{"schema_version":"secwatch.filing_event.v1","accession":"0001371285-24-000278","form_type":"8-K","ticker":"TRUP","cik":"0001371285","company_name":"TRUPANION, INC.","filed_at":"2024-10-30T23:59:59+00:00","discovered_at":"2026-05-14T18:03:08.277503+00:00","generated_at":"2026-05-30T08:08:11.681490+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Trupanion Q3 net income $1.4M vs loss; revenue up 15% to $327.5M","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."],"urls":{"canonical":"https://secwatch.observer/filing/0001371285-24-000278","json":"https://secwatch.observer/filing/0001371285-24-000278.json","markdown":"https://secwatch.observer/filing/0001371285-24-000278.md","text":"https://secwatch.observer/filing/0001371285-24-000278.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1371285/000137128524000278/0001371285-24-000278-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1371285/000137128524000278/trup-20241030.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T08:08:11.681490+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}