What is the 13F Pro Quality Score for NP?

13F Pro ranks Neptune Insurance Holdings Inc. (NP) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View NP's current score at https://13fpro.ai/company/NP (free sign-up required for the full ranking).

Where does 13F Pro source NP data?

All Neptune Insurance Holdings Inc. fundamentals and ownership data come directly from SEC EDGAR. Neptune Insurance Holdings Inc. files with the SEC under CIK 2067129. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is NP in?

Neptune Insurance Holdings Inc. (NP) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

What drives NP's revenue?

Per Neptune Insurance Holdings Inc.'s latest 10-Q filed with the SEC on 2026-07-27, the biggest revenue drivers are: Commission income ($42.5M, +32.7% YoY); Fee income ($13.3M, +33.4% YoY). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/company/NP.

What are NP's largest expenses?

Neptune Insurance Holdings Inc.'s latest 10-Q reports these as the largest expense items: Agent commissions ($16.5M, +29.7% YoY); Share-based compensation ($7.0M, NM (from $0.1M)); General and administrative ($3.5M, +30.2% YoY). Sourced directly from SEC EDGAR filing text for Q2 FY2026 (quarter ended June 30, 2026).

How often is NP research updated on 13F Pro?

NP's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

Neptune Insurance Holdings Inc.(NP)Stock Analysis

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Financials →NYSEmid

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SEC EDGAR: CIK 2067129 NP stock profile & AI dashboard →

13F Pro Quality Score

68.2/100

Rank #329 of 2,961 stocksTOP 25%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

93.8/100

Profitability

81.0/100

Balance Sheet

99.0/100

Earnings Quality

76.2/100

Free Cash Flow

90.8/100

Institutional Flow

66.7/100

Revenue Scale

22.4/100

Dilution Risk

20.2/100

Email me the moment this company reports earnings

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Why NP Scores 68/100

exact factor attribution · 2026-09-11

NP's composite is driven by revenue growth and capital efficiency, held back by scale and shareholder dilution. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Revenue growth

+11.7 pts

94th pct

Capital efficiency

+6.5 pts

99th pct

Profitability

+6.2 pts

81th pct

Free cash flow

+6.1 pts

91th pct

Earnings quality

+2.6 pts

76th pct

Institutional flow

+1.1 pts

67th pct

Earnings growth

+0.1 pts

52th pct

Shareholder dilution

-2.0 pts

20th pct

Scale

-5.5 pts

22th pct

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

NP Stock Analysis & AI Quality Score

Data updated 2026-09-11

AI stock analysis and institutional research for Neptune Insurance Holdings Inc. (NP), 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 #329 of 2,961 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. Neptune Insurance Holdings Inc.'s 13F Pro composite quality score has ranged between 44 and 70 since 2026, currently 68.2 — a stable long-term trajectory across 47 quarterly and live scoring snapshots.

What's Driving NP's Business? Latest 10-Q Breakdown

✓ 29/29 datapoints verified

AI-extracted from Neptune Insurance Holdings Inc.'s 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

General and administrative$3.5M+30.2% YoY

Higher advertising fees, sales-linked policy administration costs, and LLM maintenance costs

Amortization expense$1.0M+11.5% YoY

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.

Read the full 10-Q on SEC EDGAR →Share on X

Revenue

Q2 2026

$55.9M

Net Income

Q2 2026

$15.8M

Operating Margin

Q2 2026

47.5%

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+33.7% YoY

$159.6MFY 2025

FY22 —FY23 $84.9MFY24 $119.3MFY25 $159.6M

Net Income

+8.2% YoY

$37.4MFY 2025

FY22 —FY23 $17.9MFY24 $34.6MFY25 $37.4M

Operating Income

+3.7% YoY

$71.0MFY 2025

FY22 —FY23 $45.4MFY24 $68.4MFY25 $71.0M

EPS (Diluted)

-1725.0% YoY

$-0.26FY 2025

FY22 —FY23 $0.01FY24 $0.02FY25 $-0.26

Total Assets

+35.6% YoY

$65.3MFY 2025

FY22 —FY23 —FY24 $48.2MFY25 $65.3M

Total Debt

-100.0% YoY

$0.00FY 2025

FY22 —FY23 —FY24 $133.7MFY25 $0.00

Op. Cash Flow

+3.5% YoY

$51.7MFY 2025

FY22 —FY23 $18.6MFY24 $49.9MFY25 $51.7M

Metric	FY 2025	FY 2024	FY 2023	FY 2022
Revenue	$159.6M +33.7%	$119.3M +40.6%	$84.9M	—
Net Income	$37.4M +8.2%	$34.6M +93.4%	$17.9M	—
Operating Income	$71.0M +3.7%	$68.4M +50.7%	$45.4M	—
EPS (Diluted)	$-0.26 -1725.0%	$0.02 +60.0%	$0.01	—
Total Assets	$65.3M +35.6%	$48.2M	—	—
Total Debt	$0.00 -100.0%	$133.7M	—	—
Operating Cash Flow	$51.7M +3.5%	$49.9M +167.7%	$18.6M	—

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Available Research

13F Pro tracks comprehensive data for Neptune Insurance Holdings Inc. including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of NP

FTV Management Company, L.P.
$513.8M16,310,781 sh
Bregal Sagemount IV General Partner Jersey Ltd
$449.0M14,252,718 sh
T. Rowe Price Investment Management, Inc.
$181.6M5,764,064 sh
BlackRock, Inc.
$85.2M2,706,202 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$48.7M1,544,775 sh
Azora Capital LP
$46.2M1,467,570 sh
VANGUARD CAPITAL MANAGEMENT LLC
$44.1M1,398,858 sh
JPMORGAN CHASE & CO
$41.1M1,348,503 sh
DRIEHAUS CAPITAL MANAGEMENT LLC
$40.9M1,297,130 sh
ALLIANCEBERNSTEIN L.P.
$37.8M1,562,853 sh

Fund	Value	Shares
FTV Management Company, L.P.	$513.8M	16,310,781
Bregal Sagemount IV General Partner Jersey Ltd	$449.0M	14,252,718
T. Rowe Price Investment Management, Inc.	$181.6M	5,764,064
BlackRock, Inc.	$85.2M	2,706,202
VANGUARD PORTFOLIO MANAGEMENT LLC	$48.7M	1,544,775
Azora Capital LP	$46.2M	1,467,570
VANGUARD CAPITAL MANAGEMENT LLC	$44.1M	1,398,858
JPMORGAN CHASE & CO	$41.1M	1,348,503
DRIEHAUS CAPITAL MANAGEMENT LLC	$40.9M	1,297,130
ALLIANCEBERNSTEIN L.P.	$37.8M	1,562,853

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Is NP a good stock to buy?

13F Pro's AI-powered analysis of Neptune Insurance Holdings Inc. (NP) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on NYSE). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for NP are available on the NP stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing. NP is classified as a mid company.

Which hedge funds own NP?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling NP. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of Neptune Insurance Holdings Inc.'s investment landscape.