Trupanion Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Premiums & Annuity Revenue	1,400	1,286	1,109	905.18	698.99	502.03
Total Revenue	1,400	1,286	1,109	905.18	698.99	502.03
Revenue Growth (YoY)	12.50%	15.97%	22.47%	29.50%	39.23%	30.76%
Policy Benefits	1,012	949.15	831.06	649.74	486.06	420.13
Policy Acquisition & Underwriting Costs	80.66	71.38	77.37	89.5	78.65	47.84
Depreciation & Amortization	15.73	16.47	12.47	10.92	11.97	7.07
Selling, General & Administrative	85.58	74.36	56.87	46.57	36.76	26.72
Other Operating Expenses	163.39	152.22	141.26	126.77	101.44	-
Total Operating Expenses	1,387	1,290	1,145	947.56	733.93	506.31
Operating Income	12.65	-4.03	-36.27	-42.38	-34.94	-4.28
Interest Expense	-13.11	-14.5	-12.08	-4.27	-0.01	-1.38
Earnings From Equity Investments	-0.3	-0.18	-0.22	-0.25	-0.17	-0.13
Other Non Operating Income (Expenses)	15.67	14.37	7.7	3.07	-0.01	0.58
EBT Excluding Unusual Items	14.91	-4.34	-40.86	-43.82	-35.14	-5.21
Merger & Restructuring Charges	-	-	-	-	-	-0.52
Impairment of Goodwill	-5.3	-5.3	-	-	-	-
Other Unusual Items	-	-	-4.18	-0.37	-0.08	-
Pretax Income	17.4	-9.64	-45.04	-44.2	-35.22	-5.73
Income Tax Expense	1.94	-0.01	-0.34	0.48	0.31	0.11
Net Income	15.46	-9.63	-44.69	-44.67	-35.53	-5.84
Net Income to Common	15.46	-9.63	-44.69	-44.67	-35.53	-5.84
Shares Outstanding (Basic)	43	42	41	41	40	36
Shares Outstanding (Diluted)	43	42	41	41	40	36
Shares Change (YoY)	3.04%	1.74%	1.65%	1.56%	11.93%	3.50%
EPS (Basic)	0.36	-0.23	-1.08	-1.10	-0.89	-0.16
EPS (Diluted)	0.36	-0.23	-1.08	-1.10	-0.89	-0.16
Free Cash Flow	71.86	38.57	0.36	-25.09	-4.9	14.09
Free Cash Flow Per Share	1.66	0.92	0.01	-0.61	-0.12	0.39
Operating Margin	0.90%	-0.31%	-3.27%	-4.68%	-5.00%	-0.85%
Profit Margin	1.10%	-0.75%	-4.03%	-4.93%	-5.08%	-1.16%
Free Cash Flow Margin	5.13%	3.00%	0.03%	-2.77%	-0.70%	2.81%
EBITDA	28.38	12.43	-23.79	-31.46	-22.98	2.79
EBITDA Margin	2.03%	0.97%	-2.15%	-3.48%	-3.29%	0.56%
D&A For EBITDA	15.73	16.47	12.47	10.92	11.97	7.07
EBIT	12.65	-4.03	-36.27	-42.38	-34.94	-4.28
EBIT Margin	0.90%	-0.31%	-3.27%	-4.68%	-5.00%	-0.85%
Revenue as Reported	-	-	-	-	-	502.03

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Insurance template. Financial Sources.

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