Neptune Insurance
NP
27.86
+0.67
+2.46%
Neptune Insurance
US · NP
#2338 by market cap
Listed 2025
27.86
+0.67
+2.46%
Live - 5344 symbols - heartbeat 371s ago
· 2026-10-07 19:54
After-hours
27.86
0.00%
- Market cap
- 3.82B
- P/E (TTM)i
- 102.05
- P/Bi
- -17.21
- EPSi
- -0.20
- Div yieldi
- 0.00%
- 52W posi
- 64%
Reader sentiment
Are you bullish or bearish on NP?
Anonymous reader poll. Unscientific, not investment advice.
✦ Quant Financial Health how this is computed
Good
- Altman Z-Score is 3.28, above the 3.0 "safe zone" threshold.
- Most reliable for industrial/manufacturing companies; less meaningful for banks, insurers and other financials.
Revenue annual, last 3 years
Latest year +33.74% YoY
Margins
- Gross margin
- 58.67%
- Operating margin
- 50.06%
- Net margin
- -17.04%
Key ratios & quality
- Altman Z-Scorei
- 3.28
Altman Z-Score below ~1.8 suggests financial distress risk, above ~3.0 suggests low risk; the model is most reliable for industrial/manufacturing companies and less meaningful for banks and other financial firms.
Income statement
| Line item | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 84.87M | 119.30M | 159.55M |
| Gross profit | 54.51M | 79.23M | 93.60M |
| Selling & admin expenses | 6.90M | 7.76M | 10.02M |
| Research & development | -- | -- | -- |
| Operating profit | 45.43M | 68.45M | 79.87M |
| Pretax profit | 23.86M | 46.38M | 53.64M |
| Tax | 5.97M | 11.79M | 16.22M |
| Net profit | 17.89M | 34.59M | 37.41M |
| Basic EPS | 0 | 0 | 0 |
| Diluted EPS | 0.07 | 0.11 | -0.26 |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Revenue | 29.35M | 42.07M | 44.37M | 43.77M | 37.80M | 55.87M |
| Gross profit | 19.01M | 27.80M | 28.75M | 18.04M | 18.03M | 30.92M |
| Selling & admin expenses | 2.51M | 5.60M | 2.14M | 3.25M | 3.58M | 3.35M |
| Research & development | -- | -- | -- | -- | -- | -- |
| Operating profit | 15.63M | 21.29M | 25.67M | 13.81M | 13.44M | 26.55M |
| Pretax profit | 13.40M | 15.67M | 15.46M | 9.11M | 10.08M | 23.19M |
| Tax | 3.46M | 4.05M | 3.95M | 4.77M | 2.73M | 7.39M |
| Net profit | 9.94M | 11.62M | 11.51M | 4.34M | 7.35M | 15.80M |
| Basic EPS | 0 | 0 | 0 | 0 | 0 | 0 |
| Diluted EPS | 0.03 | -0.34 | 0.04 | 0.03 | 0.05 | 0.11 |
Balance sheet
| Line item | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total current assets | 29.86M | 35.23M | 52.46M |
| Cash & ST investments | 8.13M | 7.09M | 8.04M |
| Inventory | -- | -- | -- |
| Total assets | 41.67M | 48.15M | 65.30M |
| Total current liabilities | 29.11M | 48.57M | 52.79M |
| Short-term debt | 1.90M | 8.55M | -- |
| Long-term debt | 172.96M | 125.10M | 240.00M |
| Total liabilities | 202,071,000.00 | 173,667,000.00 | 292,793,000.00 |
| Total equity | -160.40M | -125.52M | -227.49M |
| Retained earnings | -387.64M | -366.33M | -514.35M |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Total current assets | -- | 67.89M | 76.32M | 52.46M | 72.47M | 89.02M |
| Cash & ST investments | -- | 11.70M | 12.18M | 8.04M | 10.54M | 17.55M |
| Inventory | -- | -- | -- | -- | -- | -- |
| Total assets | -- | 80.95M | 89.63M | 65.30M | 85.30M | 102.21M |
