TrupanionTRUP +1.23%68 FCF Margin % is 3.58% as of Mar. 2026, which is 66% above its 10-year median of 2.16. 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 501 Insurance companies, Trupanion ranks worse than 64.27% on this metric.
FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Trupanion's Free Cash Flow for the
three
months ended in Mar. 2026 was $14 Mil. Trupanion's Revenue for the
three
months ended in Mar. 2026 was $384 Mil. Therefore, Trupanion's FCF Margin % for the quarter that ended in Mar. 2026 was 3.58%.
The historical rank and industry rank for Trupanion's FCF Margin % or its related term are showing as below:
TRUP'
s FCF Margin % Range Over the Past 10 Years
Min: -15.53 Med: 2.16 Max: 5.24
Current: 5.07
During the past 13 years, the highest FCF Margin % of Trupanion was 5.24%. The lowest was -15.53%. And the median was 2.16%.
TRUP's FCF Margin % is ranked worse than 64.27% of 501
companies
in the Insurance industry
Industry Median: 9.6
vs TRUP: 5.07
Trupanion FCF Margin % Related Terms
Trupanion FCF Margin % Historical Data
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The historical data trend for Trupanion's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Trupanion's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Trupanion's FCF Margin % 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 FCF Margin % of 3.58% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Trupanion and its competitors. This is 66% above median its historical median of 2.16. According to the industry distribution chart, Trupanion ranks #322 out of 501 companies in the Insurance industry, placing it in the top 64.3%.
Is Trupanion's FCF Margin % too high?
Trupanion's current FCF Margin % of 3.58% is 66% above median its 10-year median of 2.16. The Insurance industry median FCF Margin % is 9.60. Trupanion's value of 3.58% is 62.7% below this industry median. Based on the distribution chart, Trupanion ranks #322 out of 501 companies in the Insurance industry, which is below 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 FCF Margin % compare to ASIC and BOW?
According to the Insurance industry distribution chart, Trupanion ranks #322 out of 501 companies for FCF Margin %. This places Trupanion in the lower half of its industry. The industry median FCF Margin % is 9.60. Trupanion's value of 3.58% is 62.7% below this benchmark. While the company's 10-year median is 2.16 vs. the industry median of 9.60, 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 FCF Margin % for an Insurance company?
The median FCF Margin % among Insurance companies is 9.60, based on 501 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Trupanion's current FCF Margin % of 3.58% is 62.7% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Trupanion and its competitors. For the Insurance industry, the median FCF Margin % is 9.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Trupanion's current FCF Margin % is 3.58%, which is 66% above median its own 10-year median of 2.16. 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 $23.91 — trading 40.4% below its estimated fair value. The current FCF Margin % is 3.58%, which is 66% above median its 10-year median of 2.16 and 62.7% below the Insurance industry median of 9.60. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Trupanion (TRUP), the current FCF Margin % is 3.58% 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 $23.91 is trading 40.4% below its estimated GF Value™ of $40.11.
GuruFocus considers Trupanion to be Significantly Undervalued.
Key valuation signals for TRUP:
FCF Margin %: 3.58% (66% above median its 10-year median of 2.16)
GF Value™: $40.11 vs. price of $23.91 (40.4% below fair value)
Industry Position: 62.7% below the Insurance median (#322 of 501)
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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