Company Analysis
Sign in

Neptune Insurance Holdings Inc. (NP)

NYSE: NP · Insurance Agents, Brokers & Service · St. Petersburg, FL · filing with the SEC since 2025
Full chart Alerts Compare
Grade5.9
◀ Past 6.7● Present 4.5▶ Future 7.3
2 est.
OverviewBusinessFinancialsGradeForecastSentimentOwnershipPeopleFilingsPatents Chart

The grade of Neptune Insurance Holdings Inc.

Nine metrics read from its own filings, by tense
Headline grade
5.9/10
◀ Past6.725% of the headline
● Present4.545% of the headline
▶ Future7.330% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

Of the nine metrics, 7 read as filed from the record and 2 are SI estimates, each with its reasoning, its confidence and what would change it on its card.

◀ Past

What did they actually do?

6.7/1025% of the headline grade · 3 of 3 filed

Surviving crises

as filed
7.3/10

Has it survived what it has been through?

No warning events in its filings since 2025.

weight 45% of this tense · 73rd percentile among 30 sector filers · read for itself

From the record

Neptune Insurance Holdings Inc.'s filings since 2025 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed
8.0/10

What has it actually done, year after year?

+37.1% a year over 3 filed years; profitable in 3 of 3.

weight 33% of this tense · 80th percentile among 29 sector filers · read for its customers

From the record

Neptune Insurance Holdings Inc.'s 3 filed years say what it did: revenue went from $85 million in fiscal 2023 to $160 million in fiscal 2025, up 37.1% a year; it rose in 2 of 2 years; it never fell from a peak; net income was positive in 3 of 3 of those years (its annual reports).

What it rests on

  • revenue growth over the filed span37.1%top 12% of its family
  • the share of years revenue rosetop 24% of its family
  • the share of filed years with a profittop 20% of its family
  • the deepest fall from a revenue peak0.0%top 24% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

as filed
3.5/10

How has it treated the people who own it?

Share count grew 5.7% a year. 0% of cash flow returned. Insiders: 22 sales, 2 purchases.

weight 22% of this tense · 35th percentile among 20 sector filers · read for its shareholders

From the record

Over the 2 fiscal years to 2025-12-31, Neptune Insurance Holdings Inc.'s diluted share count grew about 5.7% a year, and dividends and buybacks returned about 0% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 22 sales (14 under scheduled 10b5-1 plans) and 2 purchases of their own stock on the open market in the year to 2026-11-12, buying about $1 million (their Form 4 filings).

What it rests on

  • the share count over the yearsbottom 48% of its family
  • cash returned against operating cash flowbottom 22% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

● Present

What are they doing right now?

4.5/1045% of the headline grade · 2 of 3 filed, 1 estimated

Financial health

as filed
1.0/10

Is it financially healthy right now?

Leverage 448%: owes 448¢ per asset dollar.

weight 33% of this tense · 10th percentile among 30 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-12-31, Neptune Insurance Holdings Inc.'s shareholders' equity was below zero, so the profit on it is not read. Leverage: it owed about 448 cents per dollar of assets, and net share issuance: its share count grew 11.9% over the year (the filed statements).

What it rests on

  • what it owes per dollar of assetsbottom 5% of its family
  • the share count against the year beforebottom 15% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed
6.4/10

How strong is its position in its industry?

top 36% of 30 in its family; net margin 23.4%.

weight 45% of this tense · 64th percentile among 30 sector filers · read for its customers

From the record

Neptune Insurance Holdings Inc.'s standing among 30 graded names in its industry family: revenue of $160 million in fiscal 2025 ranks in the bottom 15% by size; a net margin of 23.4% ranks in the top 8%; revenue growth of 37.1% a year over the last 2 filed years ranks in the top 15% (its annual reports).

What it rests on

  • revenue against the family$160Mbottom 15% of its family
  • net margin23.4%top 8% of its family
  • three-year revenue growth37.1%top 15% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

SI estimate
5.8/10

What are the people in charge doing?

SI estimate 5.8/10, confidence 35 of 100 (one part).

weight 22% of this tense · 58th percentile among 25 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate
Read from one part only, officer and director changes on Form 8-K over three years, against the people in charge, which ranks in the top 42% of 25 in its family; the record of its people begins on 2025-09-30 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 1.1 years and cannot see past it; a floor under five years is not read as years in charge.
What the record cannot read
The record of its people begins on 2025-09-30 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 1.1 years and cannot see past it; a floor under five years is not read as years in charge.
How it was reasoned
one part: officer and director changes on Form 8-K, against the people in charge, the one part on file, ranked among 25 in its family.
Confidence
35 of 100
What would change it
A filing that carries the missing parts replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: Neptune Insurance Holdings Inc.'s leadership is put at 5.8 of 10 with a confidence of 35 of 100, because read from one part only, officer and director changes on Form 8-K over three years, against the people in charge, which ranks in the top 42% of 25 in its family; the record of its people begins on 2025-09-30 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 1.1 years and cannot see past it; a floor under five years is not read as years in charge. A filing that carries the missing parts replaces this estimate with the filed reading.

▶ Future

What are they set up to do next?

7.3/1030% of the headline grade · 2 of 3 filed, 1 estimated

Room to expand

as filed
9.3/10

How much room does it have to grow?

top 7% of 29 in its family for room to expand.

weight 33% of this tense · 93rd percentile among 29 sector filers · read for itself

From the record

Neptune Insurance Holdings Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $41 million against debt of $0 thousand leaves 62.1% of its assets as net cash, top 2% of its family; cash from operations less capital spending is 32.4% of revenue (top 12%) (its annual report).

What it rests on

  • cash less debt against assets62.1%top 2% of its family
  • cash from operations less capital spending against revenue32.4%top 12% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Growth drivers

as filed
7.4/10

What could actually drive growth from here?

top 26% of 29 in its family for growth drivers.

weight 33% of this tense · 74th percentile among 29 sector filers · read for its customers

From the record

Neptune Insurance Holdings Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 37.1% a year over the last three filed years against 37.1% over all 3, speeding up (top 43% of its family); the newest year grew 33.8% (top 9%) (its annual reports). Neptune Insurance Holdings Inc. reported 2 product lines in fiscal 2025: Commission Income at $122 million (77%), Fee Income at $38 million (24%); 2 of 2 grew against the year before (its annual report).

What it rests on

  • three-year growth against the whole span+0.0 points a yeartop 43% of its family
  • the newest year's revenue growth33.8%top 9% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

SI estimate
5.2/10

Did its newest year beat what its own record pointed to?

SI estimate 5.2/10, confidence 20 of 100 (family median).

weight 33% of this tense · 50th percentile among 25 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate
The record does not carry four filed years of revenue and two of the three parts: revenue against the prior pace, earnings against the prior average, the margin change, so the desk assumes the typical reading of its industry family, the median of 25 members with one.
What the record cannot read
The record does not carry four filed years of revenue and two of the three parts: revenue against the prior pace, earnings against the prior average, the margin change.
How it was reasoned
family median, 25 readings behind it.
Confidence
20 of 100
What would change it
Its next annual report on file with the inputs replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: Neptune Insurance Holdings Inc.'s expectations vs reality is put at 5.2 of 10 with a confidence of 20 of 100, because the record does not carry four filed years of revenue and two of the three parts: revenue against the prior pace, earnings against the prior average, the margin change, so the desk assumes the typical reading of its industry family, the median of 25 members with one. Its next annual report on file with the inputs replaces this estimate with the filed reading.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton NP · research, not advice