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Trupanion
Trupanion (TRUP) investor relations material
Trupanion Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary12 Feb, 2026
Executive summary
Achieved record year in 2025 with total revenue of $1.44 billion, up 12% year-over-year, and strong Q4 performance; subscription revenue rose 16% to $989.3 million.
Net income for 2025 was $19.4 million, reversing a net loss of $9.6 million in 2024, aided by a $7.8 million realized gain from a preferred stock exchange.
Nearly 1.1 million pets protected at year-end, with consistent expansion and high retention rates.
Focused on brand expansion, member retention, and new product development to drive future growth.
Achieved four consecutive quarters of higher retention and accelerating gross pet adds.
Financial highlights
Q4 2025 total revenue was $376.9 million, up 12% year-over-year; subscription revenue was $261.4 million, up 15%.
Free cash flow for Q4 was $25.3 million, up from negative $1.9 million in Q4 2024; full-year free cash flow was $75.4 million, nearly doubling year-over-year.
Net income for Q4 was $5.6 million ($0.13 per share), up from $1.7 million ($0.04 per share) last year.
Ended 2025 with $370.7 million in cash and short-term investments and $111.8 million in debt.
Subscription business margin reached 14.7% for the year, up from 12.6% in 2024.
Outlook and guidance
2026 total revenue expected between $1.55 billion and $1.582 billion; subscription revenue between $1.117 billion and $1.137 billion (14% growth at midpoint).
Adjusted operating income for 2026 projected at $173–$187 million (19% growth at midpoint).
Q1 2026 revenue guidance: $376–$382 million; subscription revenue $265–$268 million; AOI $38–$41 million (27% growth at midpoint).
Guidance assumes veterinary inflation in line with current trends and uses a 73% USD/CAD conversion rate.
Management highlighted four consecutive quarters of higher retention and accelerating gross pet adds, supporting confidence in the next strategic plan.
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Next Trupanion earnings date
Q1 202630 Apr, 2026
Trupanion
Next Trupanion earnings date
Q1 202630 Apr, 2026
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Frequently asked questions
Trupanion, Inc. provides medical insurance for cats and dogs throughout the United States and Canada. Trupanion is an enrolled agent of American Pet Insurance Company, offering disease and accident coverage with no payout limits per incident, per year, or over the lifetime of the pet. It also offers an enrollment option for pre-existing conditions to individuals seeking coverage in certain states and a $0 deductible option for dogs and cats.
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