{"filings":[{"id":1056396,"accession_number":"0001371285-26-000155","cik":1371285,"company_name":"TRUPANION, INC.","ticker":"TRUP","form_type":"8-K","filed_at":"2026-06-15T20:04:39+00:00","items":["5.07"],"status":"ready","headline":"Trupanion shareholders elect all 9 director nominees, ratify auditor, approve say-on-pay","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["All nine director nominees elected with over 30.4M votes 'for' each; broker non-votes of ~3.97M.","Appointment of Ernst & Young as auditor for 2026 ratified with 34.9M 'for', 53K 'against'.","Advisory 'say-on-pay' vote approved: 30.4M 'for', 531K 'against', 24K abstentions.","Annual meeting held June 10, 2026; proposals all passed."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.15,"market_cap_usd":971864139.087137,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":92473,"accession_number":"0001371285-26-000098","cik":1371285,"company_name":"TRUPANION, INC.","ticker":"TRUP","form_type":"8-K","filed_at":"2026-04-30T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Trupanion Q1 2026 revenue $384M (+12% YoY); net income $4.9M vs loss year ago","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Total revenue $384.0M (+12% YoY); subscription revenue $269.5M (+16% YoY).","Net income $4.9M ($0.11/diluted share) vs net loss $1.5M in Q1 2025.","Adjusted EBITDA $17.4M vs $12.2M in prior year quarter.","Subscription enrolled pets 1,105,783 (+5% YoY); total enrolled pets down 2%.","Operating cash flow $14.6M, free cash flow $13.7M; cash and investments $383.7M."],"consensus_eps_estimate":null,"consensus_eps_actual":0.11,"consensus_revenue_estimate":null,"consensus_revenue_actual":384049000.0,"consensus_period":"2026-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":971864139.087137,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":92472,"accession_number":"0001371285-26-000083","cik":1371285,"company_name":"TRUPANION, INC.","ticker":"TRUP","form_type":"8-K","filed_at":"2026-04-27T23:59:59+00:00","items":["5.02","7.01"],"status":"ready","headline":"Trupanion director Max Brodén not to stand for re-election at June 10, 2026 annual meeting","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Max Brodén notified Trupanion he will not stand for re-election at the June 10, 2026 Annual Meeting; departure is for personal reasons, no disagreement.","Brodén will continue as director until the annual meeting; Aflac partnership remains unchanged and Aflac remains committed.","Trupanion filed its 2025 Annual Report and Shareholder Letter on April 27, 2026; no specific financial details in this 8-K."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":971864139.087137,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":103321,"accession_number":"0001371285-26-000008","cik":1371285,"company_name":"TRUPANION, INC.","ticker":"TRUP","form_type":"8-K","filed_at":"2026-02-12T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Trupanion Q4 2025 net income $5.6M ($0.13 EPS); full-year net income $19.4M vs loss in 2024","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 total revenue $376.9M (+12% YoY); subscription revenue $261.4M (+15% YoY).","Q4 adjusted EBITDA $21.8M vs $19.4M; free cash flow $25.3M vs $21.8M.","Full-year net income $19.4M ($0.45 EPS) vs net loss $9.6M ($0.23 loss) in 2024.","Subscription enrolled pets 1,096,173 (+5% YoY); total enrolled pets down 2%.","Achieved 15% annual margin target; CEO cites four straight quarters of higher retention."],"consensus_eps_estimate":null,"consensus_eps_actual":0.45,"consensus_revenue_estimate":null,"consensus_revenue_actual":1439305000.0,"consensus_period":"2025-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":971864139.087137,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":119573,"accession_number":"0001371285-25-000247","cik":1371285,"company_name":"TRUPANION, INC.","ticker":"TRUP","form_type":"8-K","filed_at":"2025-11-06T23:59:59+00:00","items":["1.01","1.02","2.02","2.03","9.01"],"status":"ready","headline":"Trupanion Q3 2025 revenue $366.9M, net income $5.9M, secures $120M credit facility","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Total revenue $366.9M, up 12% vs Q3 2024; subscription revenue $252.7M, up 15%.","Net income $5.9M ($0.14 per share) vs $1.4M in Q3 2024; adjusted EBITDA $19.6M vs $14.5M.","Operating cash flow $29.2M and free cash flow $23.9M in Q3 2025.","Entered new $120M credit agreement with PNC Bank ($100M term loan, $20M revolving) to repay prior facility.","Subscription enrolled pets up 5% to 1,082,412; total enrolled pets 