Symbols

TRUP

Trupanion·NASDAQ

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TRUP fundamentals

TRUP Q4 2025 Earnings

Trupanion (TRUP) released its earnings on Feb 12, 2026: revenue was 376.85M (YoY +11.72%), beat estimates; EPS was 0.13 (YoY +225.00%), missed estimates.

Revenue / YoY

376.85M

+11.72%

EPS / YoY

0.13

+225.00%

Report date

Feb 12, 2026

TRUP Earnings Call Summary for Q4,2025

Record AOI growth: 2025 AOI $152M (+33% YoY), 2026 guidance for AOI $173M-$187M (+19% YoY). Q4 AOI $43.1M, margin 16.5% (new high).
Strong retention and growth: Q4 net pet growth 50%, full-year 10%. Gross adds up 8% YoY, IRR 23% (vs. 30% target).
Efficiency improvements: Variable expenses 8.7% of revenue, loss ratio 69.1% (vs. 70% YoY). Free cash flow $75.4M (+95% YoY).
Strategic initiatives: Landspath food initiative, brand spend expansion, and debt reduction to support long-term growth.

Earnings

EPS

Revenue

Revenue & Expenses

TRUP has released its 2025 Q4 earnings report, with revenue of 376.85M, reflecting a YoY change of 11.72%, and net profit of 5.63M, showing a YoY change of 239.98%. The Sankey diagram below clearly presents TRUP's revenue sources and cost distribution.

Key Indicators

Trupanion (TRUP) key financial stats and ratios, covering profitability, financial health, and leverage.

Income Statement

Trupanion (TRUP)'s revenue and profit trends over recent years, visualized with a waterfall chart to showcase the revenue-to-profit funnel.

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Breakdown

Balance Sheet

Trupanion (TRUP)'s asset and liability trends over recent years, visualized with a waterfall chart to illustrate changes in its asset-liability structure.

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Breakdown

Cash Flow

Trupanion (TRUP)'s cash flow trends over recent years, visualized with a waterfall chart to illustrate changes in its operating, investing, and financing cash flows.

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