TRUP (Trupanion) Moat Score: 4/10 (As of Jun. 30, 2026)


TRUP Trupanion Inc TRUP
68 GF Score
Price $24.77
GF Value $40.11
Valuation Significantly Undervalued
! 3 Warning Signs
View Full Analysis

What is Trupanion Moat Score?

Trupanion TRUP -2.79% 68 Moat Score is 4 as of Jun. 30, 2026. 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 601 Insurance companies, Trupanion ranks better than 79.7% on this metric.

Trupanion has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Trupanion has Narrow Moat: Trupanion Inc has a discernible moat due to its specialized focus on pet insurance and a growing customer base. However, the market is competitive, and switching costs are moderate. The company's brand and distribution network provide some advantages, but they are modest.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Trupanion might have Narrow Moat - Discernible but modest moat.

Trupanion  (NAS:TRUP) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Trupanion Moat Score Related Terms

TRUP vs SAFT, ASIC, UVE: Moat Score Comparison

For the Insurance - Property & Casualty subindustry, Trupanion's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Insurance Industry

For the Insurance industry and Financial Services sector, Trupanion's Moat Score distribution charts can be found below:

* The bar in red indicates where Trupanion's Moat Score falls into.


TRUP
68GF Score
Trupanion Inc TRUP
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis
Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
Trupanion (TRUP) has a Moat Score of 4 as of Jun. 30, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Trupanion ranks #122 out of 601 companies in the Insurance industry, placing it in the top 20.3%.
Is Trupanion's Moat Score too high?
Trupanion's current Moat Score is 4. Based on the distribution chart, Trupanion ranks #122 out of 601 companies in the Insurance industry, which is in the top quartile — a strong position 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 Moat Score compare to SAFT and ASIC?
According to the Insurance industry distribution chart, Trupanion ranks #122 out of 601 companies for Moat Score. This places Trupanion in the top 20% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for an Insurance company?
A good Moat Score depends on the Insurance industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Trupanion's current Moat Score is 4. 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 $24.77 — trading 38.3% below its estimated fair value. The current Moat Score is 4. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Trupanion (TRUP), the current Moat Score is 4 as of Jun. 30, 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 $24.77 is trading 38.3% below its estimated GF Value™ of $40.11. GuruFocus considers Trupanion to be Significantly Undervalued.

Key valuation signals for TRUP:

  • Moat Score: 4
  • GF Value™: $40.11 vs. price of $24.77 (38.3% below fair value)
  • GF Score™: 68/100 with 3 warning signs

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 Business Description

Other Exchanges 0LH0:UKTPW:Germany
Address 6100 4th Avenue South, Suite 200, Seattle, WA, USA, 98108
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

Get the complete analysis for TRUP

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$24.77
Price
$40.11
GF Value