NasdaqFinancialsLife & Health InsuranceS&P SmallCap 600
$36.75
+2.03 (+5.85%)
Close of Nov 06, 2026 · end-of-day data
TRUP 8-K filings in 2025
Every material Form 8-K Trupanion filed with the SEC in 2025, read and summarized by AI: what happened, the key figures, whether it reads positive or negative for shareholders, and how big a deal it is (impact 1-5). Newest first; each brief links to its own page and to the filing on SEC.gov.
Trupanion reported third-quarter 2025 revenue of $366.9 million, up 12% from a year earlier, and net income of $5.9 million, or $0.13 per diluted share, versus $1.4 million, or $0.03, in the same quarter of 2024. On November 4, 2025, the company entered a credit agreement with PNC Bank providing a $100.0 million term loan and a $20.0 million revolving facility, maturing November 4, 2028, and used it to repay its 2022 credit agreement; the new loans are secured by substantially all company assets and carry covenants.
Q3 2025 total revenue $366.9 million, up 12%; net income $5.9 million, diluted EPS $0.13 (Q3 2024: $1.4 million, $0.03)
Nine-month net income $13.8 million, or $0.32 per diluted share, versus a net loss of $11.3 million in the prior-year period
On November 4, 2025, borrowed $100.0 million under the term facility and $15.0 million under the revolver; loans bear interest at SOFR plus 2.75% per annum
Quarterly term loan principal payments of $2.5 million; 2022 credit agreement with Piper Sandler Finance, LLC repaid in full and terminated
Trupanion's board appointed Bradley S. Powell as a director on October 29, 2025. Powell previously served as CFO of Expeditors International of Washington from October 2008 to September 2025, and the company describes him as bringing accounting and financial expertise to the board. The filing says he is an independent director and will serve until the 2026 annual meeting of stockholders.
Appointed to the board on October 29, 2025; term expires at the 2026 annual meeting of stockholders
Served as CFO of Expeditors International of Washington from October 2008 to September 2025
Previously CFO of Eden Bioscience Corporation from July 1998 to September 2008
Filing states he is an independent director under Nasdaq rules and will join the non-employee director compensation program
Trupanion reported second-quarter 2025 results, with total revenue up 12% year over year and net income of $9.4 million, compared with a net loss a year earlier. Net income includes a $7.8 million realized gain from exchanging a preferred stock investment for intellectual property, so the profit figure is partly non-operating. Total enrolled pets fell 2% from a year earlier, while subscription enrolled pets rose 4%.
Total revenue was $353.6 million for the quarter ended June 30, 2025, up 12% from $314.8 million a year earlier.
Net income was $9.4 million, or $0.22 per diluted share, versus a net loss of $5.9 million, or $(0.14) per share, in Q2 2024.
Adjusted EBITDA was $16.6 million, compared with $7.4 million in Q2 2024.
Cash and short-term investments totaled $319.6 million at June 30, 2025, with an additional $15 million available under its credit facility.
Trupanion reported first quarter 2025 results for the period ended March 31, 2025. Total revenue rose 12% to $342.0 million, and the net loss narrowed to $1.5 million, or $0.03 per share, from $6.9 million, or $0.16 per share, a year earlier. The filing does not include updated financial guidance.
Total revenue was $342.0 million, up 12% from the first quarter of 2024; subscription business revenue was $233.1 million, up 16%.
Net loss was $1.5 million, or $0.03 per share, versus $6.9 million, or $0.16 per share, in the first quarter of 2024.
Adjusted EBITDA was $12.2 million, compared with $4.8 million a year earlier; free cash flow was $14.0 million.
Total enrolled pets were 1,667,637 at March 31, 2025, down 2% year over year, while subscription enrolled pets rose 5% to 1,052,845.
Trupanion reported fourth quarter 2024 revenue of $337.3 million, up 14% from a year earlier, and net income of $1.7 million, or $0.04 per diluted share, compared with a net loss of $2.2 million in the same quarter of 2023. For full year 2024, net loss narrowed to $9.6 million from $44.7 million, and revenue rose 16% to $1.29 billion, which points to improved profitability for shareholders.
Q4 2024 adjusted EBITDA was $19.4 million, compared with $8.5 million in Q4 2023.
Full year 2024 net loss was $9.6 million, or $0.23 per share, versus $44.7 million, or $1.08 per share, in 2023.
Full year 2024 free cash flow was $38.6 million, compared with $0.4 million in 2023.
Q4 2024 included a $5.3 million goodwill impairment charge.
Briefs are written by AI from the filing text (each brief's own page names the model) and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the model's reading of the filing for shareholders, not a price forecast. Not investment advice.
Only material 8-Ks get a brief: results, deals, executive changes, restructuring, impairments, delisting notices, restatements, cybersecurity incidents and other disclosed events. Routine filings (vote results, exhibits only) are skipped. Every Trupanion filing is on SEC EDGAR ↗. 8-K briefs of other companies →