{"schema_version":"secwatch.filing_event.v1","accession":"0001371285-24-000022","form_type":"8-K","ticker":"TRUP","cik":"0001371285","company_name":"TRUPANION, INC.","filed_at":"2024-02-15T23:59:59+00:00","discovered_at":"2026-05-14T18:03:23.978823+00:00","generated_at":"2026-06-06T00:56:34.399324+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Trupanion Q4 rev $295.9M (+20% YoY); net loss narrows to $2.2M; two material weaknesses disclosed","bullets":["Subscription revenue $191.5M (+21% YoY); total enrolled pets 1.71M (+12% YoY).","Q4 net loss $(2.2)M vs $(9.3)M a year ago; adjusted EBITDA $8.5M vs $2.2M.","Full-year 2023 revenue $1.1B (+22%); net loss $(44.7)M; free cash flow $0.4M.","Two material weaknesses in internal controls identified (IT access/program change and Other Business segment); results preliminary.","Cash and short-term investments $277.2M; $241.3M capital surplus at insurance subs."],"urls":{"canonical":"https://secwatch.observer/filing/0001371285-24-000022","json":"https://secwatch.observer/filing/0001371285-24-000022.json","markdown":"https://secwatch.observer/filing/0001371285-24-000022.md","text":"https://secwatch.observer/filing/0001371285-24-000022.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1371285/000137128524000022/0001371285-24-000022-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1371285/000137128524000022/trup-20240215.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-06T00:56:34.399324+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":"d8abf7243df41ba295bbad3d52bacc6b183e6d78","claim":"TRUPANION, INC. reported fourth quarter and full year ended December 31, 2023 results: revenue Total revenue was $295.9 million, net income Net loss was $(2.2) million, EPS $(0.05) per basic and diluted share.","evidence_excerpt":"margin expansion and efficient acquisition spend drove another quarter of positive free cash flow.” Fourth Quarter 2023 Financial and Business Highlights • Total revenue was $295.9 million, an increase of 20% compared to the fourth quarter of 2022. • Total enrolled pets (including pets from our other business segment) was 1,714,473 at December 31, 2023, an increase","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1371285/000137128524000022/0001371285-24-000022-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"fourth quarter and full year ended December 31, 2023"},{"label":"Revenue","value":"Total revenue was $295.9 million"},{"label":"Net income","value":"Net loss was $(2.2) million"},{"label":"EPS","value":"$(0.05) per basic and diluted share"},{"label":"Result","value":"preliminary results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}