1,654,414."],"consensus_eps_estimate":null,"consensus_eps_actual":0.32,"consensus_revenue_estimate":null,"consensus_revenue_actual":1062452000.0,"consensus_period":"2025-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.9,"calibrated_materiality_score":0.9,"market_cap_usd":971864139.087137,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":119572,"accession_number":"0001371285-25-000238","cik":1371285,"company_name":"TRUPANION, INC.","ticker":"TRUP","form_type":"8-K","filed_at":"2025-10-30T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Trupanion appoints former Expeditors CFO Bradley Powell to board","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Bradley Powell (65), former CFO of Expeditors International (2008-2025), appointed to Trupanion board effective Oct 29, 2025.","Mr. Powell is independent and will serve until the 2026 annual meeting of stockholders.","He brings financial and public company experience from Expeditors and Eden Bioscience, where he led an IPO in 2000.","No arrangement or material interest with any director or executive officer was disclosed."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.45,"calibrated_materiality_score":0.45,"market_cap_usd":971864139.087137,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":136141,"accession_number":"0001371285-25-000185","cik":1371285,"company_name":"TRUPANION, INC.","ticker":"TRUP","form_type":"8-K","filed_at":"2025-08-07T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Trupanion Q2 net income $9.4M, revenue $353.6M, subscription revenue up 16%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Total revenue $353.6M, up 12% YoY; subscription revenue $242.2M, up 16% YoY.","Net income $9.4M ($0.22/share) vs net loss $(5.9M) in Q2 2024; Adj. EBITDA $16.6M vs $7.4M.","Subscription enrolled pets up 4% YoY to 1,066,354; total enrolled pets down 2% to 1,660,455.","Operating cash flow $15.0M, free cash flow $12.0M in Q2 2025 vs $6.9M and $4.0M prior year.","Cash and investments $319.6M; CEO calls quarter 'one of the strongest in history.'"],"consensus_eps_estimate":null,"consensus_eps_actual":0.18,"consensus_revenue_estimate":null,"consensus_revenue_actual":695532000.0,"consensus_period":"2025-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":971864139.087137,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":153208,"accession_number":"0001371285-25-000177","cik":1371285,"company_name":"TRUPANION, INC.","ticker":"TRUP","form_type":"8-K","filed_at":"2025-06-17T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Trupanion annual meeting results: all directors elected, say-on-pay approved","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["All nine director nominees elected with >94% of votes cast; highest withheld count was 935,396 for Howard Rubin.","Ratification of Ernst & Young as auditor passed with 35,745,911 votes for (99.4% of votes cast).","Advisory say-on-pay approved with 31,746,698 votes for (97.3% of votes cast).","Stockholders selected a one-year frequency for future say-on-pay votes; Company will hold annual advisory votes."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.15,"market_cap_usd":971864139.087137,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":153207,"accession_number":"0001371285-25-000130","cik":1371285,"company_name":"TRUPANION, INC.","ticker":"TRUP","form_type":"8-K","filed_at":"2025-05-15T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"NYDFS approves $26M extraordinary dividend from subsidiary to Trupanion","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["New York Department of Financial Services approved $26M extraordinary dividend from American Pet Insurance Company to Trupanion.","Approval granted on May 15, 2025; payment provides $26M in additional capital to parent.","Dividend is from wholly-owned subsidiary, enhancing Trupanion's liquidity position."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":971864139.087137,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":153206,"accession_number":"0001371285-25-000117","cik":1371285,"company_name":"TRUPANION, INC.","ticker":"TRUP","form_type":"8-K","filed_at":"2025-05-01T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Trupanion Q1 revenue up 12% to $342M; net loss narrows to $1.5M from $6.9M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Total revenue $342.0M (+12% YoY); subscription revenue $233.1M (+16% YoY).","Net loss $(1.5)M or $(0.03)/share vs. $(6.9)M loss in Q1 2024.","Adjusted EBITDA $12.2M, up from $4.8M; operating cash flow $16.0M, FCF $14.0M.","Subscription enrolled pets grew 5% to 1,052,845; total enrolled pets down 2% to 1,667,637.","Cash and short-term investments $321.8M as of March 31, 2025."