---
schema_version: "secwatch.filing_event.v1"
accession: "0001371285-23-000040"
form_type: "8-K"
ticker: "TRUP"
cik: "0001371285"
company_name: "TRUPANION, INC."
filed_at: "2023-02-15T23:59:59+00:00"
generated_at: "2026-06-19T10:53:19.637598+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Trupanion FY2022 revenue up 29% to $905.2M; net loss widens to $44.7M

## Summary
- Total revenue $905.2M (+29% YoY); subscription revenue $596.6M (+21% YoY).
- Net loss $(44.7)M ($(1.10)/share) vs $(35.5)M ($(0.89)/share) in 2021; adjusted EBITDA $0.7M vs $4.7M.
- Total enrolled pets 1,537,573 (+31%); subscription enrolled pets 869,862 (+24%).
- Q4 revenue $246.0M (+27% YoY); net loss $(9.3)M; adjusted EBITDA $2.2M.
- Operating cash flow $(8.0)M; free cash flow $(25.1)M vs $(4.9)M in 2021.

## SEC filing metadata
- accession: 0001371285-23-000040
- form_type: 8-K
- ticker: TRUP
- cik: 0001371285
- company_name: TRUPANION, INC.
- filed_at: 2023-02-15T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1371285/000137128523000040/0001371285-23-000040-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1371285/000137128523000040/trup-20230215.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001371285-23-000040
- JSON: https://secwatch.observer/filing/0001371285-23-000040.json
- Plain text: https://secwatch.observer/filing/0001371285-23-000040.txt

## Key facts
- Earnings Releases
  TRUPANION, INC. reported the fourth quarter ended December 31, 2022 results: revenue $246.0 million, net income $(9.3) million, EPS $(0.23) per basic and diluted share.
  - Period: the fourth quarter ended December 31, 2022
  - Revenue: $246.0 million
  - Net income: $(9.3) million
  - EPS: $(0.23) per basic and diluted share
  - Result: reported results
  source text: Total revenue was $246.0 million, an increase of 27% compared to the fourth quarter of 2021. • Subscription business revenue was $158.6 million, an increase of 18% compared to the fourth quarter of 2021 (20% on a constant currency basis). • Net loss was $(9.3) million, or $(0.23) per basic and diluted share
  evidence_url: https://www.sec.gov/Archives/edgar/data/1371285/000137128523000040/0001371285-23-000040-index.htm
- Earnings Releases
  TRUPANION, INC. reported the full year ended December 31, 2022 results: revenue $905.2 million, net income $(44.7) million, EPS $(1.10) per basic and diluted share.
  - Period: the full year ended December 31, 2022
  - Revenue: $905.2 million
  - Net income: $(44.7) million
  - EPS: $(1.10) per basic and diluted share
  - Result: reported results
  source text: Total revenue was $905.2 million, an increase of 29% compared to 2021. • Total enrolled pets (including pets from our other business segment) was 1,537,573 at December 31, 2022, an increase of 31% over 2021. • Subscription business revenue was $596.6 million, an increase of 21% compared to 2021 (22% on a constant currency basis). • Subscription enrolled pets was 869,862 at December 31, 2022, an increase of 24% over 2021. • Net loss was $(44.7) million, or $(1.10) per basic and diluted share
  evidence_url: https://www.sec.gov/Archives/edgar/data/1371285/000137128523000040/0001371285-23-000040-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.