TrupanionTRUP +5.54%68 Pretax Margin % is 1.55% 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 86.83% on this metric.
Pre-Tax margin is calculated as Pre-Tax Income divided by its Revenue. Trupanion's Pre-Tax Income for the
three
months ended in Mar. 2026 was $6 Mil. Trupanion's Revenue for the
three
months ended in Mar. 2026 was $384 Mil. Therefore, Trupanion's pretax margin for the quarter that ended in Mar. 2026 was 1.55%.
The historical rank and industry rank for Trupanion's Pretax Margin % or its related term are showing as below:
TRUP'
s Pretax Margin % Range Over the Past 10 Years
Min: -5.04 Med: -0.97 Max: 1.98
Current: 1.98
TRUP's Pretax Margin % is ranked worse than 86.83% of 501
companies
in the Insurance industry
Industry Median: 12.04
vs TRUP: 1.98
Trupanion (NAS:TRUP) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Trupanion Pretax Margin % Related Terms
Trupanion Pretax Margin % Historical Data
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The historical data trend for Trupanion's Pretax 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.
TRUP vs ASIC, BOW, SAFT: Pretax Margin % Comparison
For the Insurance - Property & Casualty subindustry, Trupanion's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Trupanion's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Trupanion's Pretax 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 Pretax Margin % of 1.55% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Trupanion and its competitors. According to the industry distribution chart, Trupanion ranks #435 out of 501 companies in the Insurance industry, placing it in the top 86.8%.
Is Trupanion's Pretax Margin % too high?
Trupanion's current Pretax Margin % is 1.55%. The Insurance industry median Pretax Margin % is 12.04. Trupanion's value of 1.55% is 87.1% below this industry median. Based on the distribution chart, Trupanion ranks #435 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 Pretax Margin % compare to ASIC and BOW?
According to the Insurance industry distribution chart, Trupanion ranks #435 out of 501 companies for Pretax Margin %. This places Trupanion in the lower half of its industry. The industry median Pretax Margin % is 12.04. Trupanion's value of 1.55% is 87.1% 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 Pretax Margin % for an Insurance company?
The median Pretax Margin % among Insurance companies is 12.04, based on 501 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Trupanion's current Pretax Margin % of 1.55% is 87.1% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Trupanion and its competitors. For the Insurance industry, the median Pretax Margin % is 12.04 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Trupanion's current Pretax Margin % is 1.55%. 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 Pretax Margin % is 1.55% and 87.1% below the Insurance industry median of 12.04. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Trupanion (TRUP), the current Pretax Margin % is 1.55% 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:
Pretax Margin %: 1.55%
GF Value™: $40.11 vs. price of $25.35 (36.8% below fair value)
Industry Position: 87.1% below the Insurance median (#435 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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