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Side-by-side financial comparison of Neptune Insurance Holdings Inc. (NP) and NPK International Inc. (NPKI). Click either name above to swap in a different company.
NPK International Inc. is the larger business by last-quarter revenue ($75.2M vs $37.8M, roughly 2.0× Neptune Insurance Holdings Inc.). On growth, NPK International Inc. posted the faster year-over-year revenue change (30.7% vs 28.8%).
Neptune Insurance Holdings Inc. is a specialty insurance holding company that offers a broad portfolio of property and casualty insurance products, with a core focus on residential and commercial flood insurance for customers across the United States. It serves both individual consumers and small to mid-sized business clients, using advanced data analytics to support accurate policy pricing and robust risk management.
NP vs NPKI — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $37.8M | $75.2M |
| Net Profit | $50.0K | — |
| Gross Margin | — | 37.7% |
| Operating Margin | — | 16.7% |
| Net Margin | 0.1% | — |
| Revenue YoY | 28.8% | 30.7% |
| Net Profit YoY | 0.0% | — |
| EPS (diluted) | $0.05 | $0.17 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q1 26 | $37.8M | — | ||
| Q4 25 | — | $75.2M | ||
| Q3 25 | $44.4M | $68.8M | ||
| Q2 25 | — | $68.2M | ||
| Q1 25 | — | $64.8M | ||
| Q4 24 | — | $57.5M | ||
| Q3 24 | $33.8M | $44.2M | ||
| Q2 24 | — | $66.8M |
| Q1 26 | $50.0K | — | ||
| Q4 25 | — | — | ||
| Q3 25 | $11.5M | $5.7M | ||
| Q2 25 | — | $8.7M | ||
| Q1 25 | — | $10.0M | ||
| Q4 24 | — | — | ||
| Q3 24 | $12.1M | $-174.3M | ||
| Q2 24 | — | $8.0M |
| Q1 26 | — | — | ||
| Q4 25 | — | 37.7% | ||
| Q3 25 | — | 31.9% | ||
| Q2 25 | — | 36.9% | ||
| Q1 25 | — | 39.0% | ||
| Q4 24 | — | 39.2% | ||
| Q3 24 | — | 27.5% | ||
| Q2 24 | — | 37.2% |
| Q1 26 | — | — | ||
| Q4 25 | — | 16.7% | ||
| Q3 25 | 46.7% | 13.2% | ||
| Q2 25 | — | 17.0% | ||
| Q1 25 | — | 20.9% | ||
| Q4 24 | — | 20.2% | ||
| Q3 24 | 58.6% | 2.8% | ||
| Q2 24 | — | 18.7% |
| Q1 26 | 0.1% | — | ||
| Q4 25 | — | — | ||
| Q3 25 | 25.9% | 8.2% | ||
| Q2 25 | — | 12.7% | ||
| Q1 25 | — | 15.4% | ||
| Q4 24 | — | — | ||
| Q3 24 | 35.8% | -394.3% | ||
| Q2 24 | — | 12.0% |
| Q1 26 | $0.05 | — | ||
| Q4 25 | — | $0.17 | ||
| Q3 25 | $0.06 | $0.07 | ||
| Q2 25 | — | $0.10 | ||
| Q1 25 | — | $0.11 | ||
| Q4 24 | — | $0.10 | ||
| Q3 24 | $0.06 | $-1.99 | ||
| Q2 24 | — | $0.09 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $5.1M |
| Total DebtLower is stronger | — | $16.9M |
| Stockholders' EquityBook value | — | $351.2M |
| Total Assets | — | $441.8M |
| Debt / EquityLower = less leverage | — | 0.05× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | — | $5.1M | ||
| Q3 25 | $12.2M | $35.6M | ||
| Q2 25 | — | $26.0M | ||
| Q1 25 | — | $20.8M | ||
| Q4 24 | — | $17.8M | ||
| Q3 24 | — | $42.9M | ||
| Q2 24 | — | $35.1M |
| Q1 26 | — | — | ||
| Q4 25 | — | $16.9M | ||
| Q3 25 | $247.6M | $9.5M | ||
| Q2 25 | — | $9.3M | ||
| Q1 25 | — | $8.1M | ||
| Q4 24 | — | $7.7M | ||
| Q3 24 | — | $14.0M | ||
| Q2 24 | — | $58.0M |
| Q1 26 | — | — | ||
| Q4 25 | — | $351.2M | ||
| Q3 25 | $-509.5M | $333.9M | ||
| Q2 25 | — | $328.8M | ||
| Q1 25 | — | $326.9M | ||
| Q4 24 | — | $326.5M | ||
| Q3 24 | $-374.3M | $316.5M | ||
| Q2 24 | — | $426.6M |
| Q1 26 | — | — | ||
| Q4 25 | — | $441.8M | ||
| Q3 25 | $89.6M | $404.5M | ||
| Q2 25 | — | $393.7M | ||
| Q1 25 | — | $390.0M | ||
| Q4 24 | — | $393.7M | ||
| Q3 24 | — | $389.6M | ||
| Q2 24 | — | $624.8M |
| Q1 26 | — | — | ||
| Q4 25 | — | 0.05× | ||
| Q3 25 | — | 0.03× | ||
| Q2 25 | — | 0.03× | ||
| Q1 25 | — | 0.02× | ||
| Q4 24 | — | 0.02× | ||
| Q3 24 | — | 0.04× | ||
| Q2 24 | — | 0.14× |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | — | $18.0M |
| Free Cash FlowOCF − Capex | — | $5.8M |
| FCF MarginFCF / Revenue | — | 7.6% |
| Capex IntensityCapex / Revenue | — | 16.3% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $26.3M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | — | $18.0M | ||
| Q3 25 | $38.9M | $24.7M | ||
| Q2 25 | — | $21.4M | ||
| Q1 25 | — | $8.8M | ||
| Q4 24 | — | $-4.1M | ||
| Q3 24 | — | $2.8M | ||
| Q2 24 | — | $27.6M |
| Q1 26 | — | — | ||
| Q4 25 | — | $5.8M | ||
| Q3 25 | — | $12.0M | ||
| Q2 25 | — | $9.7M | ||
| Q1 25 | — | $-1.2M | ||
| Q4 24 | — | $-17.7M | ||
| Q3 24 | — | $-6.7M | ||
| Q2 24 | — | $21.0M |
| Q1 26 | — | — | ||
| Q4 25 | — | 7.6% | ||
| Q3 25 | — | 17.4% | ||
| Q2 25 | — | 14.3% | ||
| Q1 25 | — | -1.8% | ||
| Q4 24 | — | -30.8% | ||
| Q3 24 | — | -15.2% | ||
| Q2 24 | — | 31.4% |
| Q1 26 | — | — | ||
| Q4 25 | — | 16.3% | ||
| Q3 25 | — | 18.5% | ||
| Q2 25 | — | 17.1% | ||
| Q1 25 | — | 15.5% | ||
| Q4 24 | — | 23.6% | ||
| Q3 24 | — | 21.4% | ||
| Q2 24 | — | 9.9% |
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | 3.38× | 4.37× | ||
| Q2 25 | — | 2.47× | ||
| Q1 25 | — | 0.88× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 3.43× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
NP
Segment breakdown not available.
NPKI
| Rental Revenue | $34.8M | 46% |
| Products | $25.5M | 34% |
| Services | $14.9M | 20% |