| Total current liabilities | -- | 82.37M | 85.13M | 52.79M | 71.65M | 84.46M |
| Short-term debt | -- | 15.05M | 15.05M | -- | -- | -- |
| Long-term debt | -- | 277.35M | 247.59M | 240.00M | 227.00M | 240.00M |
| Total liabilities | -- | 359,716,000.00 | 348,299,000.00 | 292,793,000.00 | 298,654,000.00 | 324,455,000.00 |
| Total equity | -- | -278.77M | -258.67M | -227.49M | -213.36M | -222.24M |
| Retained earnings | -- | -526.62M | -518.66M | -514.35M | -507.00M | -491.21M |
Cash flow
| Line item | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating cash flow | 18.65M | 49.93M | 51.67M |
| Depreciation & amortization | 2.18M | 3.03M | 3.71M |
| Free cash flow | 14.62M | 46.21M | 47.69M |
| Dividends paid | -339.02M | 0 | -175.00M |
| Stock buybacks / issuance | 0 | 0 | 0 |
| Ending cash balance | 24.32M | 28.07M | 40.55M |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Operating cash flow | 14.32M | 8.65M | 15.96M | 12.75M | 16.69M | 26.71M |
| Depreciation & amortization | 874.00K | 912.00K | 948.00K | 979.00K | 1.00M | 1.02M |
| Free cash flow | 13.41M | 7.68M | 14.91M | 11.70M | 15.60M | 25.64M |
| Dividends paid | -- | -- | 0 | 0 | -- | -- |
| Stock buybacks / issuance | -- | -- | -- | -- | -- | -- |
| Ending cash balance | 52.69M | 58.45M | 59.05M | 40.55M | 60.39M | 77.05M |
Returns & efficiency
| Line item | 2023 | 2024 | 2025 |
|---|---|---|---|
| ROE %i | -- | -- | -- |
| ROA %i | 23.40 | 32.77 | -47.94 |
| ROIC %i | -- | -- | -- |
| 5-year avg ROE %i | -- | -- | -- |
| EBIT margin %i | 53.24 | 53.56 | 45.05 |
| FCF / sales %i | 17.22 | 38.74 | 29.89 |
| Current ratioi | 1.03 | 0.73 | 0.99 |
| Quick ratioi | 0.45 | 0.28 | 0.35 |
| Debt / assetsi | 419.66 | 277.56 | 367.54 |
| LT debt / equityi | -- | -- | -- |
| Interest coveragei | 2.12 | 3.65 | 3.94 |
| Revenue CAGR (3Y) %i | -- | -- | -- |
| Net income CAGR (3Y) %i | -- | -- | -- |
| FCF CAGR (3Y) %i | -- | -- | -- |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| ROE %i | -- | -- | -- | -- | -- | -- |
| ROA %i | -- | -34.30 | -28.83 | -47.94 | -28.58 | 40.88 |
| ROIC %i | -- | -- | -- | -- | -- | -- |
| 5-year avg ROE %i | -- | -- | -- | -- | -- | -- |
| EBIT margin %i | -- | 55.57 | 52.21 | 45.05 | 41.48 | 41.23 |
| FCF / sales %i | -- | 35.65 | 33.61 | 29.89 | 29.69 | 37.32 |
| Current ratioi | -- | 0.82 | 0.90 | 0.99 | 1.01 | 1.05 |
| Quick ratioi | -- | 0.25 | 0.34 | 0.35 | 0.30 | 0.34 |
| Debt / assetsi | -- | 361.22 | 293.04 | 367.54 | 266.13 | 234.80 |
| LT debt / equityi | -- | -- | -- | -- | -- | -- |
| Interest coveragei | -- | 5.01 | 4.55 | 3.94 | 3.60 | 4.38 |
| Revenue CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
| Net income CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
| FCF CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
Revenue breakdown most recent period
Business
Managing general agency (MGA) that offers residential and commercial insurance products100.00%
Quote time 2026-10-07 19:54:59 · For reference only, not investment advice and not tailored to your situation.