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    Neptune Insurance Holdings Inc.

    Company overview

    Market capitalization
    —
    Employees
    62
    Latest publication
    2026-09-29
    About Neptune Insurance Holdings Inc.

    Neptune Insurance Holdings Inc., through its subsidiary, Neptune Flood Incorporated, operates as an insurance agency that engages in selling residential and commercial flood insurance policies on behalf of insurance carrier partners in the United States. The company offers primary and excess flood, parametric earthquake, and indemnity earthquake insurance through a network of agencies. Neptune Insurance Holdings Inc. was founded in 2016 and is based in Saint Petersburg, Florida.

    Company website

    Financial statements

    Income Quarterly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricQ2 20262026-06-30 · USDQ1 20262026-03-31 · USDQ4 20252025-12-31 · USDQ3 20252025-09-30 · USDQ2 20252025-06-30 · USDQ1 20252025-03-31 · USDQ4 20242024-12-31 · USDQ3 20242024-09-30 · USD
    Total Revenue55,872,000USD37,795,000USD43,767,000USD44,365,000USD42,066,000USD29,353,000USD31,503,000USD33,820,000USD
    General And Administrative Expenses3,351,000USD———————
    Total Operating Expenses29,321,000USD13,002,000USD14,449,000USD-22,473,000USD6,218,000USD3,036,000USD13,113,000USD14,011,000USD
    Operating Income26,551,000USD13,441,000USD13,811,000USD20,700,000USD21,288,000USD15,629,000USD18,390,000USD19,809,000USD
    Total Other Income Expense Net-3,364,000USD-3,366,000USD-4,703,000USD-5,237,000USD-5,621,000USD-2,232,000USD0USD—
    Interest Income262,000USD165,000USD226,000USD281,000USD247,000USD169,000USD201,000USD256,000USD
    Interest Expense3,626,000USD3,531,000USD4,456,000USD5,518,000USD5,868,000USD2,401,000USD3,117,000USD3,771,000USD
    Income Before Tax23,187,000USD10,075,000USD9,108,000USD15,463,000USD15,667,000USD13,397,000USD15,474,000USD16,294,000USD
    Income Tax Expense7,391,000USD2,726,000USD4,765,000USD3,952,000USD4,049,000USD3,456,000USD——
    Net Income15,796,000USD7,349,000USD4,343,000USD11,511,000USD11,618,000USD9,941,000USD11,612,000USD12,093,000USD
    Net Income Applicable To Common Shares15,796,000USD——5,493,000USD————
    Cost Of Revenue—11,352,000USD15,507,000USD1,773,000USD14,560,000USD10,688,000USD10,196,000USD11,298,000USD
    Gross Profit—26,443,000USD28,260,000USD-1,773,000USD27,506,000USD18,665,000USD21,307,000USD22,522,000USD
    Selling General Administrative—3,580,000USD3,252,000USD2,138,000USD543,500USD4,017,500USD2,097,000USD1,931,000USD
    Unclassified Operating Expenses—9,422,000USD11,197,000USD-24,611,000USD4,172,001USD—11,016,000USD12,080,000USD
    Net Interest Income—-3,366,000USD-4,230,000USD-5,237,000USD-5,621,000USD-2,232,000USD-2,916,000USD-3,515,000USD
    Tax Provision—2,726,000USD4,765,000USD3,952,000USD4,049,000USD3,456,000USD3,862,000USD4,201,000USD
    Net Income From Continuing Ops—7,349,000USD4,343,000USD11,511,000USD11,620,000USD9,939,000USD11,612,000USD12,093,000USD
    Ebit—13,606,000USD13,564,000USD25,666,000USD21,535,000USD15,798,000USD——
    Ebitda—14,610,000USD14,543,000USD26,614,000USD22,447,000USD16,672,000USD——
    Depreciation And Amortization—1,004,000USD979,000USD948,000USD912,000USD874,000USD——
    Reconciled Depreciation—1,004,000USD979,000USD948,000USD912,000USD874,000USD820,000USD783,000USD
    Selling And Marketing Expenses————1,502,499USD———
    SourceDisclosureDeterministicFinalLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Income Yearly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricFY 20252025-12-31 · USDFY 20242024-12-31 · USDFY 20232023-12-31 · USD
    Total Revenue159,551,000USD119,299,000USD84,870,000USD
    Cost Of Revenue56,491,000USD40,069,000USD30,361,000USD
