Neptune Insurance Holdings Inc. Financials

Neptune Insurance Holdings Inc. (NP) reported $159.6M in total revenue for fiscal year 2025. This represents a 33.7% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

Neptune Insurance Holdings Inc. (NP) revenue grew by 33.7% year-over-year, from $119.3M to $159.6M in fiscal year 2025.

Yes, Neptune Insurance Holdings Inc. (NP) reported a net income of $37.4M in fiscal year 2025, with a net profit margin of 23.4%.

Neptune Insurance Holdings Inc. (NP) reported diluted earnings per share of $-0.26 for fiscal year 2025. This represents a -262.5% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

As of fiscal year 2025, Neptune Insurance Holdings Inc. (NP) had $8.0M in cash and equivalents against $0 in long-term debt.

Neptune Insurance Holdings Inc. (NP) had an operating margin of 44.5% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.

Neptune Insurance Holdings Inc. (NP) had a net profit margin of 23.4% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Neptune Insurance Holdings Inc. (NP) generated $51.7M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

Neptune Insurance Holdings Inc. (NP) had $65.3M in total assets as of fiscal year 2025, including both current and long-term assets.

Neptune Insurance Holdings Inc. (NP) had a current ratio of 0.99 as of fiscal year 2025, which is below 1.0, which may suggest potential liquidity concerns.

Neptune Insurance Holdings Inc. (NP) had a debt-to-equity ratio of 0.00 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

Neptune Insurance Holdings Inc. (NP) had a return on assets of 57.3% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

Neptune Insurance Holdings Inc. (NP) has negative shareholder equity of -$227.5M as of fiscal year 2025, which causes the debt-to-equity ratio to appear negative or not meaningful. This can occur when accumulated losses exceed invested capital, or after large share buyback programs. Other solvency metrics like the current ratio or interest coverage may be more informative.

Neptune Insurance Holdings Inc. (NP) has an Altman Z-Score of 2.83, placing it in the Grey Zone (moderate risk). The Z-Score combines five financial ratios (working capital, retained earnings, EBIT, market capitalization, and revenue relative to total assets) to predict the likelihood of bankruptcy. Scores above 2.99 indicate financial safety while scores below 1.81 suggest financial distress. Learn more in our complete guide to financial health indicators.

Neptune Insurance Holdings Inc. (NP) has a Piotroski F-Score of 5 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Neptune Insurance Holdings Inc. (NP) has an earnings quality ratio of 1.38x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

Neptune Insurance Holdings Inc. (NP) has an interest coverage ratio of 3.9x, meaning it can adequately cover its interest obligations. This ratio divides operating income by interest expense. Ratios above 5x indicate strong debt-servicing ability, while ratios below 2x suggest the company may face difficulty meeting interest payments if earnings decline. Learn more in our complete guide to financial health indicators.

Neptune Insurance Holdings Inc. (NP) scores 35 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.