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Side-by-side financial comparison of Neptune Insurance Holdings Inc. (NP) and OFF THE HOOK YS INC. (OTH). Click either name above to swap in a different company.
Neptune Insurance Holdings Inc. is the larger business by last-quarter revenue ($37.8M vs $24.0M, roughly 1.6× OFF THE HOOK YS INC.). Neptune Insurance Holdings Inc. runs the higher net margin — 0.1% vs -0.3%, a 0.4% gap on every dollar of revenue.
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 OTH — Head-to-Head
Income Statement — Q1 FY2026 vs Q3 FY2025
| Metric | | |
|---|---|---|
| Revenue | $37.8M | $24.0M |
| Net Profit | $50.0K | $-66.7K |
| Gross Margin | — | 12.6% |
| Operating Margin | — | 1.3% |
| Net Margin | 0.1% | -0.3% |
| Revenue YoY | 28.8% | — |
| Net Profit YoY | 0.0% | — |
| EPS (diluted) | $0.05 | $-0.00 |
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 | — | ||
| Q3 25 | $44.4M | $24.0M | ||
| Q3 24 | $33.8M | — |
| Q1 26 | $50.0K | — | ||
| Q3 25 | $11.5M | $-66.7K | ||
| Q3 24 | $12.1M | — |
| Q1 26 | — | — | ||
| Q3 25 | — | 12.6% | ||
| Q3 24 | — | — |
| Q1 26 | — | — | ||
| Q3 25 | 46.7% | 1.3% | ||
| Q3 24 | 58.6% | — |
| Q1 26 | 0.1% | — | ||
| Q3 25 | 25.9% | -0.3% | ||
| Q3 24 | 35.8% | — |
| Q1 26 | $0.05 | — | ||
| Q3 25 | $0.06 | $-0.00 | ||
| Q3 24 | $0.06 | — |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $2.3M |
| Total DebtLower is stronger | — | $287.2K |
| Stockholders' EquityBook value | — | $-610.5K |
| Total Assets | — | $32.6M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q3 25 | $12.2M | $2.3M | ||
| Q3 24 | — | — |
| Q1 26 | — | — | ||
| Q3 25 | $247.6M | $287.2K | ||
| Q3 24 | — | — |
| Q1 26 | — | — | ||
| Q3 25 | $-509.5M | $-610.5K | ||
| Q3 24 | $-374.3M | — |
| Q1 26 | — | — | ||
| Q3 25 | $89.6M | $32.6M | ||
| Q3 24 | — | — |
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 | — | $-664.2K |
| Free Cash FlowOCF − Capex | — | $-867.2K |
| FCF MarginFCF / Revenue | — | -3.6% |
| Capex IntensityCapex / Revenue | — | 0.8% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q3 25 | $38.9M | $-664.2K | ||
| Q3 24 | — | — |
| Q1 26 | — | — | ||
| Q3 25 | — | $-867.2K | ||
| Q3 24 | — | — |
| Q1 26 | — | — | ||
| Q3 25 | — | -3.6% | ||
| Q3 24 | — | — |
| Q1 26 | — | — | ||
| Q3 25 | — | 0.8% | ||
| Q3 24 | — | — |
| Q1 26 | — | — | ||
| Q3 25 | 3.38× | — | ||
| Q3 24 | — | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
