Neptune Insurance (NP) Financials

$28.62 -2.07 (-6.73%)

As of 12:54 PM Eastern

Annual Income Statements for Neptune Insurance

This table shows Neptune Insurance's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2023	2024	2025
Period end date	12/31/2023	12/31/2024	12/31/2025
Net Income / (Loss) Attributable to Common Shareholders	9.75	15	-27
Consolidated Net Income / (Loss)	18	35	37
Net Income / (Loss) Continuing Operations	18	35	37
Total Pre-Tax Income	24	46	54
Total Operating Income	45	68	71
Total Gross Profit	85	119	160
Total Revenue	85	119	160
Operating Revenue	85	119	160
Total Cost of Revenue	0.00	0.00	0.00
Total Operating Expenses	39	51	89
Selling, General & Admin Expense	33	43	59
Amortization Expense	2.18	3.03	3.71
Other Operating Expenses / (Income)	4.35	4.75	26
Total Other Income / (Expense), net	-22	-22	-17
Interest Expense	22	23	18
Interest & Investment Income	0.31	0.88	0.92
Income Tax Expense	5.97	12	16
Preferred Stock Dividends Declared	8.14	20	65
Basic Earnings per Share	$0.10	$0.16	($0.26)
Weighted Average Basic Shares Outstanding	93.52M	93.35M	104.50M
Diluted Earnings per Share	$0.10	$0.16	($0.26)
Weighted Average Diluted Shares Outstanding	93.52M	93.35M	104.50M
Weighted Average Basic & Diluted Shares Outstanding	-	-	138.15M

This table shows Neptune Insurance's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q1 2025	Q1 2026
Period end date	3/31/2025	3/31/2026
Net Income / (Loss) Attributable to Common Shareholders	4.53	7.35
Consolidated Net Income / (Loss)	9.94	7.35
Net Income / (Loss) Continuing Operations	9.94	7.35
Total Pre-Tax Income	13	10
Total Operating Income	16	13
Total Gross Profit	29	38
Total Revenue	29	38
Operating Revenue	29	38
Total Cost of Revenue	0.00	0.00
Total Operating Expenses	14	24
Selling, General & Admin Expense	11	15
Amortization Expense	0.87	1.00
Other Operating Expenses / (Income)	1.41	8.42
Total Other Income / (Expense), net	-2.23	-3.37
Interest Expense	2.40	3.53
Interest & Investment Income	0.17	0.17
Income Tax Expense	3.46	2.73
Preferred Stock Dividends Declared	5.41	0.00
Basic Earnings per Share	$0.05	$0.05
Weighted Average Basic Shares Outstanding	93.35M	138.24M
Diluted Earnings per Share	$0.05	$0.05
Weighted Average Diluted Shares Outstanding	93.35M	145.76M
Weighted Average Basic & Diluted Shares Outstanding	-	138.33M

This table details how cash moves in and out of Neptune Insurance's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2023	2024	2025
Period end date	12/31/2023	12/31/2024	12/31/2025
Net Change in Cash & Equivalents	4.75	3.75	12
Net Cash From Operating Activities	19	50	52
Net Cash From Continuing Operating Activities	19	50	52
Net Income / (Loss) Continuing Operations	18	35	37
Consolidated Net Income / (Loss)	18	35	37
Amortization Expense	3.41	3.93	4.35
Non-Cash Adjustments To Reconcile Net Income	0.62	4.47	11
Changes in Operating Assets and Liabilities, net	-3.27	6.93	-1.30
Net Cash From Investing Activities	-4.03	-3.71	-3.98
Net Cash From Continuing Investing Activities	-4.03	-3.71	-3.98
Purchase of Property, Plant & Equipment	-4.03	-3.71	-3.91
Acquisitions	0.00	0.00	-0.06
Net Cash From Financing Activities	-9.87	-42	-35
Net Cash From Continuing Financing Activities	-9.87	-42	-35
Repayment of Debt	-85	-219	-448
Repurchase of Common Equity	-10	0.00	0.00
Payment of Dividends	-339	0.00	-175
Issuance of Debt	190	171	552
Issuance of Preferred Equity	219	0.00	0.00
Issuance of Common Equity	10	0.00	0.00
Other Financing Activities, net	5.40	5.41	36
Cash Interest Paid	20	17	17
Cash Income Taxes Paid	8.60	7.31	20

