NP
Neptune Insurance Holdings Inc. Financials Insurance Agents, Brokers & Service Russell 3000
$29.18Close
$17.14 – $35.1152-week range
Highlights
Cautions
- Trend not confirmed 6 of 8 conditions · under the 50-day, RS under 70
- Earnings shrinking EPS −0% year on year
- Financial distress Altman Z″ in the distress zone
Price
Filing Results Screen pick 52-week high and low Adjusted prices
Key figures
Off 12-month high
17%
1wk
up 2.6%
price change
1mo
up 6.7%
price change
12-month return
up 10%
market up 11% ·
its own up 5%
F-score
—
— Not assessed
Altman Z″
-19.23
Elevated risk
P/E
—
price / earnings
PEG
—
P/E / EPS growth
P/B
—
price / book
Earnings yield
—
EBIT / enterprise value
Cheaper than
—
of the market · not assessed
Revenue growth
up 34%
year on year
EPS growth
0%
latest quarter · +13 pts
Sales growth
up 34%
latest quarter · +1 pts
ROE
—
return on equity
Free cash margin
—
D/E
—
long-term debt / equity
Net debt / EBITDA
—
Interest cover
—EBIT / interest
Piotroski tests
Repair signals
- Long-term debt down 100% ($0.1B → $0.0B)
Trade setup
ATR%
4.0%
$1.17 a day · 2×ATR $26.84
RS
55 / 99
vs the universe
Trend
6 / 8
under the 50-day, RS under 70
Relative volume
1.1×
vs 50-day average
Up/down volume
0.76
50 sessions
Implied move
—
no scheduled report
Trend template · 6 of 8
- Price above the 50-day average: fails
- RS rank 70 or higher: fails
Screen verdict
Did not qualify for any screen.
Warning signs
- Liabilities exceed assets Shareholders' equity is negative at -$227.5M as of Dec 31, 2025. What is left for shareholders after creditors is, on the balance sheet, less than nothing.
- Bankruptcy model reads distressed The Altman score sits inside the range historically associated with financial distress. It is used here only to exclude, never to rank, and it is a statistical band rather than a prediction about this company.
Last reported
Oct 20, 2026
Last shock
Jul 30, 2026-10% in one session2.4× volumeno filing matched-8% since
Financials
- Net 23%
- Cash
- Long-term debt
| FY2023Dec 31, 2023 | FY2024Dec 31, 2024 | FY2025Dec 31, 2025 | |
|---|---|---|---|
| Revenue | $84.9M | $119.3M | $159.6M |
| Operating income | $45.4M | $68.4M | $71.0M |
| Net income | $17.9M | $34.6M | $37.4M |
| Net margin | 21% | 29% | 23% |
| Earnings per share | $0.19 | $0.37 | $0.36 |
| Cash | $24.3M | $7.1M | $8.0M |
| Long-term debt | — | $125.1M | $0 |
| Shareholders' equity | -$387.6M | -$366.0M | -$227.5M |
| Shares outstanding | — | 93.35m | — |
Filings
| Filed | Report | Period to | Lag |
|---|---|---|---|
| Oct 22, 2026 | Quarterly ↗ | Sep 30, 2026 | 22d |
| Jul 27, 2026 | Quarterly ↗ | Jun 30, 2026 | 27d |
| Apr 29, 2026 | Quarterly ↗ | Mar 31, 2026 | 29d |
| Feb 26, 2026 | Annual ↗ | Dec 31, 2025 | 57d |
| Nov 12, 2025 | Quarterly ↗ | Sep 30, 2025 | 43d |
Current reports
| Filed | Disclosed |
|---|---|
| Oct 20, 2026 | Results · Director or officer change ↗ |
| Oct 1, 2026 | Director or officer change · Regulation FD ↗ |
| Jul 21, 2026 | Exhibits only ↗ |
| Jun 1, 2026 | Shareholder vote ↗ |
| Apr 22, 2026 | Results · Other events ↗ |
| Feb 18, 2026 | Results ↗ |
| Nov 12, 2025 | Results ↗ |
| Oct 7, 2025 | Charter or bylaws ↗ |