Every 8-K that Neptune Insurance Holdings Inc. (NP) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 8-K covers material events a company has to report between its quarterly reports, so if you follow NP and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full NP filings page.
Neptune Insurance Holdings Inc. reported what management calls its strongest quarter to date for the three months ended June 30, 2026, with revenue of $55.9 million, up 32.8% year over year. Net income was $15.8 million (28.3% margin), Adjusted net income $22.6 million, and Adjusted EBITDA $34.5 million (61.7% margin). Written premium increased 31.1% to $126.9 million, and on a last‑twelve‑month basis revenue reached $181.8 million with Adjusted EBITDA of $108.7 million.
Underwriting performance remained strong, with a lifetime written loss ratio of 19.5% as of June 30, 2026, improved from 24.7% a year earlier. Technology and distribution investments continued, including multiple Triton platform releases, expansion of Atlas+ tools to partners, and record new business sales, much of it from properties outside FEMA Special Flood Hazard Areas.
Neptune reported debt of $240.0 million on its revolving credit facility and a total net leverage ratio of 2.1x at quarter end; operating cash flow for the first half of 2026 was $43.4 million. Based on first‑half performance, the company raised its full‑year 2026 outlook to revenue of $199 million and an Adjusted EBITDA margin between 60% and 61%.
Neptune Insurance Holdings Inc. reported the results of its 2026 virtual annual meeting of stockholders. Investors re-elected Trevor Burgess and Jonathan Carlon as Class I directors to serve until the 2029 annual meeting, with each receiving more than 465 million votes in favor.
Stockholders also ratified PricewaterhouseCoopers LLP as independent public accountants for the fiscal year ending December 31, 2026, with 475,278,678 votes for, 3,631 against and 45,991 abstentions. As of the April 7, 2026 record date, 94,895,913 Class A shares and 43,435,000 Class B shares were outstanding, and approximately 70.98% of eligible shares were represented at the meeting.
Neptune Insurance Holdings Inc. reported strong top-line growth for the first quarter of 2026 and announced a new stock repurchase program. Revenue rose 28.8% to $37.8 million, while net income fell 26.1% to $7.3 million due largely to higher share-based compensation and public company costs.
On a non-GAAP basis, Adjusted net income increased 21.4% to $13.4 million and Adjusted EBITDA grew 26.0% to $21.6 million, for a 57.1% margin. Written premium climbed 26% to $86.7 million, and policies in force reached 295,000 with premium in force of $388.7 million.
The Board approved a stock repurchase program authorizing up to $100 million of Class A common stock buybacks with no set expiration. Management now expects full-year 2026 revenue of $195 million and an Adjusted EBITDA margin between 60% and 61%, reflecting confidence in sustained growth and profitability.
Neptune Insurance Holdings reported strong growth for 2025, with revenue rising 33.7% to $159.6 million and net income up 8.2% to $37.4 million, a 23.4% margin. Adjusted EBITDA increased 31.8% to $95.0 million, delivering a 59.5% margin.
Fourth quarter revenue grew 38.9% to $43.8 million, while net income fell to $4.3 million, down 62.6%, reflecting $4.6 million of IPO-related expenses and elevated non-cash share-based compensation. Q4 Adjusted EBITDA rose 34.3% to $25.9 million, and adjusted net income was $15.3 million.
Written premium grew 34% for the year to $367.3 million, premium in force reached $370.2 million, and policies in force rose 27% to 280,000. The company posted a Rule of 40 score of 93, with revenue per employee of $2.7 million and Adjusted EBITDA per employee of $1.6 million, highlighting its AI-driven, asset-light MGA model.
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.
Neptune Insurance Holdings Inc. (NP) adopted its second amended and restated certificate of incorporation and bylaws in connection with the closing of its initial public offering. The updates became effective on October 2, 2025, immediately prior to the IPO closing, as previously approved by the board and stockholders. The final prospectus dated September 30, 2025 (File No. 333-289995) includes a “Description of Capital Stock” outlining key provisions. The new charter and bylaws are filed as Exhibits 3.1 and 3.2. NP’s Class A common stock trades on the NYSE under the symbol NP.