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Neptune Insurance Holdings, Inc. Class A (NP) Ratios
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Neptune Insurance Holdings, Inc. Class A Ratios
NP's free cash flow for Q3 2026 was $25.88M. For the 2026 fiscal year, NP's free cash flow was decreased by $-1.05M and operating cash flow was $25.88M. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 |
|---|---|---|---|
| Liquidity Ratios | |||
| Current Ratio | 0.99 | 0.73 | 1.03 |
| Quick Ratio | 0.99 | 0.73 | 1.03 |
| Cash Ratio | 0.15 | 0.15 | 0.28 |
| Solvency Ratio | 0.14 | 0.09 | 0.05 |
| Operating Cash Flow Ratio | 0.98 | 1.03 | 0.64 |
| Short-Term Operating Cash Flow Coverage | 0.00 | 5.84 | 9.81 |
| Net Current Asset Value | $ -240.33M | $ -378.92M | $ -399.41M |
| Leverage Ratios | |||
| Debt-to-Assets Ratio | 3.68 | 2.78 | 4.20 |
| Debt-to-Equity Ratio | -1.05 | -0.37 | -0.45 |
| Debt-to-Capital Ratio | 19.19 | -0.58 | -0.82 |
| Long-Term Debt-to-Capital Ratio | 19.19 | -0.52 | -0.81 |
| Financial Leverage Ratio | -0.29 | -0.13 | -0.11 |
| Debt Service Coverage Ratio | 3.25 | 2.12 | 1.78 |
| Interest Coverage Ratio | 4.38 | 3.91 | 2.13 |
| Debt to Market Cap | 0.06 | 0.58 | 0.75 |
| Interest Debt Per Share | 1.87 | 16.19 | 20.98 |
| Net Debt to EBITDA | 3.07 | 1.89 | 3.52 |
| Profitability Margins | |||
| Gross Profit Margin | 64.59% | 66.41% | 64.23% |
| EBIT Margin | 45.05% | 53.56% | 53.24% |
| EBITDA Margin | 47.38% | 56.10% | 55.81% |
| Operating Profit Margin | 50.06% | 57.37% | 53.53% |
| Pretax Profit Margin | 33.62% | 38.88% | 28.11% |
| Net Profit Margin | 23.45% | 29.00% | 21.07% |
| Continuous Operations Profit Margin | 23.45% | 29.00% | 21.07% |
| Net Income Per EBT | 69.75% | 74.58% | 74.97% |
| EBT Per EBIT | 67.15% | 67.76% | 52.51% |
| Return on Assets (ROA) | 57.29% | 71.84% | 42.93% |
| Return on Equity (ROE) | -16.45% | -9.45% | -4.61% |
| Return on Capital Employed (ROCE) | 638.64% | -16532.85% | 361.71% |
| Return on Invested Capital (ROIC) | 445.48% | 627.45% | 235.55% |
| Return on Tangible Assets | 61.29% | 90.73% | 55.32% |
| Earnings Yield | 0.93% | 14.94% | 7.71% |
| Efficiency Ratios | |||
| Receivables Turnover | 15.04 | 17.78 | 17.41 |
| Payables Turnover | 5.57 | 4.13 | 4.11 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 0.00 | 0.00 | 0.00 |
| Asset Turnover | 2.44 | 2.48 | 2.04 |
| Working Capital Turnover Ratio | -23.34 | -18.95 | 0.00 |
| Cash Conversion Cycle | -41.26 | -67.77 | -67.94 |
| Days of Sales Outstanding | 24.26 | 20.52 | 20.97 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 65.52 | 88.30 | 88.91 |
| Operating Cycle | 24.26 | 20.52 | 20.97 |
| Cash Flow Ratios | |||
| Operating Cash Flow Per Share | 0.37 | 5.35 | 1.99 |
| Free Cash Flow Per Share | 0.35 | 4.95 | 1.56 |
| Dividend Paid and CapEx Coverage Ratio | 0.29 | 13.45 | 0.05 |
| Capital Expenditure Coverage Ratio | 12.99 | 13.45 | 4.63 |
| Operating Cash Flow Coverage Ratio | 0.22 | 0.37 | 0.11 |
| Operating Cash Flow to Sales Ratio | 0.32 | 0.42 | 0.22 |
| Free Cash Flow Yield | 1.18% | 19.96% | 6.30% |
| Valuation Ratios | |||
| Price-to-Earnings (P/E) Ratio | 108.00 | 15.70 | 12.97 |
| Price-to-Sales (P/S) Ratio | 25.25 | 1.94 | 2.73 |
| Price-to-Book (P/B) Ratio | -17.71 | -0.63 | -0.60 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 84.47 | 5.01 | 15.87 |
| Price-to-Operating Cash Flow Ratio | 77.97 | 4.64 | 12.44 |
| Price-to-Earnings Growth (PEG) Ratio | -1.30 | 0.30 | 0.00 |
| Enterprise Value Multiple | 56.36 | 5.35 | 8.42 |
| Enterprise Value | 4.26B | 358.06M | 398.67M |
| EV to EBITDA | 56.36 | 5.35 | 8.42 |
| EV to Sales | 26.70 | 3.00 | 4.70 |
| EV to Free Cash Flow | 89.33 | 7.75 | 27.27 |
| EV to Operating Cash Flow | 82.46 | 7.17 | 21.38 |
| Tangible Book Value Per Share | -1.68 | -40.28 | -42.44 |
| Shareholders’ Equity Per Share | -1.65 | -39.21 | -41.44 |
| Tax and Other Ratios | |||
| Effective Tax Rate | 0.30 | 0.25 | 0.25 |
| Revenue Per Share | 1.15 | 12.78 | 9.07 |
| Net Income Per Share | 0.27 | 3.71 | 1.91 |
| Tax Burden | 0.70 | 0.75 | 0.75 |
| Interest Burden | 0.75 | 0.73 | 0.53 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.06 | 0.07 | 0.08 |
| Stock-Based Compensation to Revenue | 0.07 | 0.00 | 0.00 |
| Income Quality | 1.38 | 1.44 | 1.04 |
Currency in USD