    Gross Profit103,060,000USD79,230,000USD54,509,000USD
    Selling General Administrative10,023,000USD7,757,000USD6,896,000USD
    Unclassified Operating Expenses13,169,000USD3,027,000USD2,182,000USD
    Total Operating Expenses23,192,000USD10,784,000USD9,078,000USD
    Operating Income79,868,000USD68,446,000USD45,431,000USD
    Interest Income923,000USD880,000USD308,000USD
    Interest Expense18,243,000USD17,520,000USD21,326,000USD
    Net Interest Income-17,320,000USD-16,640,000USD-21,018,000USD
    Income Before Tax53,635,000USD46,380,000USD23,857,000USD
    Income Tax Expense16,222,000USD11,788,000USD5,971,000USD
    Tax Provision16,222,000USD11,788,000USD5,971,000USD
    Net Income37,413,000USD34,592,000USD17,886,000USD
    Net Income From Continuing Ops37,413,000USD34,592,000USD17,886,000USD
    Ebit71,878,000USD63,900,000USD45,183,000USD
    Ebitda75,591,000USD66,927,000USD47,365,000USD
    Depreciation And Amortization3,713,000USD3,027,000USD2,182,000USD
    Reconciled Depreciation3,713,000USD3,027,000USD2,182,000USD
    Total Other Income Expense Net-26,233,000USD-22,066,000USD-21,574,000USD
    Net Income Applicable To Common Shares—14,719,000USD9,751,000USD
    SourceLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Balance sheet Quarterly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricQ2 20262026-06-30 · USDQ1 20262026-03-31 · USDQ4 20252025-12-31 · USDQ3 20252025-09-30 · USDQ2 20252025-06-30 · USDQ1 20252025-03-31 · USDQ4 20242024-12-31 · USD
    Total Assets102,214,000USD85,296,000USD65,299,000USD89,627,000USD80,947,000USD80,947,000USD48,152,000USD
    Cash And Equivalents17,553,000USD——12,184,000USD11,697,000USD——
    Total Current Assets89,015,000USD71,229,000USD52,462,000USD76,317,000USD67,891,000USD67,891,000USD35,225,000USD
    Other Current Assets773,000USD1,236,000USD33,821,000USD64,133,000USD47,358,000USD52,990,000USD21,423,000USD
    Total Liabilities324,455,000USD——————
    Total Current Liabilities84,455,000USD71,654,000USD52,793,000USD85,132,000USD82,367,000USD82,367,000USD48,566,000USD
    Other Current Liabilities1,047,000USD——————
    Total Stockholder Equity-222,241,000USD-213,358,000USD-227,494,000USD-258,672,000USD-526,091,000USD-278,769,000USD-365,988,000USD
    Total Equity Including Noncontrolling Interest-222,241,000USD——————
    Deferred Revenue35,614,000USD——————
    Goodwill3,793,000USD——————
    Accounts Payable10,995,000USD13,350,000USD10,141,000USD11,246,000USD13,405,000USD8,539,000USD9,693,000USD
    Retained Earnings-491,206,000USD-507,002,000USD-514,351,000USD-518,660,000USD-526,615,000USD-526,616,000USD-366,325,000USD
    Intangible Assets—10,381,000USD466,000USD486,000USD6,330,000USD6,330,000USD6,232,000USD
    Total Liab—298,654,000USD292,793,000USD348,299,000USD607,038,000USD359,716,000USD414,140,000USD
    Common Stock—1,000USD1,000USD1,000USD1,000USD1,000USD—
    Capital Stock—1,000USD1,000USD250,878,000USD247,323,000USD—240,474,000USD
    Good Will—3,793,000USD3,793,000USD3,793,000USD3,793,000USD3,793,000USD3,793,000USD
    Cash—60,394,000USD8,036,000USD12,184,000USD11,697,000USD11,697,000USD7,094,000USD
    Cash And Short Term Investments—60,394,000USD8,036,000USD12,184,000USD11,697,000USD11,697,000USD7,094,000USD
    Net Debt—166,606,000USD231,964,000USD2,866,000USD280,702,000USD280,702,000USD126,557,000USD
    Short Long Term Debt Total—227,000,000USD240,000,000USD15,050,000USD292,399,000USD292,399,000USD133,651,000USD
    Long Term Debt—227,000,000USD240,000,000USD247,589,000USD277,349,000USD—125,101,000USD
    Net Receivables—10,835,000USD10,605,000USD3,674,000USD8,836,000USD3,204,000USD6,708,000USD
    Common Stock Shares Outstanding—145,756,044shares138,153,530shares135,200,000shares135,200,000shares138,035,000shares135,200,000shares
