/NP
NP Stock - Neptune Insurance Holdings Inc.
Technology|Software - ApplicationNYSE
$28.17-3.89%
$1.14 (-3.89%) • Dec 19
60
GoAI Score
GoAI Score
Weighted average: Momentum (25%) + Sentiment (35%) + Risk (20%) + Value (20%). ≥70 = BUY, ≤35 = SELL.HOLD
Medium Confidence
Momentum
Momentum Score
Based on price vs 50-day MA (40%), 200-day MA (40%), and MA crossover (20%). Higher = stronger uptrend.78
Sentiment
Sentiment Score
Based on analyst price target upside. 50 = neutral, 100 = very bullish (25%+ upside expected).52
Risk Score
Risk Score
Based on stock beta (volatility). Higher score = lower risk. Red (<40) = high volatility, Green (>60) = stable.61
Price Target
Price Target
Average analyst price target from the last quarter. Shows expected upside/downside from current price.+1.2%upside
Target: $28.51
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Active Trade Setup
ENTRY ZONE$27.89 – $28.45
TARGET (TP)$28.50
STOP LOSS$25.92
RISK/REWARD1:0.1
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Price Chart
Financial Statements
Revenue & Profitability Trend
Revenue
Net Income (Profit)
Net Loss
Key Metrics
Market CapN/A
P/E RatioN/A
Beta1.49
52W High$33.23
52W Low$22.00
Avg VolumeN/A
Income Statement (Fiscal Year)
| Metric | FY2024 | FY2023 |
|---|---|---|
| Revenue | $119.30M | $84.87M |
| Gross Profit | $79.23M | $54.51M |
| Gross Margin | 66.4% | 64.2% |
| Operating Income | $68.45M | $45.43M |
| Net Income | $34.59M | $17.89M |
| Net Margin | 29.0% | 21.1% |
| EPS | $1.58 | $1.04 |
Company Overview
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.
Visit WebsiteRating Distribution
Strong Buy
0%
Buy / Outperform
5
56%
Hold / Neutral
2
22%
Sell / Underperform
2
22%
Analyst Consensus🟡 Mixed
5 Bullish4 Neutral/Bearish
Price Targets
$28
Average Target
↓ 0.9% Downside
Now
$21
Low
$28
Average
$35
High
Based on 12 analysts
Recent Analyst Actions
| Date | Firm | Action | Rating | Price Target |
|---|---|---|---|---|
| October 27th 2025 | Piper Sandler | Initiation | Overweight | $33 |
| October 27th 2025 | Keefe Bruyette | Initiation | Market Perform | $26 |
| October 27th 2025 | Goldman | Initiation | Buy | $30 |
| October 27th 2025 | BMO Capital Markets | Initiation | Market Perform | $25 |
| October 27th 2025 | Mizuho | Initiation | Underperform | $23 |
| October 27th 2025 | JP Morgan | Initiation | Neutral | $25 |
| October 27th 2025 | Morgan Stanley | Initiation | Equal Weight | $26 |
| October 27th 2025 | BofA Securities | Initiation | Underperform | $21 |
| October 27th 2025 | TD Cowen | Initiation | Buy | $32 |
| October 27th 2025 | Raymond James | Initiation | Outperform | $30 |
| October 27th 2025 | Evercore ISI | Initiation | Outperform | $35 |
| October 27th 2025 | Deutsche Bank | Initiation | Buy | $29 |
Earnings History & Surprises
NPBeat Rate
72%
Last 18 quarters
Avg Surprise
+17.5%
EPS vs Estimate
Beats / Misses
13/5
Last 12 quarters
Latest EPS
$0.11
Q4 2025
EPS Surprise History
Q4 20
+111.5%
$0.55vs$0.26
Q1 21
+74.0%
$0.87vs$0.50
Q2 21
+38.7%
$1.04vs$0.75
Q3 21
+1.6%
$0.65vs$0.64
Q4 21
-11.6%
$0.38vs$0.43
Q1 22
-16.7%
$0.45vs$0.54
Q2 22
+65.8%
$0.63vs$0.38
Q4 25
-0.7%
$0.11vs$0.11
Beat Estimate
Missed Estimate
Quarterly EPS Details
| Period | Report Date | Estimated EPS | Actual EPS | Surprise | Result |
|---|---|---|---|---|---|
Q1 2026 | Feb 11, 2026 | $0.10 | — | — | — |
Q4 2025 | Nov 12, 2025 | $0.11 | $0.11 | -0.7% | ✗ MISS |
Q3 2022 | Aug 3, 2022 | — | — | — | — |
Q2 2022 | May 4, 2022 | $0.38 | $0.63 | +65.8% | ✓ BEAT |
Q1 2022 | Feb 16, 2022 | $0.54 | $0.45 | -16.7% | ✗ MISS |
Q4 2021 | Nov 2, 2021 | $0.43 | $0.38 | -11.6% | ✗ MISS |
Q3 2021 | Aug 4, 2021 | $0.64 | $0.65 | +1.6% | ✓ BEAT |
Q2 2021 | May 5, 2021 | $0.75 | $1.04 | +38.7% | ✓ BEAT |
Q1 2021 | Feb 17, 2021 | $0.50 | $0.87 | +74.0% | ✓ BEAT |
Q4 2020 | Nov 3, 2020 | $0.26 | $0.55 | +111.5% | ✓ BEAT |
Q3 2020 | Aug 4, 2020 | $-0.12 | $-0.08 | +33.3% | ✓ BEAT |
Q2 2020 | May 8, 2020 | $0.90 | $1.12 | +24.4% | ✓ BEAT |
Q1 2020 | Feb 18, 2020 | $0.80 | $0.87 | +8.7% | ✓ BEAT |
Q4 2019 | Nov 5, 2019 | $0.87 | $0.95 | +9.2% | ✓ BEAT |
