NP
Neptune Insurance Holdings Inc.
Price Chart
Latest Quote
$29.72
+1.00 (+3.48%)
Current Price
| Previous Close | $28.72 |
| Open | $28.96 |
| Day High | $30.11 |
| Day Low | $28.19 |
| Volume | 358,839 |
Stock Information
| Shares Outstanding | 94.90M |
| Total Debt | $227.00M |
| Cash Equivalents | $10.54M |
| Revenue | $167.99M |
| Net Income | $-24.37M |
| Sector | Financial Services |
| Industry | Insurance Brokers |
| Market Cap | $4.11B |
| EPS (TTM) | $-0.18 |
| Exchange | NYQ |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $4.33B |
| Sales | $167.99M |
| Income | $-24.37M |
| Book/sh | $-1.54 |
| Cash/sh | $0.11 |
| Employees | 62 |
Financial Ratios
| Quick Ratio | 0.21 |
| Current Ratio | 1.01 |
| EPS Growth TTM | -26.10% |
Returns & Margins
| Gross Margin | 55.13% |
| Operating Margin | 35.56% |
| Profit Margin | 20.73% |
Ownership
| Insider Ownership | 27.13% |
| Institutional Ownership | 62.75% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 46.36 |
| P/S | 24.47 |
| P/B | -19.26 |
Analyst Data
| Recommendation | buy |
| Target Price | $30.42 |
Technical Indicators
| SMA20 | $27.08 |
| SMA50 | $27.13 |
| RSI | 74.63 |
| ATR | 1.3107 |
| Shares Float | 49.54M |
| Short Float | 2.87% |
| Short Ratio | 0.89 |
| Rel Volume | 0.52 |
Performance History
| Week | +7.84% |
| Month | +8.98% |
| Quarter | +35.40% |
| 6 Months | +1.40% |
| YTD | +6.94% |
| 10 Years | +19.84% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-23 | $29.72 | 358,839 |
| 2026-06-22 | $28.72 | 396,000 |
| 2026-06-18 | $29.24 | 545,600 |
| 2026-06-17 | $28.81 | 736,500 |
| 2026-06-16 | $27.93 | 452,400 |
| 2026-06-15 | $27.56 | 608,900 |
| 2026-06-12 | $27.40 | 430,300 |
| 2026-06-11 | $27.09 | 507,000 |
| 2026-06-10 | $26.95 | 871,700 |
| 2026-06-09 | $25.15 | 641,000 |
| 2026-06-08 | $24.62 | 485,200 |
| 2026-06-05 | $25.49 | 543,600 |
| 2026-06-04 | $24.08 | 1,191,800 |
| 2026-06-03 | $24.31 | 1,007,800 |
| 2026-06-02 | $25.08 | 1,130,100 |
| 2026-06-01 | $26.25 | 890,300 |
| 2026-05-29 | $28.07 | 690,800 |
| 2026-05-28 | $27.91 | 368,900 |
| 2026-05-27 | $28.33 | 588,100 |
| 2026-05-26 | $28.94 | 1,439,400 |
About Neptune Insurance Holdings Inc.
Neptune Insurance Holdings Inc., through its subsidiary, Neptune Flood Incorporated, operates as an insurance agency that engages in selling residential and commercial flood insurance policies on behalf of insurance carrier partners in the United States. The company offers primary and excess flood, parametric earthquake, and indemnity earthquake insurance through a network of agencies. Neptune Insurance Holdings Inc. was founded in 2016 and is based in Saint Petersburg, Florida.
