Changes in Beneficial Ownership · 4
Neptune Insurance Holdings Inc.
NPNYSEEQUITYCurrent
Changes in Beneficial Ownership
Structured filing — 4
wk-form4_1790973945.xml
Filing details
- Report period
- 2026-09-30
- Issuer
- Neptune Insurance Holdings Inc.
- Issuer CIK
- 0002067129
- Trading symbol
- NP
Reporting owner 1
- Name
- Melej Cristian A
- Reporting owner CIK
- 0001613251
- Relationship
- Director
- Address
- C/O NEPTUNE INSURANCE HOLDINGS INC., 400 6TH ST S STE 2, SAINT PETERSBURG, FL, 33701
Non-derivative transactions
| Security | Transaction date | Code | Amount | A / D | Price (USD) | Owned after | Ownership |
|---|---|---|---|---|---|---|---|
| Class A Common Stock | 2026-09-30 | A · Form 4 | 9,568[F1] | A | 0 | 69,042[F2][F3] | D |
Table key
- A · Form 4
- Acquisition by grant, award or otherwise under Rule 16b-3(d)
- A
- Acquired
- D
- Direct
Footnotes
- F1
- Represents shares of Class A Common Stock underlying an award of time-based restricted stock units granted on September 30, 2026. The restricted stock units vest in four quarterly installments of 2,392 shares each on the last day of each calendar quarter from December 31, 2028 through September 30, 2029, in each case subject to the continuous service of the Reporting Person through the applicable vesting date.↩ 1
- F2
- Includes 26,316 shares of Class A Common Stock underlying an award of time-based restricted stock units, as amended, which remain held directly by the Reporting Person. The restricted stock units vested as to 13,158 shares on September 30, 2026 and vest as to the remaining 26,316 shares in eight quarterly installments of 3,289 or 3,290 shares each on the last day of each calendar quarter thereafter through September 30, 2028, in each case subject to the continuous service of the Reporting Person through the applicable vesting date.↩ 1
- F3
- Includes 9,568 shares of Class A Common Stock underlying the award of time-based restricted stock units reported on this Form 4.↩ 1
Signature 1
- Signed
- /s/ James Steiner, as Attorney-in-Fact
- Date
- 2026-10-02
Company context
Neptune is a leading, high-growth, highly profitable, data-driven managing general agent that is revolutionizing the way homeowners and businesses protect against the growing risks of flooding. We offer a range of easy-to-purchase residential and commercial insurance products — including primary flood insurance, excess flood insurance, and parametric earthquake insurance — distributed through a nationwide network of agencies. Neptune does not take any balance sheet insurance risk or have claims handling responsibility relating to the policies we sell. We underwrite and administer the issuance of insurance policies on behalf of a diverse panel of insurance and reinsurance companies, whom we refer to as capacity providers, that manage both this risk and the associated claims handling. From day one, we have built our business on a foundation of advanced data science and AI, leveraging proprietary ML algorithms, which has led to superior underwriting results, outsized growth, recurring revenue, and robust margins, including delivering a lifetime written loss ratio of just 24.7% to our capacity providers from our inception through June 30, 2025. In addition, for the year ended December 31, 2024, we achieved 40.6% organic revenue growth, 29.0% net income margin, and 60.4% Adjusted EBITDA margin and for the six months ended June 30, 2025, we achieved 32.3% organic revenue growth, 30.2% net income margin and 59.3% Adjusted EBITDA margin.