This table details how cash moves in and out of Neptune Insurance's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q1 2025	Q1 2026
Period end date	3/31/2025	3/31/2026
Net Change in Cash & Equivalents	25	20
Net Cash From Operating Activities	14	17
Net Cash From Continuing Operating Activities	14	17
Net Income / (Loss) Continuing Operations	9.94	7.35
Consolidated Net Income / (Loss)	9.94	7.35
Amortization Expense	0.98	1.09
Non-Cash Adjustments To Reconcile Net Income	1.53	7.10
Changes in Operating Assets and Liabilities, net	1.86	1.15
Net Cash From Investing Activities	-0.91	-1.10
Net Cash From Continuing Investing Activities	-0.91	-1.10
Purchase of Property, Plant & Equipment	-0.91	-1.10
Net Cash From Financing Activities	11	4.25
Net Cash From Continuing Financing Activities	11	4.25
Repayment of Debt	-4.00	-14
Other Financing Activities, net	15	18

This table presents Neptune Insurance's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2024	2025
Period end date	12/31/2024	12/31/2025
Total Assets	48	65
Total Current Assets	35	52
Cash & Equivalents	7.09	8.04
Restricted Cash	21	33
Prepaid Expenses	0.45	1.31
Current Deferred & Refundable Income Taxes	0.00	1.15
Other Current Assets	6.71	9.46
Plant, Property, & Equipment, net	0.00	0.00
Total Noncurrent Assets	13	13
Goodwill	3.79	3.79
Intangible Assets	6.23	6.50
Noncurrent Deferred & Refundable Income Taxes	2.80	0.80
Other Noncurrent Operating Assets	0.10	1.75
Total Liabilities & Shareholders' Equity	48	65
Total Liabilities	174	293
Total Current Liabilities	49	53
Accounts Payable	7.17	10
Accrued Expenses	3.00	4.77
Customer Deposits	12	19
Current Deferred & Payable Income Tax Liabilities	4.78	0.00
Other Current Liabilities	13	19
Total Noncurrent Liabilities	125	240
Long-Term Debt	125	240
Total Equity & Noncontrolling Interests	-366	-227
Total Preferred & Common Equity	-366	-227
Total Common Equity	-366	-227
Common Stock	0.34	287
Retained Earnings	-366	-514

This table presents Neptune Insurance's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q1 2026
Period end date	3/31/2026
Total Assets	85
Total Current Assets	72
Cash & Equivalents	11
Restricted Cash	50
Prepaid Expenses	1.24
Current Deferred & Refundable Income Taxes	0.00
Other Current Assets	11
Plant, Property, & Equipment, net	0.00
Total Noncurrent Assets	13
Goodwill	3.79
Intangible Assets	6.59
Noncurrent Deferred & Refundable Income Taxes	0.79
Other Noncurrent Operating Assets	1.66
Total Liabilities & Shareholders' Equity	85
Total Liabilities	299
Total Current Liabilities	72
Accounts Payable	8.69
Accrued Expenses	5.46
Customer Deposits	32
Current Deferred & Payable Income Tax Liabilities	1.55
Other Current Liabilities	24
Total Noncurrent Liabilities	227
Long-Term Debt	227
Total Equity & Noncontrolling Interests	-213
Total Preferred & Common Equity	-213
Total Common Equity	-213
Common Stock	294
Retained Earnings	-507

This table displays calculated financial ratios and metrics derived from Neptune Insurance's official financial filings.

