Welcome to our dedicated page for Trupanion SEC filings (Ticker: TRUP), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
Trupanion, Inc. filings document the company’s pet medical insurance business, public-company governance, and capital structure. Form 8-K reports include quarterly and annual operating results, with disclosures on subscription revenue, enrolled pets, net acquisition cost, adjusted EBITDA, operating cash flow, and other measures used to describe the company’s insurance economics.
The filing record also covers material agreements, including credit facilities, secured borrowings, maturity terms, covenants, and limits on corporate actions. Proxy materials document director elections, board composition, executive compensation, equity awards, shareholder voting matters, and related governance disclosures.
Trupanion’s Q2-25 10-Q shows a return to profitability and improved operating leverage. Revenue grew 12.3% YoY to $353.6 m, driven mainly by a 16% increase in subscription revenue to $242.2 m, while other-business revenue rose 4.9% to $111.4 m.
Margins strengthened. Cost of revenue rose 8.8%, lifting gross margin to 15.5% (vs 12.8%). Operating expenses increased 14.9% to $52.5 m, but operating income swung to $2.3 m from a $5.5 m loss. Net income reached $9.4 m (-$5.9 m LY), or $0.22 diluted EPS, aided by an $7.8 m gain on a non-monetary exchange of Baystride preferred stock for IP.
Cash & balance sheet. Operating cash flow improved to $31.0 m (vs $9.3 m), though total cash, equivalents and restricted cash fell $35.1 m to $164.5 m after $14.9 m voluntary term-loan repayment and $142 m securities purchases. Long-term debt declined to $113.1 m.
Key operating metrics.
- Total pets enrolled: 1.66 m (-2.3% YoY); subscription pets: 1.07 m (+4.4%).
- Monthly ARPP: $79.93 (+11.5%).
- Average PAC: $276 (+19.5%).
- Average monthly retention: 98.29% (-5 bp).
Guidance not provided in the filing.