{"schema_version":"secwatch.filing_event.v1","accession":"0001371285-22-000255","form_type":"8-K","ticker":"TRUP","cik":"0001371285","company_name":"TRUPANION, INC.","filed_at":"2022-11-03T23:59:59+00:00","discovered_at":"2026-05-14T18:03:50.351605+00:00","generated_at":"2026-06-22T08:28:17.314324+00:00","sec_items":["2.02","5.02","7.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Trupanion Q3 net loss widens to $12.9M; acquires PetExpert for European expansion","bullets":["Total revenue $233.8M (+29% YoY); subscription revenue $152.4M (+20%).","Net loss $(12.9)M ($0.32/shr) vs $(6.8)M loss in Q3 2021; adjusted EBITDA $(0.9)M vs $2.2M.","Operating cash flow $(2.3)M and free cash flow $(6.4)M, down from positive prior year.","Signs definitive agreement to acquire Royal Blue s.r.o (PetExpert) in Czech Republic and Slovakia; close expected Q4 2022.","Director Eric Johnson resigns from board effective Jan 1, 2023; no disagreement cited."],"urls":{"canonical":"https://secwatch.observer/filing/0001371285-22-000255","json":"https://secwatch.observer/filing/0001371285-22-000255.json","markdown":"https://secwatch.observer/filing/0001371285-22-000255.md","text":"https://secwatch.observer/filing/0001371285-22-000255.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1371285/000137128522000255/0001371285-22-000255-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1371285/000137128522000255/trup-20221101.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-22T08:28:17.314324+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"2858261bc55296a13cc29856a15604d9fa94c83c","claim":"TRUPANION, INC. reported the third quarter ended September 30, 2022 results: revenue $233.8 million, net income $(12.9) million, or $(0.32) per basic and diluted share, EPS $(0.32) per basic and diluted share.","evidence_excerpt":"Third Quarter 2022 Financial and Business Highlights • Total revenue was $233.8 million, an increase of 29% compared to the third quarter of 2021. • Total enrolled pets (including pets from our other business segment) was 1,439,605 at September 30, 2022, an increase of 30% over the third quarter of 2021.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1371285/000137128522000255/0001371285-22-000255-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the third quarter ended September 30, 2022"},{"label":"Revenue","value":"$233.8 million"},{"label":"Net income","value":"$(12.9) million, or $(0.32) per basic and diluted share"},{"label":"EPS","value":"$(0.32) per basic and diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"6f9ca2998cedc903e991a35efe4e73b05329f033","claim":"TRUPANION, INC. reported the first nine months of 2022 results: revenue $659.2 million, net income $(35.4) million, or $(0.87) per basic and diluted share, EPS $(0.87) per basic and diluted share.","evidence_excerpt":"First Nine Months 2022 Financial and Business Highlights • Total revenue was $659.2 million, an increase of 31% compared to the first nine months of 2021. • Subscription business revenue was $438.0 million, an increase of 21% compared to the first nine months of 2021 (22% on a constant currency basis).","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1371285/000137128522000255/0001371285-22-000255-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the first nine months of 2022"},{"label":"Revenue","value":"$659.2 million"},{"label":"Net income","value":"$(35.4) million, or $(0.87) per basic and diluted share"},{"label":"EPS","value":"$(0.87) per basic and diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"25dc69d519","claim":"Eric Johnson resigned as member of the Board of Directors at TRUPANION, INC..","evidence_excerpt":"On November 1, 2022, Eric Johnson notified the Company of his decision to resign, effective as of January 1, 2023, from his position as a member of the Board of Directors of the Company (the “Board”).","evidence_source":"SEC 8-K Item 5.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1371285/000137128522000255/0001371285-22-000255-index.htm","confidence":1.0,"family_label":"Executive change","details":[{"label":"Action","value":"resigned"},{"label":"Role","value":"member of the Board of Directors"}],"fact_type":"executive_change"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}