_id

6921fcfdb93c8af7a3933873

Ticker

NP

Name

Neptune Insurance Holdings Inc.

Exchange

NYSE

Address

400 6th Street S., Saint Petersburg, FL, United States, 33701

Country

USA

Sector

Financial Services

Industry

Insurance Brokers

Currency

USD

Website

https://investors.neptuneflood.com

Description

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. IT offer primary flood insurance, excess flood insurance, and parametric earthquake insurance through a network of agencies. The company was founded in 2016 and is based in Saint Petersburg, Florida.

Last Close

29.19

Volume

889561

Current Price

26.69

Change

-1.37

Last Updated

2026-01-05T11:36:04.129Z

Image

https://logo.clearbit.com/investors.neptuneflood.com

Ipo Date

2025-10-01T00:00:00.000Z

Market Cap

3432930304

Next Dividend Date

-

Dividend Frequency

-

Dividend Rate

-

Dividend Yield

0

Sentiment

-

Sentiment Sources

0

Rating

3.42

Strong Buy

2

Buy

4

Hold

4

Sell

1

Strong Sell

1

Current Quarter

2025-09-30

Revenue

44365000

Cost Of Revenue

1773000

Gross Profit

-1773000

Operating Expenses

-22473000

Operating Income

20700000

Interest Expense

5518000

Pretax Income

15463000

Net Income

11511000

Eps

0.0851405325443787

Dividends Per Share

0

Shares Outstanding

94600000

Income Tax Expense

3952000

EBITDA

20981000

Operating Margin

46.65840189338443

Total Other Income Expense Net

-5237000

Cash

12184000

Short Term Investments

-

Receivables

3674000

Inventories

-

Total Current Assets

76317000

Property Plant Equipment

-

Total Assets

89627000

Payables

11246000

Short Term Debt

15050000

Long Term Debt

247589000

Total Liabilities

348299000

Equity

-258672000

Bs_currency_symbol

USD

Depreciation

948000

Change In Working Capital

2510000

Cash From Operations

38920000

Capital Expenditures

2931000

Cash From Investing

-2931000

Cash From Financing

-5009000

Net Change In Cash

30980000

Cf_currency_symbol

USD

PE

-

PB

-13.950052576235542

ROE

-4.450037112636853

ROA

12.84322804512033

FCF

35989000

Fcf Percent

0.8112025245125662

Piotroski FScore

3

Health Score

59

Deep Value Investing Score

5

Defensive Investing Score

6

Dividend Investing Score

5

Economic Moat Investing Score

7.5

Garp Investing Score

4.5

Growth Investing Score

5

Momentum Investing Score

4

Net Net Investing Score

2

Quality Investing Score

5.5

Value Investing Score

3.5

Quarters > 0 > quarter

2025-09-30

Quarters > 0 > income Statement > revenue

44365000

Quarters > 0 > income Statement > cost Of Revenue

1773000

Quarters > 0 > income Statement > gross Profit

-1773000

Quarters > 0 > income Statement > operating Expenses

-22473000

Quarters > 0 > income Statement > operating Income

20700000

Quarters > 0 > income Statement > interest Expense

5518000

Quarters > 0 > income Statement > pretax Income

15463000

Quarters > 0 > income Statement > net Income

11511000

Quarters > 0 > income Statement > eps

0.0851405325443787

Quarters > 0 > income Statement > dividends Per Share

0

Quarters > 0 > income Statement > shares Outstanding

135200000

Quarters > 0 > income Statement > income Tax Expense

3952000

Quarters > 0 > income Statement > EBITDA

20981000

Quarters > 0 > income Statement > operating Margin

46.65840189338443

Quarters > 0 > income Statement > total Other Income Expense Net

-5237000

Quarters > 0 > income Statement > currency_symbol

USD