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.03,"consensus_revenue_estimate":null,"consensus_revenue_actual":341975000.0,"consensus_period":"2025-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":971864139.087137,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":171978,"accession_number":"0001371285-25-000022","cik":1371285,"company_name":"TRUPANION, INC.","ticker":"TRUP","form_type":"8-K","filed_at":"2025-02-19T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Trupanion Q4 net income $1.7M vs loss; subscription rev +19% YoY to $227.8M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 total revenue $337.3M (+14% YoY); subscription revenue $227.8M (+19%).","Q4 net income $1.7M ($0.04/share) versus net loss $(2.2M) in Q4 2023.","Adjusted EBITDA $19.4M (Q4) vs $8.5M; full-year $46.1M vs $6.4M in 2023.","Subscription enrolled pets up 5% to 1,041,212; total enrolled pets down 2%.","Full-year free cash flow $38.6M vs $0.4M; cash + short-term invest $307.4M."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.23,"consensus_revenue_estimate":null,"consensus_revenue_actual":1285684000.0,"consensus_period":"2024-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":971864139.087137,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":188975,"accession_number":"0001371285-24-000278","cik":1371285,"company_name":"TRUPANION, INC.","ticker":"TRUP","form_type":"8-K","filed_at":"2024-10-30T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Trupanion Q3 net income $1.4M vs loss; revenue up 15% to $327.5M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Total revenue $327.5M (+15% YoY); subscription revenue $219M (+20% YoY).","Net income $1.4M ($0.03 EPS) vs net loss $(4.0)M ($(0.10) EPS) a year ago.","Adjusted EBITDA $14.5M (vs $6.1M); free cash flow $13.4M (vs $7.0M).","Subscription enrolled pets 1,032,042 (+6% YoY); total enrolled pets 1,688,903 (-1% YoY).","Cash and short-term investments $293.1M; insurance surplus $274.6M, well above RBC."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.27,"consensus_revenue_estimate":null,"consensus_revenue_actual":948377000.0,"consensus_period":"2024-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":971864139.087137,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":205452,"accession_number":"0001371285-24-000272","cik":1371285,"company_name":"TRUPANION, INC.","ticker":"TRUP","form_type":"8-K","filed_at":"2024-09-05T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Trupanion appoints John Gallagher as COO, effective September 4, 2024","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["John Gallagher, previously EVP of Global Support Services, appointed COO leading North American growth and operational teams.","Base salary increased from $300,000 to $375,000; bonus target raised from 50% to 75% of base salary.","Received RSUs valued at ~$575,000 (grant expected early Nov 2024), vesting over 4 years with 25% on first anniversary.","Gallagher has been with Trupanion since 2016, holding roles including GM, VP Contact Center, and Director of Phone Sales."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":971864139.087137,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":205451,"accession_number":"0001371285-24-000207","cik":1371285,"company_name":"TRUPANION, INC.","ticker":"TRUP","form_type":"8-K","filed_at":"2024-08-08T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Trupanion Q2 revenue up 16% to $314.8M; net loss narrows 57% to $5.9M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Total revenue $314.8M (+16% YoY); subscription revenue $208.6M (+20%).","Net loss $(5.9)M ($0.14/share) vs $(13.7)M ($0.33) in Q2'23; adjusted EBITDA $7.4M (vs -$3.2M).","Subscription enrolled pets 1,020,934 (+8% YoY); total enrolled pets 1.7M (+1%).","Free cash flow $4.0M in Q2 (vs -$8.1M); operating cash flow $6.9M (vs -$3.4M).","Discretionary profit from core subscription business increased 63% in Q2."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.3,"consensus_revenue_estimate":null,"consensus_revenue_actual":620921000.0,"consensus_period":"2024-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":971864139.087137,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":205450,"accession_number":"0001371285-24-000203","cik":1371285,"company_name":"TRUPANION, INC.","ticker":"TRUP","form_type":"8-K","filed_at":"2024-08-01T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Trupanion appoints Margi Tooth as CEO, succeeding founder Darryl Rawlings","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Effective August 1, 2024, Darryl Rawlings resigned as CEO; Margi Tooth becomes CEO and a Board member.","Tooth's base salary increased from $400,000 to $550,000; RSU grant of $1.5M vesting over 4 years.","Tooth previously served as President since February 2022; earlier roles included Co-President and CRO.","Succession plan previously disclosed; transition is effective as of the filing date."