Neptune Insurance Holdings, Inc. Class A (NP)
NYSE:NP
NP Stock Chart & Stats
$25.56
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Market closed
$25.56
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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
$3.42B
Enterprise Value$2.65B
Total Cash (Recent Filing)$8.04M
Total Debt (Recent Filing)$240.00M
Price to Earnings (P/E)231.9
Beta1.11
Next Earnings
Apr 22, 2026EPS Estimate
0.09Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.10
Shares Outstanding94,718,530
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 Cap0.78
Enterprise Value/Revenue23.03
Enterprise Value/Gross Profit36.51
Enterprise Value/Ebitda35.54
Forecast
1Y Price Target
$26.78Price Target Upside4.77% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering9
EPS Forecast (FY)0.52
Revenue Forecast (FY)$194.91M
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 $3.42B.
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 Apr 22, 2026 which is in 8 days.
How were Neptune Insurance Holdings, Inc. Class A’s earnings last quarter?
Neptune Insurance Holdings, Inc. Class A released its earnings results on Feb 18, 2026. The company reported $0.1 earnings per share for the quarter, beating the consensus estimate of $0.099 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 is 0.09.
How many shares outstanding does Neptune Insurance Holdings, Inc. Class A have?
Neptune Insurance Holdings, Inc. Class A has 94,718,530 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 $0.1 in its last earnings report, beating expectations of $0.099. Following the earnings report the stock price went up 12.741%.
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
Q4 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call presented a strongly positive operational and financial picture with robust top-line growth (Q4 revenue +39% YoY; full-year +34%), high adjusted EBITDA margins (~60%), meaningful capacity and distribution expansion (+74% capacity partners, 30k agent logins), and upward guidance for 2026. Key negatives were a steep Q4 GAAP net income decline (down 63%) driven by IPO-related and share-based compensation charges, a meaningful recurring RSU expense run-rate, leverage that management is actively reducing (~2.5x adjusted EBITDA initially), and some near-term investor/regulatory noise. On balance, the strength and durability of the core business metrics and the raised guidance outweigh the one-time and transitional negatives.View all NP earnings summariesNP Stock 12 Month Forecast
Average Price Target
$26.78
▲(4.77% Upside)
Technical Analysis
Ownership Overview
12.94% Insiders
10.60% Mutual Funds
54.51% Other Institutional Investors
20.18% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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