    Non Current Assets Total—14,067,000USD12,837,000USD13,310,000USD13,056,000USD13,056,000USD12,927,000USD
    Non Current Liabilities Total—298,654,000USD240,000,000USD263,167,000USD524,671,000USD277,349,000USD365,574,000USD
    Non Currrent Assets Other—2,893,000USD7,776,000USD6,052,000USD115,000USD2,933,000USD99,000USD
    Net Working Capital—811,000USD-331,000USD-8,815,000USD-14,476,000USD—-13,341,000USD
    Unclassified Current Assets—-1,236,000USD—-3,674,000USD———
    Unclassified Non Current Assets—-3,000,000USD————2,803,000USD
    Unclassified Current Liabilities—58,304,000USD—-14,029,000USD-15,050,000USD—-3,769,000USD
    Unclassified Non Current Liabilities—71,654,000USD——247,322,000USD277,349,000USD240,473,000USD
    Unclassified Equity—293,642,000USD286,855,000USD9,109,000USD-246,800,000USD247,846,000USD-240,137,000USD
    Other Current Liab——42,652,000USD57,815,000USD53,912,000USD58,778,000USD25,542,000USD
    Other Assets———3,088,000USD2,933,000USD——
    Short Term Debt———15,050,000USD15,050,000USD15,050,000USD8,550,000USD
    Short Long Term Debt———15,050,000USD15,050,000USD—8,550,000USD
    Non Current Liabilities Other———15,578,000USD———
    SourceDisclosureDeterministicFinalLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Balance sheet Yearly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricFY 20252025-12-31 · USDFY 20242024-12-31 · USDFY 20232023-12-31 · USD
    Total Assets65,299,000USD48,152,000USD41,668,000USD
    Intangible Assets466,000USD6,232,000USD5,545,000USD
    Other Current Assets33,821,000USD21,423,000USD16,851,000USD
    Total Liab292,793,000USD414,140,000USD429,270,000USD
    Total Stockholder Equity-227,494,000USD-365,988,000USD-387,602,000USD
    Other Current Liab42,652,000USD25,542,000USD19,722,000USD
    Common Stock1,000USD1,000USD1,000USD
    Capital Stock1,000USD240,474,000USD227,200,000USD
    Retained Earnings-514,351,000USD-366,325,000USD-387,643,000USD
    Good Will3,793,000USD3,793,000USD3,793,000USD
    Cash8,036,000USD7,094,000USD8,133,000USD
    Cash And Short Term Investments8,036,000USD7,094,000USD8,133,000USD
    Total Current Assets52,462,000USD35,225,000USD29,860,000USD
    Total Current Liabilities52,793,000USD48,566,000USD29,108,000USD
    Net Debt231,964,000USD126,557,000USD166,730,000USD
    Short Long Term Debt Total240,000,000USD133,651,000USD174,863,000USD
    Long Term Debt240,000,000USD125,101,000USD172,963,000USD
    Net Receivables10,605,000USD6,708,000USD4,876,000USD
    Accounts Payable10,141,000USD9,693,000USD7,396,000USD
    Common Stock Shares Outstanding138,153,530shares135,200,000shares135,200,000shares
    Non Current Assets Total12,837,000USD12,927,000USD11,808,000USD
    Non Current Liabilities Total240,000,000USD365,574,000USD400,162,000USD
    Non Currrent Assets Other7,776,000USD99,000USD279,000USD
    Net Working Capital-331,000USD-13,341,000USD752,000USD
    Unclassified Equity286,855,000USD-240,138,000USD-227,160,000USD
    Other Assets—2,902,000USD2,470,000USD
    Cash And Equivalents—7,094,000USD8,133,000USD
    Short Term Debt—8,550,000USD1,900,000USD
    Short Long Term Debt—8,550,000USD1,900,000USD
    Unclassified Current Liabilities—-3,769,000USD-1,810,000USD
    Unclassified Non Current Liabilities—240,473,000USD227,199,000USD
    SourceLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Cash flow Quarterly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricQ1 20262026-03-31 · USDQ4 20252025-12-31 · USDQ3 20252025-09-30 · USDQ2 20252025-06-30 · USDQ1 20252025-03-31 · USDQ3 20242024-09-30 · USD
    Net Income7,349,000USD4,343,000USD11,511,000USD10,779,500USD10,779,500USD12,093,000USD
    Depreciation1,004,000USD742,000USD948,000USD1,011,500USD1,011,500USD783,000USD
