Neptune Insurance Holdings Inc.
NP
Analytical Summary
Neptune Insurance Holdings Inc. shows strong fundamentals with top-quartile Profit Margin (%) and Debt to Equity. The company's metrics support a bullish outlook for growth-oriented investors.
4-Year Financial Trajectory
AnnualBullish Indicators
- Debt to EquityDebt to Equity is in the top quartile (lower is better)
- Operating Margin (%)Operating Margin (%) is in the top quartile
- Profit Margin (%)Profit Margin (%) is in the top quartile
Bearish Risks
- No bearish risks detected.
Health Breakdown
Statement lens
Choose the reporting cadence, isolate a period range, or search directly for a metric.
| Metric | FY 2025 Dec 31, 2025 10-K ↗ | FY 2024 Dec 31, 2024 10-K ↗ | FY 2023 Dec 31, 2023 10-K ↗ | FY 2022 Dec 31, 2022 10-K ↗ |
|---|---|---|---|---|
| Revenue Growth YoY (%) |
33.7%
Excellent
Excellent
Year-over-year change in total revenue
Optimal:
> 10%
vs Sector:
Above avg (+462%)
|
40.6%
Excellent
Excellent
Year-over-year change in total revenue
Optimal:
> 10%
vs Sector:
Above avg (+576%)
|
— | — |
| EPS Growth YoY (%) | N/M |
60.0%
Excellent
Excellent
Year-over-year change in earnings per share
Optimal:
> 10%
|
— | — |
| Net Income Growth YoY (%) |
8.2%
Fair
Fair
Year-over-year change in net income |
93.4%
Excellent
Excellent
Year-over-year change in net income |
— | — |
| FCF Growth YoY (%) N/A | N/A | N/A | N/A | N/A |
| Metric | FY 2025 Dec 31, 2025 10-K ↗ | FY 2024 Dec 31, 2024 10-K ↗ | FY 2023 Dec 31, 2023 10-K ↗ | FY 2022 Dec 31, 2022 10-K ↗ |
|---|---|---|---|---|
| Operating Margin (%) (%) |
44.5%
Excellent
↓
Excellent
Declining
Operating income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Above avg (+78%)
|
57.4%
Excellent
Excellent
Operating income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Above avg (+129%)
|
53.5%
Excellent
Excellent
Operating income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Above avg (+114%)
|
— |
| Effective Tax Rate (%) (%) |
30.2%
Weak
↑
Weak
Improving
Actual taxes paid relative to pre-tax income
Optimal:
15-25%
|
25.4%
Caution
Caution
Actual taxes paid relative to pre-tax income
Optimal:
15-25%
|
25.0%
Caution
Caution
Actual taxes paid relative to pre-tax income
Optimal:
15-25%
|
— |
| Profit Margin (%) (%) |
23.4%
Excellent
↓
Excellent
Declining
Net income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Above avg (+7%)
|
29.0%
Excellent
Excellent
Net income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Above avg (+32%)
|
21.1%
Excellent
Excellent
Net income as a percentage of revenue
Optimal:
> 15%
vs Sector:
At sector avg
|
— |
| FCF Margin (%) (%) N/A | N/A | N/A | N/A | N/A |
| FCF / Net Income (x) N/A | N/A | N/A | N/A | N/A |
| Metric | FY 2025 Dec 31, 2025 10-K ↗ | FY 2024 Dec 31, 2024 10-K ↗ | FY 2023 Dec 31, 2023 10-K ↗ | FY 2022 Dec 31, 2022 10-K ↗ |
|---|---|---|---|---|
| Return on Invested Capital (%) N/A | N/A | N/A | N/A | N/A |
| Return on Capital (%) (%) |
108.7%
Excellent
Excellent
Operating profit relative to total assets
Optimal:
> 10%
|
142.1%
Excellent
Excellent
Operating profit relative to total assets
Optimal:
> 10%
|
— | — |
| Return on Common Equity (%) (%) |
-16.4%
Weak
↓
Weak
Declining
Profit generated per dollar of shareholder equity
Optimal:
> 15%
vs Sector:
Below avg (-237%)
|
-9.5%
Weak
Weak
Profit generated per dollar of shareholder equity
Optimal:
> 15%
vs Sector:
Below avg (-179%)
|
-4.6%
Weak
Weak
Profit generated per dollar of shareholder equity
Optimal:
> 15%
vs Sector:
Below avg (-138%)
|
— |
| Metric | FY 2025 Dec 31, 2025 10-K ↗ | FY 2024 Dec 31, 2024 10-K ↗ | FY 2023 Dec 31, 2023 10-K ↗ | FY 2022 Dec 31, 2022 10-K ↗ |
|---|---|---|---|---|
| Debt to Equity (x) |
0.00x
Excellent
Excellent
Total debt relative to shareholder equity
Optimal:
< 0.6x
vs Sector:
Below avg (-100%)
|
-0.34x
Excellent
Excellent
Total debt relative to shareholder equity
Optimal:
< 0.6x
vs Sector:
Below avg (-128%)
|
— | — |
| Interest Coverage (x) N/A | N/A | N/A | N/A | N/A |
| Net Debt (USD) N/A | N/A | N/A | N/A | N/A |
| Debt / EBITDA (x) N/A | N/A | N/A | N/A | N/A |
Secondary lens
Benchmark Lens
Compare NP against peers after checking the statement evidence.
Open lens
Benchmark Lens
Compare NP against peers after checking the statement evidence.
Signals
Key bullish and bearish indicators for NP
Debt to Equity is in the top quartile (lower is better)
Operating Margin (%) is in the top quartile
Profit Margin (%) is in the top quartile
No bearish signals detected
Percentile Rankings
How NP compares to all companies
Peer Comparison
NP vs similar peers
Compare NP with peers
Stack NP against similar companies across every metric on this page.
north_east Open comparisonbar_chart Data from SEC EDGAR XBRL filings
Synced 4 days ago 4 years · 13 quarters