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NP Stock Chart & Stats
$30.24
$0.58(1.92%)
At close: 4:00 PM EDT
$30.24
$0.58(1.92%)
Day’s Range― - ―
52-Week Range$14.78 - $35.15
Previous Close$30.82
Volume916.78K
Average Volume (3M)240.10K
Market Cap
$4.35B
Enterprise Value$4.77K
Total Cash (Recent Filing)$72.05M
Total Debt (Recent Filing)$240.00M
Price to Earnings (P/E)22.3
Beta1.81
Next Earnings
Nov 18, 2026EPS Estimate
0.16Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)1.42
Shares Outstanding93,798,090
10 Day Avg. Volume207,764
30 Day Avg. Volume240,096
Financial Highlights & Ratios
PEG Ratio1.29
Price to Book (P/B)-17.71
Price to Sales (P/S)25.25
P/FCF Ratio84.47
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$33.82Price Target Upside11.83% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering11
EPS Forecast (FY)0.55
Revenue Forecast (FY)$201.07M
Bulls Say, Bears Say
Bulls Say
Cash Generation / Free Cash FlowConsistent, growing free cash flow and strong operating cash flow provide durable internal funding for product development, distribution investments, and selective capital returns. This reduces reliance on external funding and supports execution of strategy over the next several quarters.
Underwriting PerformanceA sub-20% lifetime written loss ratio and large year-over-year improvement indicate materially better risk selection and pricing. Sustained lower loss ratios translate into more durable margins and a stronger earnings base, reducing earnings volatility from catastrophes.
Distribution & Engineering ProductivityHigher agent adoption, a growing verified-account base, and >55% new business outside FEMA signal broader distribution reach. Combined with AI-enabled engineering gains (higher revenue/EBITDA per employee), this creates scalable delivery and durable operating leverage.
Bears Say
Weak Balance Sheet / Negative EquityDeeply negative equity and a marked increase in debt materially constrain financial flexibility and elevate solvency perception risk. Over a multi-quarter horizon this limits capacity for acquisitions, increases refinancing risk, and can raise regulator or counterparty scrutiny.
Acquisition Reliance For GrowthSignificant contribution from a single acquired book reduces clarity on organic growth sustainability. If repeatable organic deployment lags, earnings may be lumpy and forecasting visibility weakens, undermining confidence in ongoing margin expansion.
Regulatory / Policy Timing UncertaintyPotential addressable-market expansion from FEMA updates is meaningful but timing and scope are unclear; delayed policy changes and evolving AI oversight can postpone growth opportunities, require added compliance controls, and raise long-term operating costs.
Neptune Insurance Holdings, Inc. Class A News
NP FAQ
What was Neptune Insurance Holdings, Inc. Class A’s price range in the past 12 months?
Neptune Insurance Holdings, Inc. Class A lowest stock price was $14.78 and its highest was $35.15 in the past 12 months.
What is Neptune Insurance Holdings, Inc. Class A’s market cap?
Neptune Insurance Holdings, Inc. Class A’s market cap is $4.35B.
When is Neptune Insurance Holdings, Inc. Class A’s upcoming earnings report date?
Neptune Insurance Holdings, Inc. Class A’s upcoming earnings report date is Nov 18, 2026 which is in 106 days.
How were Neptune Insurance Holdings, Inc. Class A’s earnings last quarter?
Neptune Insurance Holdings, Inc. Class A released its earnings results on Jul 21, 2026. The company reported $0.15 earnings per share for the quarter, beating the consensus estimate of $0.145 by $0.005.
Is Neptune Insurance Holdings, Inc. Class A overvalued?
According to Wall Street analysts Neptune Insurance Holdings, Inc. Class A’s price is currently Undervalued.
Does Neptune Insurance Holdings, Inc. Class A pay dividends?
Neptune Insurance Holdings, Inc. Class A pays a Quarterly dividend of $0.475 which represents an annual dividend yield of N/A. See more information on Neptune Insurance Holdings, Inc. Class A dividends here
What is Neptune Insurance Holdings, Inc. Class A’s EPS estimate?
Neptune Insurance Holdings, Inc. Class A’s EPS estimate is 0.16.
How many shares outstanding does Neptune Insurance Holdings, Inc. Class A have?
Neptune Insurance Holdings, Inc. Class A has 93,798,090 shares outstanding.
What happened to Neptune Insurance Holdings, Inc. Class A’s price movement after its last earnings report?
Neptune Insurance Holdings, Inc. Class A reported an EPS of $0.15 in its last earnings report, beating expectations of $0.145. Following the earnings report the stock price went down -1.121%.
Which hedge fund is a major shareholder of Neptune Insurance Holdings, Inc. Class A?
Currently, no hedge funds are holding shares in NP
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Neptune Insurance Holdings, Inc. Class A Stock Smart Score
Neutral
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Analyst Consensus
Moderate Buy
Average Price Target:
$33.82 (11.83% Upside)
$33.82 (11.83% Upside)
Blogger Sentiment
Neutral
NP Sentiment 67%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 557.0K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $415.1M over
the Last 3 Months
the Last 3 Months
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Fundamentals
Return on Equity
―
Trailing 12-Months
Asset Growth
26.27%
Trailing 12-Months
Company Description
Neptune Insurance Holdings, Inc. Class A
Neptune Insurance Holdings Inc. functions as a technology-driven managing general agent (MGA) specializing in flood insurance solutions. The company provides a range of offerings, including both primary and excess flood coverage for residential and commercial properties, as well as parametric earthquake policies. At its core, Neptune leverages advanced artificial intelligence and machine learning platforms, notably their "Triton" system for underwriting and "Poseidon" for policy management. Distribution of these products occurs through an extensive agency network. Importantly, Neptune does not assume underwriting risk or manage claims directly; these functions are instead handled by their partnering insurance and reinsurance carriers.
NP Company Deck
NP Earnings Call
Q2 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call presented a strong set of operational and financial achievements: record revenue and margins, improved underwriting (lifetime loss ratio <20%), notable productivity gains driven by AI-enabled engineering and Atlas+, expanded product limits and capacity, and raised full-year guidance. The main cautions were conservative weather assumptions (limiting near-term upside), dependence on a notable acquisition/book contribution for part of the EBITDA growth, regulatory/policy timing uncertainty around FEMA map modernization and potential AI oversight, and modest leverage following repurchases. On balance the positive operational momentum, efficiency gains, and improved underwriting significantly outweigh the listed risks.View all NP earnings summariesNP Stock 12 Month Forecast
Average Price Target
$33.82
▲(11.83% Upside)
Technical Analysis
Ownership Overview
41.92% Insiders
11.55% Mutual Funds
0.04% Other Institutional Investors
41.39% Public Companies and
Individual Investors