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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}