{"filings":[{"id":3568720,"accession_number":"0001628280-26-066494","cik":2067129,"company_name":"Neptune Insurance Holdings Inc.","ticker":"NP","form_type":"8-K","filed_at":"2026-10-20T20:15:51+00:00","items":["2.02","5.02","9.01"],"status":"ready","headline":"Neptune Insurance Q3 revenue up 34% to $59.6M, net income $17.3M; CFO Steiner to exit after 2026 10-K","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q3 revenue $59.6M vs $44.4M a year ago (+34%); net income $17.3M (+50%) at a 29% margin; diluted EPS $0.12, adjusted diluted EPS $0.17.","Adjusted EBITDA $36.8M (+38%) at a 61.7% margin; adjusted net income $24.3M (+52%); written premium $132.7M (+31%) on record new business sales.","Raises FY2026 revenue outlook to $204M with Adjusted EBITDA margin above 61%; sets initial 2027 guidance of $238M revenue at a 61% margin.","Premium in force $450.3M (+32%), policies in force 336,300 (+29%); paid down $25M of revolver debt in Q3, leaving $215M outstanding at 1.7x net leverage.","CFO Jim Steiner resigned effective after the FY2026 10-K; director Cristian Melej, CFO of Hingham Institution for Savings (HIFS), succeeds him."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":3945197604.240028,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":"2026-10-20","daily_digest_url":"/daily/2026-10-20","daily_digest_rank":7},{"id":3236476,"accession_number":"0001628280-26-064575","cik":2067129,"company_name":"Neptune Insurance Holdings Inc.","ticker":"NP","form_type":"8-K/A","filed_at":"2026-10-02T20:41:04+00:00","items":["9.01"],"status":"ready","headline":"Neptune Insurance Holdings appoints David Noble as independent director effective September 30, 2026","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["David Noble founded VIEW Advisors, advises CEOs and boards, and is a senior advisor to Egon Zehnder and the Institute of Coaching, a Harvard Medical School affiliate.","Noble was previously a senior executive at RBC and Morgan Stanley, where he was head of strategy, CEO of the world's first digital retail bank and head of the first digital brokerage.","He also served on executive committees at Kearney and Oliver Wyman, the management advisory board of TowerBrook Capital Partners, and boards of Wilton Brands and SFNB Bank.","CEO Trevor Burgess said he has known Noble for more than 25 years and called him a terrific addition to the board ahead of 'so much incredible work ahead.'"],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":3945197604.240028,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":3189322,"accession_number":"0001628280-26-064028","cik":2067129,"company_name":"Neptune Insurance Holdings Inc.","ticker":"NP","form_type":"8-K","filed_at":"2026-09-30T21:32:24+00:00","items":["5.02","7.01","9.01"],"status":"ready","headline":"Neptune Insurance Holdings expands board to seven, elects David Noble as Class I director","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Board increased from six to seven directors and elected David Noble effective September 30, 2026; he will serve as a Class I director with term expiring at 2029 annual meeting.","Noble receives RSU award covering 28,704 Class A shares under 2025 Equity Incentive Plan; one third vests September 30, 2027, remaining two thirds quarterly thereafter.","Board determined Noble is independent under SEC and NYSE rules; committee assignments not yet determined.","Noble entered standard indemnification agreement; no arrangements or understandings with other persons and no family relationships with directors or officers.","Press release announcing Noble's election furnished as Exhibit 99.1, dated September 30, 2026."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.35,"calibrated_materiality_score":0.35,"market_cap_usd":3945197604.240028,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":1775557,"accession_number":"0001628280-26-048999","cik":2067129,"company_name":"Neptune Insurance Holdings Inc.","ticker":"NP","form_type":"8-K","filed_at":"2026-07-21T20:13:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Neptune Insurance Q2 revenue $55.9M (+33%), Adj. EBITDA $34.5M (+36.5%), raises FY outlook","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q2 revenue $55.9M (record, +33% YoY); net income $15.8M (+36%); adjusted EBITDA $34.5M (+36.5%)","Written premium $126.9M (+31% YoY); lifetime written loss ratio improved to 19.5% from 24.7% a year ago","Raised FY2026 guidance: revenue ~$199M (+25% YoY), adjusted EBITDA margin 60-61%","Repurchased 1.22M shares in Q2; debt $240M, net leverage 2.1x; subsequent paydown $7M","Renewed two largest capacity programs on improved terms; capacity partners now 45; launched commercial/condo earthquake products"],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":3945197604.240028,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":777960,"accession_number":"0001628280-26-039469","cik":2067129,"company_name":"Neptune Insurance Holdings Inc.","ticker":"NP","form_type":"8-K","filed_at":"2026-06-01T20:07:58+00:00","items":["5.07"],"status":"ready","headline":"Neptune Insurance stockholders re-elect Burgess and Carlon as directors, ratify PwC as auditor","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Trevor Burgess and Jonathan Carlon re-elected as Class I directors for three-year term ending 2029; each received ~465.8M votes in favor.","Ratification of PricewaterhouseCoopers LLP as independent auditor for FY2026: 475,278,678 for, 3,631 against, 45,991 abstain.","Total voting power represented: 98,185,114 shares (~71% of outstanding) at the May 28, 2026 annual meeting."