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Trupanion Inc. (TRUP)
:TRUP
Earnings Data
Report Date
Jul 31, 2025TBA Not Confirmed
Period Ending
2025 (Q2)Consensus EPS Forecast
-0.03Last Year’s EPS
-0.14Same Quarter Last Year
Moderate Buy
Based on 6 Analysts Ratings
Earnings Call Summary
Earnings Call Date:May 01, 2025
|% Change Since: 21.08%
|Next Earnings Date:Jul 31, 2025
Earnings Call Sentiment|Positive
Trupanion's first quarter of 2025 showed strong financial performance and growth in key areas such as revenue, adjusted operating income, and operational efficiencies. However, the company faced challenges with adverse reserve development and retention of first-year customers. Despite market share losses in the previous year, the company is optimistic about future growth and improvements. Overall, the positive aspects of increased profitability, improved retention, and operational efficiencies outweigh the challenges faced.Company Guidance
During Trupanion's first quarter 2025 earnings call, the company provided robust guidance, highlighting several key metrics. The subscription adjusted operating income surged by 53% year-over-year to over $30 million, driven by an improved loss ratio and operational efficiencies. Subscription revenue reached $233 million, marking a 16% increase compared to the previous year, largely due to a higher average revenue per pet and growth in enrolled pets. The value proposition also rose by 350 basis points, ending the quarter at 71.8%. Trupanion's focus on retention yielded results, as the monthly average retention improved to 98.28%, the first quarterly uptick in three years. The pet acquisition investment increased by 18% year-over-year, with an internal rate of return holding at 31%. Additionally, the company raised its full-year 2025 revenue guidance to between $1.39 billion and $1.425 billion, with subscription revenue expected to grow by approximately 14% year-over-year at the midpoint. For the second quarter, Trupanion forecasted total revenue to range from $344 million to $350 million, with subscription revenue anticipated to grow by 15% year-over-year at the midpoint.Strong Start to Fiscal Year 2025
Trupanion reported overachievement on both total revenue and total adjusted operating income in Q1 2025. Subscription adjusted operating income increased 53% year-over-year to over $30 million.
Core Subscription Business Growth
Revenue was $233 million, up 16% year-over-year, driven primarily by increases in average revenue per pet and a modest lift from growth in enrolled pets.
Improved Operational Efficiencies
The company achieved a substantial year-over-year increase of 350 basis points in value proposition, ending the quarter at 71.8% due to operational efficiencies and transition to the Vision technology platform.
Increase in Pet Acquisition Investment
Investment in pet acquisition increased 18% year-over-year, maintaining a 31% internal rate of return. The average profit per Trupanion Pet was up 46% year-over-year.
Improved Retention Rates
Monthly average retention improved quarter-on-quarter for the first time in 12 quarters to 98.28%, driven by improvements within the core Trupanion product.
Positive Financial Outlook for 2025
Full-year guidance was increased, with total revenue expected to be in the range of $1.39 billion to $1.425 billion and total adjusted operating income expected to grow by 15% year-over-year at the midpoint.
TRUP Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
TRUP Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
May 01, 2025 | $36.44 | $45.00 | +23.49% |
Feb 19, 2025 | $47.51 | $35.40 | -25.49% |
Oct 30, 2024 | $55.12 | $54.78 | -0.62% |
Aug 08, 2024 | $35.03 | $38.30 | +9.33% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Trupanion Inc. (TRUP) report earnings?
Trupanion Inc. (TRUP) is schdueled to report earning on Jul 31, 2025, TBA Not Confirmed.
What is Trupanion Inc. (TRUP) earnings time?
Trupanion Inc. (TRUP) earnings time is at Jul 31, 2025, TBA Not Confirmed.
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is TRUP EPS forecast?
TRUP EPS forecast for the fiscal quarter 2025 (Q2) is -0.03.