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Neptune Insurance Holdings Inc.

$27.90 ▼ -0.61 (-2.14%) at close

13 Visible periods

28 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Bullish

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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.

Market Cap $3.8B

Dividend Yield —

Revenue Growth 34.3% ↗

Op. Margin 46.9% →

ROIC None

FCF / Share None

Trailing P/E 214.6x

Price / Book —

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Nov 5, 2026.

13-Year Financial Trajectory

Quarterly

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$59.57M

↑ +34.3% —

Net Income Profit after all expenses

$7.35M

↓ -26.1% —

Operating Margin Operating profit as % of sales

46.9%

↓ -1.2% 96th

Long-Term Debt Long-term obligations

$0.00

↓ -100.0% —

trending_up

Bullish 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

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability →

Returns ↓

Financial Health ↑

Financial view

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Annual Quarterly

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📈 Is growth accelerating? 4 metrics

Metric	Q3 FY2026 Sep 30, 2026 10-Q ↗	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q4 FY2022 Dec 31, 2022 10-K ↗
Revenue Growth YoY (%)	34.3% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+471%)	32.8% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+447%)	28.8% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+379%)	—	31.2% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+420%)	—	—	—	—	—	—	—	—
EPS Growth YoY (%)	116.7% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	N/M	0.0% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	33.3% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	0.0% Caution Caution Year-over-year change in earnings per share Optimal: > 10%	—	—	—	—	—	—	—	—
Net Income Growth YoY (%)	-26.1% Weak ↑ Weak Improving Year-over-year change in net income	-26.1% Weak ↓ Weak Declining Year-over-year change in net income	-26.1% Weak ↓ Weak Declining Year-over-year change in net income	-62.6% Weak Weak Year-over-year change in net income	115.5% Excellent Excellent Year-over-year change in net income	—	—	—	—	—	—	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

💰 Are margins durable? 5 metrics

Metric	Q3 FY2026 Sep 30, 2026 10-Q ↗	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q4 FY2022 Dec 31, 2022 10-K ↗
Operating Margin (%) (%)	46.9% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+88%)	47.5% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+90%)	35.6% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+42%)	30.5% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+22%)	46.7% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+87%)	50.6% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+102%)	53.2% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+113%)	—	58.6% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+134%)	—	—	—	—
Effective Tax Rate (%) (%)	30.2% Weak ↓ Weak Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	31.9% Weak ↓ Weak Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	27.1% Caution ↓ Caution Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	52.3% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.6% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.8% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.8% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.0% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.8% Caution Caution Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—
Profit Margin (%) (%)	12.3% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-44%)	13.2% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-40%)	19.4% Good → Good Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-12%)	9.9% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-55%)	22.4% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	23.6% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+7%)	33.9% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+54%)	—	13.6% Fair Fair Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-38%)	—	—	—	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	Q3 FY2026 Sep 30, 2026 10-Q ↗	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q4 FY2022 Dec 31, 2022 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	26.9% Excellent ↑ Excellent Improving Operating profit relative to total assets Optimal: > 10%	26.0% Excellent ↑ Excellent Improving Operating profit relative to total assets Optimal: > 10%	15.8% Excellent ↓ Excellent Declining Operating profit relative to total assets Optimal: > 10%	20.4% Excellent Excellent Operating profit relative to total assets Optimal: > 10%	23.1% Excellent Excellent Operating profit relative to total assets Optimal: > 10%	—	—	38.2% Excellent Excellent Operating profit relative to total assets Optimal: > 10%	—	—	—	—	—
Return on Common Equity (%) (%)	-3.5% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-129%)	-3.3% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-128%)	-3.4% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-129%)	-1.9% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-116%)	-2.0% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-116%)	-1.9% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-116%)	-2.8% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-123%)	-3.2% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-126%)	-1.2% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-110%)	—	—	—	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	Q3 FY2026 Sep 30, 2026 10-Q ↗	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q4 FY2022 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%)	-0.49x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-140%)	—	—	-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	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 6 metrics

Metric	Q3 FY2026 Sep 30, 2026 10-Q ↗	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q4 FY2022 Dec 31, 2022 10-K ↗
Revenue per Share (USD)	$0.43	$0.41	$0.27	—	$0.48	$0.45	$0.31	—	$0.36	—	—	—	—
Basic EPS, GAAP (USD)	$0.13	$0.11	$0.05	$0.08	$0.06	$-0.49	$0.05	$0.06	$0.06	—	—	—	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Book Value per Share (USD)	$-1.54	$-1.61	$-1.54	—	$-5.30	$-5.64	$-3.85	—	$-4.01	—	—	—	—
Tangible Book Value per Share (USD)	$-1.57	$-1.64	$-1.57	—	$-5.34	$-5.64	$-3.85	—	$-4.01	—	—	—	—
Basic Weighted Avg Shares (shares)	137.27M	137.80M	138.24M	—	93.35M	93.35M	93.35M	—	93.35M	—	—	—	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	Q3 FY2026 Sep 30, 2026 10-Q ↗	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q4 FY2022 Dec 31, 2022 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	—	—	—	$0.00	$247.59M	—	—	$125.10M	—	—	—	—	—
Total Equity (USD)	$-211.60M	$-222.24M	$-213.36M	$-227.49M	$-509.55M	$-526.09M	$-359.35M	$-365.99M	$-374.27M	$-383.08M	$-386.15M	$-387.60M	$-58.37M

📋 What is driving earnings? 3 metrics

Metric	Q3 FY2026 Sep 30, 2026 10-Q ↗	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q4 FY2022 Dec 31, 2022 10-K ↗
Sales/Revenue/Turnover (USD)	$59.57M	$55.87M	$37.80M	$43.77M	$44.37M	$42.07M	$29.35M	—	$33.82M	—	—	—	—
Net Income, GAAP (USD)	$7.35M	$7.35M	$7.35M	$4.34M	$9.94M	$9.94M	$9.94M	$11.61M	$4.61M	—	—	—	—
Operating Cash Flow (USD)	$25.88M	$26.71M	$16.69M	$12.75M	—	$8.65M	$14.31M	$14.66M	—	—	—	—	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 4 days ago 4 years · 13 quarters

Neptune Insurance Holdings Inc.

Analytical Summary

13-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

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