đ° Latest News
A Look At Neptune Insurance Holdings (NP) Valuation After Its Recent Share Price Momentum
Simply Wall St. âĸ 2026-05-17T10:10:17Z
Assessing Neptune Insurance Holdings (NP) Valuation After Recent Share Price Weakness
Simply Wall St. âĸ 2026-05-01T18:16:03Z
Neptune Insurance Holdings Inc. (NP) Reports Q1 Earnings: What Key Metrics Have to Say
Zacks âĸ 2026-04-23T02:00:02Z
Neptune Insurance Holdings Inc. Q1 2026 Earnings Call Summary
Moby âĸ 2026-04-23T00:18:22Z
Analysts Bullish on Neptune Insurance Holdings (NP) Amid Insider Confidence
Insider Monkey âĸ 2026-03-31T17:50:13Z
Discover Precigen And 2 Other Insider-Favored Growth Stocks
Simply Wall St. âĸ 2026-03-27T11:35:53Z
FTV Management Builds $651 Million Position in Neptune Insurance Holdings, According to Recent SEC Filing
Motley Fool âĸ 2026-03-20T19:03:13Z
A Look At Neptune Insurance Holdings (NP) Valuation After Recent Share Price Rebound
Simply Wall St. âĸ 2026-02-23T03:14:34Z
Evercore ISI Reduces its Price Target on Neptune Insurance Holdings Inc. (NP) to $30 and Maintains an Outperform Rating
Insider Monkey âĸ 2026-02-22T02:36:31Z
Neptune Insurance Holdings Inc. (NP) Q4 Earnings: Taking a Look at Key Metrics Versus Estimates
Zacks âĸ 2026-02-19T14:30:04Z
Period:
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Revenue | |||
| Reconciled Cost Of Revenue | $65,947,000 | $40,069,000 | $30,361,000 |
| Cost Of Revenue | $65,947,000 | $40,069,000 | $30,361,000 |
| Total Revenue | $159,551,000 | $119,299,000 | $84,870,000 |
| Operating Revenue | $159,551,000 | $119,299,000 | $84,870,000 |
| Expenses | |||
| Interest Expense | $18,243,000 | $17,520,000 | $21,326,000 |
| Total Expenses | $79,683,000 | $50,853,000 | $39,439,000 |
| Other Income Expense | $-8,913,000 | $-5,426,000 | $-556,000 |
| Net Non Operating Interest Income Expense | $-17,320,000 | $-16,640,000 | $-21,018,000 |
| Interest Expense Non Operating | $18,243,000 | $17,520,000 | $21,326,000 |
| Operating Expense | $13,736,000 | $10,784,000 | $9,078,000 |
| General And Administrative Expense | $10,023,000 | $7,757,000 | $6,896,000 |
| Income & Earnings | |||
| Net Income From Continuing Operation Net Minority Interest | $37,413,000 | $34,592,000 | $17,886,000 |
| Net Interest Income | $-17,320,000 | $-16,640,000 | $-21,018,000 |
| Interest Income | $923,000 | $880,000 | $308,000 |
| Normalized Income | $43,634,274 | $38,639,796 | $18,302,843 |
| Net Income From Continuing And Discontinued Operation | $37,413,000 | $34,592,000 | $17,886,000 |
| Total Operating Income As Reported | $70,955,000 | $68,446,000 | $45,431,000 |
| Net Income Common Stockholders | $-27,195,000 | $14,719,000 | $9,751,000 |
| Net Income | $37,413,000 | $34,592,000 | $17,886,000 |
| Net Income Including Noncontrolling Interests | $37,413,000 | $34,592,000 | $17,886,000 |
| Net Income Continuous Operations | $37,413,000 | $34,592,000 | $17,886,000 |
| Pretax Income | $53,635,000 | $46,380,000 | $23,857,000 |
| Special Income Charges | $-8,913,000 | $-5,426,000 | $-556,000 |
