YOLFTbeta
Neptune Insurance Holdings Inc.

Neptune Insurance Holdings Inc.

NP · NYSE · Financial Services / Insurance Brokers

28.34USD-0.21 (-0.74%)

Price History

Full chart

Market Stats

Previous Close28.55
Open28.47
Day Range27.86 – 28.88
52-Week Range14.78 – 35.15
Volume331.95K
Market Cap3.82B
P/E (TTM)139.00
Forward P/E41.32
EPS0.20
Dividend Yield0.00%
50-Day Avg31.47
200-Day Avg27.44

About

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.

Company Details

  • SectorFinancial Services
  • IndustryInsurance Brokers
  • CEOMr. Trevor R. Burgess
  • Employees62
  • Headquarters400 6th Street S, Saint Petersburg, FL, United States, 33701, USA
  • Websitehttps://www.neptuneflood.com

Leadership

  • Mr. Trevor R. BurgessCEO & Chairman · b. 1973
  • Mr. James SteinerCFO, Secretary & Director · b. 1981
  • Mr. Matthew DuffyPresident & Chief Risk Officer of Neptune Flood Incorporated · b. 1992
  • Mr. Brad SchulzCTO & Chief Information Security Officer
  • Ms. Alais L. M. GriffinGeneral Counsel · b. 1973
  • Mr. Steve AikensChief Marketing Officer
  • Mr. Jean-Luc EcksteinChief Customer Officer
  • Ms. Kate StillwellPresident of Parametric Insurance
  • Mr. Michael Freed DezubeChief Data Science Officer
  • Mr. Tom WexlerChief Engineer

Financials

Income Statement

Currency: USD2023-12-312024-12-312025-12-31
Total Revenue84.87M119.30M159.55M
Growth (%)-+40.57%+33.74%
Cost of Revenue30.36M40.07M56.49M
Gross Profit54.51M79.23M103.06M
Gross Margin64.23%66.41%64.59%
Operating Expense9.08M10.78M23.19M
Operating Income45.43M68.45M79.87M
Operating Margin53.53%57.37%50.06%
EBITDA47.37M66.93M75.59M
EBITDA Margin55.81%56.10%47.38%
Net Income17.89M34.59M37.41M
Net Income Margin21.07%29.00%23.45%
Interest Expense21.33M17.52M18.24M
Interest Expense % of Total Revenue25.13%14.69%11.43%

Balance Sheet

Currency: USD2023-12-312024-12-312025-12-31
Total Assets41.67M48.15M65.30M
Total Liabilities429.27M414.14M292.79M
Total Equity-387.60M-365.99M-227.49M
Cash8.13M7.09M8.04M
Total Debt174.86M133.65M240.00M
Net Debt166.73M126.56M231.96M

Cash Flow

Currency: USD2023-12-312024-12-312025-12-31
Operating Cash Flow18.65M49.93M51.67M
Investing Cash Flow-4.03M-3.71M-3.98M
Financing Cash Flow-9.87M-42.47M-35.21M
Capital Expenditure4.03M3.71M3.98M
Free Cash Flow14.62M46.21M47.69M
Dividends Paid339.02M0175.00M
FCF to OCF78.39%92.56%92.30%
Dividend Paid to FCF2319.37%0.00%366.93%

Earnings

Report DateSep 3, 2025Nov 12, 2025Feb 18, 2026Apr 22, 2026Jul 21, 2026Nov 11, 2026
EPS Estimate0.000.110.100.100.110.12
EPS Actual0.100.110.110.090.10-
Surprise-0.00%10.00%-10.00%-9.09%-
Timing-After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours

Key Statistics & Ratios

Market Cap3.82B
Enterprise Value4.03B
Trailing P/E139.00
Forward P/E41.32
Price / Sales20.99
Price / Book0.00
EPS0.20
Book Value-1.62
Revenue (TTM)181.80M
Gross Profit (TTM)95.74M
EBITDA83.25M
Profit Margin21.45%
Operating Margin47.52%
Return on Equity0.00%
Return on Assets56.61%
Shares Outstanding93.80M
Shares Float40.52M
Dividend Yield0.00%
Dividend Rate0.00
Payout Ratio0.00%

Ownership Breakdown

Institutions
70.23%
Insiders
22.12%
Retail / Other
7.65%

Top Institutional Holders

  • Bregal Sagemount IV General Partner Jersey Ltd
    14.25M10.39%
  • T. Rowe Price Investment Management,Inc.
    4.74M3.45%
  • JPMorgan Chase & Co
    1.48M1.08%
  • Azora Capital LP
    1.47M1.07%
  • AllianceBernstein L.P.
    1.17M0.85%
  • Capital World Investors
    1.13M0.82%
  • Woodline Partners LP
    978.09K0.71%
  • Ameriprise Financial Inc
    965.34K0.70%
  • Capital Research & Mgmt Co - Division 3
    944.97K0.69%
  • Vanguard Capital Management, LLC
    819.10K0.60%
  • Frontier Capital Management CO Inc
    746.05K0.54%
  • Vanguard Portfolio Management, LLC
    712.44K0.52%
  • BAMCO Inc
    708.47K0.52%

Top Fund Holders

  • American Funds SMALLCAP World A
    2.02M1.47%
  • T. Rowe Price Small-Cap Stock
    1.98M1.44%
  • T. Rowe Price Instl Small-Cap Stock
    1.06M0.77%
  • Vanguard MStar Total Stk Mkt Idx Invest
    1.06M0.77%
  • iShares Russell 2000 ETF
    952.97K0.69%
  • Vanguard Small Cap Index
    763.84K0.56%
  • AB Small Cap Growth A
    717.96K0.52%