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Neptune Insurance Holdings Inc. Class A

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Key Metrics

Previous Close: $27.24
52-Week Range: $14.78 – $35.15
Market Cap: $3.76B
P/E (TTM): 119.26
EPS (TTM): 0.23
Dividend Yield: 0.00%

Advanced Metrics

Price/Book: —
PEG Ratio: —
Return on Equity: —
Return on Assets: 56.61%
Gross Margin: 52.66%
Operating Margin: 47.52%
Profit Margin: 21.45%
Current Ratio: 1.05
Debt/Equity: —
Total Debt: $240.00M
Free Cash Flow: $68.36M
Revenue Growth: 32.80%
Earnings Growth: —
Enterprise Value: $3.99B

NP Income statement, annual periods, in USD
USD	FY2023	FY2024	FY2025
Revenue	$84.87M	$119.30M	$159.55M
Cost of Revenue	$30.36M	$40.07M	$65.95M
Gross Profit	$54.51M	$79.23M	$93.60M
Selling, General & Admin	$6.90M	$7.76M	$10.02M
Operating Expenses	$9.08M	$10.78M	$13.74M
Operating Income	$45.43M	$68.45M	$79.87M
EBITDA	$47.37M	$66.93M	$75.59M
Pretax Income	$23.86M	$46.38M	$53.63M
Income Tax	$5.97M	$11.79M	$16.22M
Net Income	$17.89M	$34.59M	$37.41M
Diluted EPS	0.07	0.11	-0.26
Diluted Shares	135.20M	135.20M	104.50M

NP Balance Sheet statement, annual periods, in USD
USD	FY2023	FY2024	FY2025
Cash & Equivalents	$8.13M	$7.09M	$8.04M
Receivables	$4.88M	$6.71M	$10.61M
Current Assets	$29.86M	$35.23M	$52.46M
Total Assets	$41.67M	$48.15M	$65.30M
Current Liabilities	$29.11M	$48.57M	$52.79M
Long-Term Debt	$172.96M	$125.10M	$240.00M
Total Debt	$174.86M	$133.65M	$240.00M
Total Liabilities	$202.07M	$173.67M	$292.79M
Retained Earnings	-$387.64M	-$366.32M	-$514.35M
Shareholders' Equity	-$160.40M	-$125.52M	-$227.49M
Working Capital	$752.00K	-$13.34M	-$331.00K
Net Debt	$166.73M	$126.56M	$231.96M

NP Cash Flow statement, annual periods, in USD
USD	FY2023	FY2024	FY2025
Operating Cash Flow	$18.65M	$49.93M	$51.67M
Capital Expenditure	-$4.03M	-$3.71M	-$3.98M
Free Cash Flow	$14.62M	$46.21M	$47.69M
Depreciation & Amortisation	$2.18M	$3.03M	$3.71M
Stock-Based Compensation	$41.00K	$296.00K	$11.42M
Investing Cash Flow	-$4.03M	-$3.71M	-$3.98M
Financing Cash Flow	-$9.87M	-$42.47M	-$35.21M
Dividends Paid	-$339.02M	$0.00	-$175.00M
Share Repurchases	-$10.00M	$0.00	$0.00
Net Change in Cash	$4.75M	$3.75M	$12.48M

NP Income statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Revenue	$42.07M	$44.37M	$43.77M	$37.80M	$55.87M
Cost of Revenue	$14.26M	$15.61M	$25.73M	$19.77M	$24.95M
Gross Profit	$27.80M	$28.75M	$18.04M	$18.02M	$30.92M
Selling, General & Admin	$5.60M	$2.14M	$3.25M	$3.58M	$3.35M
Operating Expenses	$6.51M	$3.09M	$4.23M	$4.58M	$4.37M
Operating Income	$21.29M	$25.67M	$13.81M	$13.44M	$26.55M
EBITDA	$22.45M	$21.93M	$14.54M	$14.61M	$27.83M
Pretax Income	$15.67M	$15.46M	$9.11M	$10.07M	$23.19M
Income Tax	$4.05M	$3.95M	$4.76M	$2.73M	$7.39M
Net Income	$11.62M	$11.51M	$4.34M	$7.35M	$15.80M
Diluted EPS	-0.34	0.04	—	0.05	0.11
Diluted Shares	135.20M	138.03M	—	145.76M	146.19M

NP Balance Sheet statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	$11.70M	$12.18M	$8.04M	$10.54M	$17.55M
Receivables	$8.84M	$16.63M	$10.61M	$10.84M	$11.20M
Current Assets	$67.89M	$76.32M	$52.46M	$72.47M	$89.02M
Total Assets	$80.95M	$89.63M	$65.30M	$85.30M	$102.21M
Current Liabilities	$82.37M	$85.13M	$52.79M	$71.65M	$84.45M
Long-Term Debt	$277.35M	$247.59M	$240.00M	$227.00M	$240.00M
Total Debt	$292.40M	$262.64M	$240.00M	$227.00M	$240.00M
Total Liabilities	$359.72M	$348.30M	$292.79M	$298.65M	$324.45M
Retained Earnings	-$526.62M	-$518.66M	-$514.35M	-$507.00M	-$491.21M
Shareholders' Equity	-$278.77M	-$258.67M	-$227.49M	-$213.36M	-$222.24M
Working Capital	-$14.48M	-$8.81M	-$331.00K	$811.00K	$4.56M
Net Debt	$280.70M	$250.46M	$231.96M	$216.46M	$222.45M

NP Cash Flow statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	$8.65M	$15.96M	$12.75M	$16.69M	$26.71M
Capital Expenditure	-$974.00K	-$1.05M	-$1.05M	-$1.10M	-$1.07M
Free Cash Flow	$7.67M	$14.91M	$11.70M	$15.60M	$25.64M
Depreciation & Amortisation	$912.00K	$948.00K	$979.00K	$1.00M	$1.02M
Stock-Based Compensation	$103.00K	$112.00K	$11.12M	$6.88M	$6.95M
Investing Cash Flow	-$974.00K	-$1.05M	-$1.05M	-$1.10M	-$1.07M
Financing Cash Flow	-$1.92M	-$14.32M	-$30.20M	$4.25M	-$8.99M
Dividends Paid	—	$0.00	$0.00	—	—
Net Change in Cash	$5.76M	$593.00K	-$18.50M	$19.84M	$16.65M

Market Snapshot

About

Neptune Insurance Holdings is an insurance technology company providing property and casualty insurance solutions through digital platforms and modern underwriting approaches.