| Interest Income Non Operating | $923,000 | $880,000 | $308,000 |
| Operating Income | $79,868,000 | $68,446,000 | $45,431,000 |
| Depreciation Amortization Depletion Income Statement | $3,713,000 | $3,027,000 | $2,182,000 |
| Depreciation And Amortization In Income Statement | $3,713,000 | $3,027,000 | $2,182,000 |
| Amortization Of Intangibles Income Statement | $3,713,000 | $3,027,000 | $2,182,000 |
| Gross Profit | $93,604,000 | $79,230,000 | $54,509,000 |
| Per Share | |||
| Diluted EPS | $-0.26 | $0.11 | $0.07 |
| Basic EPS | $-0.26 | $0.11 | $0.07 |
| Other | |||
| Tax Effect Of Unusual Items | $-2,691,726 | $-1,378,204 | $-139,157 |
| Tax Rate For Calcs | $0 | $0 | $0 |
| Normalized EBITDA (Bullshit earnings) | $84,504,000 | $72,353,000 | $47,921,000 |
| Total Unusual Items | $-8,913,000 | $-5,426,000 | $-556,000 |
| Total Unusual Items Excluding Goodwill | $-8,913,000 | $-5,426,000 | $-556,000 |
| Reconciled Depreciation | $3,713,000 | $3,027,000 | $2,182,000 |
| EBITDA (Bullshit earnings) | $75,591,000 | $66,927,000 | $47,365,000 |
| EBIT | $71,878,000 | $63,900,000 | $45,183,000 |
| Diluted Average Shares | $104,502,838 | $135,200,000 | $135,200,000 |
| Basic Average Shares | $104,502,838 | $135,200,000 | $135,200,000 |
| Diluted NI Availto Com Stockholders | $-27,195,000 | $14,719,000 | $9,751,000 |
| Otherunder Preferred Stock Dividend | $10,438,000 | $19,873,000 | $8,135,000 |
| Preferred Stock Dividends | $54,170,000 | - | - |
| Tax Provision | $16,222,000 | $11,788,000 | $5,971,000 |
| Other Special Charges | $8,913,000 | $5,426,000 | $556,000 |
| Amortization | $3,713,000 | $3,027,000 | $2,182,000 |
| Selling General And Administration | $10,023,000 | $7,757,000 | $6,896,000 |
| Other Gand A | $10,023,000 | $7,757,000 | $6,896,000 |
Fetched: 2026-06-22
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Assets | |||
| Net Tangible Assets | $-237,783,000 | $-135,540,000 | $-169,741,000 |
| Total Assets | $65,299,000 | $48,152,000 | $41,668,000 |
| Total Non Current Assets | $12,837,000 | $12,927,000 | $11,808,000 |
| Non Current Deferred Assets | $2,548,000 | $2,902,000 | $2,470,000 |
| Non Current Deferred Taxes Assets | $802,000 | $2,803,000 | $2,191,000 |
| Goodwill And Other Intangible Assets | $10,289,000 | $10,025,000 | $9,338,000 |
| Other Intangible Assets | $6,496,000 | $6,232,000 | $5,545,000 |
| Current Assets | $52,462,000 | $35,225,000 | $29,860,000 |
| Other Current Assets | $1,309,000 | $452,000 | $664,000 |
| Restricted Cash | $32,512,000 | $20,971,000 | $16,187,000 |
| Receivables | $10,605,000 | $6,708,000 | $4,876,000 |
| Other Receivables | $5,375,000 | $4,096,000 | $3,473,000 |
| Taxes Receivable | $1,150,000 | $0 | $462,000 |
| Accounts Receivable | $4,080,000 | $2,612,000 | $941,000 |
| Cash Cash Equivalents And Short Term Investments | $8,036,000 | $7,094,000 | $8,133,000 |
| Cash And Cash Equivalents | $8,036,000 | $7,094,000 | $8,133,000 |
| Debt | |||
| Net Debt | $231,964,000 | $126,557,000 | $166,730,000 |
| Total Debt | $240,000,000 | $133,651,000 | $174,863,000 |
