NP · Neptune Insurance Holdings Inc.
Price & Indicators
The closing range uses available history since Oct 1, 2025; less than a full year is stored.
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AI Brief
TL;DR.
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Equibles Rating
blended score · not investment adviceBlended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Strong BuyIllustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
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| Adjusted basic earnings per share non-GAAP | $0.1 | Three Months Ended March 31, 2026 | — |
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GAAP → non-GAAP reconciliationGAAP Basic earnings (loss) per share $0.05
+$0 Effect of conversion of redeemable, convertible preferred stock and net loss attributable to preferred stock holders
+$0.08 Other adjustments to earnings (loss) per share
-$0.03 Adjusted income taxes per share
= Adjusted basic earnings per share $0.1
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| Adjusted EBITDA non-GAAP | $99.45M | Twelve Months Ended March 31, 2026 | — |
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GAAP → non-GAAP reconciliationGAAP Net income $34.82M
+$18.45M Interest expense (net of interest income)
+$15.49M Income tax expense
+$0K Loss on extinguishment of debt
+$3.84M Amortization expense
+$18.25M Share-based compensation
+$8.56M Corporate transaction related expenses
+$33K One-time expenses
= Adjusted EBITDA $99.45M
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| Adjusted EBITDA margin non-GAAP | 59.2% | Twelve Months Ended March 31, 2026 | -0.5% |
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| Adjusted EBITDA per employee non-GAAP | $1.66M | Twelve Months Ended March 31, 2026 | +4.9% |
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| Adjusted net income non-GAAP | $13.41M | Three Months Ended March 31, 2026 | — |
GAAP → non-GAAP reconciliationGAAP Adjusted Income before income tax expense $18.2M
-$4.79M Adjusted income taxes
= Adjusted net income $13.41M
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| Cumulative Triton Versions | 570 | Q1 2026 | — |
| Number of capacity providers | 42 | Q1 2026 | — |
| Operating cash flow | $16.7M | Q1 2026 | — |
| Premium in Force | 389M | Q1 2026 | — |
| Products | 9 | Q1 2026 | — |
| Programs | 8 | Q1 2026 | — |
| Revenue per employee non-GAAP | $2.8M | Twelve Months Ended March 31, 2026 | +5.5% |
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| Written Premium | 86.7M | Q1 2026 | — |
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| Adjusted diluted earnings per share non-GAAP | $0.41 | FY 2025 | — |
GAAP → non-GAAP reconciliationGAAP Diluted earnings (loss) per share -$0.26
+$0.65 Effect of conversion of redeemable, convertible preferred stock
+$0.17 Other adjustments to earnings (loss) per share
-$0.15 Adjusted income taxes per share
= Adjusted diluted earnings per share $0.41
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| Average number of employees | 60 | Full Year 2025 | — |
| Coverage Provided | $122B | FY 2025 | — |
| Policies in Force | -280.2K | FY 2025 | — |
| Policy Retention | 86.1% | FY 2025 | — |
| Property Owners Covered | 280,200 | FY 2025 | — |
| Revenue Retention | 91.7% | FY 2025 | — |
| Triton Quotes Processed | 6M | FY 2025 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Insurance Brokers — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
NP
this stock
Neptune Insurance Holdings Inc.
|
$4.68B | +16.2% | +33.7% | — | 1.7% |
|
MRSH
Marsh & Mclennan Companies, Inc.
|
$90.67B | +3.8% | +10.3% | 23.2 | 1.5% |
|
AON
Aon plc
|
$75.39B | +0.7% | +7.7% | 19.6 | 1.6% |
|
AJG
Arthur J. Gallagher & Co.
|
$68.58B | +3.4% | +10.1% | 44.4 | 2.3% |
|
WTW
Willis Towers Watson PLC
|
$31.92B | +4.6% | -2.2% | 21.3 | 3.1% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionPerformance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| NP | +1.5% | +6.8% | +70.8% | +6.8% | +16.2% |
| SPY | +0.5% | +3.0% | +13.4% | +3.0% | +12.8% |
| vs SPY | +1.1% | +3.8% | +57.4% | +3.8% | +3.3% |
Capital returns
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.