Neptune Insurance Holdings (FRA:SN4) EBIT: €59.9 Mil (TTM As of Mar. 2026)


FRA:SN4 Neptune Insurance Holdings Inc FRA:SN4
17 GF Score
Price €28.20
! 3 Warning Signs
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What is Neptune Insurance Holdings EBIT?

Neptune Insurance Holdings FRA:SN4 +2.17% 17 EBIT is €59.9 Mil as of Mar. 2026. GuruFocus rates FRA:SN4 with a GF Score™ of 17/100. The stock has 3 warning signs investors should review.

Neptune Insurance Holdings's earnings before interest and taxes (EBIT) for the three months ended in Mar. 2026 was €11.8 Mil. Its earnings before interest and taxes (EBIT) for the trailing twelve months (TTM) ended in Mar. 2026 was €59.9 Mil.

EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition. Neptune Insurance Holdings's annualized ROC % for the quarter that ended in Mar. 2026 was 103.54%. Neptune Insurance Holdings's annualized ROC (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was %.

EBIT is also linked to Joel Greenblatt's definition of earnings yield. Neptune Insurance Holdings's Earnings Yield (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was 1.41%.

Neptune Insurance Holdings  (FRA:SN4) EBIT Explanation

1. EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition.

Neptune Insurance Holdings's annualized ROC % for the quarter that ended in Mar. 2026 is calculated as:

ROC % (Q: Mar. 2026 )
=NOPAT/Average Invested Capital
=Operating Income * ( 1 - Tax Rate % )/( (Invested Capital (Q: Dec. 2025 ) + Invested Capital (Q: Mar. 2026 ))/ count )
=46.504 * ( 1 - 27.06% )/( (27.137 + 38.382)/ 2 )
=33.9200176/32.7595
=103.54 %

where

Invested Capital(Q: Dec. 2025 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Cash, Cash Equivalents, Marketable Securities - max(0, Total Current Liabilities - Total Current Assets+Cash, Cash Equivalents, Marketable Securities))
=55.765 - 28.91 - ( 6.863 - max(0, 45.085 - 44.803+6.863))
=27.137

Invested Capital(Q: Mar. 2026 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Cash, Cash Equivalents, Marketable Securities - max(0, Total Current Liabilities - Total Current Assets+Cash, Cash Equivalents, Marketable Securities))
=73.781 - 34.698 - ( 9.119 - max(0, 61.981 - 62.682+9.119))
=38.382

Note: The Operating Income data used here is four times the quarterly (Mar. 2026) data.

2. Joel Greenblatt's definition of Return on Capital:

Neptune Insurance Holdings's annualized ROC (Joel Greenblatt) % for the quarter that ended in Mar. 2026 is calculated as:

ROC (Joel Greenblatt) %(Q: Mar. 2026 )
=EBIT/Average of (Net fixed Assets + Net Working Capital)
=EBIT/Average of (Property, Plant and Equipment+Net Working Capital)
     Q: Dec. 2025  Q: Mar. 2026
=EBIT/( ( (Property, Plant and Equipment + Net Working Capital) + (Property, Plant and Equipment + Net Working Capital) )/ count )
=47.076/( ( (0 + max(-12.718, 0)) + (0 + max(-13.697, 0)) )/ 2 )
=47.076/( ( 0 + 0 )/ 2 )
=47.076/0
= %

where Working Capital is:

Working Capital(Q: Dec. 2025 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(3.484 + 0 + 28.883) - (28.91 + 16.176 + -0.00099999999999767)
=-12.718

Working Capital(Q: Mar. 2026 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(4.093 + 0 + 44.191) - (34.698 + 27.283 + 0)
=-13.697

When net working capital is negative, 0 is used.

Note: The EBIT data used here is four times the quarterly (Mar. 2026) EBIT data.

