Sep 2026 (Q3 FY26) β Oct 20, 2026
Neptune Insurance Holdings Inc. Q3 FY26 β Record Revenue and EBITDA with Strong Operational Leverage
Read the full callNeptune Insurance Holdings (NP) earnings
- Sep 2026
- Sep 2026 (Q3 FY26)
- Dec 2025
Neptune Insurance Holdings earnings: last reported Tue, 20 Oct 2026, for the quarter ended Sep 2026.
Reported
The figures, each with its period
Each figure keeps its basis and period; nothing is filled in.
| Metric | Value | Change | Basis | Period | Note |
|---|---|---|---|---|---|
| Revenue | 59.6 | +34.3% YoY | Quarterly, as filed | Quarter to Sep 2026 | Revenue from operations as filed. |
| Operating margin | 47.0 | +0.3 pts YoY | Operating profit / revenue | Quarter to Sep 2026 | For the quarter; a change is in percentage points. |
| Net profit | 17.3 | +49.9% YoY | Quarterly, as filed | Quarter to Sep 2026 | Profit after tax as filed. |
Price
$28.44 β0.97% Β· β$0.28
Performance +14.7% 1Y
1Y: $24.8 on 22 Oct 2025 β $28.44. High $35.11 (29 Jul 2026), low $17.14 (12 Feb 2026).
- Previous close
- $28.72
- 52-week range
- $17.14 β $35.11
- One year
- +13.35%
Overview
- Symbol
- NP
- Sector
- Financials
- Exchange
- US
- Currency
- USD
Call summaries
Jun 2026 (Q2 FY26) β Jul 22, 2026
Neptune Q2 FY26 β Record Quarter Driven by Distribution Momentum and AI-Powered Agent Tools
Read the full callMar 2026 (Q1 FY26) β Apr 22, 2026
Neptune Insurance Holdings Q1 FY26 β Record Q1 Sales and Increased Full-Year Outlook Driven by AI-Native Platform
Read the full callEvery analysed call
Neptune Insurance Holdings earnings calls (NP)
Financials
What the filings say
Net profit, year on year: +50% (quarter to sep 2026 against sep 2025).
| Line item | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | Sep 2026 |
|---|---|---|---|---|---|---|---|---|
| Sales | 32 | 29 | 42 | 44 | 44 | 38 | 56 | 60 |
| Operating profit | 18 | 16 | 21 | 21 | 13 | 13 | 27 | 28 |
| Operating margin | 58.4% | 53.2% | 50.6% | 46.7% | 30.5% | 35.6% | 47.5% | 47.0% |
| Interest | 3 | 2 | 6 | 6 | 4 | 4 | 4 | 4 |
| Profit before tax | 15 | 13 | 16 | 15 | 9 | 10 | 23 | 25 |
| Tax rate | 25.0% | 25.8% | 25.8% | 25.6% | 52.3% | 27.1% | 31.9% | 30.2% |
| Net profit | 12 | 10 | 12 | 12 | 4 | 7 | 16 | 17 |
| EPS ($ per share) | β | 0.05 | 0.49 | 0.06 | β | 0.05 | 0.11 | 0.13 |
| Line item | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|
| Equity capital | β | 0 | β |
| Reserves | β | -366 | -514 |
| Total liabilities | β | 174 | 293 |
| Total assets | β | 48 | 65 |
| Line item | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|
| Cash from operations | 19 | 50 | 52 |
| Cash from investing | -4 | -4 | -4 |
| Cash from financing | -10 | -42 | -35 |
NP operating KPIs by quarter
| KPI | Mar 2026 Q1 FY26 | Jun 2026 Q2 FY26 | Sep 2026 Q3 FY26 | Change vs prior quarter |
|---|---|---|---|---|
| Employees | 62Q1 was a very strong quarter for our system and our team of 62 exceptional employees.Source: earnings call transcript | 59I think we're at 59 today.Source: earnings call transcript | 59Over this past year, I'm incredibly proud that we have grown our revenue by 34%, our adjusted EBITDA by 38%, our premium in force by 32%, our policies in force by 29%, all while our number of employees has actually fallen from 60 to 59.Source: earnings call transcript | 0% |
| Policies in force | β | 316K+Premium in force reached 419 million, up 32%, and we now have over 316,000 policies in force, up 29%.Source: earnings call transcript | 336K+Premium in force reached $450 million, up 32%, and we now have more than 336,000 policies in force, up 29%.Source: earnings call transcript | β |
Operating figures the company stated on at least two of the calls shown, checked against each call's transcript. Click a figure to read the sentence. A dash means it was not stated that quarter.
