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Neptune Insurance Holdings Inc.Neptune Insurance Holdings Inc. reported revenue of $159.55M in its most recent fiscal year, up 33.7% on the year before. It kept 23.4% of that as net income. Figures below are compared against other companies classified under Insurance Agents, Brokers & Service.
Grades vs. industry
Growth
| Metric | Company | Industry median | Rank |
|---|---|---|---|
Revenue growth (YoY) Latest fiscal year revenue vs. the year before. | 33.7% | 16.7% | 6 / 30 |
Revenue growth (3y) Annualized revenue growth over three fiscal years. | Not reported | 11.2% | — |
Revenue growth (5y) Annualized revenue growth over five fiscal years. | Not reported | 9.3% | — |
EPS growth (YoY) Diluted EPS vs. the prior fiscal year. | -262.5% | 3.2% | 14 / 16 |
EPS growth (3y) Annualized diluted EPS growth over three fiscal years. | Not reported | 11.8% | — |
EPS growth (5y) Annualized diluted EPS growth over five fiscal years. | Not reported | 14.9% | — |
Free cash flow growth (YoY) Operating cash flow less capital expenditure, vs. prior year. | Not reported | 22.0% | — |
Free cash flow growth (3y) Annualized free cash flow growth over three fiscal years. | Not reported | 24.5% | — |
top third of peersmiddle thirdbottom third. Rank 1 is always best — for debt and payout ratios that means the lowest figure, not the highest.
“Not reported” means the company did not tag this figure in its filing, not that the value is zero. Rankings are hidden where fewer than 5 classified peers reported the metric, and compare against a broad industry code rather than close competitors.
Profitability
| Metric | Company | Industry median | Rank |
|---|---|---|---|
Gross margin Gross profit as a share of revenue. Often unreported. | Not reported | 42.2% | — |
Operating margin Operating income as a share of revenue. | 44.5% | 10.7% | 1 / 20 |
Net margin Net income as a share of revenue. | 23.4% | 7.4% | 3 / 30 |
Free cash flow margin Free cash flow as a share of revenue. | Not reported | 11.5% | — |
Return on equity Net income divided by shareholder equity. | Not reported | 10.4% | — |
Return on assets Net income divided by total assets. | 57.3% | 4.8% | 1 / 29 |
Return on invested capital After-tax operating profit over debt plus equity less cash. | Not reported | 8.5% | — |
top third of peersmiddle thirdbottom third. Rank 1 is always best — for debt and payout ratios that means the lowest figure, not the highest.
“Not reported” means the company did not tag this figure in its filing, not that the value is zero. Rankings are hidden where fewer than 5 classified peers reported the metric, and compare against a broad industry code rather than close competitors.
Financial health
| Metric | Company | Industry median | Rank |
|---|---|---|---|
Debt to equity Total debt divided by shareholder equity. | Not reported | 0.58x | — |
Current ratio Current assets over current liabilities. | 0.99x | 1.22x | 23 / 26 |
Quick ratio Current assets excluding inventory, over current liabilities. | 0.99x | 1.22x | 23 / 26 |
Interest coverage Operating income divided by interest expense. | 3.89x | 3.89x | 6 / 11 |
Net debt to EBITDA Net debt over derived EBITDA. EBITDA is not a GAAP tag; it is computed. | Not reported | 0.52x | — |
top third of peersmiddle thirdbottom third. Rank 1 is always best — for debt and payout ratios that means the lowest figure, not the highest.
“Not reported” means the company did not tag this figure in its filing, not that the value is zero. Rankings are hidden where fewer than 5 classified peers reported the metric, and compare against a broad industry code rather than close competitors.
Insider activity
Trades reported by officers, directors and 10% shareholders on SEC Form 4. None of the last 24 reported transactions were open-market purchases — grants, option exercises and sales make up the majority of insider filings at most companies.
