---
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"
generated_at: "2026-05-26T10:51:20.287937+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Trupanion Q4 net income $1.7M vs loss; subscription rev +19% YoY to $227.8M

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001371285-25-000022
- JSON: https://secwatch.observer/filing/0001371285-25-000022.json
- Plain text: https://secwatch.observer/filing/0001371285-25-000022.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.