Neptune Insurance Holdings Inc.

NPNeptune Insurance Holdings Inc. US flag

New York Stock Exchange

30.24

USD

+0.36

- -

2.87BMarket Cap

Profitability (USD)

API ChatGPT

	2023 Y	2024 Y	2025 Y
As of date	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	- -	- -	- -
Return on Assets (%)	- -	77.03	65.95
Return on Capital (%)	- -	429.01	-37.62
Return on Invested Capital (%)	- -	371.72	438.28
Gross Margin (%)	64.23	66.41	58.67
EBITDA Margin (%)	56.1	59.91	52.39
Operating Margin (%)	53.53	57.37	50.06
Incremental Operating Margin (%)	- -	66.85	28.38
Pretax Margin (%)	28.11	38.88	33.62
Profit Margin (%)	21.07	29	23.45
Net Income to Common Margin (%)	21.07	29	-10.5
Effective Tax Rate (%)	25.03	25.42	30.25
Dvd Payout Ratio (%)	1,895.47	- -	-721.07
Sustainable Growth Rate (%)	- -	- -	- -

Credit (USD)

API ChatGPT

	2023 Y	2024 Y	2025 Y
As of date	12/31/2023	12/31/2024	12/31/2025

Total Debt	175	134	240
ST Debt	2	9	- -
LT Debt	173	125	240
Total Debt/EBITDA	3.67	1.87	2.87
Net Debt/EBITDA	3.5	1.77	2.78
Total Debt/EBIT	3.85	1.95	3
Net Debt/EBIT	3.67	1.85	2.9
EBITDA to Interest Expense	2.23	4.08	4.58
EBITDA-CapEx/Interest Expense	2.04	3.87	4.36
EBIT to Interest Expense	2.13	3.91	4.38
Interest Expense	21	18	18
Common Equity/Total Assets	-930.31	-760.77	-787.68
Long-Term Debt/Equity (%)	- -	- -	- -
Long-Term Debt/Capital (%)	1,199.55	1,604.06	-87.48
Long-Term Debt/Total Assets (%)	415.1	259.8	367.54
Total Debt/Equity (%)	-109.01	-106.48	-105.5
Total Debt/Capital (%)	1,212.73	1,713.69	-87.48
Total Debt/Total Assets (%)	419.66	277.56	367.54
Net Debt to Equity	-103.94	-100.83	-101.96
Net Debt/Capital (%)	2,652.4	17,951.35	-82.14
EBITDA	48	71	84
EBITDA-CapEx	44	68	80
Operating Income (Loss)	45	68	80

Liquidity (USD)

API ChatGPT

	2023 Y	2024 Y	2025 Y
As of date	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	0.28	0.15	0.15
Current Ratio	1.03	0.73	0.99
Quick Ratio	0.45	0.28	0.35
CFO/Avg Current Liab	- -	1.29	1.02
Common Equity/Total Assets	-930.31	-760.77	-787.68
Long-Term Debt/Equity (%)	- -	- -	- -
Long-Term Debt/Capital (%)	1,199.55	1,604.06	-87.48
Long-Term Debt/Total Assets (%)	415.1	259.8	367.54
Total Debt/Equity (%)	-109.01	-106.48	-105.5
Total Debt/Capital (%)	1,212.73	1,713.69	-87.48
Total Debt/Total Assets (%)	419.66	277.56	367.54
CFO/Total Liabilities	9.23	28.75	17.65
CFO/CapEx	4.63	13.45	12.99
Altman's Z-Score	-9.5	-4.82	0.84

Working Capital (USD)

API ChatGPT

	2023 Y	2024 Y	2025 Y
As of date	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	- -	67.15	47.68
Days Sales Outstanding	- -	5.44	7.65
Inventory Turnover	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -
Accounts Payable Turnover	- -	4.69	5.58
Accounts Payable Turnover Days	- -	77.83	65.37
Cash Conversion Cycle	- -	-72.4	-57.72
Inventory to Cash Days	- -	5.44	7.65
Inventories	- -	- -	- -
Raw Materials	- -	- -	- -
Work In Process	- -	- -	- -
Finished Goods	- -	- -	- -
Other Inventory	- -	- -	- -

