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. Funding & Solvency Profile
Financial Health Analysis
Current Ratio
Warning: Liquidity concerns. Current assets may not be sufficient to cover short-term obligations.
Working Capital
Negative working capital indicates short-term liabilities exceed short-term assets—potential liquidity stress.
Asset Composition
Asset-light business model with high liquidity. Majority of assets are easily convertible to cash.
Neptune Insurance Holdings Inc. Balance Sheet
NP • NYSE
| Neptune Insurance Holdings Inc. Balance Sheet | Dec 2025 | Dec 2024 | Dec 2023 |
|---|---|---|---|
ASSETS | |||
CURRENT ASSETS | |||
8M | 7.1M | 8.1M | |
8M | 7.1M | 8.1M | |
0.0 | 6.7M | 4.9M | |
0.0 | 2.6M | 941K | |
0.0 | 4.1M | 3.9M | |
44.4M | 21.4M | 16.9M | |
52.5M | 35.2M | 29.9M | |
NON-CURRENT ASSETS | |||
3.8M | 3.8M | 3.8M | |
466K | 6.2M | 5.5M | |
4.3M | 10M | 9.3M | |
802K | 2.8M | 2.2M | |
7.8M | 99K | 279K | |
12.8M | 12.9M | 11.8M | |
65.3M | 48.2M | 41.7M | |
LIABILITIES | |||
CURRENT LIABILITIES | |||
10.1M | 27.7M | 18.7M | |
10.1M | 9.7M | 7.4M | |
0.0 | 18M | 11.4M | |
0.0 | 475K | 62K | |
0.0 | 8.6M | 1.9M | |
0.0 | 4.8M | 90K | |
42.7M | 11.8M | 8.4M | |
52.8M | 48.6M | 29.1M | |
NON-CURRENT LIABILITIES | |||
240M | 125.1M | 173M | |
0.0 | 240.5M | 227.2M | |
240M | 365.6M | 400.2M | |
292.8M | 414.1M | 429.3M | |
SHAREHOLDERS' EQUITY | |||
1K | 0.0 | 0.0 | |
286.9M | 337K | 41K | |
-514.4M | -366.3M | -387.6M | |
-227.5M | -366M | -387.6M | |
-227.5M | -366M | -387.6M | |
SUMMARY | |||
65.3M | 48.2M | 41.7M | |
240M | 133.7M | 174.9M | |
232M | 126.6M | 166.7M | |
94,600,000 | 94,600,000 | 94,600,000 |
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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