), from $129.83M to $334.57M.
What does other segments — current year claims and claims adjustment expense mean?
This metric measures the total costs incurred for insurance claims and related adjustment expenses originating from policies active during the current fiscal year. It serves as a primary indicator of underwriting performance and loss experience for the Other business segment. High values relative to premiums may indicate adverse loss trends or inadequate pricing.

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