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Trupanion TRUP Q4 2025 Annual earnings

Reported February 12, 2026 · After market close

Revenue$376.9MBeat by $1.3M
EPS$0.13Miss by $0.01
Revenue estimate$375.5M
EPS estimate$0.14

Next report

Aug 5, 2026 (In 1 week)
Revenue estimate$389.7M
EPS estimate$0.11

Financials

Q4 2025

Income statement

See full
Revenue$376.9M+11.7%
Gross profit$65.0M+22.9%
Operating income$7.1M—
Net income$5.6M—
EPS (diluted)$0.13—

Balance sheet

See full
Cash & equivalents$171.5M-14.1%
Total debt$125.9M-2.6%
Total equity$383.9M+18.8%
Total assets$915.0M+13.4%

Cash flow

See full
Operating cash flow$29.3M+23.5%
CapEx$3.9M+111%
Free cash flow$25.3M+16.0%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$1.61B-20.9%
Enterprise value$1.57B-20.4%
P/E83.1×—
P/S1.1×-0.5×

Profitability

See full
Gross margin16.1%+2.1pp
Operating margin1%+0.7pp
Net margin1.4%—
FCF margin5.2%+2.2pp

Returns & leverage

See full
Return on equity5.5%—
Debt / equity0.3×-0.1×
Current ratio1.7×0.0×

Segments

By segment

See full
Subscription business$261.4M+14.8%
Other Segments$115.4M+5.4%

Versus estimates

Revenue

Q1 2026$384.0MBeat by $4.3M
Q4 2025$376.9MBeat by $1.3M
Q3 2025$366.9MBeat by $5.3MQ2 2025$353.6MBeat by $6.9MQ1 2025$342.0MMiss by $4.4MQ4 2024$337.3MBeat by $1.9M

Diluted EPS

Q1 2026$0.11Beat by $0.04
Q4 2025$0.13Miss by $0.01
Q3 2025$0.13Miss by $0.76Q2 2025$0.22Beat by $0.25Q1 2025-$0.03Beat by $0.01Q4 2024$0.04Miss by $0.02

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Questions, answered.

When did Trupanion report Q4 2025 earnings?
Trupanion (TRUP) reported Q4 2025 earnings on February 12, 2026 after market close.
What were Trupanion's Q4 2025 revenue and EPS?
Trupanion reported revenue of $376.9M and eps of $0.13 for Q4 2025.
Did Trupanion beat estimates in Q4 2025?
Revenue beat the consensus estimate of $375.5M by $1.3M. EPS missed the consensus estimate of $0.14 by $0.01.
How did Trupanion's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 11.7% from $337.3M a year earlier and eps grew 225.0% from $0.04.
Where can I find Trupanion's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001371285-26-000008) and the 10-K periodic report (0001371285-26-000018) directly on SEC EDGAR. The filing index links above go to sec.gov.