Neptune Insurance Holdings Inc.
NP
NYSE·Financial Services·Insurance - Brokers·Mkt cap $3.1B
$33.28
▲ +1.77%
P/E
109.33
Mkt Cap
$3.1B
52-Wk Range
$14.78–$35.15
52-Week Range
$14.78 - $35.15
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Up 34.2% over the trailing year
Total returns
Price performance
Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.
Why we rate it this way
The thesis at a glance
Bull and bear case · plain-English context across the five lenses we evaluate.
Bull Case
4 reasons
- Proprietary AI and machine learning platforms (Triton underwriting engine, Poseidon policy management)
- Capital-light model with no balance sheet risk or claims handling responsibility
- Specialized expertise in high-growth flood and earthquake insurance segments
- Established agency distribution network enabling rapid market penetration
Bear Case
2 risks
- Low volatility (beta -0.2).
- Extreme premium - high expectations embedded
Growth
Moderate growth ahead
Increasing demand for flood insurance due to climate change and extreme weather events
Value
Extreme premium - high expectations embedded
Momentum
Hot
+36.9% over 3m
Quality
Excellent
Strong fundamentals
Dividend
None
No dividend
Smart-money signal
Who's buying NP right now
Insider Form 4s, 13F institutional filings, and Congressional disclosures - at a glance.
Earnings track record
Latest print - beat on both lines
AI-summarized recap of last quarter, plus the surprise on every print.
Next: Nov 11, 2026
JUL 21, 2026
Reported EPS of $0.15 vs $0.14 consensus (+3.5% surprise). Revenue of $55.9M vs $52.4M expected (+6.7%). Beat on both top and bottom lines.
EPS surprise · last 4Q
1 of 1 beats
Estimate
Actual
Q3 26
+3.5%
Revenue trend · last 6Q
—
—
—
—
+29%
+33%
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
Q2 26
$29.4M
$42.1M
$44.4M
$43.8M
$37.8M
$55.9M
Margins · last 6Q
Gross
70.4%
Operating
47.3%
Profit
28.3%
Wall Street consensus
7 analysts · 43% Buy
Live ratings and price targets aggregated across covering analysts.
Buy
43%
Hold
57%
Sell
0%
Median Price Target
—
Latest: BMO Capital · Jul 30, 2026
vs Industry
How NP stacks vs Insurance - Brokers
Stock metrics vs industry averages. Green = better than industry.
Industry comparison data unavailable for this stock.