Enterprise Value (USD)

API ChatGPT

	2023 Y	2024 Y	2025 Y
As of date	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	3,047
- Cash & Cash Equivalents	8	7	8
+ Preferred Equity and Hybrid Capital	227	240	- -
+ Minority/Non Controlling Interest	- -	- -	- -
+ Total Debt	175	134	240
Enterprise Value	394	367	3,279
Total Capital	14	8	-274
Total Debt/Capital (%)	1,212.73	1,713.69	-87.48
Total Debt / EV	0.44	0.36	0.07
EV/Sales	4.64	3.08	20.55
EV/EBITDA	8.27	5.14	39.23
EV/EBIT	8.67	5.36	41.06
EV/Cash Flow to Firm	11.37	5.83	50.92
EV/Free Cash Flow to Firm	10.19	5.5	47.96
Diluted Market Cap	- -	- -	3,047
Diluted Enterprise Value	394	367	3,279
EV per Share	2.91	2.71	31.38
TTM Sales	85	119	160
TTM EBITDA	48	71	84
TTM Operating Income	45	68	80
TTM Cash Flow to Firm	35	63	64
TTM Free Cash Flow to Firm	39	67	68

Multiples (USD)

API ChatGPT

	2023 Y	2024 Y	2025 Y
As of date	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	- -	54.76
EV/EBIT	8.67	5.36	41.06
Enterprise Value	394	367	3,279
Low Price	- -	- -	22
EV/Sales	4.64	3.08	20.55
EV/EBITDA	8.27	5.14	39.23
Price/Earnings	- -	- -	- -
Price/Earnings Average	- -	- -	-164.04
Price/Earnings High	- -	- -	-207.23
Price/Earnings Low	- -	- -	-137.2
Price/Book Value	- -	- -	-5.92
Price/Book Value Average	- -	- -	-5.34
Price/Book Value High	- -	- -	-6.75
Price/Book Value Low	- -	- -	-4.47
Price/Tangible Book Value	- -	- -	-12.82
Price/Tangible Book Value Average	- -	- -	-11.56
Price/Tangible Book Value High	- -	- -	-14.6
Price/Tangible Book Value Low	- -	- -	-9.67
Price/Sales	- -	- -	19.1
Price/Sales Average	- -	- -	17.23
Price/Sales High	- -	- -	21.77
Price/Sales Low	- -	- -	14.41
Price/Cash Flow	- -	- -	58.98
Price/Cash Flow Average	- -	- -	53.2
Price/Cash Flow High	- -	- -	67.21
Price/Cash Flow Low	- -	- -	44.5
Price/Free Cash Flow Average	- -	- -	49.4
Price/Free Cash Flow High	- -	- -	62.4
Price/Free Cash Flow Low	- -	- -	41.32
EV/Sales Average	4.64	3.08	18.68
EV/Sales High	4.64	3.08	23.22
EV/Sales Low	4.64	3.08	15.86
EV/EBITDA Average	8.27	5.14	35.66
EV/EBITDA High	8.27	5.14	44.32
EV/EBITDA Low	8.27	5.14	30.28
EV/EBIT Average	8.67	5.36	37.32
EV/EBIT High	8.67	5.36	46.38
EV/EBIT Low	8.67	5.36	31.69
Last Price	- -	- -	29.16
High Price	- -	- -	33.23
Enterprise Value Average	394	367	2,981
Enterprise Value High	394	367	3,705
Enterprise Value Low	394	367	2,531

Profitability (USD)

