NYSE$NP

Neptune Insurance Holdings Inc · Q4 2025 earnings

Q4 2025 earnings · · After market close

Briefing

Neptune Insurance reported Q4 2025, revenue of $43.8M, net income of $4.3M.

For Q4 2025, Neptune Insurance reported revenue of $43.8M, net income of $4.3M. Management discusses segment performance, capital allocation, and outlook in the earnings release.

  • Revenue $43.8M.
  • Net income $4.3M.
  • Neptune Insurance highlights liquidity, operations, and 2026 priorities.

Headline financials

Total Revenue

$43.8M

No prior period
EPS (adj)

$0.10

No prior period
Written Premium Growth

41.0%

No prior period
Net Income Margin

9.9%

No prior period
FY Revenue Growth

34.0%

No prior period
FY Net Income Growth

8.0%

No prior period
FY Adjusted Net Income Growth

38.0%

No prior period
FY Adjusted EBITDA Growth

32.0%

No prior period
FY Written Premium Growth

34.0%

No prior period
FY Revenue per Employee Growth

15.0%

No prior period
FY Adjusted EBITDA per Employee Growth

14.0%

No prior period
FY Average Number of Employees

60

No prior period
FY Revenue per Employee

$2.66M

No prior period
FY Adjusted EBITDA per Employee

$1.58M

No prior period
Revenue Growth

39.0%

No prior period
Net Income Decrease

63.0%

No prior period
Adjusted Net Income Growth

25.0%

No prior period
Adjusted EBITDA Growth

34.0%

No prior period
Adjusted EBITDA Margin

59.0%

No prior period
Net Income

$4.34M

No prior period
Operating Income

$21.7M

No prior period

Revenue & EPS history

Neptune Insurance Holdings Inc · Revenue · Quarterly

$43.8M

Q4 2025
Beat estimate in 2 of 2 quarters(100%)
ActualEstimate

Forward guidance

The release discusses Neptune Insurance's outlook for upcoming periods, including capital allocation, operating priorities, and market risks, without relying solely on numeric EPS bridges.

Tailwinds

  • Neptune Insurance cites operational execution and demand trends supporting the outlook.
  • Balance sheet and liquidity actions aim to fund growth and returns.

Headwinds

  • Macro, pricing, and input-cost volatility could pressure margins.
  • Segment mix and one-time items may affect quarter-to-quarter comparability.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 3 quarterly earnings reports · overlaid with Q4 2025

Historical avgQ4 2025

+3.9%

Avg return

Earnings day

+0.2%

Avg return

5 days after

+9.2%

Avg return

30 days after

67%

2 / 3 earnings

Positive

+12.7%

Q4 2025

Best reaction

-1.8%

Q3 2025

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026+0.8%-4.8%-0.9%
Q4 2025+12.7%+12.5%+20.4%
Q3 2025-1.8%-7.1%+8.2%

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