Trupanion Q4 2025 net income $5.6M ($0.13 EPS); full-year net income $19.4M vs loss in 2024

TRUPANION, INC.

2025-FY EPS reported $0.45 revenue$1,439,305,000

Q4 total revenue $376.9M (+12% YoY); subscription revenue $261.4M (+15% YoY).
Q4 adjusted EBITDA $21.8M vs $19.4M; free cash flow $25.3M vs $21.8M.
Full-year net income $19.4M ($0.45 EPS) vs net loss $9.6M ($0.23 loss) in 2024.
Subscription enrolled pets 1,096,173 (+5% YoY); total enrolled pets down 2%.
Achieved 15% annual margin target; CEO cites four straight quarters of higher retention.

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