Neptune Insurance Holdings (NP) Cash Flow Statement

In fiscal 2025 (fiscal year ended Dec 31, 2025), Neptune Insurance Holdings generated $51.67M of operating cash flow and spent $3.98M on capital expenditures. That left free cash flow of $47.69M, up 3.2% from $46.21M a year earlier, or 29.9% of revenue. It paid $175.00M in dividends.

Neptune Insurance Holdings Cash Flow Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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Cash flow statement showing operating, investing, and financing activities for Neptune Insurance Holdings Inc. (NP) - Annual data in millions USD
Breakdown	FY 2025	FY 2024	FY 2023
Period ending	Dec 2025	Dec 2024	Dec 2023
Operating Activities
Net Income	37.41	34.59	17.89
Depreciation & Amortization	3.71	3.03	2.18
Deferred Income Tax	2.00	-0.61	-2.19
Stock Based Compensation	11.42	0.30	0.04
Change in Working Capital	-3.51	6.29	-1.05
Change in Accounts Receivable	-2.62	-1.67	-0.49
Change in Accounts Payable	4.24	6.99	2.07
Change in Other Working Capital	-5.13	0.91	-0.59
Other Operating Activities	0.63	0.91	-0.41
Net Cash from Operating Activities	51.67	49.93	18.65
Investing Activities
Capital Expenditures	-3.98	-3.71	-4.03
Sales/Maturities of Investments	0.00	-3.71	-4.03
Net Cash from Investing Activities	-3.98	-3.71	-4.03
Financing Activities
Debt Repayment	105.00	-214.53	-81.35
Common Stock Issued	15.71	0.00	10.00
Common Stock Repurchased	0.00	0.00	-10.00
Dividends Paid	-175.00	0.00	-339.02
Other Financing Activities	19.08	1.06	1.44
Net Cash from Financing Activities	-35.21	-42.47	-9.87
Summary
Net Change in Cash	12.48	3.75	4.75
Cash at Beginning of Period	28.07	24.32	19.57
Cash at End of Period	40.55	28.07	24.32
Free Cash Flow	47.69	46.21	18.65
Supplemental Disclosures
Interest Paid	17.13	17.07	20.10
Income Taxes Paid	20.15	7.31	8.60

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About Neptune Insurance Holdings Cash Flow

What is Neptune Insurance Holdings's free cash flow?

Neptune Insurance Holdings generated free cash flow of $47.69M in fiscal 2025 (fiscal year ended Dec 31, 2025), operating cash flow of $51.67M minus $3.98M of capital expenditures. That was up 3.2% from $46.21M a year earlier. Free cash flow equaled 29.9% of revenue.

How much does Neptune Insurance Holdings spend on capital expenditures?

Neptune Insurance Holdings spent $3.98M on capital expenditures in fiscal 2025, compared with $3.71M a year earlier. That equals 7.7% of operating cash flow.

Does Neptune Insurance Holdings pay dividends or buy back shares?

Yes. In fiscal 2025 Neptune Insurance Holdings returned $175.00M in dividends to shareholders, according to its cash flow statement.

What is free cash flow?

Free cash flow is operating cash flow minus capital expenditures. It is the cash a company has left for dividends, buybacks, debt repayment or acquisitions after funding its operations and investment. Full definition