API ChatGPT

	2023 Y	2024 Y	2025 Y
As of date	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	- -	- -	- -
Return on Assets (%)	- -	77.03	65.95
Return on Capital (%)	- -	429.01	-37.62
Return on Invested Capital (%)	- -	371.72	438.28
Gross Margin (%)	64.23	66.41	58.67
EBITDA Margin (%)	56.1	59.91	52.39
Operating Margin (%)	53.53	57.37	50.06
Incremental Operating Margin (%)	- -	66.85	28.38
Pretax Margin (%)	28.11	38.88	33.62
Profit Margin (%)	21.07	29	23.45
Net Income to Common Margin (%)	21.07	29	-10.5
Effective Tax Rate (%)	25.03	25.42	30.25
Dvd Payout Ratio (%)	1,895.47	- -	-721.07
Sustainable Growth Rate (%)	- -	- -	- -

Credit (USD)

API ChatGPT

	2023 Y	2024 Y	2025 Y
As of date	12/31/2023	12/31/2024	12/31/2025

Total Debt	175	134	240
ST Debt	2	9	- -
LT Debt	173	125	240
Total Debt/EBITDA	3.67	1.87	2.87
Net Debt/EBITDA	3.5	1.77	2.78
Total Debt/EBIT	3.85	1.95	3
Net Debt/EBIT	3.67	1.85	2.9
EBITDA to Interest Expense	2.23	4.08	4.58
EBITDA-CapEx/Interest Expense	2.04	3.87	4.36
EBIT to Interest Expense	2.13	3.91	4.38
Interest Expense	21	18	18
Common Equity/Total Assets	-930.31	-760.77	-787.68
Long-Term Debt/Equity (%)	- -	- -	- -
Long-Term Debt/Capital (%)	1,199.55	1,604.06	-87.48
Long-Term Debt/Total Assets (%)	415.1	259.8	367.54
Total Debt/Equity (%)	-109.01	-106.48	-105.5
Total Debt/Capital (%)	1,212.73	1,713.69	-87.48
Total Debt/Total Assets (%)	419.66	277.56	367.54
Net Debt to Equity	-103.94	-100.83	-101.96
Net Debt/Capital (%)	2,652.4	17,951.35	-82.14
EBITDA	48	71	84
EBITDA-CapEx	44	68	80
Operating Income (Loss)	45	68	80

Liquidity (USD)

API ChatGPT

	2023 Y	2024 Y	2025 Y
As of date	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	0.28	0.15	0.15
Current Ratio	1.03	0.73	0.99
Quick Ratio	0.45	0.28	0.35
CFO/Avg Current Liab	- -	1.29	1.02
Common Equity/Total Assets	-930.31	-760.77	-787.68
Long-Term Debt/Equity (%)	- -	- -	- -
Long-Term Debt/Capital (%)	1,199.55	1,604.06	-87.48
Long-Term Debt/Total Assets (%)	415.1	259.8	367.54
Total Debt/Equity (%)	-109.01	-106.48	-105.5
Total Debt/Capital (%)	1,212.73	1,713.69	-87.48
Total Debt/Total Assets (%)	419.66	277.56	367.54
CFO/Total Liabilities	9.23	28.75	17.65
CFO/CapEx	4.63	13.45	12.99
Altman's Z-Score	-9.5	-4.82	0.84

Working Capital (USD)

API ChatGPT

	2023 Y	2024 Y	2025 Y
As of date	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	- -	67.15	47.68
Days Sales Outstanding	- -	5.44	7.65
Inventory Turnover	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -
Accounts Payable Turnover	- -	4.69	5.58
Accounts Payable Turnover Days	- -	77.83	65.37
Cash Conversion Cycle	- -	-72.4	-57.72
Inventory to Cash Days	- -	5.44	7.65
Inventories	- -	- -	- -
Raw Materials	- -	- -	- -
Work In Process	- -	- -	- -
Finished Goods	- -	- -	- -
Other Inventory	- -	- -	- -

Enterprise Value (USD)