Insider filings
30 filings between Feb 20, 2026 and Oct 8, 2026.
Open market
decisions to buy or sellPurchases
$1.43M
2 purchases by 2 insiders
Sales
$424.35M
14 sales by 5 insiders
36% filed under a 10b5-1 plan β scheduled in advance, not decided on the day
Compensation
not trading decisions- 6
- Award β granted as compensation
- 4
- Tax withheld β shares kept back by the company to cover tax
Also filed: 4 other filings.
Who traded
open market only| Insider | Bought | Sold | Last filing |
|---|---|---|---|
| FTV VII, L.P. | β | $221.50M | Jul 29, 2026 |
| BSIV Hold 101, LP | β | $193.55M | Jul 29, 2026 |
| Duffy Matthew Paul | β | $4.60M | Oct 8, 2026 |
| Steiner James | β | $3.14M | Aug 13, 2026 |
| Carlon Jonathan Winant | β | $1.56M | Sep 14, 2026 |
| Burgess Trevor R | $935.3K | β | Mar 13, 2026 |
| Vostrizansky Michael Warren | $494.4K | β | Feb 20, 2026 |
Latest filings (50)
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| Oct 8, 2026 | Duffy Matthew Paul President & Chief Risk Officer | Sale 10b5-1 plan | 30,802 | $876.8K |
| Oct 8, 2026 | Duffy Matthew Paul President & Chief Risk Officer | Sale 10b5-1 plan | 53,639 | $1.50M |
| Oct 6, 2026 | Duffy Matthew Paul President & Chief Risk Officer | Sale 10b5-1 plan | 41,392 | $1.12M |
| Oct 2, 2026 | Duffy Matthew Paul President & Chief Risk Officer | Sale 10b5-1 plan | 1,200 | $34.2K |
| Oct 2, 2026 | Duffy Matthew Paul President & Chief Risk Officer | Sale 10b5-1 plan | 38,537 | $1.07M |
| Sep 30, 2026 | Duffy Matthew Paul President & Chief Risk Officer | Tax withheld | 98,381 | $2.69M |
| Sep 30, 2026 | Duffy Matthew Paul President & Chief Risk Officer | Award | 191,896 | $0 |
| Sep 30, 2026 | Steiner James Chief Financial Officer | Tax withheld | 64,777 | $1.77M |
| Sep 30, 2026 | Burgess Trevor R Chief Executive Officer | Award | 480,544 | $0 |
| Sep 30, 2026 | Steiner James Chief Financial Officer | Award | 75,288 | $0 |
| Sep 30, 2026 | Burgess Trevor R Chief Executive Officer | Tax withheld | 254,836 | $6.97M |
| Sep 30, 2026 | Melej Cristian A Director | Award | 9,568 | $0 |
| Sep 30, 2026 | Noble David Stanley Edward Director | Award | 28,704 | $0 |
| Sep 30, 2026 | Carlon Jonathan Winant Director | Tax withheld | 6,088 | $166.5K |
| Sep 30, 2026 | Carlon Jonathan Winant Director | Award | 9,568 | $0 |
| Sep 14, 2026 | Steiner James Chief Financial Officer | Other | 3,349,050 | β |
| Sep 14, 2026 | Steiner James Chief Financial Officer | Other | 3,349,050 | β |
| Sep 14, 2026 | Carlon Jonathan Winant Director | Sale | 50,000 | $1.56M |
| Sep 9, 2026 | Steiner James Chief Financial Officer | Other | 400,000 | β |
