Neptune Insurance Hldgs - Public Comps and Valuation Multiples

Neptune Insurance Hldgs Overview

About Neptune Insurance Hldgs

Neptune Insurance Holdings Inc is a high-growth, data-driven MGA that is revolutionizing the way homeowners and businesses protect against the growing risks of flooding. It offers a range of easy-to-purchase residential and commercial insurance products - including primary flood insurance, excess flood insurance, and parametric earthquake insurance - distributed through a nationwide network of agencies. It underwrites and administers the issuance of insurance policies on behalf of a diverse panel of insurance and reinsurance companies, whom the company refer to as capacity providers, that manage both this risk and the associated claims handling.

Founded

2025

HQ

Employees

Website

neptuneflood.com

Sectors

Insurance Carriers

Financials

LTM Revenue $155M

LTM EBITDA $93.1M

EV

$3.9B

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Neptune Insurance Hldgs Financials

As of January 2026, Neptune Insurance Hldgs reported last 12-month revenue of $155M and EBITDA of $93.1M.

In the same period, Neptune Insurance Hldgs achieved $39.7M in LTM net income.

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Neptune Insurance Hldgs P&L

In the most recent fiscal year, Neptune Insurance Hldgs reported revenue of $119M and EBITDA of $66.9M.

Neptune Insurance Hldgs expects next 12-month revenue of XXX and NTM EBITDA of XXX

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	LTM	NTM	Last FY	FY 2026	FY 2027	FY 2028
Revenue	$155M	XXX	$119M	XXX	XXX	XXX
Gross Profit	n/a	XXX	$79.2M	XXX	XXX	XXX
Gross Margin	n/a	XXX	66%	XXX	XXX	XXX
EBITDA	$93.1M	XXX	$66.9M	XXX	XXX	XXX
EBITDA Margin	60%	XXX	56%	XXX	XXX	XXX
EBIT	$78.1M	XXX	$68.4M	XXX	XXX	XXX
EBIT Margin	50%	XXX	57%	XXX	XXX	XXX
Net Profit	$39.7M	XXX	$34.6M	XXX	XXX	XXX
Net Margin	26%	XXX	29%	XXX	XXX	XXX
Net Debt	XXX	XXX	$127M	XXX	XXX	XXX

Financial data powered by Morningstar, Inc.

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Financial performance metrics for Neptune Insurance Hldgs including revenue, profitability, and margin analysis across different time periods. The company reported last twelve months revenue of $155M. EBITDA for the last twelve months was $93.1M. In the most recent fiscal year, Neptune Insurance Hldgs achieved $119M in revenue and $66.9M in EBITDA.
Financial Metric	Last Twelve Months (LTM)	Next Twelve Months (NTM)	Most Recent Fiscal Year	Current Fiscal Year (2026)	Next Fiscal Year (2027)	Two Years Forward (2028)
Total Revenue	$155M	Analyst estimates available to subscribers	$119M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Gross Profit	n/a	Analyst estimates available to subscribers	$79.2M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Gross Profit Margin	n/a	Analyst estimates available to subscribers	66.4% gross profit margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBITDA (Earnings Before Interest, Taxes, Depreciation, Amortization)	$93.1M	Analyst estimates available to subscribers	$66.9M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBITDA Margin	60.2% EBITDA margin	Analyst estimates available to subscribers	56.1% EBITDA margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBIT (Earnings Before Interest and Taxes)	$78.1M	Analyst estimates available to subscribers	$68.4M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBIT Margin	50.5% EBIT margin	Analyst estimates available to subscribers	57.4% EBIT margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Income (Net Profit)	$39.7M	Analyst estimates available to subscribers	$34.6M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Profit Margin	25.7% net profit margin	Analyst estimates available to subscribers	29.0% net profit margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Debt Position	Detailed debt information available to subscribers	Detailed debt information available to subscribers	$127M	Detailed debt information available to subscribers	Detailed debt information available to subscribers	Detailed debt information available to subscribers

Financial Performance Summary for Neptune Insurance Hldgs

This financial data table provides comprehensive performance metrics for Neptune Insurance Hldgs, a company based in United States of America. The metrics include revenue, profitability measures, and operational efficiency indicators across multiple time periods.

Recent Performance Highlights

Neptune Insurance Hldgs generated $155M in revenue over the last twelve months.
The company achieved $93.1M in EBITDA over the last twelve months.
Net income over the last twelve months reached $39.7M.

