Want to see NP full AI Analyst Report?
NP Stock Chart & Stats
$27.66
--
Market closed
$27.66
--
Day’s Range― - ―
52-Week Range$14.78 - $34.41
Previous CloseN/A
VolumeN/A
Average Volume (3M)240.10K
Market Cap
$4.60B
Enterprise Value$2.90B
Total Cash (Recent Filing)$60.39M
Total Debt (Recent Filing)$227.00M
Price to Earnings (P/E)23.8
Beta1.73
Next Earnings
Nov 18, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)1.40
Shares Outstanding94,895,910
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 Cap0.63
Enterprise Value/Revenue23.46
Enterprise Value/Gross Profit36.06
Enterprise Value/Ebitda37.08
Forecast
1Y Price Target
$30.82Price Target Upside11.42% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering11
EPS Forecast (FY)0.53
Revenue Forecast (FY)$196.58M
Bulls Say, Bears Say
Bulls Say
Strong Cash GenerationNeptune generates durable cash: operating cash flow improved versus 2023 and free cash flow turned positive and grew in 2025. Persistent FCF that roughly matches net income provides long‑term funding for product investment, buybacks, and steady deleveraging without relying on capital markets.
High Adjusted EBITDA MarginsManagement targets very high adjusted EBITDA margins (60%–61%) and frames that as a floor. The asset‑light MGA model and record revenue/EBITDA per employee support sustainable structural margins, providing durable cash flow resilience and the ability to fund growth or absorb underwriting variance.
Distribution Scale And AI ProductivityLarge agent adoption (45k+ signups, ~11k bound) combined with AI/product tools (Atlas+, ChatGPT integration, Proteus) boosts scalable distribution and engineering throughput. This mix supports repeatable new business acquisition and higher revenue per employee, a durable competitive advantage for growth.
Bears Say
Weak Balance SheetNegative shareholders' equity and materially higher debt in 2025 materially reduce financial flexibility. Elevated revolver balances (~$222M, ~2.2x trailing adjusted EBITDA) increase refinancing and covenant risk, constrain underwriting capacity, and limit the firm's ability to absorb shocks despite strong operating cash flow.
Market Concentration & Housing HeadwindNeptune's addressable market for private flood is constrained by NFIP dominance and slow housing turnover, which limits conversion of public‑sector policyholders. This structural headwind caps long‑term growth potential and makes performance sensitive to housing cycles and potential NFIP/regulatory shifts.
Product And Channel Expansion ConstraintsDirect‑to‑consumer traction remains minimal and in‑app binding is not yet possible, slowing consumer channel scalability. Earthquake and other non‑flood products are still in beta and face data/fit hurdles, limiting diversification and leaving growth reliant on core channels and incremental product validation.
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 $34.41 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 $4.60B.
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 138 days.
How were Neptune Insurance Holdings, Inc. Class A’s earnings last quarter?
Neptune Insurance Holdings, Inc. Class A released its earnings results on Apr 22, 2026. The company reported $0.09 earnings per share for the quarter, missing the consensus estimate of $0.091 by -$0.001.
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 for its next earnings report is not yet available.
How many shares outstanding does Neptune Insurance Holdings, Inc. Class A have?
Neptune Insurance Holdings, Inc. Class A has 94,895,910 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 $0.09 in its last earnings report, missing expectations of $0.091. Following the earnings report the stock price went down -3.171%.
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
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
$30.82 (11.42% Upside)
$30.82 (11.42% Upside)
Blogger Sentiment
Bullish
NP Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 557.0K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $298.8M over
the Last 3 Months
the Last 3 Months
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
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
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call emphasized strong, expanding business fundamentals — double-digit revenue growth, record efficiency metrics, notable AI-driven product launches (Atlas+, ChatGPT integration, Proteus), capacity expansion, and a $100M buyback — while acknowledging manageable near-term headwinds (seasonal margin pressure, modest retention dip, slow housing turnover, channel and product expansion constraints, and weather/regulatory uncertainty). Management framed margin and churn items as timing or addressable factors and reiterated confidence with raised revenue guidance and stable margin targets.View all NP earnings summariesNP Stock 12 Month Forecast
Average Price Target
$30.82
▲(11.42% Upside)
Technical Analysis
Ownership Overview
12.91% Insiders
10.47% Mutual Funds
59.50% Other Institutional Investors
15.30% Public Companies and
Individual Investors
Options Prices
Currently, No data available
---