NP - NYSE
Neptune Insurance Holdings Inc.
$24.31
-7.4%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 SnapshotNeptune Insurance Holdings Inc. Profit Bridge
Profitability Analysis
Gross Margin
Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.
Operating Margin
Outstanding operational efficiency. The company generates substantial profit from core operations.
Net Profit Margin
Exceptional profitability. The company converts a significant portion of revenue to bottom-line earnings.
Effective Tax Rate
Higher tax burden may reflect limited tax optimization or operations in high-tax jurisdictions.
Profitability Insight
Exceptional profitability across all levels: Strong pricing power, efficient operations, and healthy bottom line indicate a high-quality business with sustainable competitive advantages.
Neptune Insurance Holdings Inc. Income Statement
NP • NYSE
| Neptune Insurance Holdings Inc. Income Statement | Dec 2025 | Dec 2024 | Dec 2023 |
|---|---|---|---|
REVENUE | |||
159.6M | 119.3M | 84.9M | |
GROSS PROFIT | |||
(56.5M) | (40.1M) | (30.4M) | |
103.1M | 79.2M | 54.5M | |
OPERATING INCOME | |||
(23.2M) | (10.8M) | (9.1M) | |
(10M) | (7.8M) | (6.9M) | |
79.9M | 68.4M | 45.4M | |
PRE-TAX INCOME | |||
(18.2M) | (17.5M) | (21.3M) | |
-17.3M | -16.6M | -21M | |
(13.2M) | (3M) | (2.2M) | |
-26.2M | -22.1M | -21.6M | |
53.6M | 46.4M | 23.9M | |
NET INCOME | |||
(16.2M) | (11.8M) | (6M) | |
37.4M | 34.6M | 17.9M |
SEC Filings
NP - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
8-K 8-K 2026 N/A | June 01, 2026 | May 28, 2026 | 2026 | |
S-1 S-1 N/A | May 11, 2026 | May 11, 2026 | ||
10-Q 10-Q 2026 Q1 Q1 | April 29, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 22, 2026 | April 22, 2026 | 2026 | |
DEF 14A DEF 14A 2026 N/A | April 17, 2026 | May 28, 2026 | 2026 | |
10-K 10-K 2025 FY FY | February 26, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | February 18, 2026 | February 18, 2026 | 2026 | |
10-Q 10-Q 2025 Q3 Q3 | November 12, 2025 | September 30, 2025 | 2025 | |
8-K 8-K 2025 N/A | November 12, 2025 | November 12, 2025 | 2025 | |
8-K 8-K 2025 N/A | October 07, 2025 | October 02, 2025 | 2025 |
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