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Neptune Insurance Holdings Inc.

corporate_fare Company Profile

Neptune Insurance Holdings Inc.

NP·NYSE·Finance·CIK 0002067129

Neptune is a data-driven Managing General Agent (MGA) that provides residential and commercial insurance products. The company offers primary flood insurance, excess flood insurance, and parametric earthquake insurance. These products are distributed through a nationwide network of agencies. Neptune does not assume insurance risk on its balance sheet or handle claims for the policies it sells. Instead, it underwrites and administers the issuance of insurance policies for various insurance and reinsurance companies, referred to as capacity providers, who manage the risk and claims. Neptune utilizes advanced data science and AI, including proprietary machine learning algorithms, in its business operations. From inception through June 30, 2025, the company delivered a lifetime written loss ratio of 24.7% to its capacity providers. For the year ended December 31, 2025, Neptune achieved 33.7% organic revenue growth, a 23.4% net income margin, and a 59.5% Adjusted EBITDA margin. The company was founded to address perceived inefficiencies and product-market fit issues in the traditional flood insurance market. The American Housing Survey and the Energy Information Administration indicate over 100 million residential and commercial buildings in the U.S., many of which face flood risk, with a small fraction covered by flood insurance. The National Flood Insurance Program (NFIP), a U.S. government-run entity, is the largest provider of flood insurance in the United States and Neptune's main competitor.

Neptune Insurance Holdings Inc. (NYSE:NP) is a publicly traded company in the Finance sector. Wiseek has independently scored 24 items for NP at importance 7 or higher on its 1–10 market-impact scale. Its most recent item scored 7 or higher is dated 2026-10-30, rated 7/10. Across its 20 most recent items scored 7 or higher, the top rating is 8/10, with 13 rated 8 or above. Recent SEC coverage for NP spans 144, 10-Q, 8-K, 4.

Recent high-impact activity:

  • CEO Trevor Burgess Notices Sale of 406,152 Shares (~$11.85M)
  • Neptune 10-Q Details Q3 Net Income of $17.3M and $31.9M of Buybacks
  • Neptune Insurance Posts 12c Q3 EPS, Record $59.6M Revenue, Raises 2026 Outlook
  • Neptune Beats With 34% Revenue Growth, Raises 2026 Outlook, Sets 2027 Guide; CFO to Step Down
  • 10% Owner BSIV Hold 101 Sells $54.2M of Neptune Insurance Stock at $33.22

Financial Snapshot

Fiscal year ended December 31, 2025
Revenue
$159.55M
Net Income
$37.41M
Diluted EPS
-$0.26
Op. Cash Flow
$51.67M
Operating Income
$70.95M
Cash & Equivalents
$8.04M
Total Debt
$0
Debt / Equity
0.00×
Net Margin
23.4%
Shares Outstanding
104.5M sh
Source: 10-K · filed 2026-02-25 · accession 0002067129-26-000007

Short Interest & Short Volume

4.57 days to cover

FINRA reported short interest of 2,321,761 shares in NP as of the October 15, 2026 settlement, a 5.7% decrease from the prior period — about 4.6 days to cover at its recent average daily volume. On October 30, 2026, 40.7% of NP volume reported to FINRA trade-reporting facilities was marked short.

Short interest (bi-monthly positions)2,321,761 shares as of October 15, 2026
Change vs prior period▼ 5.7%
Days to cover4.57 at avg daily volume of 508,073
Daily short volume (FINRA facilities)40.7% of 189,443 shares on October 30, 2026
5-day average short volume45.5%

Daily short sale volume covers trades reported to FINRA trade-reporting facilities and is not the same as short interest (bi-monthly reported positions). Source: FINRA — FINRA is the owner and source of this short interest and short sale volume data; it may not be redistributed.

Dilution Risk

Low risk

Filing-implied dilution signals for NP, detected from its recent SEC filings · based on capital-structure filings through 2026-05-14.

1 recent capital raise2 shelf registrations

Secondary Offering Priced · Company Share Repurchase

A filing-implied signal, not a realized share count. How Wiseek tracks dilution →

Browse all tickers starting with N →
$29.71 +1.82% today
52-week range · as of 2026-10-30 $14.78 – $35.15
Market cap
$4.11B
Volume
167.5K (0.3× avg)
3-mo avg 580.2K
Live data · 2026-11-02 16:55 UTC · Market open