    Stock Based Compensation6,877,000USD11,121,000USD112,000USD93,500USD93,500USD75,000USD
    Other Non Cash Items90,000USD399,000USD248,000USD-2,063,500USD-2,063,500USD276,000USD
    Change To Account Receivables498,000USD-1,554,000USD233,000USD-296,000USD-296,000USD-410,000USD
    Change In Working Capital1,362,000USD-6,017,000USD3,298,000USD1,661,000USD1,661,000USD2,111,000USD
    Total Cash From Operating Activities16,691,000USD12,750,000USD15,956,000USD11,482,000USD11,482,000USD14,992,000USD
    Capital Expenditures-1,096,000USD1,047,000USD-1,047,000USD-1,884,000USD-910,000USD-840,000USD
    Free Cash Flow15,595,000USD13,797,000USD14,909,000USD11,482,000USD11,482,000USD14,152,000USD
    Total Cashflows From Investing Activities-1,096,000USD-1,046,000USD-1,047,000USD-942,000USD-942,000USD—
    Net Borrowings-13,000,000USD-24,000,000USD-30,000,000USD163,000,000USD-4,000,000USD-17,000,000USD
    Total Cash From Financing Activities4,251,000USD-30,201,000USD-14,316,000USD4,653,500USD4,653,500USD-16,434,000USD
    Change In Cash19,845,000USD-18,497,000USD593,000USD15,193,500USD15,193,500USD-2,282,000USD
    Begin Period Cash Flow40,549,000USD59,045,000USD58,452,000USD28,065,000USD28,065,000USD45,446,000USD
    End Period Cash Flow60,394,000USD40,548,000USD59,045,000USD15,193,500USD15,193,500USD43,164,000USD
    Other Cashflows From Investing Activities-1,096,000USD-2,093,000USD—-942,000USD-942,000USD—
    Other Cashflows From Financing Activities16,204,000USD-6,337,000USD15,684,000USD92,153,500USD92,153,500USD—
    Unclassified Investing Cash Flow1,096,000USD—1,047,000USD1,884,000USD——
    Unclassified Financing Cash Flow1,047,000USD—-15,578,000USD-163,000,000USD4,000,000USD—
    Dividends Paid—0USD0USD-87,500,000USD-87,500,000USD0USD
    Unclassified Operating Cash Flow—2,162,000USD————
    Investments——-1,047,000USD——-840,000USD
    Sale Purchase Of Stock——15,578,000USD———
    SourceLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Cash flow Yearly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricFY 20252025-12-31 · USDFY 20242024-12-31 · USDFY 20232023-12-31 · USD
    Net Income37,413,000USD34,592,000USD17,886,000USD
    Depreciation3,713,000USD3,027,000USD2,182,000USD
    Stock Based Compensation11,420,000USD296,000USD41,000USD
    Other Non Cash Items632,000USD6,331,000USD1,784,000USD
    Change To Account Receivables-2,618,000USD-1,209,000USD-903,000USD
    Change In Working Capital-3,509,000USD6,292,000USD-1,053,000USD
    Total Cash From Operating Activities51,670,000USD49,926,000USD18,647,000USD
    Capital Expenditures-3,977,000USD-3,713,000USD-4,030,000USD
    Free Cash Flow47,693,000USD46,213,000USD14,617,000USD
    Total Cashflows From Investing Activities-3,977,000USD-3,713,000USD-4,030,000USD
    Net Borrowings105,000,000USD-43,525,000USD108,650,000USD
    Total Cash From Financing Activities-35,210,000USD-42,468,000USD-9,866,000USD
    Dividends Paid-175,000,000USD0USD-339,023,000USD
    Sale Purchase Of Stock0USD0USD-10,000,000USD
    Issuance Of Capital Stock0USD0USD229,064,000USD
    Change In Cash12,483,000USD3,745,000USD4,751,000USD
    Begin Period Cash Flow28,065,000USD24,320,000USD19,569,000USD
    End Period Cash Flow40,548,000USD28,065,000USD24,320,000USD
    Other Cashflows From Investing Activities-3,977,000USD——
    Other Cashflows From Financing Activities19,076,000USD1,057,000USD220,507,000USD
    Unclassified Operating Cash Flow2,001,000USD—-2,193,000USD
    Unclassified Investing Cash Flow3,977,000USD3,713,000USD4,030,000USD
    Unclassified Financing Cash Flow15,714,000USD—10,000,000USD
    Investments—-3,713,000USD-4,030,000USD
    SourceLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Operating metrics

