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Side-by-side financial comparison of Life Time Group Holdings, Inc. (LTH) and TRUPANION, INC. (TRUP). Click either name above to swap in a different company.
Life Time Group Holdings, Inc. is the larger business by last-quarter revenue ($745.1M vs $376.9M, roughly 2.0× TRUPANION, INC.). On growth, Life Time Group Holdings, Inc. posted the faster year-over-year revenue change (12.3% vs 11.7%). TRUPANION, INC. produced more free cash flow last quarter ($25.3M vs $-64.6M). Over the past eight quarters, Life Time Group Holdings, Inc.'s revenue compounded faster (11.7% CAGR vs 11.0%).
Life Time Group Holdings, Inc. operates a network of premium athletic, fitness and wellness destinations across the United States. It offers diverse services including state-of-the-art gym facilities, group exercise classes, personal training, spa treatments, nutrition coaching, youth programs and co-working spaces for consumers pursuing holistic healthy lifestyles.
TRUPANION, INC.TRUPEarnings & Financial Report
Trupanion, Inc. is a pet insurance provider headquartered in Seattle, Washington. Established in 1998, Trupanion operates across the United States, Canada, Australia, and Puerto Rico. The company offers coverage for pets and is self-underwritten by the American Pet Insurance Company (APIC).
LTH vs TRUP — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $745.1M | $376.9M |
| Net Profit | $123.0M | — |
| Gross Margin | 49.1% | 17.3% |
| Operating Margin | 17.4% | 1.9% |
| Net Margin | 16.5% | — |
| Revenue YoY | 12.3% | 11.7% |
| Net Profit YoY | 231.0% | — |
| EPS (diluted) | $0.55 | $0.13 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $745.1M | $376.9M | ||
| Q3 25 | $782.6M | $366.9M | ||
| Q2 25 | $761.5M | $353.6M | ||
| Q1 25 | $706.0M | $342.0M | ||
| Q4 24 | $663.3M | $337.3M | ||
| Q3 24 | $693.2M | $327.5M | ||
| Q2 24 | $667.8M | $314.8M | ||
| Q1 24 | $596.7M | $306.1M |
| Q4 25 | $123.0M | — | ||
| Q3 25 | $102.4M | — | ||
| Q2 25 | $72.1M | — | ||
| Q1 25 | $76.1M | — | ||
| Q4 24 | $37.2M | — | ||
| Q3 24 | $41.4M | — | ||
| Q2 24 | $52.8M | — | ||
| Q1 24 | $24.9M | — |
| Q4 25 | 49.1% | 17.3% | ||
| Q3 25 | 47.1% | 16.4% | ||
| Q2 25 | 47.0% | 15.5% | ||
| Q1 25 | 47.5% | 14.9% | ||
| Q4 24 | 48.2% | 15.7% | ||
| Q3 24 | 46.5% | 15.1% | ||
| Q2 24 | 46.8% | 12.8% | ||
| Q1 24 | 46.1% | 11.8% |
| Q4 25 | 17.4% | 1.9% | ||
| Q3 25 | 17.3% | 1.6% | ||
| Q2 25 | 14.2% | 0.7% | ||
| Q1 25 | 15.2% | -0.4% | ||
| Q4 24 | 13.1% | 0.1% | ||
| Q3 24 | 13.5% | 0.5% | ||
| Q2 24 | 15.7% | -1.7% | ||
| Q1 24 | 12.1% | -2.0% |
| Q4 25 | 16.5% | — | ||
| Q3 25 | 13.1% | — | ||
| Q2 25 | 9.5% | — | ||
| Q1 25 | 10.8% | — | ||
| Q4 24 | 5.6% | — | ||
| Q3 24 | 6.0% | — | ||
| Q2 24 | 7.9% | — | ||
| Q1 24 | 4.2% | — |
| Q4 25 | $0.55 | $0.13 | ||
| Q3 25 | $0.45 | $0.13 | ||
| Q2 25 | $0.32 | $0.22 | ||
| Q1 25 | $0.34 | $-0.03 | ||
| Q4 24 | $0.17 | $0.04 | ||
| Q3 24 | $0.19 | $0.03 | ||
| Q2 24 | $0.26 | $-0.14 | ||
| Q1 24 | $0.12 | $-0.16 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $204.8M | $370.7M |
