Neptune Insurance Holdings Inc.
NPNYSEFinancials · Insurance Agents, Brokers & Service · DE · SEC filings ↗ · Compare ⊕
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SEC XBRL · annual| FY25 | FY24 | FY23 | |
|---|---|---|---|
| Revenue | $159.6M | $119.3M | $84.9M |
| Operating income | $71.0M | $68.4M | $45.4M |
| Net income | $37.4M | $34.6M | $17.9M |
| Total assets | $65.3M | $48.2M | — |
| Total liabilities | $292.8M | $173.7M | — |
| Equity | −$227.5M | −$366.0M | −$387.6M |
| EPS (diluted) | $-0.26 | $0.16 | $0.10 |
| Shares out. | 104.5M | 93.3M | 93.5M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2025- Operating margin
- 44.5%
- Net margin
- 23.4%
- Return on equity
- −16.4%
- Return on assets
- 57.3%
- Return on capital (ROCE)
- 567.4%
- Liabilities / assets
- 448.4%
- Debt / equity
- —
- Book value / share
- $-2.18
- Revenue growth (YoY)
- 33.7%
- Net income growth (YoY)
- 8.2%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2025- Altman Z″ (distress)
- -19.23distress
- Accruals / assets
- −21.8%clean
- Piotroski F-Score
- 4/9mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.
Signs
● 2 severe● 1 warning● 4 good- Negative shareholder equity
- Altman Z″ in the distress zone
- High leverage (liabilities > 70% of assets)
- Operating margin is positive
- Revenue is growing year-over-year
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
5%+ owners
SEC Schedule 13D / 13G · last 3 yrs- T. Rowe Price Investment Management, Inc.Passive (13G)May 15, 2026
- Carlon Jonathan WinantPassive (13G)Nov 14, 2025
- Burgess Trevor RPassive (13G)Nov 14, 2025
- Bsiv Hold 101, LpPassive (13G)Nov 7, 2025
- Ftv Vii, L.P.Passive (13G)Nov 7, 2025
Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.
Short interest
FINRA · bi-monthly| Settlement | Shares short | Days to cover | Δ vs prior |
|---|---|---|---|
| May 15, 2026 | 1.1M | 1.0 | +10.3% |
| Apr 30, 2026 | 1.0M | 3.0 | -11.8% |
| Apr 15, 2026 | 1.2M | 3.7 | -6.1% |
| Mar 31, 2026 | 1.2M | 3.4 | -7.4% |
| Mar 13, 2026 | 1.3M | 3.5 | -9.0% |
Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.
Material events
SEC Form 8-K · most recent- Shareholder voteJun 1, 2026
- Results of operations · Other material eventApr 22, 2026
- Results of operationsFeb 18, 2026
- Results of operationsNov 12, 2025
- Amended charter or bylawsOct 7, 2025
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.