Metric	2023	2024	2025
Period end date	12/31/2023	12/31/2024	12/31/2025
Growth Metrics	-	-	-
Revenue Growth	0.00%	40.57%	33.74%
EBITDA Growth	0.00%	48.19%	4.04%
EBIT Growth	0.00%	50.66%	3.67%
NOPAT Growth	0.00%	49.88%	-3.05%
Net Income Growth	0.00%	93.40%	8.16%
EPS Growth	0.00%	60.00%	-262.50%
Operating Cash Flow Growth	0.00%	167.74%	3.49%
Free Cash Flow Firm Growth	0.00%	0.00%	-18.84%
Invested Capital Growth	0.00%	0.00%	-40.71%
Revenue Q/Q Growth	0.00%	0.00%	0.00%
EBITDA Q/Q Growth	0.00%	0.00%	0.00%
EBIT Q/Q Growth	0.00%	0.00%	0.00%
NOPAT Q/Q Growth	0.00%	0.00%	0.00%
Net Income Q/Q Growth	0.00%	0.00%	0.00%
EPS Q/Q Growth	0.00%	0.00%	0.00%
Operating Cash Flow Q/Q Growth	0.00%	0.00%	0.00%
Free Cash Flow Firm Q/Q Growth	0.00%	0.00%	0.00%
Invested Capital Q/Q Growth	0.00%	0.00%	0.00%
Profitability Metrics	-	-	-
Gross Margin	100.00%	100.00%	100.00%
EBITDA Margin	57.55%	60.67%	47.19%
Operating Margin	53.53%	57.37%	44.47%
EBIT Margin	53.53%	57.37%	44.47%
Profit (Net Income) Margin	21.07%	29.00%	23.45%
Tax Burden Percent	74.97%	74.58%	69.75%
Interest Burden Percent	52.51%	67.76%	75.59%
Effective Tax Rate	25.03%	25.42%	30.25%
Return on Invested Capital (ROIC)	0.00%	0.00%	0.00%
ROIC Less NNEP Spread (ROIC-NNEP)	0.00%	0.00%	0.00%
Return on Net Nonoperating Assets (RNNOA)	0.00%	0.00%	0.00%
Return on Equity (ROE)	0.00%	-27.56%	-21.20%
Cash Return on Invested Capital (CROIC)	0.00%	0.00%	0.00%
Operating Return on Assets (OROA)	0.00%	142.15%	125.08%
Return on Assets (ROA)	0.00%	71.84%	65.95%
Return on Common Equity (ROCE)	0.00%	-80.36%	-35.64%
Return on Equity Simple (ROE_SIMPLE)	0.00%	0.00%	0.00%
Net Operating Profit after Tax (NOPAT)	34	51	49
NOPAT Margin	40.13%	42.79%	31.02%
Net Nonoperating Expense Percent (NNEP)	0.00%	31.17%	7.92%
Return On Investment Capital (ROIC_SIMPLE)	-	-21.97%	395.77%
Cost of Revenue to Revenue	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	38.78%	36.11%	37.03%
R&D to Revenue	0.00%	0.00%	0.00%
Operating Expenses to Revenue	46.47%	42.63%	55.53%
Earnings before Interest and Taxes (EBIT)	45	68	71
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	49	72	75
Valuation Ratios	-	-	-
Price to Book Value (P/BV)	0.00	0.00	0.00
Price to Tangible Book Value (P/TBV)	0.00	0.00	0.00
Price to Revenue (P/Rev)	4.34	3.09	19.10
Price to Earnings (P/E)	37.78	25.03	0.00
Dividend Yield	0.00%	0.00%	0.00%
Earnings Yield	2.65%	4.00%	0.00%
Enterprise Value to Invested Capital (EV/IC)	0.00	0.00	0.00
Enterprise Value to Revenue (EV/Rev)	0.00	5.99	20.35
Enterprise Value to EBITDA (EV/EBITDA)	0.00	9.87	43.12
Enterprise Value to EBIT (EV/EBIT)	0.00	10.44	45.76
Enterprise Value to NOPAT (EV/NOPAT)	0.00	14.00	65.60
Enterprise Value to Operating Cash Flow (EV/OCF)	0.00	14.31	62.84
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	10.07	56.36
Leverage & Solvency	-	-	-
Debt to Equity	0.00	-1.06	-1.06
Long-Term Debt to Equity	0.00	-1.00	-1.06
Financial Leverage	0.00	-0.84	-0.86
Leverage Ratio	0.00	-0.38	-0.32
Compound Leverage Factor	0.00	-0.26	-0.24
Debt to Total Capital	0.00%	1,642.71%	1,919.08%
Short-Term Debt to Total Capital	0.00%	105.09%	0.00%
