Is Neptune Insurance Holdings Inc. (NP) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Insurance Brokers | ✗ NOT HALAL | |||
| DJIM | Excluded — Insurance Brokers | ✗ NOT HALAL | |||
| MSCI | Excluded — Insurance Brokers | ✗ NOT HALAL | |||
| S&P | Excluded — Insurance Brokers | ✗ NOT HALAL | |||
| FTSE | Excluded — Insurance Brokers | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 58.7% | |
| Operating Margin | 31.6% | |
| Net Margin | 23.4% | |
| Return on Assets (ROA) | 88.0% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $52M |
| Free Cash Flow | $48M |
| Total Debt | $240M |
| Current Ratio | 1.0 |
| Total Assets | $65M |
Price & Trading
| Last Close | $23.72 |
| 50-Day MA | $22.36 |
| 200-Day MA | $24.77 |
| Avg Volume | 405K |
|
52-Week Range
$14.78
| |
About Neptune Insurance Holdings Inc. (NP)
Neptune Insurance Holdings Inc., through its subsidiary, Neptune Flood Incorporated, operates as an insurance agency that engages in selling residential and commercial flood insurance policies on behalf of insurance carrier partners in the United States. The company offers primary and excess flood, parametric earthquake, and indemnity earthquake insurance through a network of agencies. Neptune Insurance Holdings Inc. was founded in 2016 and is based in Saint Petersburg, Florida.
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Frequently Asked Questions
Is Neptune Insurance Holdings Inc. (NP) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), Neptune Insurance Holdings Inc. is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is Neptune Insurance Holdings Inc.'s debt ratio?
Neptune Insurance Holdings Inc.'s debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are Neptune Insurance Holdings Inc.'s key financial metrics?
Neptune Insurance Holdings Inc. has a market capitalization of $3.2B, and revenue of $160M. The company maintains a gross margin of 58.7% and a net margin of 23.4%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.