TrupanionTRUP +5.54%68 Current Ratio is 1.73 as of Mar. 2026, which is 2% below its 10-year median of 1.76. GuruFocus rates TRUP with a GF Score™ of 68/100 and a GF Value™ of $40.11 (Significantly Undervalued). The stock has 3 warning signs investors should review. Among 65 Insurance companies, Trupanion ranks better than 53.85% on this metric.
The current ratio is a liquidity ratio that measures a company's ability to pay short-term obligations. It is calculated as a company's Total Current Assets divides by its Total Current Liabilities. Trupanion's current ratio for the quarter that ended in Mar. 2026 was 1.73.
Trupanion has a current ratio of 1.73. It generally indicates good short-term financial strength.
The historical rank and industry rank for Trupanion's Current Ratio or its related term are showing as below:
TRUP'
s Current Ratio Range Over the Past 10 Years
Min: 1.5 Med: 1.76 Max: 3.04
Current: 1.73
During the past 13 years, Trupanion's highest Current Ratio was 3.04. The lowest was 1.50. And the median was 1.76.
TRUP's Current Ratio is ranked better than 53.85% of 65
companies
in the Insurance industry
Industry Median: 1.68
vs TRUP: 1.73
Trupanion (NAS:TRUP) Current Ratio Explanation
The current ratio can give a sense of the efficiency of a company's operating cycle or its ability to turn its product into cash. Companies that have trouble getting paid on their receivables or have long inventory turnover can run into liquidity problems because they are unable to alleviate their obligations. Because business operations differ in each industry, it is always more useful to compare companies within the same industry.
Acceptable current ratios vary from industry to industry and are generally between 1 and 3 for healthy businesses.
The higher the current ratio, the more capable the company is of paying its obligations. A ratio under 1 suggests that the company would be unable to pay off its obligations if they came due at that point. While this shows the company is not in good financial health, it does not necessarily mean that it will go bankrupt - as there are many ways to access financing - but it is definitely not a good sign.
If all other things were equal, a creditor, who is expecting to be paid in the next 12 months, would consider a high current ratio to be better than a low current ratio, because a high current ratio means that the company is more likely to meet its liabilities which fall due in the next 12 months.
Trupanion Current Ratio Related Terms
Trupanion Current Ratio Historical Data
* Premium members only.
The historical data trend for Trupanion's Current Ratio can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Insurance - Property & Casualty subindustry, Trupanion's Current Ratio, along with its competitors' market caps and Current Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Trupanion Current Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, Trupanion's Current Ratio distribution charts can be found below:
* The bar in red indicates where Trupanion's Current Ratio falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Trupanion (TRUP) has a Current Ratio of 1.73 as of Mar. 2026. This is near median its historical median of 1.76. Over the past decade, Trupanion's Current Ratio has ranged from 1.50 to 3.04. According to the industry distribution chart, Trupanion ranks #30 out of 65 companies in the Insurance industry, placing it in the top 46.2%.
Is Trupanion's Current Ratio too high?
Trupanion's current Current Ratio of 1.73 is near median its 10-year median of 1.76. Over the past 10 years, this metric has ranged from a low of 1.50 to a high of 3.04. The Insurance industry median Current Ratio is 1.68. Trupanion's value of 1.73 is 3% above this industry median. Based on the distribution chart, Trupanion ranks #30 out of 65 companies in the Insurance industry, which is above the industry midpoint. Overall, Trupanion has a GF Score™ of 68/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Trupanion's Current Ratio compare to ASIC and BOW?
According to the Insurance industry distribution chart, Trupanion ranks #30 out of 65 companies for Current Ratio. This puts Trupanion in the upper half of its industry. The industry median Current Ratio is 1.68. Trupanion's value of 1.73 is 3% above this benchmark. Historically, Trupanion's own Current Ratio has ranged from 1.50 to 3.04 over the past decade. While the company's 10-year median is 1.76 vs. the industry median of 1.68, Trupanion has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Current Ratio for an Insurance company?
The median Current Ratio among Insurance companies is 1.68, based on 65 companies in the industry. Companies in the top quartile (top 25%) have a Current Ratio significantly above this median, while those in the bottom quartile fall well below. However, Current Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Trupanion's current Current Ratio of 1.73 is 3% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Current Ratio mean?
A high Current Ratio can signal that a stock is expensive relative to its fundamentals. For the Insurance industry, the median Current Ratio is 1.68 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Trupanion's current Current Ratio is 1.73, which is near median its own 10-year median of 1.76. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Trupanion stock overvalued right now?
Based on GuruFocus' analysis, Trupanion (TRUP) is currently considered Significantly Undervalued. The stock's GF Value™ is $40.11, compared to a current price of $25.35 — trading 36.8% below its estimated fair value. The current Current Ratio is 1.73, which is near median its 10-year median of 1.76 and 3% above the Insurance industry median of 1.68. Trupanion's overall GF Score™ is 68/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Current Ratio calculated?
Current Ratio is calculated from a company's financial statements. For Trupanion (TRUP), the current Current Ratio is 1.73 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Trupanion (TRUP) Overvalued in 2026?
Based on GuruFocus' analysis, Trupanion stock appears to be undervalued.
The current stock price of $25.35 is trading 36.8% below its estimated GF Value™ of $40.11.
GuruFocus considers Trupanion to be Significantly Undervalued.
Key valuation signals for TRUP:
Current Ratio: 1.73 (near median its 10-year median of 1.76)
GF Value™: $40.11 vs. price of $25.35 (36.8% below fair value)
Industry Position: 3% above the Insurance median (#30 of 65)
No single metric tells the full story. See the TRUP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Trupanion Inc is a specialty insurance products provider in the United States. Its core business is the sale of insurance products tailor-made for pets, especially cats and dogs. It operates in two business segments: The subscription business segment generates revenue majorly from subscription fees related to the company's direct-to-consumer products and Other business segment is comprised of revenue from other product offerings that generally have a business-to-business relationship and a different margin profile than subscription business segment, including revenue from writing policies on behalf of third parties and revenue from other products and software solutions. Geographically, the company operates in United States, which derives maximum revenue; and Canada and Others.
68GF Score
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