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feed NP - Latest Insights

NP
Oct 30, 2026, 5:54 PM EDT
Filing Type: 144
Importance Score:
7
Price at Filing: $29.18
Real-time Price: $29.71 info
Change: +$0.530 (+2%) info
Market Cap: $4.105B info
NP
Oct 22, 2026, 5:22 PM EDT
Filing Type: 10-Q
Importance Score:
7
Price at Filing: $28.72
Real-time Price: $29.71 info
Change: +$0.990 (+3%) info
Market Cap: $4.105B info
NP
Oct 20, 2026, 4:20 PM EDT
Source: Dow Jones Newswires
Importance Score:
8
Price at Filing: $29.49
Real-time Price: $29.71 info
Change: +$0.220 (+0.75%) info
Market Cap: $4.105B info
NP
Oct 20, 2026, 4:15 PM EDT
Filing Type: 8-K
Importance Score:
8
Price at Filing: $29.49
Real-time Price: $29.71 info
Change: +$0.220 (+0.75%) info
Market Cap: $4.105B info
NP
Jul 31, 2026, 7:00 PM EDT
Filing Type: 4
Importance Score:
8
Price at Filing: $31.71
Real-time Price: $29.71 info
Change: -$2.00 (-6%) info
Market Cap: $4.105B info
NP
Jul 27, 2026, 4:16 PM EDT
Filing Type: 10-Q
Importance Score:
8
Price at Filing: $30.82
Real-time Price: $29.71 info
Change: -$1.11 (-4%) info
Market Cap: $4.105B info
NP
Jul 21, 2026, 4:31 PM EDT
Source: Reuters
Importance Score:
8
Price at Filing: $30.67
Real-time Price: $29.71 info
Change: -$0.960 (-3%) info
Market Cap: $4.105B info
NP
Jul 21, 2026, 4:13 PM EDT
Filing Type: 8-K
Importance Score:
8
Price at Filing: $30.34
Real-time Price: $29.71 info
Change: -$0.630 (-2%) info
Market Cap: $4.105B info
NP
Jun 25, 2026, 6:39 PM EDT
Source: Reuters
Importance Score:
7
Price at Filing: $27.44
Real-time Price: $29.71 info
Change: +$2.27 (+8%) info
Market Cap: $4.105B info
NP
May 19, 2026, 9:00 PM EDT
Filing Type: 4
Importance Score:
7
Price at Filing: $26.70
Real-time Price: $29.71 info
Change: +$3.01 (+11%) info
Market Cap: $4.105B info
NP
May 19, 2026, 9:00 PM EDT
Filing Type: 4
Importance Score:
8
Price at Filing: $26.70
Real-time Price: $29.71 info
Change: +$3.01 (+11%) info
Market Cap: $4.105B info
NP
May 14, 2026, 5:09 PM EDT
Filing Type: 424B4
Importance Score:
8
Price at Filing: $27.46
Real-time Price: $29.71 info
Change: +$2.25 (+8%) info
Market Cap: $4.105B info
NP
May 13, 2026, 9:24 PM EDT
Source: Reuters
Importance Score:
8
Price at Filing: $27.94
Real-time Price: $29.71 info
Change: +$1.77 (+6%) info
Market Cap: $4.105B info
NP
May 13, 2026, 9:14 PM EDT
Filing Type: S-1MEF
Importance Score:
8
Price at Filing: $27.94
Real-time Price: $29.71 info
Change: +$1.77 (+6%) info
Market Cap: $4.105B info
NP
May 11, 2026, 4:46 PM EDT
Source: Dow Jones Newswires
Importance Score:
7
Price at Filing: $29.01
Real-time Price: $29.71 info
Change: +$0.700 (+2%) info
Market Cap: $4.105B info
NP
May 11, 2026, 4:33 PM EDT
Filing Type: S-1
Importance Score:
7
Price at Filing: $29.01
Real-time Price: $29.71 info
Change: +$0.700 (+2%) info
Market Cap: $4.105B info
NP
May 11, 2026, 4:31 PM EDT
Filing Type: DEFA14A
Importance Score:
7
Price at Filing: $29.10
Real-time Price: $29.71 info
Change: +$0.6147 (+2%) info
Market Cap: $4.105B info
NP
Apr 29, 2026, 4:29 PM EDT
Filing Type: 10-Q
Importance Score:
8
Price at Filing: $25.91
Real-time Price: $29.71 info
Change: +$3.80 (+15%) info
Market Cap: $4.105B info
NP
Apr 22, 2026, 4:33 PM EDT
Source: Dow Jones Newswires
Importance Score:
8
Price at Filing: $28.07
Real-time Price: $29.71 info
Change: +$1.64 (+6%) info
Market Cap: $4.105B info
NP
Apr 22, 2026, 4:17 PM EDT
Filing Type: 8-K
Importance Score:
8
Price at Filing: $28.07
Real-time Price: $29.71 info
Change: +$1.64 (+6%) info
Market Cap: $4.105B info
Research tools: Filing Impact Index Dilution Tracker Split Calendar Open Datasets