3. It is also linked to Joel Greenblatt's definition of Earnings Yield:

Neptune Insurance Holdings's Earnings Yield (Joel Greenblatt) % for today is calculated as:

Earnings Yield (Joel Greenblatt) %=EBIT (TTM)/Enterprise Value (Q: Mar. 2026 )
=59.902/4245.983
=1.41 %

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Neptune Insurance Holdings EBIT Related Terms

Neptune Insurance Holdings EBIT Historical Data

* Premium members only.

The historical data trend for Neptune Insurance Holdings's EBIT can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Neptune Insurance Holdings EBIT Chart

Neptune Insurance Holdings Annual Data
Trend Dec23 Dec24 Dec25
EBIT
41.43 61.03 61.38

Neptune Insurance Holdings Quarterly Data
Dec23 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
EBIT Get a 7-Day Free Trial 14.61 18.67 17.88 11.58 11.77

FRA:SN4 vs CRVL, ARX, BWIN: EBIT Comparison

For the Insurance Brokers subindustry, Neptune Insurance Holdings's EV-to-EBIT, along with its competitors' market caps and EV-to-EBIT data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Neptune Insurance Holdings EV-to-EBIT vs Insurance Industry

For the Insurance industry and Financial Services sector, Neptune Insurance Holdings's EV-to-EBIT distribution charts can be found below:

* The bar in red indicates where Neptune Insurance Holdings's EV-to-EBIT falls into.


FRA:SN4
17GF Score
Neptune Insurance Holdings Inc FRA:SN4
EBIT is just one metric. See GF Score™, valuation, warning signs, and more.
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Neptune Insurance Holdings EBIT Calculation

EBIT, sometimes also called Earnings Before Interest and Taxes, is a measure of a firm's profit that includes all expenses except interest and income tax expenses. It is the difference between operating revenues and operating expenses. When a firm does not have non-operating income, then Operating Income is sometimes used as a synonym for EBIT and operating profit.

EBIT for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €59.9 Mil.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about EBIT →
What does a EBIT of €59.9 Mil mean?
Neptune Insurance Holdings (FRA:SN4) has a EBIT of €59.9 Mil as of Mar. 2026. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on Neptune Insurance Holdings.
Is Neptune Insurance Holdings' EBIT too high?
Neptune Insurance Holdings' current EBIT is €59.9 Mil. Overall, Neptune Insurance Holdings has a GF Score™ of 17/100, reflecting its overall financial health beyond just this single metric.
How does Neptune Insurance Holdings' EBIT compare to CRVL and ARX?
Neptune Insurance Holdings' EBIT of €59.9 Mil can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EBIT for an Insurance company?
A good EBIT depends on the Insurance industry context. However, EBIT should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EBIT mean?
A high EBIT can signal that a stock is expensive relative to its fundamentals. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on Neptune Insurance Holdings. Neptune Insurance Holdings's current EBIT is €59.9 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Neptune Insurance Holdings stock overvalued right now?
Neptune Insurance Holdings (FRA:SN4) has a current EBIT of €59.9 Mil. The current EBIT is €59.9 Mil. Neptune Insurance Holdings' overall GF Score™ is 17/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EBIT calculated?
EBIT is calculated from a company's financial statements. For Neptune Insurance Holdings (FRA:SN4), the current EBIT is €59.9 Mil as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Neptune Insurance Holdings Business Description

Other Exchanges NP:USA
Address 400 6th Street South, Suite 2, Saint Petersburg, FL, USA, 33701
Neptune Insurance Holdings Inc is a high-growth, profitable, data-driven MGA that offers residential and commercial insurance products, including primary flood insurance, excess flood insurance and parametric earthquake insurance, distributed through a nationwide network of agencies in the United States. The company underwrites and administers the issuance of insurance policies on behalf of a diverse panel of insurance and reinsurance companies and does not take any balance sheet insurance risk or have claims handling responsibility relating to the policies it sells.
17GF Score

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EBIT is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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