Neptune Insurance Holdings Earnings Call Transcripts
Fiscal Year 2026
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Record Q1 results with 29% revenue growth and strong profitability driven by AI-powered innovations and agent network expansion. Full-year guidance raised to $195M revenue and 60%-61% EBITDA margin, with a $100M stock repurchase program announced.
Fiscal Year 2025
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Delivered record Q4 and 2025 results with 39% revenue growth and 60%+ EBITDA margins, driven by AI-powered underwriting, expanded capacity, and strong agent distribution. Raised 2026 guidance and maintained high retention, while prioritizing debt reduction and capital flexibility.
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Q3 2025 saw record revenue and profitability, driven by strong new business and retention, with 2026 guidance targeting $186–$189 million in revenue and a 60–61% EBITDA margin. The company expanded nationwide, added new capacity partners, and benefited from NFIP disruptions.