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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Trupanion
Trupanion (TRUP) investor relations material
Trupanion Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary5 Nov, 2026
Executive summary
Q3 revenue rose 11% YoY to $405.6M; record adjusted operating income (AOI) was $47.0M, and free cash flow reached a record $28.5M.
Subscription pets grew 6% YoY to 1.145M; monthly retention improved for the seventh consecutive quarter to 98.38%.
More than 20,500 net new pets were added as growth investments supported higher lifetime value and contribution per pet.
Financial highlights
Q3 net income was $9.3M, or $0.21 per basic and diluted share, versus $5.9M a year earlier; adjusted EBITDA was $20.8M versus $19.6M.
Operating cash flow was $30.7M; free cash flow was $28.5M versus $23.9M YoY. Q3 capital expenditures were $2.2M.
9M revenue was $1,182.6M, net income $21.0M, and adjusted EBITDA $57.9M; 9M operating cash flow was $66.3M and free cash flow $61.4M.
Outlook and guidance
FY2026 revenue guidance is $1.590B–$1.597B; subscription revenue is $1.131B–$1.133B, with 14% midpoint YoY growth.
FY2026 total AOI guidance is $179M–$182M, representing 19% YoY growth at the midpoint.
Q4 revenue guidance is $407M–$414M, subscription revenue $297M–$299M, and total AOI $48M–$51M; midpoint YoY growth is ~14% for subscription revenue and ~10% for AOI.
Guidance assumes a 72% U.S.-Canadian currency conversion rate; revenue projections are sensitive to exchange-rate movements.
Double-digit veterinary cost inflation is expected to persist through 2027; pricing reflects cost trends, while average member increases are expected to ease as prior adjustments catch up.
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Latest events from Trupanion
- Q2 2026 revenue up 11% YoY; $100M share repurchase and $44M dividend approved.TRUP
Q2 2026 - Margin expansion, capital surplus, and tech-driven efficiency set the stage for disciplined growth.TRUPCanaccord Genuity 44th Annual Growth Conference & Private Company Showcase 2024
- Q1 2026 revenue up 12% to $384M, AOI up 29%, and margins reached record highs.TRUPQ1 2026
- Shareholders will vote on directors, auditor ratification, and executive pay, with strong governance and oversight.TRUPProxy filing
- Key votes include director elections, auditor ratification, and executive pay approval.TRUPProxy filing
- Strong growth, data-driven innovation, and new products position the company for market expansion.TRUP47th Annual Raymond James Institutional Investor Conference
- Revenue up 12% to $1.44B, net income $19.4M, strong cash flow and subscription growth.TRUPQ4 2025
- Record profit growth, high retention, and global expansion drive strong 2025 outlook.TRUPInvestor Day 2025
- Sustainable, data-driven growth and international expansion are prioritized, with vet partnerships central.TRUPInvestor Day 2024
Next Trupanion earnings date
Q4 202618 Feb, 2027
Trupanion
Next Trupanion earnings date
Q4 202618 Feb, 2027
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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.