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Trupanion director Howard E. Rubin reported acquiring common shares through restricted stock unit (RSU) vesting. On February 22, 2026, 318 RSUs converted on a one-for-one basis into 318 shares of Trupanion common stock at $0.00 per share via derivative exercises coded “M.”
These RSUs stem from three grants of 423 units each received on May 9, 2025 for service on boards of wholly owned subsidiaries, vesting in four equal quarterly installments. Following these conversions, Rubin directly owned 232,550 shares of Trupanion common stock.
TRUPANION, INC. CEO and director Margaret Tooth reported a series of equity compensation transactions. On February 20, 2026, she was granted 65,497 restricted stock units (RSUs) at $0.00 per unit, which will vest in installments beginning May 22, 2026, subject to continued service.
On February 22, 2026, multiple RSU tranches were exercised and converted into common stock, and corresponding common stock entries show acquisitions at $0.00 per share reflecting those conversions. Separate entries report dispositions of common stock at $27.16 per share to satisfy income tax withholding obligations, and the footnotes clarify these withholdings do not represent sales by Tooth.
TRUPANION director Darryl Rawlings increased his direct ownership through RSU conversions. On February 22, 2026, restricted stock units converted into common stock on a one-for-one basis, resulting in the acquisition of 6,563 common shares at a price of $0.0000 per share.
Following these transactions, Rawlings directly owned 41,286 shares of common stock. The RSU grants were originally awarded on February 27, 2024, with scheduled vesting over time, subject to continued service through each vesting date.
TRUPANION, INC. Chief Operating Officer John R. Gallagher reported equity compensation activity involving restricted stock units and common shares. On February 20, 2026, he received a grant of 16,609 RSUs that vest over time, beginning May 22, 2026.
On February 22, 2026, multiple RSU tranches vested and converted one-for-one into common stock through derivative exercises, increasing his direct common share holdings. On the same date, a total of 1,908 common shares were withheld at $27.16 per share to cover tax obligations, which the footnotes state does not represent a sale by Gallagher. After these transactions, he directly held 36,714 shares of common stock.
Trupanion, Inc. reports that Felix Holdings beneficially owns 4,296,538 shares of common stock, representing 9.89% of the class. The filing cites 43,430,169 shares outstanding as of 02/06/2026 per the company's Annual Report on Form 10-K filed 02/13/2026. The filing is signed by Gerhard Kotze on 02/24/2026.
Trupanion, Inc. reported the initial share ownership of its new Section 16 officer and Chief Legal Officer, Asher Bearman, effective February 4, 2026. Bearman beneficially owns 69,272 shares of common stock directly, a stock option for 4,397 shares at $17.97 per share, and several restricted stock unit awards that each convert into common stock on a one-for-one basis and vest over time.
Trupanion, Inc. files its annual report describing a fast-growing but still unprofitable pet insurance business focused on subscription coverage for cats and dogs in North America and parts of Europe. Total pets enrolled in its subscription segment reached 1,096,173 as of December 31, 2025, up from 31,200 in 2010, while subscription revenue grew from $19.1 million in 2010 to $989.3 million in 2025.
The company operates two segments: a higher-margin core subscription business and an "other" segment that underwrites policies for third parties, notably Pets Best, which it expects to decline over time. It targets returning about 71% of premiums as veterinary payments, funded by a data-driven pricing model and heavy investment in new pet acquisition, including $85.4 million of acquisition spend in 2025. Despite this scale, Trupanion reports an accumulated deficit of $206.5 million and highlights numerous risks, including sustained net losses, pricing and regulatory uncertainty, reliance on Territory Partners and strategic partners, technology and cyber risks, competitive pressure, and capital requirements for its multiple insurance entities in the U.S., Canada and Bermuda.
Trupanion reported strong fourth quarter and full-year 2025 results, highlighted by a return to solid profitability and double-digit growth. For 2025, total revenue reached $1,439.3 million, up 12% year over year, with subscription business revenue rising 16% to $989.3 million.
The company generated full-year net income of $19.4 million, or $0.45 per basic and diluted share, compared to a net loss of $9.6 million in 2024, including a $7.8 million realized gain from a preferred stock exchange. Adjusted EBITDA increased to $70.1 million from $46.1 million, while operating cash flow rose to $89.5 million and free cash flow to $75.4 million.
In the fourth quarter, revenue was $376.9 million, up 12%, with subscription revenue of $261.4 million, up 15%. Q4 net income was $5.6 million, or $0.13 per share, and adjusted EBITDA was $21.8 million. Subscription pets enrolled grew 5% to 1,096,173 at December 31, 2025, while total enrolled pets across all segments declined 2% to 1,647,565. Management noted achieving its 15% annual margin target and more than $150 million of discretionary profit in 2025.
Trupanion Chief Operating Officer John R. Gallagher reported selling 430 shares of Trupanion common stock on January 28, 2026 at a price of $31.67 per share. After this sale, he beneficially owned 31,861 shares of the company’s common stock.
The transaction was carried out under a pre-arranged Rule 10b5-1 trading plan that Gallagher adopted on August 20, 2025 to pursue financial diversification. Under this plan, he had no discretion over the timing of the trade, which was executed automatically according to preset instructions.
Trupanion insider John Gallagher has filed a Form 144 notice to sell 430 shares of Trupanion common stock. The planned sale, through Morgan Stanley Smith Barney LLC on NASDAQ, has an aggregate market value of 13618.10 and is targeted for 01/28/2026.
The shares to be sold come from multiple restricted stock awards acquired from the issuer between 02/25/2022 and 02/25/2023, in blocks ranging from 7 to 132 shares. Trupanion had 43,198,164 common shares outstanding at the time listed.
Over the past three months, Gallagher has already sold Trupanion common stock, including 6,383 shares on 11/28/2025 for gross proceeds of 222282.86 and 430 shares on 12/29/2025 for 16146.50.