secwatch.observer — SEC 8-K summary
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Issuer:     TRUPANION, INC. (TRUP)
CIK:        0001371285
Form:       8-K
Filed at:   2024-10-30T23:59:59+00:00
Accession:  0001371285-24-000278
Event type: earnings
Sentiment:  positive
Materiality: 0.70
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

Trupanion Q3 net income $1.4M vs loss; revenue up 15% to $327.5M
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- 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.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1371285/000137128524000278/0001371285-24-000278-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1371285/000137128524000278/trup-20241030.htm
  HTML page:      https://secwatch.observer/filing/0001371285-24-000278

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer