Neptune Insurance Holdings Inc.
Neptune Insurance Holdings Inc. is classed by the SEC under Insurance Agents, Brokers & Service (industry code 6411), based in St. Petersburg, FL. In its latest annual figures on file, for the fiscal year ended 2025-12-31, it reported revenue of $160 million and a loss of $27 million (its filed statements).
vs its business-model standard
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a brokerage business: prior from its industry code (SEC 6411, Insurance Agents, Brokers & Service); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 6.0 out of ten, 7 of 9 metrics filed and 2 estimated: past 6.6 out of ten, present 4.8 out of ten, future 7.3 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
- Surviving crises (past): 7.2 out of ten. No warning events in its filings since 2025. 72nd percentile among 30 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Track record (past): 8.0 out of ten. +37.1% a year over 3 filed years; profitable in 3 of 3. 80th percentile among 29 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Shareholder treatment (past): 3.4 out of ten. Share count grew 5.7% a year. 0% of cash flow returned. Insiders: 10 sales, 2 purchases. 34th percentile among 19 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Financial health (present): 0.8 out of ten. Leverage 448%: owes 448¢ per asset dollar. 8th percentile among 30 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Industry position (present): 6.4 out of ten. top 36% of 30 in its family; net margin 23.4%. 64th percentile among 30 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Leadership (present): 7.7 out of ten. CrossAssetData estimate 7.7/10, confidence 35 of 100 (one part). 77th percentile among 25 sector filers. A CrossAssetData estimate, not a filed reading: one part, confidence 35 of 100; a filing that carries the missing parts replaces this estimate with the filed reading.
- Room to expand (future): 9.3 out of ten. top 7% of 29 in its family for room to expand. 93rd percentile among 29 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Growth drivers (future): 7.2 out of ten. top 28% of 29 in its family for growth drivers. 72nd percentile among 29 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Expectations vs reality (future): 5.3 out of ten. CrossAssetData estimate 5.3/10, confidence 20 of 100 (family median). 50th percentile among 25 sector filers. A CrossAssetData estimate, not a filed reading: family median, confidence 20 of 100; its next annual report on file with the inputs replaces this estimate with the filed reading.
The filing record
Newest annual report: Form 10-K filed 2026-02-26 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-07-27 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-04-22 (on EDGAR). Newest filing: Form 4, 2026-10-09. Filings on record since 2025. Read from EDGAR 2026-10-12.
Where the revenue comes from
Product and service lines in fiscal 2025: Commission Income 77%, Fee Income 24%. As tagged in its annual report (Form 10-K, filed 2026-02-26).
Who runs it
Burgess, Trevor R (Chief Executive Officer); Duffy, Matthew Paul (President & Chief Risk Officer); Steiner, James (Chief Financial Officer); Carlon, Jonathan Winant (director); Melej, Cristian A (director); Noble, David Stanley Edward (director); Vostrizansky, Michael Warren (director); Greenberg, Blair J. (director). 8 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-10-09.
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