Medical insurance for cats and dogs

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Trupanion (TRUP) Q2 Earnings and Revenues Top Estimates
ZACKS· 2025-08-07 23:46
Core Viewpoint - Trupanion reported quarterly earnings of $0.22 per share, significantly exceeding the Zacks Consensus Estimate of a loss of $0.03 per share, and showing improvement from a loss of $0.14 per share a year ago [1][2] Financial Performance - The earnings surprise for the quarter was +833.33%, with the company previously expected to post a loss of $0.04 per share but instead reporting a loss of $0.03, resulting in a +25% surprise [2] - Trupanion's revenues for the quarter ended June 2025 were $353.56 million, surpassing the Zacks Consensus Estimate by 1.99% and up from $314.8 million year-over-year [3] - The company has exceeded consensus revenue estimates four times over the last four quarters [3] Stock Performance and Outlook - Trupanion shares have increased by approximately 0.9% since the beginning of the year, while the S&P 500 has gained 7.9% [4] - The company's earnings outlook is crucial for investors, with current consensus EPS estimates for the upcoming quarter at -$0.02 on revenues of $354.42 million, and $0.04 on $1.4 billion in revenues for the current fiscal year [5][8] Industry Context - The Insurance - Accident and Health industry, to which Trupanion belongs, is currently ranked in the bottom 14% of over 250 Zacks industries, indicating potential challenges for stock performance [9]
Trupanion Reports Second Quarter 2025 Results
Globenewswire· 2025-08-07 20:05
Core Insights - Trupanion, Inc. reported strong financial results for Q2 2025, highlighting consistent revenue growth, margin expansion, and improved retention rates, which positions the company well for future investments in the pet insurance market [2][10]. Financial Highlights - Total revenue for Q2 2025 was $353.6 million, a 12% increase compared to Q2 2024 [10]. - Subscription business revenue reached $242.2 million, marking a 16% increase year-over-year [10]. - Net income for Q2 2025 was $9.4 million, or $0.22 per share, compared to a net loss of $(5.9) million, or $(0.14) per share, in Q2 2024 [10]. - Adjusted EBITDA for Q2 2025 was $16.6 million, up from $7.4 million in Q2 2024 [10]. - Operating cash flow was $15.0 million, with free cash flow of $12.0 million in Q2 2025, compared to $6.9 million and $4.0 million, respectively, in Q2 2024 [10]. Enrollment Metrics - Total enrolled pets as of June 30, 2025, was 1,660,455, a decrease of 2% from the previous year [10]. - Subscription enrolled pets increased by 4% to 1,066,354 [10]. - Monthly average revenue per pet rose to $78.73 from $70.76 year-over-year [22]. Cost and Expense Analysis - Total cost of revenue for Q2 2025 was $298.7 million, compared to $274.5 million in Q2 2024 [10]. - Subscription cost of paying veterinary invoices was 71.1% of subscription revenue, down from 74.1% in Q2 2024 [26]. - Average pet acquisition cost increased to $272 from $219 year-over-year [22]. Cash and Investment Position - As of June 30, 2025, the company held $319.6 million in cash and short-term investments, with an additional $15 million available under its credit facility [10]. - The company reported a net cash provided by operating activities of $30.99 million for the first half of 2025, compared to $9.29 million in the first half of 2024 [20].
Aflac (AFL) Q2 Earnings and Revenues Top Estimates
ZACKS· 2025-08-05 22:45
Company Performance - Aflac reported quarterly earnings of $1.78 per share, exceeding the Zacks Consensus Estimate of $1.71 per share, but down from $1.83 per share a year ago, representing an earnings surprise of +4.09% [1] - The company posted revenues of $4.54 billion for the quarter, surpassing the Zacks Consensus Estimate by 2.30%, but down from $5.14 billion year-over-year [2] - Over the last four quarters, Aflac has surpassed consensus EPS estimates two times and topped revenue estimates just once [2] Future Outlook - The sustainability of Aflac's stock price movement will depend on management's commentary during the earnings call and future earnings expectations [3][4] - The current consensus EPS estimate for the upcoming quarter is $1.73 on revenues of $4.47 billion, and for the current fiscal year, it is $6.75 on revenues of $17.68 billion [7] Industry Context - The Insurance - Accident and Health industry, to which Aflac belongs, is currently ranked in the bottom 15% of over 250 Zacks industries, indicating potential challenges ahead [8] - Empirical research shows a strong correlation between near-term stock movements and trends in earnings estimate revisions, which can impact Aflac's performance [5][6]
Trupanion (TRUP) May Report Negative Earnings: Know the Trend Ahead of Next Week's Release
ZACKS· 2025-07-31 15:07
Wall Street expects a year-over-year increase in earnings on higher revenues when Trupanion (TRUP) reports results for the quarter ended June 2025. While this widely-known consensus outlook is important in gauging the company's earnings picture, a powerful factor that could impact its near-term stock price is how the actual results compare to these estimates. The stock might move higher if these key numbers top expectations in the upcoming earnings report, which is expected to be released on August 7. On th ...
Trupanion Announces Second Quarter 2025 Earnings Release and Conference Call
Globenewswire· 2025-07-17 20:15
Core Viewpoint - Trupanion, Inc. will report its financial results for the second quarter of 2025 on August 7, 2025, after market close, and will host a conference call to discuss the results and management observations [1][2]. Company Overview - Trupanion is a leader in medical insurance for pets, specifically cats and dogs, with over 1,000,000 pets currently enrolled [4]. - The company has been operational for over two decades, providing pet owners with peace of mind through its insurance offerings, which include unlimited payouts for the life of the pets [4]. - Trupanion is the only North American provider with technology that allows for direct payment to veterinarians at the time of checkout [4]. - The company is headquartered in Seattle, WA, and is listed on NASDAQ under the symbol "TRUP" [4]. Conference Call Details - The conference call will begin shortly after 1:30 p.m. PT / 4:30 p.m. ET on August 7, 2025 [1]. - Participants can access the call by dialing specific numbers for the United States and international callers [3]. - A telephonic replay will be available after the call, along with a live webcast and slide presentation on Trupanion's Investor Relations site [2][3].