Long-Term Debt to Total Capital	0.00%	1,537.62%	1,919.08%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	2,955.67%	0.00%
Common Equity to Total Capital	0.00%	-4,498.38%	-1,819.08%
Debt to EBITDA	0.00	1.85	3.19
Net Debt to EBITDA	0.00	1.46	2.65
Long-Term Debt to EBITDA	0.00	1.73	3.19
Debt to NOPAT	0.00	2.62	4.85
Net Debt to NOPAT	0.00	2.07	4.03
Long-Term Debt to NOPAT	0.00	2.45	4.85
Altman Z-Score	0.00	-2.54	1.24
Noncontrolling Interest Sharing Ratio	0.00%	-191.59%	-68.12%
Liquidity Ratios	-	-	-
Current Ratio	0.00	0.73	0.99
Quick Ratio	0.00	0.15	0.15
Cash Flow Metrics	-	-	-
Free Cash Flow to Firm (FCFF)	0.00	71	58
Operating Cash Flow to CapEx	462.70%	1,344.63%	1,320.13%
Free Cash Flow to Firm to Interest Expense	0.00	3.09	3.16
Operating Cash Flow to Interest Expense	0.85	2.18	2.83
Operating Cash Flow Less CapEx to Interest Expense	0.67	2.01	2.62
Efficiency Ratios	-	-	-
Asset Turnover	0.00	2.48	2.81
Accounts Receivable Turnover	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00
Fixed Asset Turnover	0.00	0.00	0.00
Accounts Payable Turnover	0.00	0.00	0.00
Days Sales Outstanding (DSO)	0.00	0.00	0.00
Days Inventory Outstanding (DIO)	0.00	0.00	0.00
Days Payable Outstanding (DPO)	0.00	0.00	0.00
Cash Conversion Cycle (CCC)	0.00	0.00	0.00
Capital & Investment Metrics	-	-	-
Invested Capital	0.00	-20	-28
Invested Capital Turnover	0.00	-11.97	-6.65
Increase / (Decrease) in Invested Capital	0.00	-20	-8.11
Enterprise Value (EV)	0.00	714	3,247
Market Capitalization	368	368	3,047
Book Value per Share	$0.00	($3.92)	($2.18)
Tangible Book Value per Share	$0.00	($4.03)	($2.28)
Total Capital	0.00	8.14	13
Total Debt	0.00	134	240
Total Long-Term Debt	0.00	125	240
Net Debt	0.00	106	199
Capital Expenditures (CapEx)	4.03	3.71	3.91
Debt-free, Cash-free Net Working Capital (DFCFNWC)	0.00	-33	-41
Debt-free Net Working Capital (DFNWC)	0.00	-4.79	-0.33
Net Working Capital (NWC)	0.00	-13	-0.33
Net Nonoperating Expense (NNE)	16	16	12
Net Nonoperating Obligations (NNO)	0.00	106	199
Total Depreciation and Amortization (D&A)	3.41	3.93	4.35
Debt-free, Cash-free Net Working Capital to Revenue	0.00%	-27.54%	-25.62%
Debt-free Net Working Capital to Revenue	0.00%	-4.02%	-0.21%
Net Working Capital to Revenue	0.00%	-11.18%	-0.21%
Earnings Adjustments	-	-	-
Adjusted Basic Earnings per Share	$0.00	$0.00	($0.26)
Adjusted Weighted Average Basic Shares Outstanding	0.00	0.00	104.50M
Adjusted Diluted Earnings per Share	$0.00	$0.00	($0.26)
Adjusted Weighted Average Diluted Shares Outstanding	0.00	0.00	104.50M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	0.00	0.00	138.15M
Normalized Net Operating Profit after Tax (NOPAT)	34	51	49
Normalized NOPAT Margin	40.13%	42.79%	31.02%
Pre Tax Income Margin	28.11%	38.88%	33.62%
Debt Service Ratios	-	-	-
EBIT to Interest Expense	2.08	2.98	3.89
NOPAT to Interest Expense	1.56	2.22	2.71
EBIT Less CapEx to Interest Expense	1.89	2.82	3.67
NOPAT Less CapEx to Interest Expense	1.37	2.06	2.50
Payout Ratios	-	-	-
Dividend Payout Ratio	1,895.47%	0.00%	467.75%
Augmented Payout Ratio	1,951.38%	0.00%	467.75%