| Sep 9, 2026 | Steiner James Chief Financial Officer | Other | 400,000 | β |
| Aug 13, 2026 | Steiner James Chief Financial Officer | Sale | 57,012 | $1.81M |
| Aug 12, 2026 | Steiner James Chief Financial Officer | Sale | 42,988 | $1.34M |
| Jul 29, 2026 | FTV VII, L.P. 10% owner | Sale | 1,867,840 | $62.05M |
| Jul 29, 2026 | BSIV Hold 101, LP 10% owner | Sale | 1,632,160 | $54.22M |
| May 19, 2026 | FTV VII, L.P. 10% owner | Sale | 787,806 | $20.80M |
| May 19, 2026 | BSIV Hold 101, LP 10% owner | Sale | 688,403 | $18.17M |
| May 15, 2026 | BSIV Hold 101, LP 10% owner | Sale | 4,589,351 | $121.16M |
| May 15, 2026 | FTV VII, L.P. 10% owner | Sale | 5,252,044 | $138.65M |
| Mar 13, 2026 | Burgess Trevor R CEO & Chairman of the Board | Purchase | 50,000 | $935.3K |
| Feb 20, 2026 | Vostrizansky Michael Warren Director | Purchase | 23,000 | $494.4K |
| Oct 2, 2025 | Burgess Trevor R CEO & Chairman of the Board | Purchase | 50,000 | $1.00M |
| Oct 2, 2025 | Carlon Jonathan Winant Director | Purchase | 5,000 | $100.0K |
| Oct 2, 2025 | Steiner James CFO and Secretary | Purchase | 119,050 | $2.38M |
| Oct 2, 2025 | Burgess Trevor R CEO & Chairman of the Board | Other | 17,885,000 | β |
| Oct 2, 2025 | Burgess Trevor R CEO & Chairman of the Board | Other | 17,885,000 | β |
| Oct 2, 2025 | Burgess Trevor R CEO & Chairman of the Board | Other | 511,000 | β |
| Oct 2, 2025 | Burgess Trevor R CEO & Chairman of the Board | Other | 511,000 | β |
| Oct 2, 2025 | Burgess Trevor R CEO & Chairman of the Board | Other | 511,000 | β |
| Oct 2, 2025 | Burgess Trevor R CEO & Chairman of the Board | Award | 1,982,964 | $0 |
| Oct 2, 2025 | Burgess Trevor R CEO & Chairman of the Board | Other | 25,039,000 | β |
| Oct 2, 2025 | Steiner James CFO and Secretary | Award | 535,665 | $0 |
| Oct 2, 2025 | Steiner James CFO and Secretary | Other | 3,730,000 | β |
| Oct 2, 2025 | Steiner James CFO and Secretary | Other | 3,730,000 | β |
| Oct 2, 2025 | Carlon Jonathan Winant Director | Award | 73,500 | $0 |
| Oct 2, 2025 | Carlon Jonathan Winant Director | Other | 575,000 | β |
| Oct 2, 2025 | Burgess Trevor R CEO & Chairman of the Board | Other | 25,039,000 | β |
| Oct 2, 2025 | Carlon Jonathan Winant Director | Other | 511,000 | β |
| Oct 2, 2025 | Carlon Jonathan Winant Director | Other | 511,000 | β |
| Oct 2, 2025 | Carlon Jonathan Winant Director | Other | 4,599,000 | β |
| Oct 2, 2025 | Carlon Jonathan Winant Director | Other | 4,599,000 | β |
Source: SEC Form 4 filings. Form 4 reports transactions, not the cap table β absence of filings says nothing about how much an insider owns, and a quiet window is not a signal.
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