Neptune Insurance Holdings Inc.(NP)— Stock Profile, AI Score & Financials
Financials · NYSE · AI-powered stock analysis, 32-signal quality score, SEC EDGAR financials, and institutional holdings. Updated .
Neptune Insurance Holdings Inc. (NP) stock profile, AI quality score, and SEC EDGAR financial data, a Financials sector company. 13F Pro's AI-powered ranking engine scores NP at 68.2/100 on a 32-signal composite quality model, placing it at rank #327 of 2,960 stocks — the top 25% of the AI-ranked universe. NP scores in the top quartile across balance sheet strength (99.0), revenue growth (93.8), free cash flow (90.8). Areas of concern include revenue scale (22.4), which score below median versus the broader universe. Shareholder dilution risk is elevated at 20.2/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q2 2026), Neptune Insurance Holdings Inc. reports quarterly revenue of $55.9M, net income of $15.8M, an operating margin of 47.5%. Top institutional holders of NP by reported 13-F value include FTV Management Company, L.P., Bregal Sagemount IV General Partner Jersey Ltd, T. Rowe Price Investment Management, based on the most recent SEC filings. NP trades on the NYSE exchange and files with the SEC under CIK 2067129. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate NP daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for Neptune Insurance Holdings Inc. directly from SEC EDGAR.
AI Quality Score
68.2/100
AI Rank
#327
Revenue
$55.9M
Net Income
$15.8M
Operating Margin
47.5%
NP key financials by period
Neptune Insurance Holdings Inc. reported revenue, net income and margins by fiscal period, from SEC filings.
Period
Form
Revenue
Net income
Operating margin
FY 2025
10-K
$159.6M
$37.4M
44.5%
FY 2024
10-K
$119.3M
$34.6M
57.4%
FY 2023
10-K
$84.9M
$17.9M
53.5%
Institutions holding NP
Institutional investors reporting a position in Neptune Insurance Holdings Inc. on SEC Form 13F.
AI-extracted from the 10-Q filed 2026-07-27 — Q2 FY2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.
Neptune's Q2 FY2026 revenue grew 32.8% YoY to $55.9M with Adjusted EBITDA margin expanding to 61.7%, even as premium retention slipped to 92.1% from 99.9% a year ago.
Biggest Revenue Drivers
Commission income$42.5M+32.7% YoY
Driven by growth in written premium and an increase in average ceding commission
Fee income$13.3M+33.4% YoY
Increased volumes of new business and higher renewal acceptance rates drove growth
Biggest Revenue Drivers
Total revenue: $55.9M+32.8% YoY
Commission income$42.5M+32.7% YoY
Driven by growth in written premium and an increase in average ceding commission
Fee income$13.3M+33.4% YoY
Increased volumes of new business and higher renewal acceptance rates drove growth
Largest Expense Items
Agent commissions$16.5M+29.7% YoY
Volume-driven increase resulting from higher policy sales
Share-based compensation$7.0MNM (from $0.1M)
Recognition of expense associated with RSUs granted in 2025
Higher amortization of capitalized software development costs from continued platform investment
Margins: Adjusted EBITDA margin rose to 61.7% from 60.0% YoY, which the company attributes to higher revenue driving increased operating leverage; net income margin also improved to 28.3% from 27.6%.
Watch Items from the Filing
Premium retention rate fell to 92.1% from 99.9% and revenue retention rate fell to 89.5% from 92.3% YoY, a 7.8pp and 2.8pp decline respectively.
No single customer accounted for more than 10% of condensed consolidated revenue in Q2 FY2026 or Q2 FY2025.
Insurance agent and broker partners were responsible for over 96% of policies in force as of June 30, 2026, concentrating distribution risk in third parties.
Board authorized a $100.0M share repurchase program (April 2026) with $94.1M remaining, plus a separate $26.0M repurchase tied to the May 2026 secondary offering.
Effective tax rate rose to 31.9% for the quarter from 25.8% a year earlier, driven by limitations on officer compensation deductions and state income taxes.
AI-extracted and verified against SEC EDGAR filing text. Not investment advice.
