profit from every $100 of sales.
$0$100
Neptune Insurance Holdings
$28.34-0.74% today
+23.2% in 1 year
1-year low $17.141-year high $35.11
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2023 to 2025.
0%20% a year
You pay $104.66 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What Neptune Insurance Holdings sold, what it kept, and what it did with the cash.
Sales went from $84.9 million in 2023 to $160 million in 2025, with $37.4 million of profit last year.
SalesProfit
Neptune Insurance Holdings handed back more cash to shareholders than it generated last year.
$175M
Free cash flow 2025$48M
Bought back its own shares$0
Paid as dividends$175M
Cash vs. debt$8M vs. $240M
Neptune Insurance Holdings vs. similar companies
Neptune Insurance Holdings grows the fastest of these 5 and is priced in the middle for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| Neptune Insurance Holdings | 104.7× · Very expensive | ||
 Marsh & McLennan Companies | 23.8× · Fair price | ||
 Arthur J. Gallagher & | 48.6× · Expensive | ||
 Aon | 19.4× · Fair price | ||
 Ryan Specialty Holdings | 187.4× · Very expensive |
AI analysis
An AI analyst reads Neptune Insurance Holdings's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2023 | 2024 | 2025 |
|---|---|---|---|
| 85 | 119 | 160 | |
| 55 | 79 | 94 | |
| 45 | 68 | 80 | |
| 47 | 67 | 76 | |
| 18 | 35 | 37 | |
| 0.07 | 0.11 | -0.26 | |
| 64.2% | 66.4% | 58.7% | |
| 53.5% | 57.4% | 50.1% | |
| 21.1% | 29.0% | 23.4% |
Balance sheet
| In millions of USD | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total assets | 42 | 48 | 65 |
| Cash | 8 | 7 | 8 |
| Total debt | 175 | 134 | 240 |
| Total liabilities | 202 | 174 | 293 |
| -160 | -126 | -227 | |
| 135 | 135 | 105 | |
| 246.9% | 620.5% | 454.1% | |
| -11.2% | -27.6% | -16.4% |
Cash flow
| In millions of USD | 2023 | 2024 | 2025 |
|---|---|---|---|
| 19 | 50 | 52 | |
| 4 | 4 | 4 | |
| 15 | 46 | 48 | |
| Dividends paid | 339 | 0 | 175 |
| 10 | 0 | 0 | |
| 0 | 0 | 11 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 104.7×
- 53.2×
- –
- -17.0×
- 24.5×
- 1.0%
- 0.0%
Profitability
- 23.4%
- 465.5%
- 451.6%
- -11.4%
- 40.8%
Growth
- +37.1%
- –
- −8.5%
- −12.1%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Top 16%of 605
Bottom 3%of 883
Top 13%of 880
Bottom 35%of 929
What analysts expect
- Average price target
- $27.31
- Range
- $20.00 – $32.50
- 7 analysts
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 22, 2026 | 0.09 | 0.09 | −0.9% |
| Feb 18, 2026 | 0.11 | 0.10 | +11.5% |
| Nov 12, 2025 | 0.11 | 0.11 | −0.7% |
| May 4, 2022 | 0.63 | 0.38 | +65.8% |
| Feb 16, 2022 | 0.45 | 0.54 | −16.7% |
| Nov 2, 2021 | 0.38 | 0.43 | −11.6% |
| Aug 4, 2021 | 0.65 | 0.64 | +1.6% |
| May 5, 2021 | 1.04 | 0.75 | +38.7% |
News
No recent news on file.
Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
3/7Passes 3 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
66Pass
Benjamin Graham
35No pass
Philip Fisher
72Pass
Peter Lynch
100Pass
Joel Greenblatt
6No pass
Charlie Munger
47No pass
Terry Smith
52No pass
Questions about Neptune Insurance Holdings
Is Neptune Insurance Holdings a good stock to buy?
A strong, very profitable business, priced as if everything goes right. 3 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Neptune Insurance Holdings AI analysis
What does Neptune Insurance Holdings do?
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. It is in Insurance Brokers, based in Saint Petersburg, FL, United States, with 62 employees.
Does Neptune Insurance Holdings pay a dividend?
Yes. In 2025 it paid out $175 million in dividends.
Is Neptune Insurance Holdings stock halal?
No. Neptune Insurance Holdings does not pass our halal screen: it was reviewed by hand and does not pass. How we check
How has Neptune Insurance Holdings stock done over the past year?
Up 23.2% over the past twelve months, to $28.34. It traded between $17.14 and $35.11 and is 19.3% below its high.
Who are Neptune Insurance Holdings's competitors?
The largest listed companies in the same industry are Marsh & McLennan Companies, Arthur J. Gallagher &, Aon and Ryan Specialty Holdings. The peers table on this page compares their profit, growth and price with Neptune Insurance Holdings's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.