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Trupanion TRUP Q3 2025 earnings

Reported November 6, 2025 · After market close

Revenue$366.9MBeat by $5.3M
EPS$0.13Miss by $0.76
Revenue estimate$361.6M
EPS estimate$0.89

Next report

Nov 5, 2026 (in 2 months)
Revenue estimate$402.5M
EPS estimate$0.16

Financials

Q3 2025

Income statement

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Revenue$366.9M+12.1%
Gross profit$60.1M+21.6%
Operating income$5.9M+236%
Net income$5.9M+312%
EPS (diluted)$0.13+333%

Balance sheet

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Cash & equivalents$188.9M+17.4%
Total debt$114.5M-11.1%
Total equity$368.6M+15.1%
Total assets$880.2M+7.8%

Cash flow

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Operating cash flow$29.2M+91.2%
CapEx$5.3M+177%
Free cash flow$23.9M+78.9%

Valuation & ratios

Valuation

as of 09/30/25
See full
Market cap$1.86B+5.3%
Enterprise value$1.79B+3.0%
P/S1.3×-0.1×

Profitability

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Gross margin15.6%+2.3pp
Operating margin0.5%+0.3pp
FCF margin5.1%+2.7pp

Returns & leverage

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Debt / equity0.3×-0.1×
Current ratio1.7×+0.1×

Segments

By segment

See full
Subscription business$252.7M+15.4%
Other Segments$114.2M+5.3%

FAQ

When did Trupanion report Q3 2025 earnings?
Trupanion (TRUP) reported Q3 2025 earnings on November 6, 2025 after market close.
What were Trupanion's Q3 2025 revenue and EPS?
Trupanion reported revenue of $366.9M and eps of $0.13 for Q3 2025.
Did Trupanion beat estimates in Q3 2025?
Revenue beat the consensus estimate of $361.6M by $5.3M. EPS missed the consensus estimate of $0.89 by $0.76.
How did Trupanion's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 12.1% from $327.5M a year earlier and eps grew 333.3% from $0.03.
Where can I find Trupanion's Q3 2025 SEC filings?
You can read the 8-K earnings release (0001371285-25-000247) and the 10-Q periodic report (0001371285-25-000250) directly on SEC EDGAR. The filing index links above go to sec.gov.