Loading…
Managing general agency providing AI-underwritten private flood insurance to homeowners across the United States.
Managing general agency providing AI-underwritten private flood insurance to homeowners across the United States.
Acts as an agent rather than an insurer: it sells flood policies through independent insurance agents, mostly keeps a commission and policy fees, and passes the claims risk to insurers and reinsurers (companies that back insurers' losses). Earnings follow premium volume, though a poor loss record would strain its carrier relationships.
Moat: narrow (data, IP / patents, regulatory licence). Proprietary flood-risk modeling and underwriting data differentiate pricing versus the government NFIP program.
Headquarters: St. Petersburg, Florida, United States · Founded: 2015 · Employees: 62
Size Neptune Insurance (NP) is a United States Financials company (Insurance Brokers/Services) with a market value of $3.86B, the 1373rd largest of 3,117 United States companies the cockpit tracks. Shares closed at $27.91 on 6 Nov 2026.
Performance Over six months the shares fell 6.7%, against +44.0% for the median peer and -1.1% for the United States market (cap-weighted) — lowest of 9 in its peer set.
Growth Revenue grew 33.8% over the last twelve months (peer median +13.0%); the operating margin is 41.5% (peer median 19.1%).
Short interest Short interest is 2.5% of the free float (15 Oct 2026).
Next results Next results expected around 24 Feb 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | |
|---|---|---|---|---|
| Revenue | $197M | $160M | $119M | $84.9M |
| Revenue growth | — | +34% | +41% | — |
| Gross profit | $134M | $107M | $81.0M | $56.7M |
| EBITDA | $85.8M | $83.6M | $71.5M | $47.6M |
| Net income | $44.7M | $37.4M | $34.6M | $17.9M |
| Free cash flow | $82.0M | $51.7M | $49.9M | $18.6M |
| Capital expenditure | $4.27M | $3.98M | $3.71M | $4.03M |
| Total debt | $215M | $240M | $134M | $175M |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| Neptune Insurance NP | $3.86B | -7% | +34% | n/a | n/a | n/a |
| Assurant AIZ | $15.1B | +29% | +9% | 44% | 2.60× | 14.6% |
| HCI HCI | $2.31B | +22% | +23% | 34% | 2.15× | 17.3% |
| Palomar PLMR | $4.10B | +37% | +60% | 22% | 4.16× | 17.0% |
| Chubb CB | $139B | +15% | +6% | 15% | 1.91× | 9.4% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | NP | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -1.9% | +9.9% | lowest of 9 |
| 6-month return | -6.7% | +44.0% | lowest of 9 |
| Trailing P/E | 90.8× | 38.8× | most expensive of 8 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Neptune Insurance NP | United States | $3.86B | -7% | +34% | n/a | n/a | n/a | n/a |
| CorVel CRVL | United States | $4.20B | +42% | +8% | 31% | 10.74× | 80.5% | 30.6% |
| Steadfast SDF.AX | Australia | $4.46B | +46% | +17% | 11% | 2.73× | 14.3% | 11.3% |
| Baldwin Insurance BWIN | United States | $4.48B | +58% | +19% | -11% | 3.48× | 26.6% | -10.7% |
| AUB AUB.AX | Australia | $2.75B | +26% | +6% | 5% | 2.11× | 17.1% | 5.4% |
| Goosehead Insurance GSHD | United States | $1.97B | +36% | +18% | n/a | n/a | n/a | n/a |
| TWFG TWFG | United States | $1.52B | +47% | +33% | 14% | 7.79× | 29.2% | 13.6% |
| Ryan Specialty RYAN | United States | $12.0B | +52% | +9% | 19% | 12.86× | 61.4% | 19.4% |
| Tryg A/S TRYG.CO | Denmark | $14.2B | +10% | +5% | 12% | 2.61× | 8.1% | 12.4% |