Quarters > 0 > balance Sheet > cash

12184000

Quarters > 0 > balance Sheet > short Term Investments

-

Quarters > 0 > balance Sheet > receivables

3674000

Quarters > 0 > balance Sheet > inventories

-

Quarters > 0 > balance Sheet > total Current Assets

76317000

Quarters > 0 > balance Sheet > property Plant Equipment

-

Quarters > 0 > balance Sheet > total Assets

89627000

Quarters > 0 > balance Sheet > payables

11246000

Quarters > 0 > balance Sheet > short Term Debt

15050000

Quarters > 0 > balance Sheet > long Term Debt

247589000

Quarters > 0 > balance Sheet > total Liabilities

348299000

Quarters > 0 > balance Sheet > equity

-258672000

Quarters > 0 > balance Sheet > currency_symbol

USD

Quarters > 0 > cash Flow > net Income

33070000

Quarters > 0 > cash Flow > depreciation

948000

Quarters > 0 > cash Flow > change In Working Capital

2510000

Quarters > 0 > cash Flow > cash From Operations

38920000

Quarters > 0 > cash Flow > capital Expenditures

2931000

Quarters > 0 > cash Flow > cash From Investing

-2931000

Quarters > 0 > cash Flow > cash From Financing

-5009000

Quarters > 0 > cash Flow > net Change In Cash

30980000

Quarters > 0 > cash Flow > currency_symbol

USD

Quarters > 0 > ratios > PE

0.0851405325443787

Quarters > 0 > ratios > PB

-13.950052576235542

Quarters > 0 > ratios > ROE

-4.450037112636853

Quarters > 0 > ratios > ROA

12.84322804512033

Quarters > 0 > ratios > FCF

35989000

Quarters > 0 > ratios > Piotroski FScore

3

Quarters > 0 > ratios > fcf Percent

0.8112025245125662

Quarters > 0 > health Score

59

Quarters > 1 > quarter

2024-12-31

Quarters > 1 > income Statement > revenue

31503000

Quarters > 1 > income Statement > cost Of Revenue

10196000

Quarters > 1 > income Statement > gross Profit

21307000

Quarters > 1 > income Statement > operating Expenses

13113000

Quarters > 1 > income Statement > operating Income

18390000

Quarters > 1 > income Statement > interest Expense

3117000

Quarters > 1 > income Statement > pretax Income

15474000

Quarters > 1 > income Statement > net Income

11612000

Quarters > 1 > income Statement > eps

0.08588757396449705

Quarters > 1 > income Statement > dividends Per Share

0

Quarters > 1 > income Statement > shares Outstanding

135200000

Quarters > 1 > income Statement > income Tax Expense

-

Quarters > 1 > income Statement > EBITDA

-

Quarters > 1 > income Statement > operating Margin

58.37539281973145

Quarters > 1 > income Statement > total Other Income Expense Net

-

Quarters > 1 > income Statement > currency_symbol

USD

Quarters > 1 > balance Sheet > cash

7094000

Quarters > 1 > balance Sheet > short Term Investments

-

Quarters > 1 > balance Sheet > receivables

6708000

Quarters > 1 > balance Sheet > inventories

-

Quarters > 1 > balance Sheet > total Current Assets

35225000

Quarters > 1 > balance Sheet > property Plant Equipment

-

Quarters > 1 > balance Sheet > total Assets

48152000

Quarters > 1 > balance Sheet > payables

9693000

Quarters > 1 > balance Sheet > short Term Debt

8550000

Quarters > 1 > balance Sheet > long Term Debt

125101000

Quarters > 1 > balance Sheet > total Liabilities

414140000

Quarters > 1 > balance Sheet > equity

-365988000

Quarters > 1 > balance Sheet > currency_symbol

USD

Quarters > 1 > cash Flow > net Income

34592000

Quarters > 1 > cash Flow > depreciation

820000

Quarters > 1 > cash Flow > change In Working Capital

6292000

