TRUP TRUPANION, INC.

company

SEC Filings & Insider Trading Activity 2026

Business Overview

• • Core business model: vertically-integrated medical insurance for cats and dogs with data-driven, subscription-based pricing personalized to each pet
• • New emphasis on "Powered by Trupanion" third-party marketed products and expansion of low/medium revenue products Furkin and PHI Direct in Canada
• • Strategic focus on increasing veterinary hospital leads, member referrals, conversion rates, and automating veterinary invoice payments using AI to reduce costs
• • Employee count 1,121 as of Dec 31, 2025, with 159 field Territory Partners; revenue growth CAGR 28% from $19.1M in 2010 to $989.3M in 2025
• • Patent portfolio expanded with 13 issued and 23 pending patents covering veterinary software, claims automation, pet tracking, and pet food technology

Risk Factors

• • Regulatory risk: potential disallowance or delay of subscription price increases by state insurance regulators impacting revenue
• • Macroeconomic threat: inflation and rising interest rates potentially reducing consumer ability or willingness to pay for subscriptions
• • Operational vulnerability: reliance on independent Territory Partners critical for lead generation, with risk of termination or misclassification causing legal and financial exposures
• • Competitive risk: established insurers and new large entrants increasing pet acquisition costs and challenging market share
• • Financial risk: accumulated deficit $206.5M as of Dec 31, 2025, with uncertainty in recovering $85.4M spent on new pet acquisition in 2025

Management Discussion & Analysis

• • Revenue $1.0B subscription segment, with monthly average revenue per pet $80.79 in 2025 vs $72.98 in 2024
• • Subscription cost of paying veterinary invoices 70.5% of subscription revenue in 2025 vs 72.5% in 2024
• • Subscription pets enrolled 1,096,173 in 2025, up 5.2% YoY from 1,041,212 in 2024; other segment pets declined
• • New pet acquisition cost $77.9M (7.9% subscription revenue) in 2025 vs $64.4M (7.5%) in 2024; fixed expenses 5.8% of revenue
• • Management targets pet acquisition return on investment; expects continued decline in other segment from Pets Best relationship

What are the latest TRUP SEC filings in 2026?

TRUPANION, INC. (TRUP) has filed a 10-K annual report on February 13, 2026, a 10-Q quarterly report on April 30, 2026, an 8-K current report on August 5, 2026 with the SEC. SignalX tracks every new SEC EDGAR filing daily, including 10-K, 10-Q, 8-K, and Form 4 insider transactions, with AI-powered summaries of key sections.

When did TRUP file its most recent 10-K annual report?

TRUPANION, INC. (TRUP) filed its most recent 10-K annual report on February 13, 2026. The 10-K includes audited financial statements, business overview, risk factors, and management discussion, all available on SignalX with AI-generated summaries and XBRL financial data.

How do I view TRUP 10-Q quarterly reports?

TRUPANION, INC. (TRUP)'s most recent 10-Q quarterly report was filed on April 30, 2026. SignalX displays every TRUP 10-Q with AI-generated summaries of the MD&A (Management Discussion & Analysis) and Risk Factors sections, plus links to the original SEC EDGAR document.

What 8-K current reports has TRUP filed recently?

TRUPANION, INC. (TRUP)'s most recent 8-K was filed on August 5, 2026. 8-K filings disclose material corporate events such as earnings releases, executive changes, mergers, and other significant developments. SignalX surfaces each 8-K with item-level summaries so you can quickly see what happened.

Where can I find TRUP insider trading activity (Form 4)?

SignalX aggregates every TRUP Form 4 insider transaction from SEC EDGAR. Form 4 reports show when officers, directors, and 10% shareholders buy or sell company stock, with transaction code, share count, and price per share.

How often does TRUP file with the SEC?

TRUPANION, INC. (TRUP) files a 10-K annual report once per year (typically within 60 days of fiscal year-end) and 10-Q quarterly reports three times per year. 8-K current reports are filed as needed when material events occur, and Form 4 insider transaction reports are due within two business days of a trade. SignalX monitors SEC EDGAR daily to surface every new TRUP filing with AI-powered analysis.

What is the difference between 10-K, 10-Q, and 8-K SEC filings?

A 10-K is a comprehensive annual report with audited financials, business overview, and risk factors. A 10-Q is a shorter quarterly report with unaudited financials and management discussion. An 8-K is a current report filed when a material event occurs, such as earnings releases, executive changes, acquisitions, or other significant developments. SignalX provides AI-generated summaries for all three filing types for TRUPANION, INC. (TRUP).

What is TRUP's SEC CIK number?

TRUPANION, INC. (TRUP)'s SEC CIK (Central Index Key) number is 1371285. The CIK is a unique identifier assigned by the SEC to every filing entity. You can use CIK 1371285 to look up all TRUP filings on SEC EDGAR, or browse them here on SignalX with AI-powered analysis.

Where can I find TRUP return on equity (ROE) and financial data?

SignalX extracts XBRL financial data from TRUPANION, INC. (TRUP) 10-K annual filings, including revenue, net income, gross profit, operating income, EPS, total assets, stockholders' equity, and operating cash flow. Return on equity (ROE) can be derived from net income divided by stockholders' equity. Multi-year financial trends are displayed in the Financial Summary table above.