Trupanion, Inc. (TRUP) Q3 2022 Earnings Call Transcript

Nov. 03, 2022 11:25 PM ETTrupanion, Inc. (TRUP)
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Trupanion, Inc. (NASDAQ:TRUP) Q3 2022 Earnings Conference Call November 3, 2022 4:30 PM ET

Company Participants

Laura Bainbridge – Investor Relations

Darryl Rawlings – Chief Executive Officer

Margi Tooth – President

Drew Wolff – Chief Financial Officer

Tricia Plouf – Chief Operating Officer

Conference Call Participants

Shweta Khajuria – Evercore ISI

Corey Grady – Jefferies

John Barnidge – Piper Sandler

Josh Shanker – Bank of America

Elliot Wilbur – Raymond James

Ryan Tunis – Autonomous Research

Maria Ripps – Canaccord

Greg Gibas – Northland Securities

Laura Bainbridge

Good afternoon, and welcome to Trupanion’s third quarter 2022 financial results conference call. Participating on today’s call are Margi Tooth, President; Drew Wolff, Chief Financial Officer and joining use remotely from Europe, Darryl Rawlings, Chief Executive Officer. Similar to prior earnings calls Tricia Plouf, Chief Operating Officer will be available for the Q&A portion of today’s call.

Before we begin, I would like to remind everyone that during today’s conference call we will make certain forward-looking statements regarding the future operations, opportunities, and financial performance of Trupanion within the meaning of the Safe Harbor provision of the Private Securities Litigation Reform Act of 1995. These statements involve a high degree of known and unknown risks and uncertainties that could cause actual results to differ materially from those discussed. A detailed discussion of these and other risks and uncertainties are included in our earnings release, which can be found on our Investor Relations website, as well as the Company’s most recent reports on Forms 10-K and 8-K filed with the Securities and Exchange Commission.

Today’s presentation contains references to non-GAAP financial measures that Management uses to evaluate the Company’s performance, including without limitation variable expenses, fixed expenses, adjusted operating income, acquisition costs, internal rate of return, adjusted EBITDA, and free cash flow. When we use the term "adjusted operating income" or "margin," it is intended to

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