Quarters > 1 > cash Flow > cash From Operations

49926000

Quarters > 1 > cash Flow > capital Expenditures

3713000

Quarters > 1 > cash Flow > cash From Investing

-3713000

Quarters > 1 > cash Flow > cash From Financing

-42468000

Quarters > 1 > cash Flow > net Change In Cash

3745000

Quarters > 1 > cash Flow > currency_symbol

USD

Quarters > 1 > ratios > PE

0.08588757396449705

Quarters > 1 > ratios > PB

-9.85958009552226

Quarters > 1 > ratios > ROE

-3.172781621255342

Quarters > 1 > ratios > ROA

24.115301545107158

Quarters > 1 > ratios > FCF

46213000

Quarters > 1 > ratios > Piotroski FScore

3

Quarters > 1 > ratios > fcf Percent

1.466939656540647

Quarters > 1 > health Score

59

Quarters > 2 > quarter

2024-09-30

Quarters > 2 > income Statement > revenue

33820000

Quarters > 2 > income Statement > cost Of Revenue

11298000

Quarters > 2 > income Statement > gross Profit

22522000

Quarters > 2 > income Statement > operating Expenses

14011000

Quarters > 2 > income Statement > operating Income

19809000

Quarters > 2 > income Statement > interest Expense

3771000

Quarters > 2 > income Statement > pretax Income

16294000

Quarters > 2 > income Statement > net Income

12093000

Quarters > 2 > income Statement > eps

-

Quarters > 2 > income Statement > dividends Per Share

0

Quarters > 2 > income Statement > shares Outstanding

-

Quarters > 2 > income Statement > income Tax Expense

-

Quarters > 2 > income Statement > EBITDA

-

Quarters > 2 > income Statement > operating Margin

58.57185097575399

Quarters > 2 > income Statement > total Other Income Expense Net

-

Quarters > 2 > income Statement > currency_symbol

USD

Quarters > 2 > balance Sheet > cash

-

Quarters > 2 > balance Sheet > short Term Investments

-

Quarters > 2 > balance Sheet > receivables

-

Quarters > 2 > balance Sheet > inventories

-

Quarters > 2 > balance Sheet > total Current Assets

-

Quarters > 2 > balance Sheet > property Plant Equipment

-

Quarters > 2 > balance Sheet > total Assets

-

Quarters > 2 > balance Sheet > payables

-

Quarters > 2 > balance Sheet > short Term Debt

-

Quarters > 2 > balance Sheet > long Term Debt

-

Quarters > 2 > balance Sheet > total Liabilities

-

Quarters > 2 > balance Sheet > equity

-

Quarters > 2 > balance Sheet > currency_symbol

-

Quarters > 2 > cash Flow > net Income

12093000

Quarters > 2 > cash Flow > depreciation

783000

Quarters > 2 > cash Flow > change In Working Capital

2111000

Quarters > 2 > cash Flow > cash From Operations

14992000

Quarters > 2 > cash Flow > capital Expenditures

840000

Quarters > 2 > cash Flow > cash From Investing

-

Quarters > 2 > cash Flow > cash From Financing

-16434000

Quarters > 2 > cash Flow > net Change In Cash

-2282000

Quarters > 2 > cash Flow > currency_symbol

USD

Quarters > 2 > ratios > PE

-

Quarters > 2 > ratios > PB

-

Quarters > 2 > ratios > ROE

-

Quarters > 2 > ratios > ROA

-

Quarters > 2 > ratios > FCF

14152000

Quarters > 2 > ratios > Piotroski FScore

3

Quarters > 2 > ratios > fcf Percent

0.41845062093435836

Quarters > 2 > health Score

58

Annuals > 0 > quarter

2024-12-31

Annuals > 0 > income Statement > revenue

119299000

Annuals > 0 > income Statement > cost Of Revenue

40069000

Annuals > 0 > income Statement > gross Profit

79230000

Annuals > 0 > income Statement > operating Expenses

10784000

Annuals > 0 > income Statement > operating Income

68446000

Annuals > 0 > income Statement > interest Expense

