Neptune Insurance Holdings Inc. functions as a technology-driven managing general agent (MGA) specializing in flood insurance solutions. The company provides a range ...
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Est. EPS $0.16 · Revenue $56.33M · 9 analysts
Est. EPS $0.16
Est. EPS $0.15 · Revenue $53.23M · 9 analysts
Est. EPS $0.55 · Revenue $202.72M · 11 analysts
EPS $0.08 · Revenue $42.07M
| Metric | Latest | YoYYoY means Year-over-Year. It compares the latest annual value with the previous annual value to show long-term trend strength. | QoQQoQ means Quarter-over-Quarter. It compares the latest quarter with the immediately previous quarter to show short-term momentum changes. |
|---|---|---|---|
| RevenueThe total money that came through the front door from selling things, before paying a single bill. Think of it as the grand total of every credit card swipe from customers. (YoY compares this year to last year's performance, while QoQ compares the current three months to the previous three). | $159.6M | +33.7% | +47.8% |
| Net IncomeThe absolute bottom line. If the company paid every single supplier, employee, banker, and tax collector, this is the actual money left in their pocket at the end of the day. | $37.4M | +8.2% | +114.9% |
| Gross MarginThe basic markup. If they sell a $100 pair of sneakers, this percentage tells you how much of that price tag is profit right after paying for the rubber and shoelaces, but before paying for things like store rent or TV commercials. | +64.6% | -2.7% | +0.7% |
| Operating MarginThe 'day job' efficiency score. Out of every dollar a customer spends, this shows how many cents the company keeps after making the product AND paying for all the everyday corporate overhead (like salaries, marketing, and keeping the lights on). | +50.1% | -12.8% | +33.1% |
| Net MarginThe final take-home percentage. When you strip away every conceivable cost, tax, and interest payment, this is the exact number of cents the company truly gets to keep from every dollar in sales. | +23.4% | -19.1% | +45.4% |
| Free Cash FlowThe holy grail of corporate cash. It's the spendable, physical money left over after the business pays for its daily operations AND buys the big, expensive upgrades (like new factories or servers) it needs to survive. This is the 'free' money they can use to pay dividends or buy back stock. | $47.7M | +3.2% | +83.8% |
| FCF MarginThe ultimate cash conversion rate. It shows how good the company is at turning regular sales directly into cold, hard, spendable cash. A high percentage means the business is an absolute cash-printing machine. | +29.9% | -22.8% | +24.3% |
| Debt / EquityThe financial risk gauge. It compares how much of the company's empire was built using borrowed money (loans) versus the owners' own money (shareholders). A high number means they are heavily leveraged and playing a riskier game; a low number means they are playing it safe. | -105.5% | -188.9% | -1.5% |
| Current RatioThe 12-month survival check. It simply compares the cash they have right now (plus things they can quickly turn into cash) against the immediate bills they absolutely must pay this year. A score above 1 means they have enough in the wallet to cover the upcoming bills without panicking. | 0.99x | +37.0% | — |
| Total AssetsThe absolute size of the company's empire. It bundles together absolutely everything of value they own—from the cash in the register and the inventory in the warehouse, to the software patents in the vault and the factories on the ground. | $65.3M | +35.6% | +19.8% |
| Metric | Annual (A vs E) | Annual Surprise | Quarter (A vs E) | Quarter Surprise |
|---|---|---|---|---|
| EPS Surprise | 0.27 vs 0.38 | -29.3% | 0.11 vs 0.16 | -30.6% |
| Revenue Surprise | $159.6M vs $155.3M | +2.8% | $55.9M vs $56.3M | -0.8% |
| Date | Executive | Title | Security | Side | Shares | Price |
|---|---|---|---|---|---|---|
| Aug 13, 2026 | Steiner James | director, officer: Chief Financial Officer | Class A Common Stock | D | 57,012 | $31.71 |
| Aug 12, 2026 | Steiner James | director, officer: Chief Financial Officer | Class A Common Stock | D | 42,988 | $31.08 |
| Jul 29, 2026 | BSIV Hold 101, LP | 10 percent owner | Class A Common Stock | D | 1,632,160 | $33.22 |
| Jul 29, 2026 | FTV VII, L.P. | 10 percent owner | Class A Common Stock | D | 1,867,840 | $33.22 |
| May 19, 2026 | BSIV Hold 101, LP | 10 percent owner | Class A Common Stock | D | 688,403 | $26.40 |