Trupanion Honored with Puget Sound Business Journal’s Excellence in Wellbeing Award
Globenewswire· 2025-07-15 12:00
Core Insights - Trupanion has been awarded the Excellence in Wellbeing Award by the Puget Sound Business Journal, recognizing its commitment to employee well-being [1][2][3] Company Overview - Trupanion is a leading provider of medical insurance for pets in North America, with over 1,000,000 pets currently enrolled [5] - The company offers unlimited payouts for the life of pets and has a patented process that allows for direct payment to veterinarians at checkout [5] Employee Well-being Initiatives - The award highlights Trupanion's culture of support and investment in team member well-being, emphasizing the importance of physical, mental, and emotional health [2][3] - Trupanion utilizes ongoing team member feedback to guide benefit decisions, ensuring that resources provided empower employees to lead balanced lives [4]
Trupanion to Host 2025 Annual Investor Day on September 17
Globenewswire· 2025-06-26 20:15
Core Insights - Trupanion, Inc. will host its Annual Investor Day on September 17, 2025, aimed at providing shareholders with insights into the company's achievements and strategic vision [1][2] - The event will include presentations and a Q&A session with teams responsible for executing the company's strategic growth plan [2] Company Overview - Trupanion is a leader in medical insurance for pets, specifically cats and dogs, with over 1,000,000 pets currently enrolled across the United States, Canada, and parts of Continental Europe [3] - The company has been operational for over two decades, focusing on providing pet owners with peace of mind through unlimited payouts for the life of their pets [3] - Trupanion is unique in North America for its patented technology that allows for direct payment to veterinarians at the time of checkout [3] - The company is publicly traded on NASDAQ under the symbol "TRUP" and was founded in 2000, with its headquarters located in Seattle, WA [3]
Trupanion Announces Winners of the Veterinary Appreciation Day™ Awards
Globenewswire· 2025-06-18 20:05
Core Points - Trupanion held its annual awards event on June 18, 2025, to honor the veterinary community for their significant contributions to pet health and well-being [1][3] - The awards program received over 47,000 public votes, highlighting the importance of veterinary teams in North America [2][3] - Trupanion established June 18 as Veterinary Appreciation Day in 2015 to recognize the efforts of veterinary professionals [3] Award Winners - The 2025 Veterinary Appreciation Day Awards recognized 12 winners across various categories, including Veterinarian of the Year and Veterinary Professional of the Year [4][5] - Winners included Yafen Zhen, DVM from VCA San Martin Animal Hospital, and Marie Marquez, CSR from VCA Veterinary Care Animal Hospital, among others [6][8][9] - The awards spanned multiple regions in the U.S. and Canada, showcasing the diverse talent within the veterinary field [5][7] Company Overview - Trupanion is a leading provider of medical insurance for pets in North America, with over 1,000,000 pets enrolled [11] - The company offers unlimited payouts for the life of pets and has a patented process for direct payment to veterinarians at checkout [11] - Trupanion is publicly traded on NASDAQ under the symbol "TRUP" and was founded in 2000, headquartered in Seattle, WA [11]
Trupanion (TRUP) Upgraded to Buy: What Does It Mean for the Stock?
ZACKS· 2025-06-09 17:01
Core Viewpoint - Trupanion (TRUP) has received a Zacks Rank 2 (Buy) upgrade, indicating a positive outlook driven by rising earnings estimates, which significantly influence stock prices [1][2][4]. Earnings Estimates and Stock Price Impact - The Zacks rating system emphasizes the importance of changing earnings estimates in determining stock price movements, making it a valuable tool for investors [2][3]. - An increase in earnings estimates typically leads to higher fair value calculations by institutional investors, resulting in stock price movements [3]. Trupanion's Earnings Outlook - For the fiscal year ending December 2025, Trupanion is projected to earn $0.07 per share, reflecting a 130.4% increase from the previous year [7]. - Over the past three months, the Zacks Consensus Estimate for Trupanion has risen by 16.7%, indicating a positive trend in earnings expectations [7]. Zacks Rank System - The Zacks Rank system classifies stocks based on earnings estimates into five groups, with a strong historical performance, particularly for Zacks Rank 1 stocks, which have averaged a +25% annual return since 1988 [6]. - Trupanion's upgrade to Zacks Rank 2 places it in the top 20% of Zacks-covered stocks, suggesting a strong potential for market-beating returns in the near term [9].
Trupanion to Present at the William Blair 45th Annual Growth Stock Conference
Globenewswire· 2025-05-28 13:00
Company Overview - Trupanion, Inc. is a leader in medical insurance for pets, specifically cats and dogs, operating in the United States, Canada, and parts of Continental Europe with over 1,000,000 pets currently enrolled [2] - The company has been providing pet owners with peace of mind for over two decades, focusing on pet recovery rather than financial stress [2] - Trupanion offers unlimited payouts for the life of pets and is the only North American provider with technology to pay veterinarians directly at the time of checkout [2] Upcoming Events - Margi Tooth, the CEO and President of Trupanion, will present at the William Blair 45th Annual Growth Stock Conference on June 3, 2025, at 3:20 p.m. CT [1] - The presentation will be available via a live webcast on Trupanion's Investor Relations website [1]