{"schema_version":"secwatch.filing_event.v1","accession":"0001371285-25-000247","form_type":"8-K","ticker":"TRUP","cik":"0001371285","company_name":"TRUPANION, INC.","filed_at":"2025-11-06T23:59:59+00:00","discovered_at":"2026-05-14T18:02:39.245616+00:00","generated_at":"2026-05-16T23:34:16.715525+00:00","sec_items":["1.01","1.02","2.02","2.03","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.9,"calibrated_materiality_score":0.9,"confidence":"high","headline":"Trupanion Q3 2025 revenue $366.9M, net income $5.9M, secures $120M credit facility","bullets":["Total revenue $366.9M, up 12% vs Q3 2024; subscription revenue $252.7M, up 15%.","Net income $5.9M ($0.14 per share) vs $1.4M in Q3 2024; adjusted EBITDA $19.6M vs $14.5M.","Operating cash flow $29.2M and free cash flow $23.9M in Q3 2025.","Entered new $120M credit agreement with PNC Bank ($100M term loan, $20M revolving) to repay prior facility.","Subscription enrolled pets up 5% to 1,082,412; total enrolled pets 1,654,414."],"urls":{"canonical":"https://secwatch.observer/filing/0001371285-25-000247","json":"https://secwatch.observer/filing/0001371285-25-000247.json","markdown":"https://secwatch.observer/filing/0001371285-25-000247.md","text":"https://secwatch.observer/filing/0001371285-25-000247.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1371285/000137128525000247/0001371285-25-000247-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1371285/000137128525000247/trup-20251104.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud","generated_at":"2026-05-16T23:34:16.715525+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"}