Trupanion, Inc. (TRUP)

From the record

Trupanion, Inc.'s filings since 2017 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

From the record

Trupanion, Inc.'s 10 filed years say what it did: revenue went from $188 million in fiscal 2016 to $1.4 billion in fiscal 2025, up 25.4% a year; it rose in 9 of 9 years; it never fell from a peak; net income was positive in 1 of 10 of those years (its annual reports).

From the record

Over the 3 fiscal years to 2025-12-31, Trupanion, Inc.'s diluted share count grew about 2.2% a year, and dividends and buybacks returned about 0% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 34 sales (17 under scheduled 10b5-1 plans) and 0 purchases of their own stock on the open market in the year to 2026-11-12 (their Form 4 filings).

From the record

Return on equity: in the fiscal year ended 2025-12-31, Trupanion, Inc. earned about 5 cents of profit for every dollar of shareholders' money, and gross profitability: its products earned about 25 cents per dollar of everything the company owns (revenue less the cost of revenue). Leverage: it owed about 58 cents per dollar of assets, and net share issuance: its share count grew 3.3% over the year (the filed statements).

From the record

Trupanion, Inc.'s standing among 10 graded names in its industry family: revenue of $1.4 billion in fiscal 2025 ranks in the bottom 5% by size; a net margin of 1.4% ranks in the top 35%; revenue growth of 16.7% a year over the last 3 filed years ranks in the top 35% (its annual reports).

From the record

Trupanion, Inc.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Tooth, Margaret (CEO, as filed), filing under that title since 2024-08-20, 2.2 years (bottom 28% of its family); most of the 16 officers and directors filing now have filed since the record of its people begins (2023-03-10), a floor of 3.7 years the record cannot see past, so that part is not read; 6 officer or director changes were reported on Form 8-K since 2023-11-13, against the 16 people in charge now (bottom 45%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

From the record

Trupanion, Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $138 million against debt of $102 million leaves 4% of its assets as net cash, top 35% of its family; cash from operations less capital spending is 5.2% of revenue (top 15%); a gross margin of 16.1% (bottom 42%) (its annual report).

From the record

Trupanion, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 16.7% a year over the last three filed years against 25.4% over all 10, slowing (bottom 25% of its family); the newest year grew 12% (bottom 45%); research spending grew 70.5% a year (top 50%); capital spending grew -6.1% a year (bottom 35%) (its annual reports). Trupanion, Inc. reported 2 lines of business in fiscal 2025: Subscriptionbusiness at $989 million (69%), All Other at $450 million (31%); 2 of 2 grew against the year before (its annual report).

From the record

Trupanion, Inc.'s newest year against its own record: revenue of $1.4 billion in fiscal 2025 came in 6.1% below the $1.5 billion its prior three years' pace pointed to (bottom 15% of its family); net income of $19 million against a prior three-year average of $33 million (top 5%); a net margin of 1.4% against -3.2% before (top 25%) (its annual reports).