{"schema_version":"secwatch.filing_event.v1","accession":"0001371285-25-000022","form_type":"8-K","ticker":"TRUP","cik":"0001371285","company_name":"TRUPANION, INC.","filed_at":"2025-02-19T23:59:59+00:00","discovered_at":"2026-05-14T18:03:03.454899+00:00","generated_at":"2026-05-26T10:51:20.287937+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 Q4 net income $1.7M vs loss; subscription rev +19% YoY to $227.8M","bullets":["Q4 total revenue $337.3M (+14% YoY); subscription revenue $227.8M (+19%).","Q4 net income $1.7M ($0.04/share) versus net loss $(2.2M) in Q4 2023.","Adjusted EBITDA $19.4M (Q4) vs $8.5M; full-year $46.1M vs $6.4M in 2023.","Subscription enrolled pets up 5% to 1,041,212; total enrolled pets down 2%.","Full-year free cash flow $38.6M vs $0.4M; cash + short-term invest $307.4M."],"urls":{"canonical":"https://secwatch.observer/filing/0001371285-25-000022","json":"https://secwatch.observer/filing/0001371285-25-000022.json","markdown":"https://secwatch.observer/filing/0001371285-25-000022.md","text":"https://secwatch.observer/filing/0001371285-25-000022.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1371285/000137128525000022/0001371285-25-000022-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1371285/000137128525000022/trup-20250219.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-26T10:51:20.287937+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"}