Trupanion (TRUP) Surpasses Q3 Earnings and Revenue Projections
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Nov 07 2025
0mins
Should l Buy NU?
Source: NASDAQ.COM
Earnings Performance: Trupanion (TRUP) reported quarterly earnings of $0.13 per share, exceeding the Zacks Consensus Estimate of $0.06, marking a significant earnings surprise of +116.67%. The company also posted revenues of $366.92 million, surpassing expectations by 1.58%.
Stock Outlook: Despite the positive earnings report, Trupanion shares have declined by 11.9% since the start of the year, underperforming the S&P 500's 15.6% gain. The stock currently holds a Zacks Rank #3 (Hold), indicating it is expected to perform in line with the market.
Future Earnings Estimates: The consensus EPS estimate for the upcoming quarter is $0.10, with projected revenues of $369.2 million. For the current fiscal year, the estimate is $0.35 on $1.43 billion in revenues, with mixed trends in earnings estimate revisions noted prior to the earnings release.
Industry Context: The Insurance - Accident and Health industry, to which Trupanion belongs, is currently ranked in the bottom 26% of Zacks industries, suggesting that the overall industry outlook could significantly impact Trupanion's stock performance moving forward.
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Analyst Views on NU
Wall Street analysts forecast NU stock price to rise
9 Analyst Rating
7 Buy
2 Hold
0 Sell
Strong Buy
Current: 17.040
Low
16.00
Averages
18.80
High
22.00
Current: 17.040
Low
16.00
Averages
18.80
High
22.00
About NU
Nu Holdings Ltd is a Brazil-based holding company, which engages in the provision of digital banking services. The Company offers its customers products across the five financial seasons: spending, saving, investing, borrowing, and protecting. Its spending solutions are designed to help customers pay for goods and services in their everyday lives with a customized credit line or instantly through a mobile phone, while collecting loyalty points and rewards on applicable transactions. Its savings solutions are designed to help customers deposit, manage, and save their money in interest-earning accounts with complementary debit cards. Its investing solutions are designed to help customers invest their money in investment products and services. Its borrowing solutions are designed to provide customers with unsecured loans that are easy to receive, manage, and pay back. Its protecting solutions are designed to help customers secure life insurance and funeral benefits.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
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- Nu Holdings Growth Momentum: As an all-digital bank in Brazil, Nu Holdings has attracted over 60% of the adult population, onboarding 1 million new users monthly, indicating significant potential in the Latin American market and expected to continue rewarding investors.
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- SoFi Customer Growth: SoFi added 1 million customers in Q4 2025, a 35% year-over-year increase, bringing total users to nearly 13.7 million, showcasing rapid expansion in the U.S. financial market with significant future growth potential.
- Significant Revenue Growth: SoFi's financial services revenue surged 78% year-over-year in Q4, with contribution profit doubling, indicating success in non-lending services and positioning it to continue outperforming other bank stocks.
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- Market Comparison: The video compares Inter & Co with Nu Holdings, highlighting differences in market positioning and customer base, showcasing Inter & Co's potential in the competitive landscape.
- Latest Developments: The video also mentions recent news about CoreWeave, although details are sparse, it suggests advancements in technological innovation that could impact the industry.
- Viewing Recommendation: Viewers are encouraged to watch the video for more insights and consider subscribing for future updates, indicating the content creator's emphasis on audience engagement.
See More
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- Competitor Comparison: Compared to Nu Holdings, Inter & Co shows differences in market performance and investment appeal, with the latter receiving stronger market confidence reflected in analyst recommendations.
- Investment Advice: Although Inter & Co did not make it onto the Motley Fool Stock Advisor's list of the top 10 stocks, the stocks on that list have historically performed well, prompting investors to carefully assess its investment value.
- Market Performance Review: As of January 26, 2026, Motley Fool Stock Advisor's average return was 920%, significantly outperforming the S&P 500's 196%, highlighting the importance of selecting the right investment targets.
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- Technical Analysis Tool: Comparing the current share price to the 200-day moving average provides valuable insights for investors, helping to assess market trends and potential buy or sell opportunities.
- ETF Unit Trading Mechanism: ETFs trade like stocks, where investors buy and sell 'units' that can be created or destroyed based on demand, impacting the ETF's liquidity and market performance.
- Inflows and Outflows Monitoring: Weekly monitoring of changes in shares outstanding helps identify significant inflows (new units created) or outflows (old units destroyed), which directly affect the ETF's underlying holdings and market dynamics.
See More
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- Nu Holdings Growth: As of February 2, Nu Holdings' shares surged 284% over the past three years, boasting 110 million customers in Brazil and tapping into the vast unbanked population in Latin America, indicating significant future growth potential.
- Revenue and Profit Surge: In Q3, Nu's revenue climbed 42% year-over-year, with net income up 41%, driven by a scalable business model that eliminates branch costs, thereby enhancing profitability.
- SoFi's Technological Innovation: SoFi Technologies saw a 38% surge in adjusted net revenue in 2025, adding 1 million new customers to reach a total of 13.7 million, with projected adjusted net income of $825 million in 2026, reflecting a 72% year-over-year increase.
- Market Potential Comparison: Both companies excel in their respective markets, with Nu focusing on Latin America and SoFi thriving in the U.S., making a case for investing in both as they hold substantial growth potential over the next five years.
See More
Nu Holdings: A Fast-Growing Fintech Leader in Latin America
- Customer Base Surge: From the end of 2021 to Q3 2025, NuBank's customer base more than doubled from 53.9 million to 127 million, showcasing its online model's robust expansion in Brazil, Mexico, and Colombia, thereby solidifying its leadership in the Latin American fintech sector.
- Active Customer Ratio Increase: The activity rate of NuBank rose from 76% to 83%, indicating enhanced customer retention and the successful locking in of users through new fintech services, which boosts overall business stability and profitability.
- Revenue Growth Potential: Analysts project Nu's revenue to grow at a CAGR of 30% from 2024 to 2027, with earnings per share turning positive in 2023 and expected to nearly double in 2024 at a CAGR of 41%, reflecting strong future profitability prospects.
- Market Valuation Compression: Despite being impacted by geopolitical tensions, inflation, and currency devaluation, Nu's market valuation may be compressed; however, as these headwinds dissipate, it is expected to continue expanding over the next decade, positioning itself as a leader in the Latin American fintech market.
See More
