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Trupanion, Inc. (TRUP) chief administration officer Brenna McGibney reported multiple equity transactions on November 24, 2025 related to restricted stock unit (RSU) vesting. Several RSU awards converted into common stock on a one-for-one basis, adding 1,354, 1,250, and 1,881 shares in separate transactions. After these conversions, she directly held 5,059, 5,585, and then 6,797 common shares before subsequent tax withholdings.
In connection with these vestings, Trupanion withheld 724, 669, and 1,006 shares of common stock at a price of $35.4 per share to satisfy income tax withholding and remittance obligations, which the filing clarifies do not represent sales by McGibney. The derivative table shows RSU awards originally granted on February 27, 2024 and February 27, 2025, with scheduled vesting over time, contingent on continued service.
Trupanion, Inc. (TRUP) executive vice president for North America & Vet Strategy Steve Weinrauch reported routine equity compensation activity. On 11/24/2025, restricted stock units converted into a total of 4,960 shares of common stock through two transactions of 2,931 and 2,029 shares coded “M” for RSU conversion.
On the same date, the issuer withheld 1,207 shares of common stock (713 and 494 shares, coded “F”) at a price of $35.4 per share to cover income tax withholding obligations related to the RSU vesting, which is explicitly described as not being a sale by the reporting person. After these transactions, Weinrauch beneficially owned 67,665 shares of Trupanion common stock directly.
The report also shows derivative holdings in the form of restricted stock units. Following the transactions, Weinrauch held 14,659 RSUs from a grant originally made on February 27, 2025 and 2,029 RSUs from a grant originally made on February 27, 2024. Both RSU grants vest in eighths, with initial vesting on May 22 of the grant year and subsequent quarterly vesting, subject to continued service.
Trupanion, Inc. (TRUP) director reported an option exercise on a Form 4. On 11/20/2025, the reporting person exercised a stock option (transaction code M) to acquire 2,000 shares of common stock at an exercise price of $14.95 per share.
The underlying stock option gave the right to buy 2,000 shares at $14.95 and was originally granted on 08/08/2016, and is described as fully vested. After this transaction, the director directly owns 27,215 shares of Trupanion common stock, and the number of these particular derivative securities is reported as 0.
Trupanion, Inc. (TRUP) director reports new equity award. Director Bradley S. Powell reported a grant of 1,906 restricted stock units (RSUs), each convertible into one share of Trupanion common stock. The RSUs were granted on November 14, 2025 and are scheduled to vest in three equal installments on November 22, 2025, February 22, 2026, and May 22, 2026, subject to his continued service through each vesting date. Following this grant, he holds 1,906 derivative securities as a direct owner.
Trupanion (TRUP) reported Q3 2025 results showing higher revenue and a return to profitability. Revenue was $366,920,000, up from $327,456,000 a year ago. Operating income rose to $5,859,000 from $1,746,000, and net income increased to $5,873,000 with diluted EPS of $0.13.
For the first nine months, revenue reached $1,062,452,000 with net income of $13,803,000, reversing a prior-year loss. Cash from operations was $60,226,000, supporting investments and debt reduction. The balance sheet showed cash and equivalents of $154,773,000, short-term investments of $193,761,000, total assets of $880,173,000, and stockholders’ equity of $368,562,000 as of September 30, 2025.
Subscription segment revenue was $252,697,000 with operating income of $7,826,000; other business revenue was $114,223,000 with an operating loss of $1,967,000. Key metrics included monthly average revenue per pet of $82.01 and average monthly retention of 98.33%. Subsequent to quarter-end, the company refinanced, entering a new $120,000,000 credit facility and used proceeds to retire the prior facility.
Trupanion entered a new secured credit agreement with PNC Bank, adding a $100.0 million term loan and a $20.0 million revolving facility maturing on November 4, 2028. The company immediately borrowed $100.0 million under the term loan and $15.0 million from the revolver, primarily to repay its 2022 credit agreement, which was simultaneously terminated.
Loans bear interest at SOFR plus 2.75% per year. The term loan requires quarterly principal payments of $2.5 million. Trupanion may prepay or reduce commitments at any time without premium or penalty. The facilities are secured by substantially all assets and include financial covenants limiting indebtedness, liens, investments, and mergers. An event of default allows lenders to terminate revolving commitments and accelerate amounts due. Trupanion also furnished a press release for its quarter ended September 30, 2025.
Trupanion, Inc. filed a Form 3 initial statement for Bradley S. Powell, identifying him as a Director. The filing states “No securities are beneficially owned” as of the event date 10/29/2025, and indicates it was filed by one reporting person.
Trupanion appointed Bradley S. Powell to its board of directors. Powell, 65, is an independent director under Nasdaq rules and brings extensive public-company finance experience. He served as Chief Financial Officer of Expeditors International from 2008 to 2025 and previously was CFO of Eden Bioscience from 1998 to 2008, where he led its 2000 IPO.
Powell will serve until the 2026 annual meeting of stockholders. He has no arrangements related to his appointment, no family relationships with Trupanion’s leadership, and no material interests in related-party transactions. Trupanion entered into its standard indemnification agreement with him, and he will participate in the Compensation Program for Non-Employee Directors.
Trupanion, Inc. (TRUP) CEO and director Margaret Tooth reported a Rule 10b5-1(c) trade on 10/27/2025.
She exercised 6,000 options at $8.93 and then sold 6,000 shares at a weighted average price of $43.7233 and 2,884 shares at a weighted average price of $43.7424. The sales were executed in multiple transactions within stated price ranges under a pre‑arranged trading plan adopted on June 6, 2025.
Following these transactions, Tooth beneficially owned 141,345 shares of common stock directly and held 16,000 stock options outstanding. The referenced stock option grant is fully vested and expires on 12/21/2025.
Tarmac DLTFM Limited reports beneficial ownership of 3,575,538 shares of Trupanion, Inc. common stock, representing 8.3% of the outstanding class based on 42,994,675 shares outstanding as of July 31, 2025. The filing states Tarmac holds sole voting and dispositive power over these shares and that the securities were not acquired to change or influence control of the company. The statement uses the Schedule 13G format and is signed by a director, indicating passive investor reporting rather than an active acquisition or control intent.