| Long Term Debt And Capital Lease Obligation | $240,000,000 | $125,101,000 | $172,963,000 |
| Long Term Debt | $240,000,000 | $125,101,000 | $172,963,000 |
| Current Debt And Capital Lease Obligation | - | $8,550,000 | $1,900,000 |
| Current Debt | - | $8,550,000 | $1,900,000 |
| Liabilities | |||
| Total Liabilities Net Minority Interest | $292,793,000 | $173,667,000 | $202,071,000 |
| Total Non Current Liabilities Net Minority Interest | $240,000,000 | $125,101,000 | $172,963,000 |
| Current Liabilities | $52,793,000 | $48,566,000 | $29,108,000 |
| Current Deferred Liabilities | $18,941,000 | $11,810,000 | $8,399,000 |
| Payables And Accrued Expenses | $33,852,000 | $28,206,000 | $18,809,000 |
| Payables | $32,875,000 | $27,731,000 | $18,747,000 |
| Other Payable | $18,946,000 | $13,257,000 | $11,261,000 |
| Total Tax Payable | $0 | $4,781,000 | $90,000 |
| Income Tax Payable | $0 | $4,781,000 | $90,000 |
| Accounts Payable | $13,929,000 | $9,693,000 | $7,396,000 |
| Other Current Liabilities | - | $11,810,000 | $8,399,000 |
| Equity | |||
| Common Stock Equity | $-227,494,000 | $-365,988,000 | $-387,602,000 |
| Total Equity Gross Minority Interest | $-227,494,000 | $-125,515,000 | $-160,403,000 |
| Stockholders Equity | $-227,494,000 | $-125,515,000 | $-160,403,000 |
| Retained Earnings | $-514,351,000 | $-366,325,000 | $-387,643,000 |
| Preferred Stock Equity | - | $240,473,000 | $227,199,000 |
| Preferred Securities Outside Stock Equity | - | $240,473,000 | $227,199,000 |
| Other | |||
| Ordinary Shares Number | $138,153,530 | $135,200,000 | $135,200,000 |
| Share Issued | $138,153,530 | $135,200,000 | $135,200,000 |
| Tangible Book Value | $-237,783,000 | $-376,013,000 | $-396,940,000 |
| Invested Capital | $12,506,000 | $-232,337,000 | $-212,739,000 |
| Working Capital | $-331,000 | $-13,341,000 | $752,000 |
| Total Capitalization | $12,506,000 | $-414,000 | $12,560,000 |
| Additional Paid In Capital | $286,856,000 | $337,000 | $41,000 |
| Capital Stock | $1,000 | $240,474,000 | $227,200,000 |
| Common Stock | $1,000 | $0 | $0 |
| Preferred Stock | $0 | $240,473,000 | $227,199,000 |
| Current Deferred Revenue | $18,941,000 | $11,810,000 | $8,399,000 |
| Current Accrued Expenses | $977,000 | $475,000 | $62,000 |
| Goodwill | $3,793,000 | $3,793,000 | $3,793,000 |
Fetched: 2026-06-22
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Free Cash Flow | |||
| Free Cash Flow | $47,693,000 | $46,213,000 | $14,617,000 |
| Operating Activities | |||
| Operating Cash Flow | $51,670,000 | $49,926,000 | $18,647,000 |
| Cash Flow From Continuing Operating Activities | $51,670,000 | $49,926,000 | $18,647,000 |
| Operating Gains Losses | - | $5,426,000 | $556,000 |
| Investing Activities | |||
| Capital Expenditure | $-3,977,000 | $-3,713,000 | $-4,030,000 |
| Investing Cash Flow | $-3,977,000 | $-3,713,000 | $-4,030,000 |
| Cash Flow From Continuing Investing Activities | $-3,977,000 | $-3,713,000 | $-4,030,000 |
| Financing Activities | |||
| Repurchase Of Capital Stock | $0 | $0 | $-10,000,000 |
