Neptune Insurance Holdings (NYSE: NP) files Q3 2025 results 8-K filing

Rhea-AI Filing Summary

Neptune Insurance Holdings Inc. filed a current report to note that it issued a press release announcing its financial results for the quarter ended September 30, 2025. The press release is provided as Exhibit 99.1 to the report and contains the detailed quarterly figures and commentary. The company states that this information is being furnished, not filed, so it is not subject to certain liability provisions and will only be incorporated into other SEC documents if specifically referenced.

8-K Event Classification

2 items: 2.02, 9.01

2 items

Item 2.02 Results of Operations and Financial Condition Financial

Disclosure of earnings results, typically an earnings press release or preliminary financials.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, and exhibit attachments filed with this report.

Understanding 8-K Material Events →

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d)

of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): November 12, 2025

NEPTUNE INSURANCE HOLDINGS INC.

(Exact name of registrant as specified in its charter)

Delaware		001-42878		33-4189588
(State or other jurisdiction of incorporation)		(Commission File Number)		(IRS Employer Identification Number)

400 6th Street S, Suite 2

St. Petersburg, Florida 33701

(Address of principal executive offices, including Zip Code)

Registrant’s telephone number, including area code: (727) 202-4815

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class		Trading Symbol		Name of each exchange on which registered
Class A Common Stock, par value $0.00001 per share		NP		The New York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☒

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02 Results of Operations and Financial Condition.

On November 12, 2025, Neptune Insurance Holdings Inc. (the “Company”) issued a press release announcing its financial results for the quarter ended September 30, 2025. A copy of the press release is furnished as Exhibit 99.1 to this Current Report on Form 8-K.

The information contained in this Current Report on Form 8-K, including Exhibit 99.1 attached hereto, is being furnished and shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended or otherwise subject to the liabilities of that section or Sections 11 and 12(a)(2) of the Securities Act of 1933, as amended. The information contained herein and in the accompanying exhibit shall not be incorporated by reference into any registration statement or other document filed with the Securities and Exchange Commission by the Company whether made before or after the date hereof, regardless of any general incorporation language in such filing, except as shall be expressly set forth by specific reference in such filing.

Item 9.01 Financial Statements and Exhibits.

(d) Exhibits.

Exhibit No.		Description
99.1		Press Release issued by Neptune Insurance Holdings Inc. on November 12, 2025.
104		Cover Page Interactive Data File (embedded within the Inline XBRL document).

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SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

	NEPTUNE INSURANCE HOLDINGS INC.
Date: November 12, 2025	By:	/s/ Trevor Burgess
		Trevor Burgess
		Chief Executive Officer

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FAQ

What did Neptune Insurance Holdings Inc. (NP) disclose in this 8-K?

Neptune Insurance Holdings Inc. disclosed that it issued a press release announcing its financial results for the quarter ended September 30, 2025, and furnished that release as Exhibit 99.1.

Which period’s results does Neptune Insurance’s latest press release cover?

The press release furnished by Neptune Insurance Holdings Inc. covers its financial results for the quarter ended September 30, 2025.

How is the Neptune Insurance (NP) earnings press release treated for SEC purposes?

The company states that the information in the report and Exhibit 99.1 is being furnished, not filed, so it is not deemed filed under Section 18 of the Exchange Act and related liability provisions.

Can Neptune Insurance’s Q3 2025 press release be incorporated into other SEC filings?

The company explains that the information in the report and Exhibit 99.1 will not be incorporated by reference into other SEC filings unless it is expressly included by specific reference.

What exhibits are included with Neptune Insurance Holdings Inc.’s 8-K?

The 8-K includes Exhibit 99.1, a press release issued on November 12, 2025, and Exhibit 104, the cover page interactive data file embedded within the Inline XBRL document.

Who signed Neptune Insurance Holdings Inc.’s current report?

The report was signed on behalf of Neptune Insurance Holdings Inc. by Trevor Burgess, Chief Executive Officer.