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Edge20 Feb 2026
Dollar General: The Rural Retailer Playbook
How Dollar General built a small-box empire across rural America, scaling value and convenience into one of retail's most durable business models.
Neptune Insurance
Neptune Insurance (NP) investor relations material
Neptune Insurance Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary18 Feb, 2026
Executive summary
Achieved record Q4 and full-year 2025 results, with revenue growing 39% in Q4 to $43.8M and 34% for the year to $159.6M, driven by an AI-powered, asset-light platform and expanded capacity partnerships.
Adjusted EBITDA grew 34% in Q4 to $25.9M (59.2% margin) and 32% for the year to $95.0M (59.5% margin), reflecting operational efficiency.
Successfully navigated a federal government shutdown, maintaining uninterrupted service and onboarding new agents, contributing to record new business sales.
Completed transition to a public company, with IPO-related expenses impacting net income.
Launched a beta indemnity earthquake product, signaling expansion into adjacent markets.
Financial highlights
Q4 2025 revenue was $43.8M, up 39% YoY; full-year revenue reached $159.6M, up 34%.
Q4 net income was $4.3M (10% margin), down 63% due to IPO-related expenses; adjusted net income was $15.3M, up 25%.
Q4 adjusted EBITDA was $25.9M (59.2% margin), up 34% YoY; full-year adjusted EBITDA was $95.0M (59.5% margin), up 32%.
Written premium for Q4 was $100.3M, up 41% YoY; full-year written premium was $367.3M, up 34%.
Revenue per employee was $2.7M, and adjusted EBITDA per employee was $1.6M, both up over 14%.
Outlook and guidance
Increased 2026 guidance: revenue expected at $193M, with adjusted EBITDA margin between 60% and 61%.
Entering 2026 with a diversified capacity panel, proprietary data advantage, and flexible distribution.
Continued focus on profitable growth, operational efficiency, and disciplined capital allocation, with flexibility to invest in growth or return capital to shareholders.
Nature of Q4 net income adjustments
Triton® platform's impact on underwriting
Is share-based comp increase one-time?
Expected margin expansion from AI
2026 earthquake market potential?
Impact of NFIP subsidy burn-off on growth
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Next Neptune Insurance earnings date
Q1 20266 May, 2026
Neptune Insurance
Next Neptune Insurance earnings date
Q1 20266 May, 2026
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