Trupanion, Inc. (TRUP)

Trupanion Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Premiums Earned	1,481	1,439	1,286	1,109	905.18	698.99
Revenue	1,481	1,439	1,286	1,109	905.18	698.99
Revenue Growth (YoY)	12.10%	11.95%	15.97%	22.47%	29.50%	39.23%
Insurance Benefits & Claims	1,240	1,208	1,107	977.59	782.99	594.65
Other Operating Expenses	201.86	216.87	188.13	171.46	164.93	139.37
Operating Income	39.54	14.14	-9.33	-40.44	-42.75	-35.03
Interest Expense	12.42	13.76	14.5	12.08	4.27	0.01
Other Non-Operating Income (Expense)	21.73	21.61	14.19	7.48	3.33	0.16
Total Non-Operating Income (Expense)	34.15	35.37	28.69	19.56	7.59	0.17
Pretax Income	29.39	21.99	-9.64	-45.04	-44.2	-35.22
Provision for Income Taxes	3.6	2.56	-0.01	-0.34	0.48	0.31
Net Income	25.8	19.43	-9.63	-44.69	-44.67	-35.53
Net Income to Common	25.8	19.43	-9.63	-44.69	-44.67	-35.53
Shares Outstanding (Basic)	43	43	42	41	41	40
Shares Outstanding (Diluted)	44	44	42	41	41	40
Shares Change (YoY)	2.09%	3.31%	1.74%	1.65%	1.56%	11.93%
EPS (Basic)	0.60	0.45	-0.23	-1.08	-1.10	-0.89
EPS (Diluted)	0.59	0.45	-0.23	-1.08	-1.10	-0.89
Shares Outstanding	43.62	43.4	42.49	41.86	41.01	40.48
Free Cash Flow	75.07	75.36	38.57	0.36	-25.09	-4.9
Free Cash Flow Growth	-0.38%	95.38%	10674.02%	-	-	-
Free Cash Flow Per Share	1.72	1.73	0.91	0.01	-0.62	-0.12
Operating Margin	2.67%	0.98%	-0.73%	-3.65%	-4.72%	-5.01%
Profit Margin	1.74%	1.35%	-0.75%	-4.03%	-4.94%	-5.08%
FCF Margin	5.07%	5.24%	3.00%	0.03%	-2.77%	-0.70%
EBITDA	55.29	29.98	7.13	-27.97	-31.83	-23.06
EBITDA Margin	3.73%	2.08%	0.55%	-2.52%	-3.52%	-3.30%
EBIT	39.54	14.14	-9.33	-40.44	-42.75	-35.03
EBIT Margin	2.67%	0.98%	-0.73%	-3.65%	-4.72%	-5.01%
Effective Tax Rate	12.24%	11.64%	0.05%	0.76%	-1.08%	-0.88%

Updated Apr 30, 2026. Data Source: Fiscal.ai. Insurance template. Financial Sources.

SEC Filings: 10-K · 10-Q