secwatch.observer — SEC 8-K summary
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Issuer:     TRUPANION, INC. (TRUP)
CIK:        0001371285
Form:       8-K
Filed at:   2025-02-19T23:59:59+00:00
Accession:  0001371285-25-000022
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1371285/000137128525000022/0001371285-25-000022-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1371285/000137128525000022/trup-20250219.htm
  HTML page:      https://secwatch.observer/filing/0001371285-25-000022

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