Revenue
$59.57M
Fiscal year ended 2026-09-30Net income
$17.26M
Fiscal year ended 2026-09-30Total assets
$103.92M
Fiscal year ended 2026-09-30How this compares in its industry
Percentile among the Insurance Agents, Brokers & Service filers on this site, highest value first. A high percentile means a large figure, which is good for a margin and not for leverage — the ranking says where the company sits, not whether that is where it should be.
| Measure | Reported | Percentile | |
|---|---|---|---|
| Operating margin | 44.5% | 100th | |
| SBC / revenue | 7.2% | 95th | |
| Net margin | 23.4% | 89th | |
| Effective tax rate | 30.2% | 89th | |
| Revenue YoY growth | 33.7% | 83th | |
| Current ratio | 0.99x | 19th |
Neptune Insurance Holdings Inc. (NP) reported revenue of $59.57M and net income of $17.26M for the fiscal year ended 2026-09-30. This page shows 10 annual periods of income statement, balance sheet and cash flow figures normalized from Neptune Insurance Holdings Inc.’s SEC filings, each linked to the filing it came from. It is classified by the SEC under Insurance Agents, Brokers & Service.
Banks, brokers and insurers present a top line that is not comparable with an operating company’s revenue: it is reported net of interest expense, or as premiums earned, depending on the filer. The figures are the filer’s own and are traceable to the filing; the comparison across classes is what does not hold.
Income
| Metric | 2026-09-30 | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2023-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $59.57M | $55.87M | $37.80M | $43.77M | $44.36M | $42.07M | $29.35M | Unavailable | $33.82M | Unavailable |
| Cost of revenue | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Gross profit | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Operating income | $27.96M | $26.55M | $13.44M | $13.34M | $20.70M | $21.29M | $15.63M | $18.39M | $19.81M | Unavailable |
| Net income | $17.26M | $15.80M | $7.35M | $4.34M | $11.51M | $11.62M | $9.94M | $11.61M | $12.09M | Unavailable |
| Research & development | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Weighted-average diluted shares | shares 146.39M | shares 146.19M | shares 145.76M | Unavailable | shares 97.26M | shares 93.35M | shares 93.35M | Unavailable | shares 93.35M | Unavailable |
| Pretax income | $24.72M | $23.19M | $10.08M | $9.11M | $15.46M | $15.67M | $13.40M | $15.47M | $16.29M | Unavailable |
| Income tax expense | $7.46M | $7.39M | $2.73M | $4.76M | $3.95M | $4.05M | $3.46M | $3.86M | $4.20M | Unavailable |
| Diluted EPS | $0.12 | $0.11 | $0.05 | Unavailable | $0.06 | $-0.49 | $0.05 | Unavailable | $0.06 | Unavailable |
| Selling, general & administrative | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| General & administrative | $4.06M | $3.35M | $3.58M | -$5.19M | $7.10M | $5.60M | $2.51M | $2.10M | $1.93M | Unavailable |
| Selling & marketing | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
Balance
| Metric | 2026-09-30 | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2023-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | $17.43M | $17.55M | $10.54M | $8.04M | $12.18M | $11.70M | $16.50M | $7.09M | Unavailable | Unavailable |
| Total assets | $103.92M | $102.21M | $85.30M | $65.30M | $89.63M | Unavailable | Unavailable | $48.15M | Unavailable | Unavailable |
| Current assets | $91.22M | $89.02M | $72.46M | $52.46M | $76.32M | Unavailable | Unavailable | $35.22M | Unavailable | Unavailable |
| Total liabilities | $315.52M | $324.46M | $298.65M | $292.79M | $348.30M | Unavailable | Unavailable | $173.67M | Unavailable | Unavailable |
| Current liabilities | $100.52M | $84.46M | $71.65M | $52.79M | $85.13M | Unavailable | Unavailable | $48.57M | Unavailable | Unavailable |
| Total equity incl. NCI | -$211.60M | -$222.24M | -$213.36M | -$227.49M | -$509.55M | -$526.09M | -$359.35M | -$365.99M | -$374.27M | -$387.60M |
| Temporary (mezzanine) equity | Unavailable | Unavailable | Unavailable | $0 | $250.88M | $247.32M | $243.85M | $240.47M | Unavailable | $227.20M |
| Inventory | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Accounts receivable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Goodwill | $3.79M | $3.79M | $3.79M | $3.79M | $3.79M | Unavailable | Unavailable | $3.79M | Unavailable | Unavailable |
| Long-term debt | Unavailable | Unavailable | Unavailable | $0 | $247.59M | Unavailable | Unavailable | $125.10M | Unavailable | Unavailable |
| Accounts payable | $27.38M | $11.00M | $8.69M | $10.14M | $11.25M | Unavailable | Unavailable | $7.16M | Unavailable | Unavailable |
Cash flow
| Metric | 2026-09-30 | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2023-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $25.88M | $26.71M | $16.69M | $12.75M | $15.96M | $8.65M | $14.32M | $14.66M | Unavailable | Unavailable |
| Capital expenditures | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Investing cash flow | -$1.06M | -$1.08M | -$1.10M | -$1.05M | -$1.05M | -$974.00K | -$910.00K | -$1.15M | Unavailable | Unavailable |
| Financing cash flow | -$23.93M | -$8.99M | $4.25M | -$30.20M | -$14.32M | -$1.92M | $11.22M | -$28.61M | Unavailable | Unavailable |
| Net change in cash | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Stock-based compensation | $7.01M | $6.95M | $6.88M | $11.12M | $112.00K | $103.00K | $84.00K | $79.00K | Unavailable | Unavailable |
| Common dividends paid | $0 | Unavailable | Unavailable | $0 | $0 | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Common share repurchases | $4.00K | Unavailable | Unavailable | Unavailable | $0 | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Depreciation & amortization | Unavailable | Unavailable | Unavailable | Unavailable | $948.00K | Unavailable | Unavailable | Unavailable | $782.00K | Unavailable |
Derived
| Metric | 2026-09-30 | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2023-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Free cash flow | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Gross margin | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Operating margin | 46.9% | 47.5% | 35.6% | 30.5% | 46.7% | 50.6% | 53.2% | Unavailable | 58.6% | Unavailable |
| FCF margin | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| SBC / revenue | 11.8% | 12.4% | 18.2% | 25.4% | 0.3% | 0.2% | 0.3% | Unavailable | Unavailable | Unavailable |
| Current ratio | 0.91x | 1.05x | 1.01x | 0.99x | 0.90x | Unavailable | Unavailable | 0.73x | Unavailable | Unavailable |
| Revenue YoY growth | 34.3% | 32.8% | 28.8% | Unavailable | 31.2% | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Net margin | 29.0% | Unavailable | Unavailable | 9.9% | 25.9% | Unavailable | Unavailable | Unavailable | 35.8% | Unavailable |
| R&D / revenue | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| CapEx / revenue | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Long-term debt / equity | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Effective tax rate | 30.2% | 31.9% | 27.1% | 52.3% | 25.6% | 25.8% | 25.8% | 25.0% | 25.8% | Unavailable |
Amounts are abbreviated; the exact reported value is carried in each cell. — means unavailable, not zero. Open NP in the interactive workspace to inspect any figure back to its filing.
Source filings
10-Q · Filed 2026-10-22View SEC filing
10-Q · Filed 2026-07-27View SEC filing
10-Q · Filed 2026-04-29View SEC filing
10-K · Filed 2026-02-26View SEC filing
10-Q · Filed 2025-11-12View SEC filing
Every accounting identity this site checks — the balance sheet, the gross profit bridge and the cash flow statement — reconciles in every period shown.