Neptune Insurance Holdings Inc. (Neptune) reported Q4 2025 revenue of USD 43.8 million (+39%) and net income of USD 4.3 million (-63%), reflecting USD 4.6 million of IPO-related expenses. Q4 adjusted net income rose to USD 15.3 million (+25%), adjusted EBITDA increased to USD 25.9 million (+34%) with a 59% margin, and written premium grew to USD 100.3 million (+41%). The company also cited record quarterly new business sales. For FY 2025, Neptune posted revenue of USD 159.6 million (+34%) and net income of USD 37.4 million (+8%), including USD 13.1 million of IPO-related expenses. Adjusted net income rose to USD 56.9 million (+38%), adjusted EBITDA increased to USD 95.0 million (+32%) with a 60% margin, and written premium reached USD 367.3 million (+34%). Revenue per employee was USD 2.7 million (+15%) and adjusted EBITDA per employee was USD 1.6 million (+14%), alongside record annual new business sales.

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