TRUPANION, INC. (TRUP) Financial Ratio Screen

NASDAQ Financial Services United States USD 1072M
BUSINESS EXCLUSION FLAG*
Automated financial screen · activity assessed separately
TRUPANION, INC. (TRUP) is potentially non-compliant because its supplied classification is Insurance - Property & Casualty. Companies operating in prohibited sectors such as conventional banking, insurance, alcohol, tobacco, and gambling are automatically excluded regardless of their financial ratios.

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MSCI new-inclusion financial-ratio snapshot

TRUP financial screening at a glance

BUSINESS EXCLUSION FLAG*Financial ratios shown separately from business review — not a fatwa
Debt ratio
N/A
Not available vs 30%
Cash ratio
N/A
Not available vs 30%
Receivables + cash
N/A
Not available vs 30%
Impermissible income
N/A
Not available vs 5%

Calculation date: 2026-10-16. Financial period used: December 2025. The ratios are automated proxies inspired by published methodologies; they are not official index determinations.

Independent method comparison

What the available screens say

How MSCI, FTSE and S&P-style screens differ
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MSCI-styleBusiness exclusion flagSupplied classification requires attention
FTSE/Yasaar-styleBusiness exclusion flagSupplied classification requires attention
S&P-style provisionalNot yet availableRequired denominator or financial data is incomplete
Business activityBusiness exclusion flagSupplied sector or industry classification matched an exclusion
Complete screening result: not yet completeA complete result requires both supported financial criteria and adequate activity evidence. This site does not issue a fatwa or official index decision.
Financial periodDecember 2025Calculation date2026-10-16S&P-style historynot availableLast activity reviewnot yet reviewed

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Business activity evidence

Business exclusion flag

The supplied classification (Insurance - Property & Casualty) matches a prohibited-activity category.

Revenue segments: Not yet checked against an SEC annual filing.

Profile description reviewed: Trupanion, Inc., together with its subsidiaries, provides medical insurance for cats and dogs on subscription basis in the United States, Canada, and Continental Europe. The company operates in two segments, Subscription Business and Other Business. It serves pet owners and veterinarians. The company was formerly known as Vetinsurance International, Inc. and changed its name to Trupanion, Inc. in 2013. Trupanion, Inc. was founded in 2000 and is headquartered in Seattle, Washington.

Sources to verify: Secondary company profile and classification · Issuer website · SEC issuer filings

A sector label or company description can flag a risk but cannot establish a compliant-revenue percentage. Only sourced segment disclosures may support that calculation.

Published-ratio reproductions (not certifications)

The table shows implemented MSCI and FTSE/Yasaar-style asset-based models plus a provisional S&P-style debt and cash reconstruction where a complete 36-month denominator exists. These are independent calculations, not official index results or Shariah determinations. See formulas, sources and limitations.

Based on financial data from December 2025

Standard Debt Ratio Cash Ratio Receivables Income Status
MSCI Excluded — Insurance - Property & Casualty BUSINESS EXCLUSION FLAG*
FTSE Excluded — Insurance - Property & Casualty BUSINESS EXCLUSION FLAG*

Financial Highlights

P/E Ratio
46.4
Forward: 5.8
EPS
currency unverified 0.53
Dividend Yield
0.0%
P/B Ratio
2.6
EV/EBITDA
19.3
EV: USD 786M
Revenue
USD 1.4B
Growth: 11.1%
Beta
1.4
High volatility
Current Ratio
1.8

Profitability

Gross Margin 22.6%
Operating Margin 1.6%
Net Margin 1.5%
Return on Equity (ROE) 6.1%
Return on Assets (ROA) 1.8%

Cash Flow & Balance Sheet

Operating Cash FlowUSD 89M
Free Cash FlowUSD 75M
Total DebtUSD 112M
Debt-to-Equity26.1
Current Ratio1.8
Total AssetsUSD 915M

Price & Trading

Last Close$23.58
50-Day MA$26.84
200-Day MA$27.52
Avg Volume463K
Beta1.4
52-Week Range
$21.16
$46.98

Financial data provenance and verification

The displayed fields were imported from yfinance on 2026-10-06 for the financial period December 2025. This is a secondary data feed and can differ from amended or newly filed statements.

Verification rule: check debt, cash, receivables, revenue and interest income against the latest primary filing before relying on an automated ratio.

About TRUPANION, INC. (TRUP)

CEO
Ms. Margaret Rosemary Maria Tooth
Employees
1,121
Sector
Financial Services
Industry
Insurance - Property & Casualty
Country
United States
Exchange
NASDAQ
Market Cap (listing currency)
USD 1072M
Currency
USD

Trupanion, Inc., together with its subsidiaries, provides medical insurance for cats and dogs on subscription basis in the United States, Canada, and Continental Europe. The company operates in two segments, Subscription Business and Other Business. It serves pet owners and veterinarians. The company was formerly known as Vetinsurance International, Inc. and changed its name to Trupanion, Inc. in 2013. Trupanion, Inc. was founded in 2000 and is headquartered in Seattle, Washington.

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Frequently Asked Questions

Is TRUPANION, INC. (TRUP) halal to invest in?

The current automated result is Financial criteria not met or an activity exclusion was detected. It uses available public financial fields and simplified methodology proxies. It is not a fatwa or an official determination by AAOIFI, DJIM, MSCI, S&P, or FTSE.

What is TRUPANION, INC.'s debt ratio?

TRUPANION, INC.'s debt ratio is not available in the MSCI new-inclusion reproduction: total debt divided by total assets, against a 30% threshold. See the methodology page for the official source and limitations.

What are TRUPANION, INC.'s key financial metrics?

TRUPANION, INC. has a market capitalization of USD 1072M in its listing currency, trailing P/E ratio of 46.4, and revenue of USD 1.4B. The company maintains a gross margin of 22.6% and a net margin of 1.5%. Return on equity stands at 6.1%.

How often is the screening data updated?

Calculation date: 2026-10-16. Financial period: December 2025. These dates are shown separately because regenerating this page does not refresh the underlying data.

Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.