Short answer
TRUPANION, INC. (TRUP) filed its Q3 2025 10-Q quarterly report on Nov 6, 2025 for the quarter ended Sep 30, 2025. Quarterly revenue was $367M (up 12.1% year over year) with net income of $6M.
Q3 2025 key financials · XBRL
- Revenue
- $367M
- +12.1% YoY · +3.8% QoQ
- Net income
- $6M
- +312.1% YoY · −37.6% QoQ
- Operating margin
- 1.6%
- EPS (diluted)
- $0.14
- +366.7% YoY · −33.3% QoQ
Source: XBRL data from the TRUPANION, INC. (TRUP) Q3 2025 10-Q on SEC EDGAR. USD.
TRUPANION, INC. Q3 2025 10-Q analysis
AI summary of MD&A and risk factor updates
Risk Factors
- New debt facility $120M from PNC replaces previous Credit Facility, increasing refinancing risk and debt service obligations
- Most material update: Floating rate SOFR-based debt exposes interest expense to unpredictable volatility amid recent bank failures
- Compliance risk: PNC Agreement covenants could force debt repayment or restrict transactions if breached, impacting operational flexibility
- Market risk: High leverage could place company at competitive disadvantage and increase vulnerability to economic downturns
- Financial risk: Substantial cash flow diverted to debt service limits funds for growth and may constrain borrowing capacity
Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K
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