Trupanion (TRUP) FCF Margin (2013 - 2026)
Trupanion (TRUP) reported FCF Margin of 3.71% for Q1 2026, down 72.0% on a YoY basis from 13.26% in Q1 2025, and down 64.45% quarter-over-quarter from 10.44% in Q4 2025.
Trupanion (TRUP) FCF Margin (2013 - 2026) Analysis & Trends
Trupanion has reported FCF Margin for 14 years, with the latest figure at 3.71% in Q1 2026.
- For the quarter ending Q1 2026, FCF Margin fell 72.0% year-over-year to 3.71%; the trailing twelve-month figure through Mar 2026 stood at 5.97% (up 204.0% YoY), and the FY2025 full-year result was 6.21%, up 321.0% from the prior year.
- FCF Margin for Q1 2026 stood at 3.71%, down from 10.44% in the prior quarter.
- The five-year high for FCF Margin was 10.44% in Q4 2025, with the low at 5.78% in Q4 2022.
- Historically, FCF Margin has averaged 1.68% across 5 years, with a median of 2.22% in 2024.
- Annual changes were most pronounced in 2022 — FCF Margin plunged 488 bps — and 2025, when it soared 615 bps.
- Trupanion's FCF Margin stood at 5.78% in 2022, then surged by 100 bps to 0.01% in 2023, then surged by 39762 bps to 4.29% in 2024, then surged by 143 bps to 10.44% in 2025, then sank by 64 bps to 3.71% in 2026.
- The last three FCF Margin figures came in at 3.71% (Q1 2026), 10.44% (Q4 2025), and 6.52% (Q3 2025), per Business Quant data.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | FCF Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Chubb | 127.40 Bn | 119.98 Bn | 8.64 Bn | 26.72% |
| 2 | Progressive | 119.47 Bn | 115.12 Bn | 8.36 Bn | 19.40% |
| 3 | Travelers Companies | 65.26 Bn | 41.34 Bn | 5.54 Bn | 18.33% |
| 4 | Allstate | 57.33 Bn | 32.74 Bn | 14.72 Bn | 20.79% |
| 5 | Berkley W R | 26.90 Bn | 23.16 Bn | 2.72 Bn | 18.85% |
| 6 | Cincinnati Financial | 25.67 Bn | 24.41 Bn | 2.60 Bn | 25.12% |
| 7 | Markel | 22.97 Bn | 7.51 Bn | 2.38 Bn | -0.88% |
| 8 | Loews | 22.18 Bn | 9.92 Bn | -1.32 Bn | -15.38% |
| 9 | Assurant | 12.79 Bn | 10.87 Bn | 2.01 Bn | 6.92% |
| 10 | Trupanion | 957.12 Mn | 573.46 Mn | 61.49 Mn | 3.71% |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | 3.71% |
| Dec 31, 2025 | 10.44% |
| Sep 30, 2025 | 6.52% |
| Jun 30, 2025 | 3.09% |
| Mar 31, 2025 | 4.43% |
| Dec 31, 2024 | 4.29% |
| Sep 30, 2024 | 4.69% |
| Jun 30, 2024 | 2.22% |
| Mar 31, 2024 | 0.57% |
| Dec 31, 2023 | -0.01% |
| Sep 30, 2023 | 4.19% |
| Jun 30, 2023 | 0.17% |
| Mar 31, 2023 | -4.70% |
| Dec 31, 2022 | -5.78% |
| Sep 30, 2022 | 1.43% |
| Jun 30, 2022 | -3.22% |
| Mar 31, 2022 | -3.47% |
| Dec 31, 2021 | -3.43% |
| Sep 30, 2021 | 6.31% |
| Jun 30, 2021 | -3.02% |