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. (NASDAQ: TRUP) files a range of documents with the U.S. Securities and Exchange Commission that provide detailed insight into its business as a provider of medical insurance for cats and dogs. These SEC filings cover areas such as financial performance, risk factors, capital structure, governance, and material agreements that shape the company’s operations and its TRUP stock profile.
Key filings for Trupanion include annual reports on Form 10-K, which describe its subscription and other business segments, geographic reach, insurance entities, and risk considerations; and quarterly reports on Form 10-Q, which update investors on revenue from subscription and other business, enrolled pet counts, net income or loss, cash flows, and technology and development spending. Current reports on Form 8-K disclose material events, such as new credit agreements, earnings releases, and board appointments.
For example, Trupanion has used Form 8-K to report entering into a credit agreement with PNC Bank that provides term loan and revolving credit facilities secured by substantially all of the company’s and certain subsidiaries’ assets, and to announce the appointment of a new independent director to its board. Other 8-K filings reference the issuance of press releases detailing quarterly financial results.
Investors can also review Trupanion’s disclosures on non-GAAP financial measures, forward-looking statements, and risk factors, which are discussed in its periodic reports and referenced in earnings-related filings. These documents explain how the company views metrics such as adjusted EBITDA, net acquisition cost, and cash flow, and outline factors that could affect future performance, including claims trends, retention, regulatory constraints, and capital requirements.
On this page, Stock Titan presents Trupanion’s SEC filings alongside AI-powered summaries that highlight the main points of lengthy documents, such as 10-K and 10-Q reports. Users can quickly identify important information on segment performance, debt arrangements, and governance changes, while still having access to the full text of each filing for deeper review.
Wellington Management entities filed a Schedule 13G/A reporting beneficial ownership of Trupanion, Inc. common stock. They report beneficial ownership of 2,038,458 shares, representing 4.76% of the outstanding class. The filing shows shared voting power of 1,604,789 shares and shared dispositive power of 2,038,365 shares, with no sole voting or dispositive power reported.
The securities are owned of record by clients of the Wellington Investment Advisers and are held in the ordinary course of business; the filing states the holdings were not acquired to change or influence control. Reporting persons are identified as holding companies (HC) and the listed Wellington advisers are classified as investment advisers (IA).
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.