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":971864139.087137,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":222372,"accession_number":"0001193125-24-157469","cik":1371285,"company_name":"TRUPANION, INC.","ticker":"TRUP","form_type":"8-K","filed_at":"2024-06-07T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Trupanion shareholders approve 2024 equity plan, auditor, say-on-pay","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["All eight director nominees elected with votes ranging from 27.1M to 27.9M for each.","Trupanion 2024 Equity Incentive Plan approved: ~24.9M for, 3.1M against (11% opposed).","Ernst & Young ratified as independent auditor: ~27.7M for, 3.0M against (9.7% opposed).","Advisory say-on-pay vote passed with ~26.8M for, 1.0M against, 0.24M abstain."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.15,"market_cap_usd":971864139.087137,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":222371,"accession_number":"0001371285-24-000116","cik":1371285,"company_name":"TRUPANION, INC.","ticker":"TRUP","form_type":"8-K","filed_at":"2024-05-02T23:59:59+00:00","items":["2.02","5.02","9.01"],"status":"ready","headline":"Trupanion Q1 revenue +19% to $306M, net loss narrows; CEO Rawlings to step down, Tooth appointed","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Total revenue $306.1M (+19% YoY); subscription revenue $201.1M (+22% YoY) with enrolled pets up 11%.","Net loss $6.9M ($0.16 loss per share) vs $24.8M loss ($0.60) in Q1 2023; Adjusted EBITDA $4.8M vs -$4.9M.","Free cash flow -$0.6M vs -$12.0M; cash $275.2M; insurance surplus $256.7M vs RBC requirement of $153.3M.","Founder/CEO Darryl Rawlings to step down Aug 1, remains Chair; President Margi Tooth appointed CEO effective Aug 1, to join Board.","Rawlings enters consulting agreement for pet food program with $200k annual fee."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.16,"consensus_revenue_estimate":null,"consensus_revenue_actual":306121000.0,"consensus_period":"2024-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":971864139.087137,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":222370,"accession_number":"0001371285-24-000103","cik":1371285,"company_name":"TRUPANION, INC.","ticker":"TRUP","form_type":"8-K","filed_at":"2024-04-04T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Two Trupanion board members will not stand for re-election at June 2024 annual meeting","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Daniel Levitan and Dr. Zay Satchu notified Trupanion they will not stand for re-election at the June 2024 Annual Meeting.","Neither departure is due to any disagreement with Trupanion or the Board.","Both directors intend to continue serving until the 2024 Annual Meeting."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":971864139.087137,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":241897,"accession_number":"0001371285-24-000022","cik":1371285,"company_name":"TRUPANION, INC.","ticker":"TRUP","form_type":"8-K","filed_at":"2024-02-15T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Trupanion Q4 rev $295.9M (+20% YoY); 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his family entity holds 8.6% stake","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Richard Enthoven appointed to Trupanion board effective Nov 7, 2023; deemed independent under NASDAQ rules.","Enthoven is former CEO of Hollard Insurance Australia and director of PetSure Australia.","Tarmac DLTFM LTD., Enthoven family investment entity, holds ~8.6% of Trupanion shares acquired July-Oct 2023.","Trupanion has added four independent directors to its board since January 2023."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":971864139.087137,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":259327,"accession_number":"0001371285-23-000299","cik":1371285,"company_name":"TRUPANION, INC.","ticker":"TRUP","form_type":"8-K","filed_at":"2023-11-02T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Trupanion Q3 2023 revenue up 22% to $285.9M; net loss improves to $4M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Total revenue $285.9M (+22% YoY); net loss $4.0M ($0.10/share) vs loss of $12.9M in Q3 2022.","Adjusted EBITDA $6.1M vs $(0.9M) in Q3 2022; operating cash flow $11.4M, free cash flow $7.0M.","Subscription business revenue $182.9M (+20% YoY); subscription enrolled pets 969,322 (+20% YoY).","Total enrolled pets 1,712,177 (+19% YoY); cash and short-term investments $265.9M at Sept 30, 2023.","CEO cites strong execution and over 40% sequential increase in discretionary profit."],"consensus_eps_estimate":null,"consensus_eps_actual":-1.03,"consensus_revenue_estimate":null,"consensus_revenue_actual":812748000.0,"consensus_period":"2023-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":971864139.087137,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":276592,"accession_number":"0001371285-23-000275","cik":1371285,"company_name":"TRUPANION, INC.","ticker":"TRUP","form_type":"8-K","filed_at":"2023-09-06T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Trupanion names Fawwad Qureshi as CFO, effective Sep 25, 2023","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Fawwad Qureshi appointed CFO of Trupanion; 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Net Loss $(13.7)M; FCF Improves Sequentially","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Revenue $270.6M, up 23% YoY; subscription revenue $173.3M, up 19% YoY (20% constant currency).","Net loss $(13.7)M ($0.33/share) vs $(13.6)M ($0.33) in Q2 2022; Adj. EBITDA $(3.2)M vs $(1.7)M.","Free cash flow $(8.1)M, improving $3.9M sequentially from Q1 2023; goal to be FCF positive by Q4 2023.","Total enrolled pets 1.68M (+25% YoY); subscription enrolled pets 943,958 (+23% YoY).","Company holds $236.1M cash/short-term investments; $40M available under credit facility."