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
$3.46B
Enterprise Value$2.54B
Total Cash (Recent Filing)$60.39M
Total Debt (Recent Filing)$227.00M
Price to Earnings (P/E)113.8
Beta1.36
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 Cap0.73
Enterprise Value/Revenue20.52
Enterprise Value/Gross Profit31.54
Enterprise Value/Ebitda35.45
Forecast
1Y Price Target
$29.00Price Target Upside4.84% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering10
EPS Forecast (FY)0.53
Revenue Forecast (FY)$195.90M
Bulls Say, Bears Say
Bulls Say
Direct-to-consumer DistributionConsumer ChatGPT app enables homeowners to bind flood policies online end-to-end, creating a clearer direct purchase path that can expand the addressable market and reduce acquisition friction.
Market Leadership In Private Flood InsuranceNeptune's position as a leader in the private residential flood market could allow capture of displaced federal-program business, supporting sustained premium growth.
Proprietary AI And Margin ResilienceProprietary AI and insurtech capabilities can enable stronger revenue terms with carrier partners and help maintain elevated profitability despite promotional spending.
Bears Say
Commission And Valuation PressureAssumed higher agency commissions and peer-aligned valuation adjustments have reduced net profitability prospects and prompted a lower analyst price target, weighing on valuation upside.
Distribution Concentration RiskHeavy reliance on agent and broker partnerships means direct-to-consumer sales may remain a small portion of premiums, limiting the new app's ability to materially change the overall sales mix.
Federal Program Migration UncertaintyUncertainty about customer migration from the federal flood program raises doubt that private-market growth will match current valuation assumptions, and successful migration could invite new private competitors.
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 $3.46B.
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 195 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
Company Description
Neptune Insurance Holdings, Inc. Class A
A data-driven managing general agent for flood insurance. Sells residential and commercial flood insurance (primary & excess), and parametric earthquake insurance. Uses AI and machine learning platforms (e.g. underwriting engine "Triton", policy management "Poseidon"), distributes via agency network, and does not take balance sheet risk or handle claims themselves; rather, insurance and reinsurance carriers do.
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
$29.00
▲(4.84% Upside)
Technical Analysis
Ownership Overview
12.91% Insiders
10.46% Mutual Funds
0.18% Other Institutional Investors
74.62% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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