{"schema_version":"secwatch.filing_event.v1","accession":"0001371285-26-000008","form_type":"8-K","ticker":"TRUP","cik":"0001371285","company_name":"TRUPANION, INC.","filed_at":"2026-02-12T23:59:59+00:00","discovered_at":"2026-05-14T18:02:34.931361+00:00","generated_at":"2026-05-16T02:57:26.821690+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 2025 net income $5.6M ($0.13 EPS); full-year net income $19.4M vs loss in 2024","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001371285-26-000008","json":"https://secwatch.observer/filing/0001371285-26-000008.json","markdown":"https://secwatch.observer/filing/0001371285-26-000008.md","text":"https://secwatch.observer/filing/0001371285-26-000008.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1371285/000137128526000008/0001371285-26-000008-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1371285/000137128526000008/trup-20260212.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T02:57:26.821690+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"}