Neptune Insurance Holdings Inc. reported record second quarter 2026 financial results, with revenue increasing 32.8% year-over-year to $55.9 million. Net income rose 35.9% to $15.8 million, while adjusted net income grew 55.3% to $22.6 million. Adjusted EBITDA reached a record $34.5 million, representing a 36.5% increase and a 61.7% margin. Written premium grew 31% to $126.9 million, and the lifetime written loss ratio improved to 19.5%. Based on these results, the company raised its full-year 2026 revenue guidance to $199 million and expects an adjusted EBITDA margin between 60% and 61%. Neptune Insurance Holdings is an insurance technology company providing AI-native flood insurance products.