Neptune Insurance Holdings, Inc. Class A (NP)
NYSE:NP
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NP Stock Chart & Stats
$27.66
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Market closed
$27.66
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Day’s Range― - ―
52-Week Range$14.78 - $33.23
Previous CloseN/A
VolumeN/A
Average Volume (3M)240.10K
Market Cap
$3.75B
Enterprise Value$2.83B
Total Cash (Recent Filing)$60.39M
Total Debt (Recent Filing)$227.00M
Price to Earnings (P/E)107.5
Beta1.80
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 Ratio-0.96
Price to Book (P/B)-17.71
Price to Sales (P/S)25.25
P/FCF Ratio84.47
Enterprise Value/Market Cap0.76
Enterprise Value/Revenue22.89
Enterprise Value/Gross Profit35.19
Enterprise Value/Ebitda39.54
Forecast
1Y Price Target
$29.45Price Target Upside6.49% 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 GenerationConsistent, improving operating cash flow and growing free cash flow provide durable funding for share repurchases, debt paydown, and product investment. That persistent cash conversion supports financial flexibility and lowers refinancing risk through business cycles.
High And Sustainable MarginsA sustained high adjusted EBITDA margin target reflects structural underwriting and distribution economics from an asset‑light MGA model. High margins generate surplus cash and make growth less capital intensive, improving resilience to competitive or pricing cycles.
Scalable Distribution And Agent AdoptionRapid agent sign-ups and early binding demonstrate scalable distribution and network effects that support long-term new business growth. Broad agent adoption reduces customer acquisition cost and underpins durable revenue expansion as capacity relationships expand.
Bears Say
Weak Balance Sheet (negative Equity)Deeply negative equity and rising debt materially constrain financial flexibility and increase vulnerability to underwriting losses or rate shocks. This structural capitalization weakness limits runway for aggressive growth and raises refinancing and covenant risks over the medium term.
Limited Addressable Expansion Vs NFIPHeavy incumbent NFIP market share and slow housing turnover structurally limit conversion of customers to private flood insurance. That headwind constrains TAM expansion outside niche segments and makes long‑term growth materially dependent on housing market improvement or structural regulatory change.
Product Expansion And Channel ConstraintsLimitations on new-product rollout (earthquake in beta) and small direct‑to‑consumer traction restrict diversification of revenue streams. Data scarcity and product‑market fit testing slow expansion beyond core flood offerings, making growth reliant on existing channels and partners.
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 $33.23 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 $3.75B.
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 158 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
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Analyst Consensus
Moderate Buy
Average Price Target:
$29.45 (6.49% Upside)
$29.45 (6.49% 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 $297.8M 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
$29.45
▲(6.49% 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
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