API ChatGPT

	2023 Y	2024 Y	2025 Y
As of date	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	3,047
- Cash & Cash Equivalents	8	7	8
+ Preferred Equity and Hybrid Capital	227	240	- -
+ Minority/Non Controlling Interest	- -	- -	- -
+ Total Debt	175	134	240
Enterprise Value	394	367	3,279
Total Capital	14	8	-274
Total Debt/Capital (%)	1,212.73	1,713.69	-87.48
Total Debt / EV	0.44	0.36	0.07
EV/Sales	4.64	3.08	20.55
EV/EBITDA	8.27	5.14	39.23
EV/EBIT	8.67	5.36	41.06
EV/Cash Flow to Firm	11.37	5.83	50.92
EV/Free Cash Flow to Firm	10.19	5.5	47.96
Diluted Market Cap	- -	- -	3,047
Diluted Enterprise Value	394	367	3,279
EV per Share	2.91	2.71	31.38
TTM Sales	85	119	160
TTM EBITDA	48	71	84
TTM Operating Income	45	68	80
TTM Cash Flow to Firm	35	63	64
TTM Free Cash Flow to Firm	39	67	68

Multiples (USD)

API ChatGPT

	2023 Y	2024 Y	2025 Y
As of date	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	- -	54.76
EV/EBIT	8.67	5.36	41.06
Enterprise Value	394	367	3,279
Low Price	- -	- -	22
EV/Sales	4.64	3.08	20.55
EV/EBITDA	8.27	5.14	39.23
Price/Earnings	- -	- -	- -
Price/Earnings Average	- -	- -	-164.04
Price/Earnings High	- -	- -	-207.23
Price/Earnings Low	- -	- -	-137.2
Price/Book Value	- -	- -	-5.92
Price/Book Value Average	- -	- -	-5.34
Price/Book Value High	- -	- -	-6.75
Price/Book Value Low	- -	- -	-4.47
Price/Tangible Book Value	- -	- -	-12.82
Price/Tangible Book Value Average	- -	- -	-11.56
Price/Tangible Book Value High	- -	- -	-14.6
Price/Tangible Book Value Low	- -	- -	-9.67
Price/Sales	- -	- -	19.1
Price/Sales Average	- -	- -	17.23
Price/Sales High	- -	- -	21.77
Price/Sales Low	- -	- -	14.41
Price/Cash Flow	- -	- -	58.98
Price/Cash Flow Average	- -	- -	53.2
Price/Cash Flow High	- -	- -	67.21
Price/Cash Flow Low	- -	- -	44.5
Price/Free Cash Flow Average	- -	- -	49.4
Price/Free Cash Flow High	- -	- -	62.4
Price/Free Cash Flow Low	- -	- -	41.32
EV/Sales Average	4.64	3.08	18.68
EV/Sales High	4.64	3.08	23.22
EV/Sales Low	4.64	3.08	15.86
EV/EBITDA Average	8.27	5.14	35.66
EV/EBITDA High	8.27	5.14	44.32
EV/EBITDA Low	8.27	5.14	30.28
EV/EBIT Average	8.67	5.36	37.32
EV/EBIT High	8.67	5.36	46.38
EV/EBIT Low	8.67	5.36	31.69
Last Price	- -	- -	29.16
High Price	- -	- -	33.23
Enterprise Value Average	394	367	2,981
Enterprise Value High	394	367	3,705
Enterprise Value Low	394	367	2,531

Shares Outstanding	135	135	138
Diluted Weighted Avg Shares	135	135	105
Basic Weighted Avg Shares	135	135	105
Revenue per Share	0.63	0.88	1.53
EBITDA per Share	0.35	0.53	0.8
Operating Income per Share	0.34	0.51	0.76
Basic EPS, GAAP	0.13	0.26	-0.16
Basic EPS from Cont Ops	0.13	0.26	0.36
Diluted EPS, GAAP	0.13	0.26	-0.16
Diluted EPS from Cont Ops	0.13	0.26	0.36
Dividend per Share	2.51	- -	1.67
Cash Flow per Share	0.14	0.37	0.49
Free Cash Flow per Basic Share	0.11	0.34	0.46
Cash & Equivalents per Share	0.06	0.05	0.08
Book Value per Share	-2.87	-2.71	-4.92
Tangible Book Value per Share	-2.94	-2.78	-2.28

Neptune Insurance Holdings Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)