earnings
confidence high
sentiment positive
materiality 0.75
Neptune Insurance Q4 revenue +39% to $43.8M; adjusted net income +25% to $15.3M
Neptune Insurance Holdings Inc.
2025-FY EPS reported
-$0.26
revenue$159,551,000
- 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.