Fiscal Year Performance

In the most recent fiscal year, Neptune Insurance Hldgs reported $119M in total revenue.
Fiscal year EBITDA was $66.9M.
The company maintained a gross profit margin of 66.4% in the most recent fiscal year.
EBITDA margin for the fiscal year was 56.1%.
Net profit margin reached 29.0% in the most recent fiscal year.

This financial data is sourced from Morningstar, Inc. and represents the most recent available information for Neptune Insurance Hldgs. Forward-looking estimates and detailed financial projections are available through our premium subscription service.

Neptune Insurance Hldgs Stock Performance

Neptune Insurance Hldgs has current market cap of $3.4B, and EV of $3.9B.

Market Cap Evolution

Neptune Insurance Hldgs Stock Data

As of February 6, 2026, Neptune Insurance Hldgs's stock price is $25.

See Neptune Insurance Hldgs trading valuation data

EV	Market Cap	Price 1D	Price 1M	Price 3M	Price 12M	EPS
$3.9B	$3.4B	XXX	XXX	XXX	XXX	$0.38

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Neptune Insurance Hldgs Valuation Multiples

Neptune Insurance Hldgs's trades at 25.4x EV/Revenue multiple, and 42.2x EV/EBITDA.

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Neptune Insurance Hldgs Financial Valuation Multiples

As of February 6, 2026, Neptune Insurance Hldgs has market cap of $3.4B and EV of $3.9B.

Equity research analysts estimate Neptune Insurance Hldgs's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX

Neptune Insurance Hldgs has a P/E ratio of 86.2x.

	LTM	NTM	Last FY	FY 2026	FY 2027	FY 2028
Market cap (current)	$3.4B	XXX	$3.4B	XXX	XXX	XXX
EV (current)	$3.9B	XXX	$3.9B	XXX	XXX	XXX
EV/Revenue	25.4x	XXX	25.4x	XXX	XXX	XXX
EV/EBITDA	42.2x	XXX	42.2x	XXX	XXX	XXX
EV/EBIT	50.3x	XXX	50.3x	XXX	XXX	XXX
EV/Gross Profit	n/a	XXX	n/a	XXX	XXX	XXX
P/E	86.2x	XXX	86.2x	XXX	XXX	XXX
EV/FCF	64.0x	XXX	64.0x	XXX	XXX	XXX

Valuation data powered by FactSet, Inc. and Morningstar, Inc.

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Neptune Insurance Hldgs Margins & Growth Rates

Neptune Insurance Hldgs's last 12 month revenue growth is 22%

Neptune Insurance Hldgs's revenue per employee in the last FY averaged $2.0M, while opex per employee averaged $0.2M for the same period.

Neptune Insurance Hldgs's rule of 40 is 78% (metric relevant for SaaS companies only, counted as combined revenue growth rate and EBITDA margin).

Neptune Insurance Hldgs's rule of X is 115% (created by Bessemer, rule of X is another metric relevant for SaaS companies only, ~1.5x stronger vs. the traditional Rule of 40, counted as revenue growth rate multiplied by 2.5 plus EBITDA margin).

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Neptune Insurance Hldgs Operational Valuation Multiples

	LTM	NTM	Last FY	FY 2026	FY 2027	FY 2028
Revenue Growth	22%	XXX	19%	XXX	XXX	XXX
EBITDA Margin	60%	XXX	60%	XXX	XXX	XXX
EBITDA Growth	23%	XXX	40%	XXX	XXX	XXX
Rule of 40	78%	XXX	82%	XXX	XXX	XXX
Bessemer Rule of X	XXX	XXX	115%	XXX	XXX	XXX
Revenue per Employee	XXX	XXX	$2.0M	XXX	XXX	XXX
Opex per Employee	XXX	XXX	$0.2M	XXX	XXX	XXX
S&M Expenses to Revenue	XXX	XXX	n/a	XXX	XXX	XXX
G&A Expenses to Revenue	XXX	XXX	n/a	XXX	XXX	XXX
R&D Expenses to Revenue	XXX	XXX	n/a	XXX	XXX	XXX
Opex to Revenue	XXX	XXX	9%	XXX	XXX	XXX

Valuation data powered by FactSet, Inc. and Morningstar, Inc.

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