Neptune Insurance Holdings Inc.

Neptune Insurance Holdings Inc.

NP·NYSE

$24.31

-7.4%
TechnologySoftware - Application

A data-driven managing general agent for flood insurance. Sells residential and commercial flood insurance (primary & excess), and parametric earthquake insurance. Uses AI and machine learning platforms (e.g. underwriting engine "Triton", policy management "Poseidon"), distributes via agency network, and does not take balance sheet risk or handle claims themselves; rather, insurance and reinsurance carriers do.

At a Glance

Live Snapshot
Market Cap$2.31B
EPS-0.2000
P/E Ratio-121.55
Earnings Date06/03/2026
0.00%
Dividend Yield
3Y-
5Y-
10Y-
0.00%
Dividend Payout Ratio
3Y-
5Y-
10Y-
3Y-100.0%
5Y-100.0%
10Y-100.0%
Neptune Insurance Holdings Inc.

Neptune Insurance Holdings Inc. Dividend History

NP · NYSE
10Y CAGR +0%
Latest $0
Annual $0
Stable dividend payments
Last Period: +0%

NP Dividend Payment History

NP · NYSE

Total Payments

50

Latest Dividend

$0.4750

Annual Amount

$2.3650

Frequency

Quarterly

DeclarationEx-DatePayment DateDividendAdjustedFrequencyGrowth
May 2, 2022
May 13, 2022Jun 2, 2022
$0.4750
$0.4750
Quarterly0.00%
Feb 1, 2022
Feb 18, 2022Mar 2, 2022
$0.4750
$0.4750
Quarterly0.00%
Nov 1, 2021
Nov 12, 2021Dec 2, 2021
$0.4750
$0.4750
Quarterly+1.06%
Aug 2, 2021
Aug 13, 2021Sep 2, 2021
$0.4700
$0.4700
Quarterly0.00%
May 3, 2021
May 14, 2021Jun 2, 2021
$0.4700
$0.4700
Quarterly0.00%
Feb 1, 2021
Feb 12, 2021Mar 2, 2021
$0.4700
$0.4700
Quarterly0.00%
Oct 29, 2020
Nov 13, 2020Dec 2, 2020
$0.4700
$0.4700
Quarterly0.00%
Jul 31, 2020
Aug 14, 2020Sep 2, 2020
$0.4700
$0.4700
Quarterly0.00%
May 1, 2020
May 15, 2020Jun 2, 2020
$0.4700
$0.4700
Quarterly0.00%
Jan 31, 2020
Feb 14, 2020Mar 3, 2020
$0.4700
$0.4700
Quarterly+4.44%
Nov 1, 2019
Nov 15, 2019Dec 3, 2019
$0.4500
$0.4500
Quarterly0.00%
Aug 1, 2019
Aug 16, 2019Sep 4, 2019
$0.4500
$0.4500
Quarterly0.00%
May 1, 2019
May 17, 2019Jun 4, 2019
$0.4500
$0.4500
Quarterly0.00%
Feb 1, 2019
Feb 15, 2019Mar 4, 2019
$0.4500
$0.4500
Quarterly+9.76%
Nov 1, 2018
Nov 16, 2018Dec 3, 2018
$0.4100
$0.4100
Quarterly0.00%
Aug 1, 2018
Aug 17, 2018Sep 5, 2018
$0.4100
$0.4100
Quarterly0.00%
May 1, 2018
May 18, 2018Jun 4, 2018
$0.4100
$0.4100
Quarterly0.00%
Feb 1, 2018
Feb 16, 2018Mar 2, 2018
$0.4100
$0.4100
Quarterly+10.81%
Nov 1, 2017
Nov 17, 2017Dec 11, 2017
$0.3700
$0.3700
Quarterly0.00%
Aug 2, 2017
Aug 18, 2017Sep 5, 2017
$0.3700
$0.3700
Quarterly0.00%
May 1, 2017
May 12, 2017Jun 2, 2017
$0.3700
$0.3700
Quarterly0.00%
Jan 31, 2017
Feb 17, 2017Mar 2, 2017
$0.3700
$0.3700
Quarterly+12.12%
Oct 28, 2016
Nov 11, 2016Dec 2, 2016
$0.3300
$0.3300
Quarterly0.00%
Jul 29, 2016
Sep 2, 2016Sep 12, 2016
$0.3300
