Trupanion(US:TRUP) ZACKS·2026-02-12 23:26Core Viewpoint - Trupanion reported quarterly earnings of $0.13 per share, missing the Zacks Consensus Estimate of $0.14 per share, but showing an increase from $0.04 per share a year ago [1][2] Earnings Performance - The earnings surprise for the quarter was -9.72%, while the previous quarter saw a positive surprise of +116.67% when actual earnings were $0.13 compared to an expected $0.06 [2] - Over the last four quarters, Trupanion has surpassed consensus EPS estimates three times [2] Revenue Performance - Trupanion's revenues for the quarter ended December 2025 were $376.85 million, exceeding the Zacks Consensus Estimate by 0.28% and up from $337.31 million year-over-year [3] - The company has topped consensus revenue estimates four times over the last four quarters [3] Stock Performance and Outlook - Trupanion shares have declined approximately 13.5% since the beginning of the year, contrasting with the S&P 500's gain of 1.4% [4] - The future performance of the stock will largely depend on management's commentary during the earnings call [4] Earnings Outlook - The current consensus EPS estimate for the upcoming quarter is $0.08 on revenues of $377.47 million, and for the current fiscal year, it is $0.51 on revenues of $1.58 billion [8] - The estimate revisions trend for Trupanion was favorable ahead of the earnings release, resulting in a Zacks Rank 2 (Buy) for the stock, indicating expected outperformance in the near future [7] Industry Context - The Insurance - Accident and Health industry, to which Trupanion belongs, is currently in the top 36% of over 250 Zacks industries, suggesting a favorable outlook compared to the bottom 50% [9]