| Date | Insider | Transaction | Shares | Price | Value |
|---|---|---|---|---|---|
| Oct 8, 2026 | Duffy Matthew Paul President & Chief Risk Officer | Open-market sale | 53,639 | $27.88 | $1.50M |
| Oct 8, 2026 | Duffy Matthew Paul President & Chief Risk Officer | Open-market sale | 30,802 | $28.47 | $876.8K |
| Oct 6, 2026 | Duffy Matthew Paul President & Chief Risk Officer | Open-market sale | 41,392 | $27.15 | $1.12M |
| Oct 2, 2026 | Duffy Matthew Paul President & Chief Risk Officer | Open-market sale | 38,537 | $27.65 | $1.07M |
| Oct 2, 2026 | Duffy Matthew Paul President & Chief Risk Officer | Open-market sale | 1,200 | $28.48 | $34.2K |
| Sep 30, 2026 | Burgess Trevor R Chief Executive Officer | Withheld for tax | 254,836 | $27.35 | $6.97M |
| Sep 30, 2026 | Duffy Matthew Paul President & Chief Risk Officer | Withheld for tax | 98,381 | $27.35 | $2.69M |
| Sep 30, 2026 | Steiner James Chief Financial Officer | Withheld for tax | 64,777 | $27.35 | $1.77M |
| Sep 30, 2026 | Carlon Jonathan Winant Director | Withheld for tax | 6,088 | $27.35 | $166.5K |
| Sep 30, 2026 | Carlon Jonathan Winant Director | Grant or award | 9,568 | $0.00 | $0.00 |
| Sep 30, 2026 | Burgess Trevor R Chief Executive Officer | Grant or award | 480,544 | $0.00 | $0.00 |
| Sep 30, 2026 | Melej Cristian A Director | Grant or award | 9,568 | $0.00 | $0.00 |
| Sep 30, 2026 | Steiner James Chief Financial Officer | Grant or award | 75,288 | $0.00 | $0.00 |
| Sep 30, 2026 | Noble David Stanley Edward Director | Grant or award | 28,704 | $0.00 | $0.00 |
| Sep 30, 2026 | Duffy Matthew Paul President & Chief Risk Officer | Grant or award | 191,896 | $0.00 | $0.00 |
| Sep 14, 2026 | Carlon Jonathan Winant Director | Open-market sale | 50,000 | $31.15 | $1.56M |
| Sep 14, 2026 | Steiner James Chief Financial Officer | Other | 3,349,050 | — | — |
| Sep 14, 2026 | Steiner James Chief Financial Officer | Other | 3,349,050 | — | — |
| Sep 9, 2026 | Steiner James Chief Financial Officer | Other | 400,000 | — | — |
| Sep 9, 2026 | Steiner James Chief Financial Officer | Other | 400,000 | — | — |
| Aug 13, 2026 | Steiner James Chief Financial Officer | Open-market sale | 57,012 | $31.71 | $1.81M |
| Aug 12, 2026 | Steiner James Chief Financial Officer | Open-market sale | 42,988 | $31.08 | $1.34M |
| Jul 29, 2026 | FTV VII, L.P., FTV NE-Aggregator, LLC, Growth VII-Centre, L.P., FTV Management VII, L.P. 10% owner | Open-market sale | 1,867,840 | $33.22 | $62.05M |
| Jul 29, 2026 | BSIV Hold 101, LP, BSIV Hold 101 GP, LLC, Bregal Sagemount IV General Partner Jersey Ltd, Bregal Sagemount Management LP, Yoon Gene 10% owner | Open-market sale | 1,632,160 | $33.22 | $54.22M |
A dash under price or value means none was reported, which is normal for grants and gifts — it does not mean the shares were free. Option exercises and awards are compensation arriving on a schedule, not a judgement about the stock.
Annual financials
| Fiscal year | 2025 | 2024 | 2023 |
|---|---|---|---|
| Revenue | $159.55M | $119.30M | $84.87M |
| Operating income | $70.95M | $68.45M | $45.43M |
| Net income | $37.41M | $34.59M | $17.89M |
| EPS (diluted) | -$0.26 | $0.16 | $0.10 |
| Operating cash flow | $51.67M | $49.93M | $18.65M |
| Total assets | $65.30M | $48.15M | — |
| Shareholder equity | -$227.49M | -$365.99M | -$387.60M |
| Total debt | $0.00 | $133.65M | — |
| Cash | $8.04M | $7.09M | $24.32M |
A dash means the figure was not tagged in that year’s filing. It does not mean zero. Figures reflect the most recent filing covering each period, so restated years show their restated values.
Source
Figures come from Neptune Insurance Holdings Inc.’s filings with the SEC, as submitted in XBRL. The most recent annual figures are from a 10-K filed Feb 26, 2026. View filings on EDGAR.