This table displays calculated financial ratios and metrics derived from Neptune Insurance's official financial filings.

Metric	Q1 2025	Q1 2026
Period end date	3/31/2025	3/31/2026
DEI Shares Outstanding	0.00	138,153,530.00
DEI Adjusted Shares Outstanding	0.00	138,153,530.00
DEI Earnings Per Adjusted Shares Outstanding	0.00	0.05
Growth Metrics	-	-
Revenue Growth	0.00%	28.76%
EBITDA Growth	0.00%	-12.49%
EBIT Growth	0.00%	-13.99%
NOPAT Growth	0.00%	-15.45%
Net Income Growth	0.00%	-26.06%
EPS Growth	0.00%	0.00%
Operating Cash Flow Growth	0.00%	16.60%
Free Cash Flow Firm Growth	0.00%	0.00%
Invested Capital Growth	0.00%	0.00%
Revenue Q/Q Growth	0.00%	0.00%
EBITDA Q/Q Growth	0.00%	0.00%
EBIT Q/Q Growth	0.00%	0.00%
NOPAT Q/Q Growth	0.00%	0.00%
Net Income Q/Q Growth	0.00%	0.00%
EPS Q/Q Growth	0.00%	0.00%
Operating Cash Flow Q/Q Growth	0.00%	0.00%
Free Cash Flow Firm Q/Q Growth	0.00%	0.00%
Invested Capital Q/Q Growth	0.00%	0.00%
Profitability Metrics	-	-
Gross Margin	100.00%	100.00%
EBITDA Margin	56.59%	38.46%
Operating Margin	53.24%	35.56%
EBIT Margin	53.24%	35.56%
Profit (Net Income) Margin	33.86%	19.44%
Tax Burden Percent	74.20%	72.94%
Interest Burden Percent	85.72%	74.96%
Effective Tax Rate	25.80%	27.06%
Return on Invested Capital (ROIC)	0.00%	0.00%
ROIC Less NNEP Spread (ROIC-NNEP)	0.00%	0.00%
Return on Net Nonoperating Assets (RNNOA)	0.00%	0.00%
Return on Equity (ROE)	0.00%	-16.32%
Cash Return on Invested Capital (CROIC)	0.00%	0.00%
Operating Return on Assets (OROA)	0.00%	70.04%
Return on Assets (ROA)	0.00%	38.30%
Return on Common Equity (ROCE)	0.00%	-16.32%
Return on Equity Simple (ROE_SIMPLE)	0.00%	0.00%
Net Operating Profit after Tax (NOPAT)	12	9.80
NOPAT Margin	39.50%	25.94%
Net Nonoperating Expense Percent (NNEP)	0.00%	2.95%
Return On Investment Capital (ROIC_SIMPLE)	-	71.87%
Cost of Revenue to Revenue	0.00%	0.00%
SG&A Expenses to Revenue	39.00%	39.51%
R&D to Revenue	0.00%	0.00%
Operating Expenses to Revenue	46.76%	64.44%
Earnings before Interest and Taxes (EBIT)	16	13
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	17	15
Valuation Ratios	-	-
Price to Book Value (P/BV)	0.00	0.00
Price to Tangible Book Value (P/TBV)	0.00	0.00
Price to Revenue (P/Rev)	0.00	20.99
Price to Earnings (P/E)	0.00	0.00
Dividend Yield	0.00%	0.00%
Earnings Yield	0.00%	0.00%
Enterprise Value to Invested Capital (EV/IC)	0.00	0.00
Enterprise Value to Revenue (EV/Rev)	0.00	21.98
Enterprise Value to EBITDA (EV/EBITDA)	0.00	50.43
Enterprise Value to EBIT (EV/EBIT)	0.00	53.69
Enterprise Value to NOPAT (EV/NOPAT)	0.00	77.58
Enterprise Value to Operating Cash Flow (EV/OCF)	0.00	68.32
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00
Leverage & Solvency	-	-
Debt to Equity	0.00	-1.06
Long-Term Debt to Equity	0.00	-1.06
Financial Leverage	0.00	-0.78
Leverage Ratio	0.00	-0.40
