TrupanionTRUP +5.54%68 Days Payable is 4.14 as of Mar. 2026, which is 1% above its 10-year median of 4.10. 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 55 Insurance companies, Trupanion ranks worse than 96.36% on this metric.
Trupanion's average Accounts Payable for the
three
months ended in Mar. 2026 was $15 Mil. Trupanion's Cost of Goods Sold for the
three
months ended in Mar. 2026 was $323 Mil.
Hence, Trupanion's Days Payable for the
three
months ended in Mar. 2026 was 4.14.
The historical rank and industry rank for Trupanion's Days Payable or its related term are showing as below:
TRUP'
s Days Payable Range Over the Past 10 Years
Min: 3.55 Med: 4.1 Max: 4.61
Current: 3.55
During the past 13 years, Trupanion's highest Days Payable was 4.61. The lowest was 3.55. And the median was 4.10.
TRUP's Days Payable is ranked worse than 96.36% of 55
companies
in the Insurance industry
Industry Median: 62.69
vs TRUP: 3.55
Trupanion's Days Payable
increased
from Mar. 2025 (3.33) to Mar. 2026 (4.14).
It may suggest that Trupaniondelayed paying its suppliers.
Trupanion Days Payable Related Terms
Trupanion Days Payable Historical Data
* Premium members only.
The historical data trend for Trupanion's Days Payable 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 Days Payable, along with its competitors' market caps and Days Payable 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 Days Payable vs Insurance Industry
For the Insurance industry and Financial Services sector, Trupanion's Days Payable distribution charts can be found below:
* The bar in red indicates where Trupanion's Days Payable falls into.
Days Payable indicates the number of days that the account payable relative to cost of goods sold the company has. An increase of Days Payable may suggest that the company delays paying its suppliers.
Trupanion's Days Payable for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Days Payable of 4.14 as of Mar. 2026. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on Trupanion and its competitors. This is near median its historical median of 4.10. Over the past decade, Trupanion's Days Payable has ranged from 3.55 to 4.61. According to the industry distribution chart, Trupanion ranks #53 out of 55 companies in the Insurance industry, placing it in the top 96.4%.
Is Trupanion's Days Payable too high?
Trupanion's current Days Payable of 4.14 is near median its 10-year median of 4.10. Over the past 10 years, this metric has ranged from a low of 3.55 to a high of 4.61. The Insurance industry median Days Payable is 62.69. Trupanion's value of 4.14 is 93.4% below this industry median. Based on the distribution chart, Trupanion ranks #53 out of 55 companies in the Insurance industry, which is in the bottom quartile relative to peers. 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 Days Payable compare to ASIC and BOW?
According to the Insurance industry distribution chart, Trupanion ranks #53 out of 55 companies for Days Payable. This places Trupanion in the lower half of its industry. The industry median Days Payable is 62.69. Trupanion's value of 4.14 is 93.4% below this benchmark. Historically, Trupanion's own Days Payable has ranged from 3.55 to 4.61 over the past decade. While the company's 10-year median is 4.10 vs. the industry median of 62.69, Trupanion has consistently been below 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 Days Payable for an Insurance company?
The median Days Payable among Insurance companies is 62.69, based on 55 companies in the industry. Companies in the top quartile (top 25%) have a Days Payable significantly above this median, while those in the bottom quartile fall well below. However, Days Payable should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Trupanion's current Days Payable of 4.14 is 93.4% below 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 Days Payable mean?
A high Days Payable can signal that a stock is expensive relative to its fundamentals. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on Trupanion and its competitors. For the Insurance industry, the median Days Payable is 62.69 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Trupanion's current Days Payable is 4.14, which is near median its own 10-year median of 4.10. 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 Days Payable is 4.14, which is near median its 10-year median of 4.10 and 93.4% below the Insurance industry median of 62.69. 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 Days Payable calculated?
Days Payable is calculated from a company's financial statements. For Trupanion (TRUP), the current Days Payable is 4.14 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:
Days Payable: 4.14 (near median its 10-year median of 4.10)
GF Value™: $40.11 vs. price of $25.35 (36.8% below fair value)
Industry Position: 93.4% below the Insurance median (#53 of 55)
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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