    No operating metrics are currently published for this company.

    Revenue breakdown

    PeriodDimensionBusiness / regionRevenueCurrencySource
    Q2 2026Quarterly · 2026-06-30ProductCommission Income42,531,000USDDisclosure
    Q2 2026Quarterly · 2026-06-30ProductFee Income13,341,000USDDisclosure
    Q1 2026Quarterly · 2026-03-31ProductCommission Income29,034,000USD0001628280-26-028418
    Q1 2026Quarterly · 2026-03-31ProductFee Income8,761,000USD0001628280-26-028418
    FY 2025Yearly · 2025-12-31ProductCommission Income122,003,000USD0002067129-26-000007
    FY 2025Yearly · 2025-12-31ProductFee Income37,548,000USD0002067129-26-000007
    Q1 2025Quarterly · 2025-03-31ProductCommission Income22,707,000USD0001628280-26-028418
    Q1 2025Quarterly · 2025-03-31ProductFee Income6,646,000USD0001628280-26-028418
    FY 2024Yearly · 2024-12-31ProductCommission Income90,098,000USD0002067129-26-000007
    FY 2024Yearly · 2024-12-31ProductFee Income29,201,000USD0002067129-26-000007
    FY 2023Yearly · 2023-12-31ProductCommission Income64,349,000USD0002067129-26-000007
    FY 2023Yearly · 2023-12-31ProductFee Income20,521,000USD0002067129-26-000007
    Q1 2022Quarterly · 2022-03-31SegmentFine Paper And Packaging99,200,000USD0001296435-22-000040
    Q1 2022Quarterly · 2022-03-31SegmentTechnical Products185,600,000USD0001296435-22-000040
    Q3 2021Quarterly · 2021-09-30SegmentFine Paper And Packaging95,200,000USD0001296435-21-000141
    Q3 2021Quarterly · 2021-09-30SegmentTechnical Products172,700,000USD0001296435-21-000141
    Q2 2021Quarterly · 2021-06-30SegmentFine Paper And Packaging89,700,000USD0001296435-21-000122
    Q2 2021Quarterly · 2021-06-30SegmentTechnical Products179,600,000USD0001296435-21-000122
    Q1 2021Quarterly · 2021-03-31SegmentFine Paper And Packaging81,800,000USD0001296435-22-000040
    Q1 2021Quarterly · 2021-03-31SegmentTechnical Products145,200,000USD0001296435-22-000040
    Q3 2020Quarterly · 2020-09-30SegmentFine Paper And Packaging77,200,000USD0001296435-21-000141
    Q3 2020Quarterly · 2020-09-30SegmentTechnical Products113,500,000USD0001296435-21-000141
    Q2 2020Quarterly · 2020-06-30SegmentFine Paper And Packaging66,300,000USD0001296435-21-000122
    Q2 2020Quarterly · 2020-06-30SegmentTechnical Products95,100,000USD0001296435-21-000122
    Q1 2020Quarterly · 2020-03-31SegmentFine Paper And Packaging111,200,000USD0001296435-21-000062
    Q1 2020Quarterly · 2020-03-31SegmentTechnical Products122,400,000USD0001296435-21-000062
    Q3 2019Quarterly · 2019-09-30SegmentFine Paper And Packaging100,100,000USD0001296435-19-000146
    Q3 2019Quarterly · 2019-09-30SegmentOther0USD0001296435-19-000146
    Q3 2019Quarterly · 2019-09-30SegmentTechnical Products131,700,000USD0001296435-19-000146

    Periods follow company fiscal calendars. Quarterly, annual and year-to-date amounts are shown separately. Missing values are not zero. Data may be delayed, incomplete or corrected; follow the disclosure links to verify figures.