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Neptune Insurance Holdings Inc.
NP
NYSE·Technology·Software - Application·Mkt cap $3.2B
$32.99
▼ -3.14%
View full research view
Our plain-language verdict, the thesis, risk factors, and what is changing about the business.
View research view52-Week Range
$14.78 - $34.41
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Up 37.3% 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 -0.1).
- High premium - requires strong execution
Growth
Moderate growth ahead
Increasing demand for flood insurance due to climate change and extreme weather events
Value
High premium - requires strong execution
Momentum
Hot
+36.0% 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
Recent earnings results
AI-summarized recap of last quarter, plus the surprise on every print.
Next: Jul 22, 2026
Earnings recap unavailable for this period.
EPS surprise · last 4Q
Q1 26
$0.05
Q4 25
$0.03
Q3 25
$0.11
Q2 25
$0.08
Next: Jul 22, 2026
Revenue trend · last 5Q
—
—
—
—
+29%
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
$29.4M
$42.1M
$44.4M
$43.8M
$37.8M
Margins · last 5Q
Gross
70.0%
Operating
35.6%
Profit
19.4%
Wall Street consensus
7 analysts · 57% Buy
Live ratings and price targets aggregated across covering analysts.
Buy
57%
Hold
43%
Sell
0%
Median Price Target
$27.50
▼ -16.6% vs $32.99
Latest: Morgan Stanley · $29.00 · May 21, 2026
2 analysts covering
vs Industry
How NP stacks vs Software - Application
Stock metrics vs industry averages. Green = better than industry.
Industry comparison data unavailable for this stock.
Related
Peers & themes
Peers
No peer data available.
Themes
No themes assigned.