TrupanionTRUP +1.23%68 Net Margin % is 1.27% as of Mar. 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 501 Insurance companies, Trupanion ranks worse than 84.63% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Trupanion's Net Income for the
three
months ended in Mar. 2026 was $5 Mil. Trupanion's Revenue for the
three
months ended in Mar. 2026 was $384 Mil. Therefore, Trupanion's net margin for the quarter that ended in Mar. 2026 was 1.27%.
The historical rank and industry rank for Trupanion's Net Margin % or its related term are showing as below:
TRUP'
s Net Margin % Range Over the Past 10 Years
Min: -5.08 Med: -0.96 Max: 1.74
Current: 1.74
TRUP's Net Margin % is ranked worse than 84.63% of 501
companies
in the Insurance industry
Industry Median: 9.29
vs TRUP: 1.74
Trupanion (NAS:TRUP) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Trupanion Net Margin % Related Terms
Trupanion Net Margin % Historical Data
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The historical data trend for Trupanion's Net 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 Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Trupanion's Net Margin % distribution charts can be found below:
* The bar in red indicates where Trupanion's Net 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 Net Margin % of 1.27% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Trupanion and its competitors. According to the industry distribution chart, Trupanion ranks #424 out of 501 companies in the Insurance industry, placing it in the top 84.6%.
Is Trupanion's Net Margin % too high?
Trupanion's current Net Margin % is 1.27%. The Insurance industry median Net Margin % is 9.29. Trupanion's value of 1.27% is 86.3% below this industry median. Based on the distribution chart, Trupanion ranks #424 out of 501 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 Net Margin % compare to ASIC and BOW?
According to the Insurance industry distribution chart, Trupanion ranks #424 out of 501 companies for Net Margin %. This places Trupanion in the lower half of its industry. The industry median Net Margin % is 9.29. Trupanion's value of 1.27% is 86.3% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for an Insurance company?
The median Net Margin % among Insurance companies is 9.29, based on 501 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Trupanion's current Net Margin % of 1.27% is 86.3% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Trupanion and its competitors. For the Insurance industry, the median Net Margin % is 9.29 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Trupanion's current Net Margin % is 1.27%. 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 Net Margin % is 1.27% and 86.3% below the Insurance industry median of 9.29. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Trupanion (TRUP), the current Net Margin % is 1.27% 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:
Net Margin %: 1.27%
GF Value™: $40.11 vs. price of $23.91 (40.4% below fair value)
Industry Position: 86.3% below the Insurance median (#424 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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