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.93,"consensus_revenue_estimate":null,"consensus_revenue_actual":526895000.0,"consensus_period":"2023-Q2","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":971864139.087137,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":276590,"accession_number":"0001371285-23-000190","cik":1371285,"company_name":"TRUPANION, INC.","ticker":"TRUP","form_type":"8-K","filed_at":"2023-07-05T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Trupanion appoints Aflac CFO Max Brodén to board as independent director","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Max Brodén, EVP and CFO of Aflac Incorporated, appointed independent director effective July 4, 2023.","Board expands to nine directors; 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consulting expires on termination."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.45,"calibrated_materiality_score":0.45,"market_cap_usd":971864139.087137,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":294349,"accession_number":"0001371285-23-000093","cik":1371285,"company_name":"TRUPANION, INC.","ticker":"TRUP","form_type":"8-K","filed_at":"2023-04-04T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Trupanion CFO Andrew Wolff to depart June 1, 2023; consulting and separation terms disclosed","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["CFO Andrew Wolff to depart June 1, 2023; will provide consulting through Aug 31, 2023 at $25k/month; 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board authorizes $20M buyback","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Total revenue $219.4M (+30% YoY); subscription revenue $145.8M (+21% / 22% constant currency).","Net loss $(13.6)M ($(0.33)/share) vs $(9.2)M loss ($(0.23)/share) in Q2 2021.","Adjusted EBITDA $(1.7)M vs $0.2M in Q2 2021.","Total enrolled pets 1.35M (+32% YoY); subscription pets 770k (+20% YoY).","Board authorized up to $20M share repurchase for August-October 2022."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.55,"consensus_revenue_estimate":null,"consensus_revenue_actual":425410000.0,"consensus_period":"2022-Q2","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":971864139.087137,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":368006,"accession_number":"0001371285-22-000155","cik":1371285,"company_name":"TRUPANION, INC.","ticker":"TRUP","form_type":"8-K","filed_at":"2022-06-13T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Trupanion stockholders elect three Class II directors, ratify auditor, approve say-on-pay","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Elected directors Michael Doak (28.2M for, 0.7M withheld), Eric Johnson (28.5M for, 0.4M withheld), Darryl Rawlings (28.6M for, 0.3M withheld).","Ratified Ernst & Young LLP as independent auditor for FY2022: 32.4M for, 101K against, 27K abstain.","Advisory say-on-pay approved: 28.5M for, 309K against, 44K abstain, with 3.7M broker non-votes."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":971864139.087137,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":368005,"accession_number":"0001371285-22-000129","cik":1371285,"company_name":"TRUPANION, INC.","ticker":"TRUP","form_type":"8-K","filed_at":"2022-04-28T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Trupanion Q1 revenue up 33% to $206M; adjusted EBITDA turns positive at $1.2M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Total revenue $206M (+33% YoY); subscription revenue $139.8M (+23% YoY).","Net loss improved to $(8.9)M ($0.22 loss per share) from $(12.4)M in Q1 2021.","Adjusted EBITDA turned positive at $1.2M vs $(1.1)M in prior-year quarter.","Total enrolled pets 1,267,253 (+34% YoY); subscription pets 736,691 (+21%).","Operating cash flow $(3.6)M, free cash flow $(7.1)M."