Operator : Good morning, and thank you for standing by. My name is Jeannie, and I will be your conference operator today. At this time, I would like to welcome everyone to the Neptune Insurance Holdings Q2 Earnings Conference Call. All lines have been placed on mute to prevent any background noise. After the speaker's remarks, there will be a question-and-answer session. If you would like to ask a question during this time, simply press *1 on your telephone keypad. If you would like to withdraw your question, press *1 again. Thank you. I would now like to turn the conference over to Jon Carlin, Director of Corporate Development. You may begin. Jon Carlon : Thank you and good morning. With me here today is Trevor Burgess, Chairman and CEO, Matt Duffy, President and Chief Risk Officer, and Jim Steiner, CFO and COO. Before we begin, I'd like to remind everyone that today's discussion will include forward-looking statements, including, among others, statements about our expectations for our future financial performance, growth opportunities, business strategy, market trends, and capital allocation plans. These statements are based on our current views and assumptions and are subject to risks and uncertainties that could cause actual results to differ materially. We direct you to our recent SEC filings for a full description of these risks. We undertake no obligation to update any forward-looking statements, whether as a result of new information, future events, or otherwise, except as required by law. We will also reference certain non-GAAP financial measures. These measures should be considered only as supplements to their comparable GAAP measures. Additional information, including reconciliations of the non-GAAP measures to their most comparable GAAP measures, can be found in our earnings release at investors.neptuneflood.com and in our current report on Form 8-K that was publicly filed with the SEC on July 21st, 2026. Now, I'd like to turn the call over to Trevor. Trevor Burgess : Good morning and thank you for joining us for Neptune's Q2 Earnings Call. Let's start with the headline. This was the best quarter in Neptune's history, and it wasn't close. Revenue came in at $55.9 million, up 33% year-over-year. Adjusted EBITDA hit $34.5 million, up 36% at a 62% margin. That's up 165 basis points from a year ago. Premium in force reached $419 million, up 32%, and we now have over 316,000 policies in force, up 29%. Summing it all up on a trailing 12-month basis, revenue per employee and adjusted EBITDA per employee both reached record new highs, $3 million and $1.8 million respectively. However you want to slice it, we grew across nearly every measure of this business. What's driving it? I'd point to three things. First, we are seeing real momentum across our distribution network, both with agents who've been with us for years and with new partners we're bringing on. Second, the FEMA Review Council process has put a spotlight on the long-term …
| Name | Title | Compensation | Gender | Year Born | Status |
|---|---|---|---|---|---|
Trevor R. Burgess | Chief Executive Officer & Chairman | USD 414,300 | Male | 1973 | Active |
James Steiner | CFO, Secretary & Director | USD 345,852 | Male | 1981 | Active |
Matthew Duffy | President & Chief Risk Officer of Neptune Flood Incorporated | USD 326,322 | Male | 1992 | Active |
Jean-Luc Eckstein | Chief Customer Officer | — | Male | — | Active |
Michael Freed Dezube | Chief Data Science Officer | — | Male | — | Active |
Steve Aikens | Chief Marketing Officer | — | Male | — | Active |
Kate Stillwell | President of Parametric Insurance | — | Female | — | Active |
Brad Schulz | Chief Technology Officer & Chief Information Security Officer | — | Male | — | Active |
Alais L. Griffin | General Counsel | — | Female | 1973 | Active |
Tom Wexler | Chief Engineer | — | Male | — | Active |
Neptune Insurance Holdings Inc. (NYSE: NP - Get Free Report) CFO James Steiner sold 57,012 shares of Neptune Insurance stock in a transaction that occurred on Thursday, August 13th. The shares were sold at an average price of $31.71, for a total transaction of $1,807,850.52. Following the completion of the transaction, the chief financial officer directly
Neptune Insurance (NYSE: NP - Get Free Report) and Universal Insurance (NYSE: UVE - Get Free Report) are both finance companies, but which is the superior business? We will contrast the two businesses based on the strength of their earnings, valuation, dividends, profitability, analyst recommendations, institutional ownership and risk. Insider and Institutional Ownership 66.6% of Universal Insurance
Neptune Insurance Holdings Inc. (NP) Q2 2026 Earnings Call Transcript
Although the revenue and EPS for Neptune Insurance Holdings Inc. (NP) give a sense of how its business performed in the quarter ended June 2026, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers.
ST. PETERSBURG, Fla.--(BUSINESS WIRE)---- $NP--Neptune Insurance Holdings Inc. (the “Company”) (NYSE: NP), the parent company of Neptune Flood Incorporated, has released its financial results for the second quarter of 2026 by posting an update on its Investor Relations website. The earnings presentation can be viewed by clicking here or visiting investors.neptuneflood.com. Second Quarter 2026 Highlights Revenue growth of 33% to a record $55.9 million Net income increase of 36% to a record $15.8 million.
| Report Date | Employees | Form Type | Filing Date | SEC Filing |
|---|---|---|---|---|
| Dec 31, 2025 | 62 | 10-K | Feb 26, 2026 | View |
