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Visual24 Oct 2025
The rise of Alphabet
Neptune Insurance (NP) investor relations material
Neptune Insurance IPO Filing summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.IPO Filing summary26 Sep, 2025
Company overview and business model
Operates as a data-driven MGA focused on residential and commercial flood insurance, leveraging proprietary AI and ML for underwriting and policy management.
Distributes products through a nationwide agency network, with 96% of sales via agents and brokers, and does not assume balance sheet insurance risk or claims handling.
Offers primary and excess flood insurance, as well as parametric earthquake insurance, with a technology-first, fee-based revenue model.
Maintains relationships with 33 capacity providers, including 26 reinsurers, supporting 7 insurance programs, and has a high policy and premium retention rate.
Proprietary platforms Triton (underwriting) and Poseidon (policy management) process over 20,000 quotes daily, with 1.1 million policies bound since inception.
Financial performance and metrics
For the year ended December 31, 2024: $119.3M revenue, $34.6M net income, $72.1M Adjusted EBITDA, 29.0% net income margin, and 60.4% Adjusted EBITDA margin.
For the six months ended June 30, 2025: $71.4M revenue, $21.6M net income, $42.4M Adjusted EBITDA, 30.2% net income margin, and 59.3% Adjusted EBITDA margin.
Premium in force grew from $4.4M in 2018 to $277.6M at year-end 2024, with a CAGR of 99%.
Lifetime written loss ratio of 24.7% through June 30, 2025, outperforming the NFIP and industry averages.
High operational efficiency: $2.5M revenue per employee and $1.5M Adjusted EBITDA per employee for the twelve months ended June 30, 2025.
Use of proceeds and capital allocation
No proceeds from the IPO will go to the company; all shares are sold by existing stockholders.
Selling stockholders will reimburse the company for certain offering expenses up to 2% of gross proceeds.
Company intends to retain future earnings to repay debt and fund business operations and expansion.
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