{"schema_version":"secwatch.filing_event.v1","accession":"0001371285-23-000299","form_type":"8-K","ticker":"TRUP","cik":"0001371285","company_name":"TRUPANION, INC.","filed_at":"2023-11-02T23:59:59+00:00","discovered_at":"2026-05-14T18:03:28.783910+00:00","generated_at":"2026-06-08T23:42:58.899738+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Trupanion Q3 2023 revenue up 22% to $285.9M; net loss improves to $4M","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."],"urls":{"canonical":"https://secwatch.observer/filing/0001371285-23-000299","json":"https://secwatch.observer/filing/0001371285-23-000299.json","markdown":"https://secwatch.observer/filing/0001371285-23-000299.md","text":"https://secwatch.observer/filing/0001371285-23-000299.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1371285/000137128523000299/0001371285-23-000299-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1371285/000137128523000299/trup-20231102.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-08T23:42:58.899738+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":"0bed9b6f16a9abdae9f4f6787a744ea739c2af14","claim":"TRUPANION, INC. reported third quarter ended September 30, 2023 results: revenue Total revenue was $285.9 million, net income Net loss was $(4.0) million, EPS $(0.10) per basic and diluted share.","evidence_excerpt":"Total revenue was $285.9 million, an increase of 22% compared to the third quarter of 2022.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1371285/000137128523000299/0001371285-23-000299-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"third quarter ended September 30, 2023"},{"label":"Revenue","value":"Total revenue was $285.9 million"},{"label":"Net income","value":"Net loss was $(4.0) million"},{"label":"EPS","value":"$(0.10) per basic and diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"0bed9b6f16a9abdae9f4f6787a744ea739c2af14","claim":"TRUPANION, INC. reported third quarter ended September 30, 2023 results: revenue Total revenue was $285.9 million, net income Net loss was $(4.0) million, EPS $(0.10) per basic and diluted share.","evidence_excerpt":"of an over 40% sequential increase in discretionary profit driven by our core subscription business.” Third Quarter 2023 Financial and Business Highlights • Total revenue was $285.9 million, an increase of 22% compared to the third quarter of 2022. • Total enrolled pets (including pets from our other business segment) was 1,712,177 at September 30, 2023, an increase","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1371285/000137128523000299/0001371285-23-000299-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"third quarter ended September 30, 2023"},{"label":"Revenue","value":"Total revenue was $285.9 million"},{"label":"Net income","value":"Net loss was $(4.0) million"},{"label":"EPS","value":"$(0.10) per basic and diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}