Q3 2019 | Aug 6, 2019 | $0.90 | $0.95 | +5.6% | ✓ BEAT |
Q2 2019 | May 2, 2019 | $0.64 | $0.69 | +7.8% | ✓ BEAT |
Q1 2019 | Feb 12, 2019 | $0.62 | $0.53 | -14.5% | ✗ MISS |
Q4 2018 | Nov 6, 2018 | $1.06 | $0.76 | -28.3% | ✗ MISS |
Q3 2018 | Aug 7, 2018 | $1.13 | $1.18 | +4.4% | ✓ BEAT |
Q2 2018 | May 9, 2018 | $1.03 | $1.04 | +1.0% | ✓ BEAT |
Latest News
Morgan Stanley Maintains Equal-Weight on Neptune Insurance Hldgs, Raises Price Target to $27
➖ NeutralBenzinga•Nov 17, 2025, 04:37 PM
Mizuho Maintains Underperform on Neptune Insurance Hldgs, Raises Price Target to $26
➖ NeutralBenzinga•Nov 13, 2025, 01:32 PM
B of A Securities Maintains Underperform on Neptune Insurance Hldgs, Raises Price Target to $22.5
➖ NeutralBenzinga•Nov 13, 2025, 12:52 PM
CORRECTION: Neptune Insurance Hldgs Q3 Adj. EPS $0.11 Beats $0.10 Estimate, Sales $44.365M Beat $42.776M Estimate
📈 PositiveBenzinga•Nov 12, 2025, 10:49 PM
Neptune Insurance Hldgs Sees FY2026 Sales $186.000M-$189.000M vs $187.372M Est
➖ NeutralBenzinga•Nov 12, 2025, 09:20 PM
Neptune Insurance Hldgs Q3 Adj. EPS $0.12 Beats $0.10 Estimate, Sales $44.365M Beat $42.776M Estimate
📈 PositiveBenzinga•Nov 12, 2025, 09:17 PM
Deutsche Bank Initiates Coverage On Neptune Insurance Hldgs with Buy Rating, Announces Price Target of $29
📈 PositiveBenzinga•Oct 28, 2025, 09:38 AM•Also:
Raymond James Initiates Coverage On Neptune Insurance Hldgs with Outperform Rating, Announces Price Target of $30
📈 PositiveBenzinga•Oct 27, 2025, 03:19 PM
Piper Sandler Initiates Coverage On Neptune Insurance Hldgs with Overweight Rating, Announces Price Target of $33
📈 PositiveBenzinga•Oct 27, 2025, 02:18 PM
TD Cowen Initiates Coverage On Neptune Insurance Hldgs with Buy Rating, Announces Price Target of $32
📈 PositiveBenzinga•Oct 27, 2025, 01:14 PM
Evercore ISI Group Initiates Coverage On Neptune Insurance Hldgs with Outperform Rating, Announces Price Target of $35
📈 PositiveBenzinga•Oct 27, 2025, 12:00 PM
B of A Securities Initiates Coverage On Neptune Insurance Hldgs with Underperform Rating, Announces Price Target of $21
📉 NegativeBenzinga•Oct 27, 2025, 11:11 AM
JP Morgan Initiates Coverage On Neptune Insurance Hldgs with Neutral Rating, Announces Price Target of $25
➖ NeutralBenzinga•Oct 27, 2025, 11:03 AM
Morgan Stanley Initiates Coverage On Neptune Insurance Hldgs with Equal-Weight Rating, Announces Price Target of $26
➖ NeutralBenzinga•Oct 27, 2025, 10:41 AM
Mizuho Initiates Coverage On Neptune Insurance Hldgs with Underperform Rating, Announces Price Target of $23
📉 NegativeBenzinga•Oct 27, 2025, 10:11 AM
Keefe, Bruyette & Woods Initiates Coverage On Neptune Insurance Hldgs with Market Perform Rating, Announces Price Target of $26
➖ NeutralBenzinga•Oct 27, 2025, 09:54 AM
Goldman Sachs Initiates Coverage On Neptune Insurance Hldgs with Buy Rating, Announces Price Target of $30
📈 PositiveBenzinga•Oct 27, 2025, 09:45 AM
BMO Capital Initiates Coverage On Neptune Insurance Hldgs with Market Perform Rating, Announces Price Target of $25
➖ NeutralBenzinga•Oct 27, 2025, 09:42 AM
Neptune Insurance stock gaps up 13% in NYSE debut
📈 PositiveSeeking Alpha•Oct 1, 2025, 04:25 PM
Neptune Insurance Shares Open For Trade At $22.50/Share; IPO Priced At $20/Share
📈 PositiveBenzinga•Oct 1, 2025, 03:51 PM
Frequently Asked Questions about NP
What is NP's current stock price?
Neptune Insurance Holdings Inc. (NP) is currently trading at $28.17 per share. The stock has moved -3.89% today.
What is the analyst price target for NP?
The average analyst price target for NP is $28.50, based on 1 analyst.
What sector is Neptune Insurance Holdings Inc. in?
Neptune Insurance Holdings Inc. operates in the Technology sector, specifically within the Software - Application industry. The company is traded on the NYSE exchange.
What is NP's market cap?
Neptune Insurance Holdings Inc. has a market capitalization of $2.66 billion, making it a mid-cap company.
Does NP pay dividends?
No, Neptune Insurance Holdings Inc. does not currently pay a dividend to shareholders.
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