Trupanion, Inc.
39.99-0.49 (-1.21%)
Oct 31, 4:00:00 PM EDT · NasdaqGM · TRUP · USD
Key Stats
Market Cap
1.74BP/E (TTM)
159.96Basic EPS (TTM)
0.25Dividend Yield
0%Recent Filings
10-Q
Q2 FY2025 results
Trupanion swung to operating income of $2.3M in Q2 FY2025 ended June 30, 2025, up from a $5.5M loss y/y, while YTD figures show $0.8M income versus $11.6M loss, fueled by 12% revenue growth to $353.6M on higher monthly average revenue per pet and subscription pet months. Gross margins improved as subscription veterinary costs rose just 11% to match, yet net income hit $9.4M after a $7.8M gain from swapping a preferred stock investment for intellectual property amortized over 20 years. Cash from operations climbed to $31.0M YTD, supporting a $14.9M debt paydown that trimmed total borrowings to $114.5M at 9.45% under a compliant $150M facility with $15M revolver headroom; free cash flow not disclosed in the 10-Q. Subscription business, 68% of revenue, drove gains amid U.S. dominance, but Pets Best run-off tempers other business momentum. Pets Best contract risks loom large.
8-K
Trupanion Q2 revenue up 12%
Trupanion posted Q2 revenue of $353.6 million, up 12% year-over-year, with subscription revenue surging 16% to $242.2 million on 4% more enrolled pets. Net income flipped to $9.4 million from a $5.9 million loss, boosted by a $7.8 million gain on a stock swap, while adjusted EBITDA climbed to $16.6 million. Strong cash flows hit $15.0 million operating and $12.0 million free. Retention holds firm at 98.3%. Claims severity remains a watch point.
8-K
Annual meeting results
Trupanion's stockholders at the June 11, 2025 annual meeting elected nine directors, including Max Brodén and Jacqueline Davidson, to serve until 2026. They ratified Ernst & Young as auditors for the fiscal year ending December 31, 2025, with 35.7 million votes in favor. The advisory say-on-pay vote passed strongly, approving 2024 executive compensation, while opting for annual future votes. All directors won handily. This signals robust governance support.
8-K
Trupanion gets $26M dividend
Trupanion scored a $26 million extraordinary dividend from its subsidiary American Pet Insurance Company, greenlit by the New York Department of Financial Services on May 15, 2025. This cash influx bolsters Trupanion's liquidity for operations or growth. Regulators nodded yes swiftly. Yet dividend payouts hinge on ongoing solvency checks.
8-K
Trupanion's Q1 revenue surges 12%
Trupanion kicked off 2025 with solid Q1 results, posting total revenue of $342.0 million, up 12% from last year, driven by 16% growth in its subscription business to $233.1 million. The company narrowed its net loss to $1.5 million from $6.9 million, while Adjusted EBITDA climbed to $12.2 million, reflecting expanded margins and stronger cash flow of $16.0 million. Subscription pets rose 5% to 1,052,845, yet total enrolled pets dipped 2%. Momentum builds for growth investments.
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