NP (Neptune Insurance Holdings) LT-Debt-to-Total-Asset: 2.66 (As of Mar. 2026)


NP Neptune Insurance Holdings Inc NP
17 GF Score
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What is Neptune Insurance Holdings LT-Debt-to-Total-Asset?

Neptune Insurance Holdings NP +0.51% 17 LT-Debt-to-Total-Asset is 2.66 as of Mar. 2026. GuruFocus rates NP with a GF Score™ of 17/100. The stock has 3 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Neptune Insurance Holdings's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 2.66.

Neptune Insurance Holdings's long-term debt to total assets ratio increased from Mar. 2025 (0.00) to Mar. 2026 (2.66). It may suggest that Neptune Insurance Holdings is progressively becoming more dependent on debt to grow their business.

Neptune Insurance Holdings  (NYSE:NP) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Neptune Insurance Holdings LT-Debt-to-Total-Asset Related Terms

Neptune Insurance Holdings LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Neptune Insurance Holdings's LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset Chart

Neptune Insurance Holdings Annual Data
Trend Dec23 Dec24 Dec25
LT-Debt-to-Total-Asset
4.15 2.60 3.68

Neptune Insurance Holdings Quarterly Data
Dec23 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
LT-Debt-to-Total-Asset Get a 7-Day Free Trial 0.00 3.43 2.76 3.68 2.66
NP
17GF Score
Neptune Insurance Holdings Inc NP
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Neptune Insurance Holdings LT-Debt-to-Total-Asset Calculation

Neptune Insurance Holdings's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )=Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )/Total Assets (A: Dec. 2025 )
=240/65.299
=3.68

Neptune Insurance Holdings's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )=Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )/Total Assets (Q: Mar. 2026 )
=227/85.296
=2.66

* 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 LT-Debt-to-Total-Asset →
What does a LT-Debt-to-Total-Asset of 2.66 mean?
Neptune Insurance Holdings (NP) has a LT-Debt-to-Total-Asset of 2.66 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Neptune Insurance Holdings and its competitors.
Is Neptune Insurance Holdings' LT-Debt-to-Total-Asset too high?
Neptune Insurance Holdings' current LT-Debt-to-Total-Asset is 2.66. 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' LT-Debt-to-Total-Asset compare to CRVL and ARX?
Neptune Insurance Holdings' LT-Debt-to-Total-Asset of 2.66 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 LT-Debt-to-Total-Asset for an Insurance company?
A good LT-Debt-to-Total-Asset depends on the Insurance industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?
A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Neptune Insurance Holdings and its competitors. Neptune Insurance Holdings's current LT-Debt-to-Total-Asset is 2.66. 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 (NP) has a current LT-Debt-to-Total-Asset of 2.66. The current LT-Debt-to-Total-Asset is 2.66. 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 LT-Debt-to-Total-Asset calculated?
LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Neptune Insurance Holdings (NP), the current LT-Debt-to-Total-Asset is 2.66 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

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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LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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