Neptune Insurance Holdings Inc. (NP) stock price, financials & research

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GoAI snapshot

AI-powered factor overview

Jul 10, 2026

54/100

GoAI score

Hold

Wait — insufficient conviction to act

Valuation

62

Undervalued

Momentum

58

Neutral

Sentiment

53

Mixed

Risk resilience

62

Moderate Risk

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Thesis, catalysts, evidence, and risk analysis.

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Company profile

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.

Industry: Insurance - Brokers
Sector: Financial Services
Headquarters: US
CEO: Trevor R. Burgess
Listed since: Oct 1, 2025
Employees: 62

Market position

Day range

Current $33.36

$32.14$33.54

52-week range

Current $33.36

$14.78$35.15

Open: $32.14
Previous close: $32.56
Volume: 253.7K; 0.32× average
Average volume: 782.38K; Average daily volume
Market cap: 3.13B USD
Beta: -0.2; Market reference 1
50-day average: $31.0952; +7.28% above average
200-day average: $26.6037; +25.40% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value: 4.26B USD
P/E (TTM): 23.42×
P/B (TTM): -20.69×
P/S (TTM): 22.77×
EV / EBITDA: 56.36×
Earnings yield: 0.93%
Free cash flow yield: 1.18%
Dividend yield: 0.00%

Profitability & efficiency

Gross margin: 67.14%
Operating margin: 54.13%
Net margin: 28.38%
Return on equity: -16.45%
Return on assets: 57.29%
Return on invested capital: 445.48%

Financial health

Debt / equity: -1.08×
Current ratio: 0.99×
Altman Z-score: 3.95
Piotroski F-score: 8 of 9

Earnings

EPS beat rate: 56%; 5 beats, 4 misses, 0 met estimates
Average EPS surprise: +10.12%; 9 comparable reports
Latest EPS result: 0.15; Estimate 0.14 · Beat by 3.52%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate

Latest fiscal-year EPS: 0.27; FY2025 · -82.91% year over year
Latest fiscal-year revenue: 159.55M USD; FY2025 · +33.74% year over year
Next fiscal-year EPS consensus: 0.548; FY2026 · 11 analysts
Next fiscal-year revenue consensus: 202.72M USD; FY2026 · 7 analysts

Annual EPS trend

Reported history and fiscal-year consensus

ReportedConsensus forecast

Annual revenue trend

Reported history and fiscal-year consensus

ReportedConsensus forecast

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$33.86

1.50% upside

Past 12 months12-month forecastHigh $39.00Average $33.86Low $26.00

Rating distribution

14 ratings

Strong buy00%

Buy750%

Hold750%

Sell00%

Strong sell00%

NP news

defenseworld.netAug 17, 2026

Insider Selling: Neptune Insurance (NYSE:NP) CFO Sells $1,807,850.52 in Stock

Neptune Insurance Holdings Inc. (NYSE: NP - Get Free Report) CFO James Steiner sold 57,012 shares of Neptune Insurance stock in a transaction that occurred on Thursday, August 13th. The shares were sold at an average…

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defenseworld.netAug 8, 2026

Critical Survey: Universal Insurance (NYSE:UVE) versus Neptune Insurance (NYSE:NP)

Neptune Insurance (NYSE: NP - Get Free Report) and Universal Insurance (NYSE: UVE - Get Free Report) are both finance companies, but which is the superior business? We will contrast the two businesses based on the…

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seekingalpha.comJul 22, 2026

Neptune Insurance Holdings Inc. (NP) Q2 2026 Earnings Call Transcript

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zacks.comJul 21, 2026

Compared to Estimates, Neptune Insurance Holdings Inc. (NP) Q2 Earnings: A Look at Key Metrics

Although the revenue and EPS for Neptune Insurance Holdings Inc. (NP) give a sense of how its business performed in the quarter ended June 2026, it might be worth considering how some key metrics compare with Wall Street…

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businesswire.comJul 21, 2026

Neptune Insurance Holdings Inc. Reports Second Quarter 2026 Results

ST. PETERSBURG, Fla.--(BUSINESS WIRE)---- $NP--Neptune Insurance Holdings Inc. (the “Company”) (NYSE: NP), the parent company of Neptune Flood Incorporated, has released its financial results for the second quarter of…

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businesswire.comJul 10, 2026

Neptune Insurance Holdings to Announce Second Quarter 2026 Financial Results

ST. PETERSBURG, Fla.--(BUSINESS WIRE)---- $NP--Neptune Insurance Holdings Inc. (“Neptune” or the “Company”) (NYSE: NP), the parent company of Neptune Flood Incorporated, today announced that it will report its financial…

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Corporate actions

Annual dividends per share

Cash distributions grouped by calendar year; partial years are marked.

$1.885

2021 complete year+27.4% since 2017

$1.48

2,017

$1.64

2,018

$1.80

2,019

$1.88

2,020

$1.885

2,021

Corporate action history

Action	Ex-dividend date	Details	Record date	Payment date
Dividend	May 12, 2022	$0.475Quarterly	May 13, 2022	Jun 2, 2022
Dividend	Feb 17, 2022	$0.475Quarterly	Feb 18, 2022	Mar 2, 2022
Dividend	Nov 10, 2021	$0.475Quarterly	Nov 12, 2021	Dec 2, 2021
Dividend	Aug 12, 2021	$0.47Quarterly	Aug 13, 2021	Sep 2, 2021
Dividend	May 13, 2021	$0.47Quarterly	May 14, 2021	Jun 2, 2021
Dividend	Feb 11, 2021	$0.47Quarterly	Feb 12, 2021	Mar 2, 2021