17520000

Annuals > 0 > income Statement > pretax Income

46380000

Annuals > 0 > income Statement > net Income

34592000

Annuals > 0 > income Statement > eps

0.25585798816568045

Annuals > 0 > income Statement > dividends Per Share

0

Annuals > 0 > income Statement > shares Outstanding

135200000

Annuals > 0 > income Statement > income Tax Expense

11788000

Annuals > 0 > income Statement > EBITDA

66927000

Annuals > 0 > income Statement > operating Margin

57.37349013822413

Annuals > 0 > income Statement > total Other Income Expense Net

-22066000

Annuals > 0 > income Statement > currency_symbol

USD

Annuals > 0 > balance Sheet > cash

7094000

Annuals > 0 > balance Sheet > short Term Investments

-

Annuals > 0 > balance Sheet > receivables

6708000

Annuals > 0 > balance Sheet > inventories

-

Annuals > 0 > balance Sheet > total Current Assets

35225000

Annuals > 0 > balance Sheet > property Plant Equipment

-

Annuals > 0 > balance Sheet > total Assets

48152000

Annuals > 0 > balance Sheet > payables

9693000

Annuals > 0 > balance Sheet > short Term Debt

8550000

Annuals > 0 > balance Sheet > long Term Debt

125101000

Annuals > 0 > balance Sheet > total Liabilities

414140000

Annuals > 0 > balance Sheet > equity

-365988000

Annuals > 0 > balance Sheet > currency_symbol

USD

Annuals > 0 > cash Flow > net Income

34592000

Annuals > 0 > cash Flow > depreciation

3027000

Annuals > 0 > cash Flow > change In Working Capital

6292000

Annuals > 0 > cash Flow > cash From Operations

49926000

Annuals > 0 > cash Flow > capital Expenditures

3713000

Annuals > 0 > cash Flow > cash From Investing

-3713000

Annuals > 0 > cash Flow > cash From Financing

-42468000

Annuals > 0 > cash Flow > net Change In Cash

3745000

Annuals > 0 > cash Flow > currency_symbol

USD

Annuals > 0 > ratios > PE

0.25585798816568045

Annuals > 0 > ratios > PB

-10.265932216356822

Annuals > 0 > ratios > ROE

-9.45167601123534

Annuals > 0 > ratios > ROA

71.83917594284765

Annuals > 0 > ratios > FCF

46213000

Annuals > 0 > ratios > Piotroski FScore

3

Annuals > 0 > ratios > fcf Percent

0.3873712269172416

Annuals > 0 > health Score

59

Annuals > 1 > quarter

2023-12-31

Annuals > 1 > income Statement > revenue

84870000

Annuals > 1 > income Statement > cost Of Revenue

30361000

Annuals > 1 > income Statement > gross Profit

54509000

Annuals > 1 > income Statement > operating Expenses

9078000

Annuals > 1 > income Statement > operating Income

45431000

Annuals > 1 > income Statement > interest Expense

21326000

Annuals > 1 > income Statement > pretax Income

23857000

Annuals > 1 > income Statement > net Income

17886000

Annuals > 1 > income Statement > eps

0.13229289940828404

Annuals > 1 > income Statement > dividends Per Share

339023000

Annuals > 1 > income Statement > shares Outstanding

135200000

Annuals > 1 > income Statement > income Tax Expense

5971000

Annuals > 1 > income Statement > EBITDA

47365000

Annuals > 1 > income Statement > operating Margin

53.53010486626606

Annuals > 1 > income Statement > total Other Income Expense Net

-21574000

Annuals > 1 > income Statement > currency_symbol

USD

Annuals > 1 > balance Sheet > cash

8133000

Annuals > 1 > balance Sheet > short Term Investments

-

Annuals > 1 > balance Sheet > receivables

4876000

Annuals > 1 > balance Sheet > inventories

-

Annuals > 1 > balance Sheet > total Current Assets

29860000

