Neptune Insurance Holdings Inc.
NP NYSE· Insurance Agents, Brokers & Service
Last close · Oct 27, 2026
$29.47
KIRA · Stoqly’s AI analyst, in plain words
- Neptune Insurance Holdings Inc. had $160M of revenue in fiscal 2025, up 33.7% on the year before.
- Its operating margin was 44.5%, down 12.9 pts: of every 100 in sales, about 44 is left after running the business.
- Neptune Insurance Holdings Inc. made $37.4M of net profit in fiscal 2025.
- Neptune Insurance Holdings Inc. has $8.0M more cash than debt.
Market cap
$4.3B
P/E
73.7x
Revenue
$160M
Net income
$37.4M
Free cash flow
—
Operating margin
44.5%
Neptune Insurance Holdings Inc. in 30 seconds · fiscal 2025
Are sales growing?
+33.7%
Yes. Sales grew 33.7% last year.
Does it make a profit?
23.4%
Yes. It keeps 23.4% of every sale as profit.
How healthy are the accounts?
5 / 8
Mixed. It passes 5 of 8 health tests.
How is the share priced?
73.7x
One share costs 73.7 times its yearly profit per share.
What Neptune Insurance Holdings Inc. does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Feb 26, 2026
- Legal name
- Neptune Insurance Holdings Inc.
- CIK
- 0002067129
Neptune Insurance Holdings Inc. · NP
Results and finances
The last 3 fiscal years. Amounts in USD.
| Fiscal year | FY23 | FY24 | FY25 |
|---|---|---|---|
| Sales and profit | |||
| Revenue | $84.9M | $119M | $160M |
| Revenue growth | — | 40.6% | 33.7% |
| Operating margin | 53.5% | 57.4% | 44.5% |
| Net income | $17.9M | $34.6M | $37.4M |
| Net margin | 21.1% | 29.0% | 23.4% |
| Diluted EPS | $0.10 | $0.16 | −$0.26 |
| Cash | |||
| Cash from operations | $18.6M | $49.9M | $51.7M |
| Share count change | — | −0.2% | 11.9% |
| Debt and strength | |||
| Cash and short-term investments | $24.3M | $7.1M | $8.0M |
| Debt incl. finance leases | — | $125M | $0.0M |
| Deposits | — | $11.8M | — |
| Shareholders' equity | −$388M | −$366M | −$227M |
| Current ratio | — | 0.7x | 1.0x |
| Interest coverage | 2.1x | 3.9x | 3.9x |
| Returns and quality | |||
| Piotroski F-score | — | — | 5 |
| Altman Z'' | — | −19.3 | −19.2 |
Insiders bought, 12 months
$1.4M
2 insiders
Insiders sold, 12 months
$424M
6 insiders
Of sales under plans
1%
$4.6M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Operating margin:
- Operating income as a share of revenue.
- Net income:
- Profit after all expenses, interest and tax.
- Free cash flow:
- Cash from operations minus capital spending.
- Net debt / EBITDA:
- Years of EBITDA needed to pay off net debt. Below zero means more cash than debt.
- Return on capital:
- After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.
Neptune Insurance Holdings Inc. · NP
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Margins, % of revenue
Cash vs debt (incl. leases)
Free cash flow
Dividends and buybacks
KIRA
At $29.47 a share, the company is worth $4.3B: 73.7 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0002067129). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.