Compound Leverage Factor	0.00	-0.30
Debt to Total Capital	0.00%	1,663.98%
Short-Term Debt to Total Capital	0.00%	0.00%
Long-Term Debt to Total Capital	0.00%	1,663.98%
Preferred Equity to Total Capital	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%
Common Equity to Total Capital	0.00%	-1,563.98%
Debt to EBITDA	0.00	3.10
Net Debt to EBITDA	0.00	2.28
Long-Term Debt to EBITDA	0.00	3.10
Debt to NOPAT	0.00	4.77
Net Debt to NOPAT	0.00	3.50
Long-Term Debt to NOPAT	0.00	4.77
Altman Z-Score	0.00	1.26
Noncontrolling Interest Sharing Ratio	0.00%	0.00%
Liquidity Ratios	-	-
Current Ratio	0.00	1.01
Quick Ratio	0.00	0.15
Cash Flow Metrics	-	-
Free Cash Flow to Firm (FCFF)	0.00	57
Operating Cash Flow to CapEx	1,573.08%	1,522.90%
Free Cash Flow to Firm to Interest Expense	0.00	16.02
Operating Cash Flow to Interest Expense	5.96	4.73
Operating Cash Flow Less CapEx to Interest Expense	5.58	4.42
Efficiency Ratios	-	-
Asset Turnover	0.00	1.97
Accounts Receivable Turnover	0.00	0.00
Inventory Turnover	0.00	0.00
Fixed Asset Turnover	0.00	0.00
Accounts Payable Turnover	0.00	0.00
Days Sales Outstanding (DSO)	0.00	0.00
Days Inventory Outstanding (DIO)	0.00	0.00
Days Payable Outstanding (DPO)	0.00	0.00
Cash Conversion Cycle (CCC)	0.00	0.00
Capital & Investment Metrics	-	-
Invested Capital	0.00	-47
Invested Capital Turnover	0.00	-7.19
Increase / (Decrease) in Invested Capital	0.00	-47
Enterprise Value (EV)	0.00	3,692
Market Capitalization	368	3,526
Book Value per Share	$0.00	($1.54)
Tangible Book Value per Share	$0.00	($1.62)
Total Capital	0.00	14
Total Debt	0.00	227
Total Long-Term Debt	0.00	227
Net Debt	0.00	167
Capital Expenditures (CapEx)	0.91	1.10
Debt-free, Cash-free Net Working Capital (DFCFNWC)	0.00	-60
Debt-free Net Working Capital (DFNWC)	0.00	0.81
Net Working Capital (NWC)	0.00	0.81
Net Nonoperating Expense (NNE)	1.66	2.46
Net Nonoperating Obligations (NNO)	0.00	167
Total Depreciation and Amortization (D&A)	0.98	1.09
Debt-free, Cash-free Net Working Capital to Revenue	0.00%	-35.47%
Debt-free Net Working Capital to Revenue	0.00%	0.48%
Net Working Capital to Revenue	0.00%	0.48%
Earnings Adjustments	-	-
Adjusted Basic Earnings per Share	$0.00	$0.05
Adjusted Weighted Average Basic Shares Outstanding	0.00	138.24M
Adjusted Diluted Earnings per Share	$0.00	$0.05
Adjusted Weighted Average Diluted Shares Outstanding	0.00	145.76M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	0.00	138.33M
Normalized Net Operating Profit after Tax (NOPAT)	12	9.80
Normalized NOPAT Margin	39.50%	25.94%
Pre Tax Income Margin	45.63%	26.66%
Debt Service Ratios	-	-
EBIT to Interest Expense	6.51	3.81
NOPAT to Interest Expense	4.83	2.78
EBIT Less CapEx to Interest Expense	6.13	3.50
NOPAT Less CapEx to Interest Expense	4.45	2.47
Payout Ratios	-	-
Dividend Payout Ratio	0.00%	0.00%
Augmented Payout Ratio	0.00%	0.00%

