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. Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.
CapEx Intensity
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
FCF Growth Trend
Flat FCF growth. Stable but not expanding—monitor for signs of business maturity or temporary headwinds.
Working Capital Impact
Minimal working capital impact on FCF. Changes in operating assets and liabilities well-managed.
Cash Flow Quality Insight
Asset-light with strong cash conversion: Low capital requirements combined with efficient cash generation creates significant shareholder value through dividends, buybacks, or strategic investments.
Neptune Insurance Holdings Inc. Cash Flow Statement
NP • NYSE
| Neptune Insurance Holdings Inc. Cash Flow Statement | Dec 2025 | Dec 2024 | Dec 2023 |
|---|---|---|---|
OPERATING ACTIVITIES | |||
37.4M | 34.6M | 17.9M | |
3.7M | 3M | 2.2M | |
2M | -612K | -2.2M | |
11.4M | 296K | 41K | |
632K | 6.3M | 1.8M | |
(20.2M) | (7.3M) | (8.6M) | |
-3.5M | 6.3M | -1.1M | |
51.7M | 49.9M | 18.6M | |
INVESTING ACTIVITIES | |||
-4M | -3.7M | -4M | |
-4M | -3.7M | -4M | |
FINANCING ACTIVITIES | |||
15.7M | 0.0 | 0.0 | |
105M | -43.5M | 108.7M | |
-175M | (0.0) | -339M | |
(0.0) | (0.0) | -10M | |
19.1M | 1.1M | 1.4M | |
-35.2M | -42.5M | -9.9M | |
CASH FLOW SUMMARY | |||
12.5M | 3.7M | 4.8M | |
28.1M | 24.3M | 19.6M | |
40.5M | 28.1M | 24.3M | |
47.7M | 46.2M | 14.6M |
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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