Annuals > 1 > balance Sheet > property Plant Equipment

-

Annuals > 1 > balance Sheet > total Assets

41668000

Annuals > 1 > balance Sheet > payables

7396000

Annuals > 1 > balance Sheet > short Term Debt

1900000

Annuals > 1 > balance Sheet > long Term Debt

172963000

Annuals > 1 > balance Sheet > total Liabilities

429270000

Annuals > 1 > balance Sheet > equity

-387602000

Annuals > 1 > balance Sheet > currency_symbol

USD

Annuals > 1 > cash Flow > net Income

17886000

Annuals > 1 > cash Flow > depreciation

2182000

Annuals > 1 > cash Flow > change In Working Capital

-1053000

Annuals > 1 > cash Flow > cash From Operations

18647000

Annuals > 1 > cash Flow > capital Expenditures

4030000

Annuals > 1 > cash Flow > cash From Investing

-4030000

Annuals > 1 > cash Flow > cash From Financing

-9866000

Annuals > 1 > cash Flow > net Change In Cash

4751000

Annuals > 1 > cash Flow > currency_symbol

USD

Annuals > 1 > ratios > PE

0.13229289940828404

Annuals > 1 > ratios > PB

-9.693469073946988

Annuals > 1 > ratios > ROE

-4.614527272821089

Annuals > 1 > ratios > ROA

42.92502639915522

Annuals > 1 > ratios > FCF

14617000

Annuals > 1 > ratios > Piotroski FScore

3

Annuals > 1 > ratios > fcf Percent

0.17222811358548368

Annuals > 1 > health Score

57

Valuation > metrics > PE

0.0851405325443787

Valuation > metrics > PB

-13.950052576235542

Valuation > final Score

70

Valuation > verdict

99.1% Undervalued

Profitability > metrics > ROE

-4.450037112636853

Profitability > metrics > ROA

15.08314006053697

Profitability > metrics > Net Margin

0.25946128705060295

Profitability > final Score

60

Profitability > verdict

Adequate

Risk > metrics > Interest Coverage

3.7513591881116346

Risk > final Score

45

Risk > verdict

High

Liquidity > metrics > Current Ratio

2.902228475813812

Liquidity > metrics > Quick Ratio

2.902228475813812

Liquidity > final Score

100

Liquidity > verdict

Great

Prev Valuations > 0

70

Prev Valuations > 1

50

Prev Valuations > 2

0

Prev Profitabilities > 0

60

Prev Profitabilities > 1

65

Prev Profitabilities > 2

0

Prev Risks > 0

54

Prev Risks > 1

51

Prev Risks > 2

0

Prev Liquidities > 0

98

Prev Liquidities > 1

50

Prev Liquidities > 2

0

Updated At

2026-01-20T23:12:04.508Z

Earnings History > 0 > period

2025-12-31

Earnings History > 0 > report Date

2026-03-26

Earnings History > 0 > date

2025-12-31

Earnings History > 0 > before After Market

AfterMarket

Earnings History > 0 > currency

-

Earnings History > 0 > eps Actual

-

Earnings History > 0 > eps Estimate

-

Earnings History > 0 > eps Difference

0

Earnings History > 0 > surprise Percent

-

Earnings History > 1 > period

2025-09-30

Earnings History > 1 > report Date

2025-11-12

Earnings History > 1 > date

2025-09-30

Earnings History > 1 > before After Market

AfterMarket

Earnings History > 1 > currency

-

Earnings History > 1 > eps Actual

0.11

Earnings History > 1 > eps Estimate

0.1

Earnings History > 1 > eps Difference

0.01

Earnings History > 1 > surprise Percent

10

Earnings History > 2 > period

2025-06-30

Earnings History > 2 > report Date

2025-09-03

Earnings History > 2 > date

2025-06-30

Earnings History > 2 > before After Market

-

Earnings History > 2 > currency

-

Earnings History > 2 > eps Actual

0.1

Earnings History > 2 > eps Estimate

0

Earnings History > 2 > eps Difference

0.1

Earnings History > 2 > surprise Percent

-