Financials Breakdown Chart

Neptune Insurance Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Neptune Insurance's financial year ends in December. Their financial year 2025 ended on December 31, 2025.

Neptune Insurance's net income appears to be on an upward trend, with a most recent value of $37.41 million in 2025, rising from $17.89 million in 2023. The previous period was $34.59 million in 2024. See Neptune Insurance's forecast for analyst expectations on what's next for the company.

Neptune Insurance's total operating income in 2025 was $70.96 million, based on the following breakdown:

Total Gross Profit: $159.55 million
Total Operating Expenses: $88.60 million

Over the last 2 years, Neptune Insurance's total revenue changed from $84.87 million in 2023 to $159.55 million in 2025, a change of 88.0%.

Neptune Insurance's total liabilities were at $292.79 million at the end of 2025, a 68.6% increase from 2024, and a 68.6% increase since 2024.

In the past 1 years, Neptune Insurance's cash and equivalents has ranged from $7.09 million in 2024 to $8.04 million in 2025, and is currently $8.04 million as of their latest financial filing in 2025.

Over the last 2 years, Neptune Insurance's book value per share changed from 0.00 in 2023 to -2.18 in 2025, a change of -217.7%.

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Financial statements for NYSE:NP last updated on 5/4/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.

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Neptune Insurance (NP) Financials

Financials Breakdown Chart

Neptune Insurance Financials - Frequently Asked Questions

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Neptune Insurance (NP) Financials

Annual Income Statements for Neptune Insurance

Quarterly Income Statements for Neptune Insurance

Annual Cash Flow Statements for Neptune Insurance

Quarterly Cash Flow Statements for Neptune Insurance

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Quarterly Balance Sheets for Neptune Insurance

Annual Metrics And Ratios for Neptune Insurance

Quarterly Metrics And Ratios for Neptune Insurance

Financials Breakdown Chart

Neptune Insurance Financials - Frequently Asked Questions

When does Neptune Insurance's fiscal year end?

How has Neptune Insurance's net income changed over the last 2 years?

What is Neptune Insurance's operating income?

How has Neptune Insurance's revenue changed over the last 2 years?

How much debt does Neptune Insurance have?

How much cash does Neptune Insurance have?

How has Neptune Insurance's book value per share changed over the last 2 years?

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