{"filings":[{"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}],"next_cursor":null}