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.22,"consensus_revenue_estimate":null,"consensus_revenue_actual":205999000.0,"consensus_period":"2022-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":971864139.087137,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":387326,"accession_number":"0001371285-22-000088","cik":1371285,"company_name":"TRUPANION, INC.","ticker":"TRUP","form_type":"8-K","filed_at":"2022-03-28T23:59:59+00:00","items":["1.01","2.03"],"status":"ready","headline":"Trupanion enters $60M initial term loan, up to $90M additional debt facility with Piper Sandler","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Initial term loan of $60.0 million funded on March 25, 2022, due March 25, 2027.","Delayed draw term loans of up to $75.0 million available until September 25, 2023; revolving loans up to $15.0 million.","Interest rates: ABR loans at base rate + 4.0%; SOFR loans at term SOFR + 5.0%.","Loans secured by substantially all assets; proceeds for acquisitions, investments, and working capital.","Covenants include minimum quarterly revenue and liquidity thresholds."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":971864139.087137,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":387325,"accession_number":"0001371285-22-000046","cik":1371285,"company_name":"TRUPANION, INC.","ticker":"TRUP","form_type":"8-K","filed_at":"2022-02-16T23:59:59+00:00","items":["2.02","5.02","9.01"],"status":"ready","headline":"Trupanion Q4 revenue up 36% to $194.4M; net loss widens; appoints Tricia Plouf COO","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["FY2021 revenue $699M (+39% YoY); net loss $(35.5M) vs $(5.8M) in 2020; Adj EBITDA $4.7M vs $11.5M.","Q4 revenue $194.4M (+36%); net loss $(7.0M) vs $(3.5M) loss in Q4 2020; Adj EBITDA $3.5M vs $2.2M.","Subscription enrolled pets 704,333 (+22%); total enrolled pets 1,176,778 (+36%).","Tricia Plouf appointed COO (formerly Co-President); Margi Tooth becomes sole President.","Free cash flow negative $(4.9M) for FY2021 vs positive $14.1M in 2020."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.89,"consensus_revenue_estimate":null,"consensus_revenue_actual":698991000.0,"consensus_period":"2022-FY","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":971864139.087137,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":405273,"accession_number":"0001371285-21-000283","cik":1371285,"company_name":"TRUPANION, INC.","ticker":"TRUP","form_type":"8-K","filed_at":"2021-11-03T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Trupanion Q3 revenue +40% to $181.7M; net loss widens to $(6.8)M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Total revenue $181.7M (+40% YoY); subscription revenue $127.1M (+28%).","Total enrolled pets 1,104,376 (+37%); subscription pets 676,463 (+22%).","Net loss $(6.8)M ($(0.17)/share) vs $(2.6)M loss year ago.","Adjusted EBITDA $2.2M (vs $1.8M); free cash flow $3.5M (vs $8.5M).","Operating cash flow $6.2M, down from $9.8M in Q3 2020."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.71,"consensus_revenue_estimate":null,"consensus_revenue_actual":504612000.0,"consensus_period":"2022-Q3","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":971864139.087137,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":424306,"accession_number":"0001371285-21-000254","cik":1371285,"company_name":"TRUPANION, INC.","ticker":"TRUP","form_type":"8-K","filed_at":"2021-09-29T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Trupanion CFO Tricia Plouf resigns, remains Co-President; Drew Wolff promoted to CFO","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["CFO Tricia Plouf resigns effective Oct 1, 2021; stays as Co-President overseeing finance, actuarial, tech, operations.","Andrew (Drew) Wolff promoted from EVP Finance to CFO effective Oct 1; previously Starbucks CFO International.","Wolff receives 7,044 RSUs vesting over 4 years (25% at 1yr, remainder monthly).","Wolff joins severance & change-in-control plan; no family relationships or reportable transactions."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":971864139.087137,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":424305,"accession_number":"0001371285-21-000233","cik":1371285,"company_name":"TRUPANION, INC.","ticker":"TRUP","form_type":"8-K","filed_at":"2021-08-05T23:59:59+00:00","items":["2.02","5.02","9.01"],"status":"ready","headline":"Trupanion Q2 revenue up 43% to $168.3M; net loss $(9.2)M vs income $1.4M year ago","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Total enrolled pets reached 1,024,226 (+38% YoY); subscription enrolled pets 643,395 (+22% YoY).","Subscription revenue $120.4M (+30% YoY); net loss $(0.23) per share vs $0.04 EPS in Q2 2020.","Adjusted EBITDA fell to $0.2M from $5.5M; operating cash flow $(2.2)M vs $4.9M a year ago.","Dr. Zay Satchu appointed as Class I director effective July 30, 2021, joining three committees."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.54,"consensus_revenue_estimate":null,"consensus_revenue_actual":322945000.0,"consensus_period":"2021-Q2","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":971864139.087137,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null}],"next_cursor":null}