| Issuance Of Capital Stock | $0 | $0 | $229,064,000 |
| Financing Cash Flow | $-35,210,000 | $-42,468,000 | $-9,866,000 |
| Cash Flow From Continuing Financing Activities | $-35,210,000 | $-42,468,000 | $-9,866,000 |
| Net Other Financing Charges | $19,076,000 | $1,057,000 | $1,443,000 |
| Cash Dividends Paid | $-175,000,000 | $0 | $-339,023,000 |
| Common Stock Dividend Paid | $-175,000,000 | $0 | $-339,023,000 |
| Net Preferred Stock Issuance | $0 | $0 | $219,064,000 |
| Preferred Stock Issuance | $0 | $0 | $219,064,000 |
| Net Common Stock Issuance | $0 | $0 | $0 |
| Common Stock Issuance | $0 | $0 | $10,000,000 |
| Other | |||
| Repayment Of Debt | $-447,000,000 | $-214,525,000 | $-81,350,000 |
| Issuance Of Debt | $552,000,000 | $171,000,000 | $190,000,000 |
| Interest Paid Supplemental Data | $17,131,000 | $17,067,000 | $20,098,000 |
| Income Tax Paid Supplemental Data | $20,152,000 | $7,310,000 | $8,599,000 |
| End Cash Position | $40,548,000 | $28,065,000 | $24,320,000 |
| Beginning Cash Position | $28,065,000 | $24,320,000 | $19,569,000 |
| Changes In Cash | $12,483,000 | $3,745,000 | $4,751,000 |
| Proceeds From Stock Option Exercised | $15,714,000 | $0 | $0 |
| Common Stock Payments | $0 | $0 | $-10,000,000 |
| Net Issuance Payments Of Debt | $105,000,000 | $-43,525,000 | $108,650,000 |
| Net Long Term Debt Issuance | $105,000,000 | $-43,525,000 | $108,650,000 |
| Long Term Debt Payments | $-447,000,000 | $-214,525,000 | $-81,350,000 |
| Long Term Debt Issuance | $552,000,000 | $171,000,000 | $190,000,000 |
| Net Intangibles Purchase And Sale | $-3,977,000 | $-3,713,000 | $-4,030,000 |
| Purchase Of Intangibles | $-3,977,000 | $-3,713,000 | $-4,030,000 |
| Change In Working Capital | $-3,509,000 | $6,292,000 | $-1,053,000 |
| Change In Payables And Accrued Expense | $-34,000 | $7,400,000 | $437,000 |
| Change In Accrued Expense | $511,000 | $413,000 | $-1,583,000 |
| Change In Payable | $-545,000 | $6,987,000 | $2,020,000 |
| Change In Account Payable | $4,236,000 | $2,296,000 | $2,074,000 |
| Change In Tax Payable | $-4,781,000 | $4,691,000 | $-54,000 |
| Change In Income Tax Payable | $-4,781,000 | $4,691,000 | $-54,000 |
| Change In Prepaid Assets | $-857,000 | $212,000 | $-274,000 |
| Change In Receivables | $-2,618,000 | $-1,209,000 | $-903,000 |
| Changes In Account Receivables | $-1,468,000 | $-1,671,000 | $-491,000 |
| Other Non Cash Items | $632,000 | $905,000 | $1,228,000 |
| Stock Based Compensation | $11,420,000 | $296,000 | $41,000 |
| Deferred Tax | $2,001,000 | $-612,000 | $-2,193,000 |
| Deferred Income Tax | $2,001,000 | $-612,000 | $-2,193,000 |
| Depreciation Amortization Depletion | $3,713,000 | $3,027,000 | $2,182,000 |
| Depreciation And Amortization | $3,713,000 | $3,027,000 | $2,182,000 |
| Amortization Cash Flow | $3,713,000 | $3,027,000 | $2,182,000 |
| Amortization Of Intangibles | $3,713,000 | $3,027,000 | $2,182,000 |
| Net Income From Continuing Operations | $37,413,000 | $34,592,000 | $17,886,000 |
| Change In Other Working Capital | - | $-111,000 | $-313,000 |
Fetched: 2026-06-22