$0.3300
Quarterly0.00%
Aug 1, 2016
Aug 12, 2016Sep 2, 2016
$0.3300
$0.3300
Quarterly0.00%
Apr 29, 2016
May 13, 2016Jun 2, 2016
$0.3300
$0.3300
Quarterly0.00%
Jan 29, 2016
Feb 12, 2016Mar 2, 2016
$0.3300
$0.3300
Quarterly+10.00%
Oct 29, 2015
Nov 13, 2015Dec 2, 2015
$0.3000
$0.3000
Quarterly0.00%
Jul 30, 2015
Aug 14, 2015Sep 2, 2015
$0.3000
$0.3000
Quarterly0.00%
Apr 30, 2015
May 15, 2015Jun 2, 2015
$0.3000
$0.3000
Quarterly0.00%
Feb 2, 2015
Feb 13, 2015Mar 3, 2015
$0.3000
$0.3000
Quarterly+11.11%
Oct 31, 2014
Nov 14, 2014Dec 2, 2014
$0.2700
$0.2700
Quarterly0.00%
May 22, 2014
Aug 15, 2014Sep 3, 2014
$0.2700
$0.2700
Quarterly+12.50%
May 2, 2014
May 16, 2014Jun 3, 2014
$0.2400
$0.2400
Quarterly0.00%
Nov 19, 2013
Feb 14, 2014Mar 4, 2014
$0.2400
$0.2400
Quarterly+20.00%
Nov 1, 2013
Nov 15, 2013Dec 4, 2013
$0.2000
$0.2000
Quarterly0.00%
May 30, 2013
Aug 16, 2013Sep 3, 2013
$0.2000
$0.2000
Quarterly+33.33%
May 1, 2013
May 17, 2013Jun 4, 2013
$0.1500
$0.1500
Quarterly0.00%
Nov 15, 2012
Feb 15, 2013Mar 4, 2013
$0.1500
$0.1500
Quarterly+25.00%
Nov 1, 2012
Nov 16, 2012Dec 4, 2012
$0.1200
$0.1200
Quarterly0.00%
Jul 31, 2012
Aug 10, 2012Sep 4, 2012
$0.1200
$0.1200
Quarterly0.00%
May 1, 2012
May 11, 2012Jun 4, 2012
$0.1200
$0.1200
Quarterly0.00%
Nov 17, 2011
Feb 10, 2012Mar 2, 2012
$0.1200
$0.1200
Quarterly+9.09%
Nov 1, 2011
Nov 11, 2011Dec 2, 2011
$0.1100
$0.1100
Quarterly0.00%
Aug 1, 2011
Aug 12, 2011Sep 2, 2011
$0.1100
$0.1100
Quarterly0.00%
May 2, 2011
May 13, 2011Jun 2, 2011
$0.1100
$0.1100
Quarterly0.00%
Nov 18, 2010
Feb 11, 2011Mar 2, 2011
$0.1100
$0.1100
Quarterly+10.00%
Nov 1, 2010
Nov 12, 2010Dec 2, 2010
$0.1000
$0.1000
Quarterly0.00%
Aug 2, 2010
Aug 13, 2010Sep 2, 2010
$0.1000
$0.1000
Quarterly0.00%
May 3, 2010
May 14, 2010Jun 2, 2010
$0.1000
$0.1000
Quarterly-
np

Neptune Insurance Holdings Inc. Payout Ratio Analysis

NP · NYSE
Dividends Paid
-175.00M
2025
Net Income
37.41M
2025
Payout Ratio
467.75%
2025

Dividend Sustainability Analysis

Payout Ratio
467.75%

Conservative payout with excellent safety margin. Company retains significant earnings for growth, acquisitions, or building cash reserves. Dividend is highly sustainable.

FCF Payout Ratio
366.9%

FCF insufficient to cover dividends. Company relying on borrowing, asset sales, or cash reserves to maintain payout. Unsustainable long-term.

Sustainability
At Risk

Dividend appears unsustainable based on current metrics. High probability of reduction or elimination. Proceed with caution.

Key Insight

Unsustainable dividend: Company paying out more than it generates in earnings or free cash flow. Dividend cut highly probable unless management takes corrective action or earnings recover dramatically.