| Total DebtLower is stronger | $1.5B | $101.8M |
| Stockholders' EquityBook value | $3.1B | $383.9M |
| Total Assets | $8.0B | $915.0M |
| Debt / EquityLower = less leverage | 0.48× | 0.27× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $204.8M | $370.7M | ||
| Q3 25 | $218.9M | $348.5M | ||
| Q2 25 | $175.5M | $319.6M | ||
| Q1 25 | $59.0M | $321.8M | ||
| Q4 24 | $10.9M | $307.4M | ||
| Q3 24 | $120.9M | $293.1M | ||
| Q2 24 | $34.5M | $277.2M | ||
| Q1 24 | $18.6M | $275.2M |
| Q4 25 | $1.5B | $101.8M | ||
| Q3 25 | $1.5B | — | ||
| Q2 25 | $1.5B | — | ||
| Q1 25 | $1.5B | — | ||
| Q4 24 | $1.5B | $127.5M | ||
| Q3 24 | $1.7B | — | ||
| Q2 24 | $1.8B | — | ||
| Q1 24 | $2.0B | — |
| Q4 25 | $3.1B | $383.9M | ||
| Q3 25 | $3.0B | $368.6M | ||
| Q2 25 | $2.9B | $355.5M | ||
| Q1 25 | $2.7B | $333.7M | ||
| Q4 24 | $2.6B | $323.3M | ||
| Q3 24 | $2.6B | $320.2M | ||
| Q2 24 | $2.4B | $305.8M | ||
| Q1 24 | $2.3B | $303.4M |
| Q4 25 | $8.0B | $915.0M | ||
| Q3 25 | $7.8B | $880.2M | ||
| Q2 25 | $7.6B | $847.8M | ||
| Q1 25 | $7.3B | $837.2M | ||
| Q4 24 | $7.2B | $806.9M | ||
| Q3 24 | $7.2B | $816.1M | ||
| Q2 24 | $7.1B | $795.9M | ||
| Q1 24 | $7.1B | $789.5M |
| Q4 25 | 0.48× | 0.27× | ||
| Q3 25 | 0.51× | — | ||
| Q2 25 | 0.53× | — | ||
| Q1 25 | 0.56× | — | ||
| Q4 24 | 0.59× | 0.39× | ||
| Q3 24 | 0.64× | — | ||
| Q2 24 | 0.78× | — | ||
| Q1 24 | 0.87× | — |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $239.9M | $29.3M |
| Free Cash FlowOCF − Capex | $-64.6M | $25.3M |
| FCF MarginFCF / Revenue | -8.7% | 6.7% |
| Capex IntensityCapex / Revenue | 40.9% | 1.0% |
| Cash ConversionOCF / Net Profit | 1.95× | — |
| TTM Free Cash FlowTrailing 4 quarters | $-21.0M | $75.4M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $239.9M | $29.3M | ||
| Q3 25 | $251.1M | $29.2M | ||
| Q2 25 | $195.7M | $15.0M | ||
| Q1 25 | $183.9M | $16.0M | ||
| Q4 24 | $163.1M | $23.7M | ||
| Q3 24 | $151.1M | $15.3M | ||
| Q2 24 | $170.4M | $6.9M | ||
| Q1 24 | $90.4M | $2.4M |
| Q4 25 | $-64.6M | $25.3M | ||
| Q3 25 | $28.6M | $23.9M | ||
| Q2 25 | $-26.3M | $12.0M | ||
| Q1 25 | $41.4M | $14.0M | ||
| Q4 24 | $26.8M | $21.8M | ||
| Q3 24 | $64.0M | $13.4M | ||
| Q2 24 | $26.1M | $4.0M | ||
| Q1 24 | $-66.4M | $-631.0K |
| Q4 25 | -8.7% | 6.7% | ||
| Q3 25 | 3.7% | 6.5% | ||
| Q2 25 | -3.5% | 3.4% | ||
| Q1 25 | 5.9% | 4.1% | ||
| Q4 24 | 4.0% | 6.5% | ||
| Q3 24 | 9.2% | 4.1% | ||
| Q2 24 | 3.9% | 1.3% | ||
| Q1 24 | -11.1% | -0.2% |
| Q4 25 | 40.9% | 1.0% | ||
| Q3 25 | 28.4% | 1.4% | ||
| Q2 25 | 29.2% | 0.8% | ||
| Q1 25 | 20.2% | 0.6% | ||
| Q4 24 | 20.6% | 0.6% | ||
| Q3 24 | 12.6% | 0.6% | ||
| Q2 24 | 21.6% | 0.9% | ||
| Q1 24 | 26.3% | 1.0% |
| Q4 25 | 1.95× | — | ||
| Q3 25 | 2.45× | — | ||
| Q2 25 | 2.71× | — | ||
| Q1 25 | 2.41× | — | ||
| Q4 24 | 4.39× | — | ||
| Q3 24 | 3.65× | — | ||
| Q2 24 | 3.23× | — | ||
| Q1 24 | 3.63× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
LTH
| Membership | $535.1M | 72% |
| In Center | $191.2M | 26% |
| Other | $18.8M | 3% |
TRUP
| Subscriptionbusiness | $261.4M | 69% |
| Other | $115.4M | 31% |