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":3945197604.240028,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":97541,"accession_number":"0001628280-26-026558","cik":2067129,"company_name":"Neptune Insurance Holdings Inc.","ticker":"NP","form_type":"8-K","filed_at":"2026-04-22T23:59:59+00:00","items":["2.02","8.01","9.01"],"status":"ready","headline":"Neptune Q1 revenue +29% to $37.8M, adj. EBITDA +26%; raises FY guidance; authorizes $100M buyback","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q1 2026 revenue $37.8M (+29% YoY); net income $7.3M (-26%) on $6.9M stock-based comp; adj. net income $13.4M (+21%).","Adjusted EBITDA $21.6M (+26%); margin 57.1%. Full-year 2026 guidance raised: revenue $195M, adj. EBITDA margin 60-61%.","Board approved $100M stock repurchase program for Class A common, no expiration date.","Written premium $86.7M (+26% YoY); premium in force $389M (+32%); policies in force 295,000 (+28%).","Operating cash flow $16.7M (from $14.3M); debt reduced $13M to $227.0M; net leverage 2.2x."],"consensus_eps_estimate":null,"consensus_eps_actual":0.05,"consensus_revenue_estimate":null,"consensus_revenue_actual":37795000.0,"consensus_period":"2026-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":3945197604.240028,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":112428,"accession_number":"0002067129-26-000003","cik":2067129,"company_name":"Neptune Insurance Holdings Inc.","ticker":"NP","form_type":"8-K","filed_at":"2026-02-18T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Neptune Insurance Q4 revenue +39% to $43.8M; adjusted net income +25% to $15.3M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 GAAP net income $4.3M (-63% YoY) due to $4.6M IPO-related costs; adjusted net income $15.3M (+25%).","Full-year 2025 revenue $159.6M (+34%); adjusted EBITDA $95.0M (+32%) at 60% margin.","Written Premium Q4 $100.3M (+41%); full-year $367.3M (+34%); policies in force +27% to 280,200.","Policy retention improved 180bps to 86.1%; revenue retention +100bps to 91.7%.","Refinanced term loans into $260M revolver ($240M drawn); operating cash flow $49.8M."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.26,"consensus_revenue_estimate":null,"consensus_revenue_actual":159551000.0,"consensus_period":"2025-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":3945197604.240028,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":129015,"accession_number":"0001213900-25-109245","cik":2067129,"company_name":"Neptune Insurance Holdings Inc.","ticker":"NP","form_type":"8-K","filed_at":"2025-11-12T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Neptune Insurance Q3 revenue up 31% to $44.4M, adj. EBITDA margin 60%; refinances debt to $260M revolver","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Revenue $44.4M (+31.2% YoY), net income $11.5M (-4.8% due to $5M IPO expenses), Adj. EBITDA $26.7M (+28.6%).","Written Premium $101.6M (+30.7%), Policy Retention 86.2%, Premium Retention 98.7%.","Post-quarter refinanced debt into $260M revolving facility, $251M outstanding, lower rate, no required amortization.","Full-year 2026 guidance: revenue $186-189M, Adj. EBITDA margin 60-61%.","Record new business sales; added 6 reinsurers to new program (now 39 providers across 7 programs)."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.34,"consensus_revenue_estimate":null,"consensus_revenue_actual":115784000.0,"consensus_period":"2025-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":3945197604.240028,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":129014,"accession_number":"0001213900-25-097037","cik":2067129,"company_name":"Neptune Insurance Holdings Inc.","ticker":"NP","form_type":"8-K","filed_at":"2025-10-07T23:59:59+00:00","items":["5.03","9.01"],"status":"ready","headline":"Neptune Insurance Holdings closes IPO, adopts amended governing documents","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["IPO closed on October 2, 2025; charter and bylaws amendments effective at closing.","Second amended and restated certificate of incorporation filed with Delaware.","Board and stockholders previously approved amendments for IPO closing.","Full description of capital stock and provisions in September 30, 2025 prospectus."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":3945197604.240028,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null}],"next_cursor":null}