Neptune Insurance Holdings Inc. (NP)

NYQ – Real Time Price. Currency in USD

28.54

-2.14 (-6.98%)

At close: May 12, 2026, 4:00 PM EDT

28.66

+0.12 (0.42%)

After-hours: May 12, 2026, 7:32 PM EDT

Stock details

Previous close: 28.35$
Day's range: 26.52 - 29$
52-week range: 14.78 - 33.23$
Volume: 160 099
Average volume: 438 545
Beta: 1.7
EPS (TTM): N/A
PE ratio (TTM): N/A
Forward P/E: 52.93
Market cap: 3 921 681 399
Shares outstanding: 138 330 914
Dividend yield: N/A
Next earnings date: 2026-09-02
Sector: Financials
Industry: Insurance Brokers

About the company

Neptune Insurance Holdings Inc., through its subsidiary, Neptune Flood Incorporated, operates as an insurance agency that engages in selling residential and commercial flood insurance policies on behalf of insurance carrier partners in the United States. The company offers primary and excess flood, parametric earthquake, and indemnity earthquake insurance through a network of agencies. Neptune Insurance Holdings Inc. was fou... read more

CEO: Trevor Burgess
Country: United States
IPO Date: 2025-10-01
Employees: 62
Fiscal Year End: January - December
Website: https://www.neptuneflood.com

Revenue Breakdown

Residential and Commercial Insurance Products / 100.00%

News

No Data

There are no news for this stock.

Chart: NP

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Overall Score

3.7 / 1037%

Financial Strength

5.2

Profitability

Effectiveness

Growth

2.1

Forecast

7.6

Valuation

1.3

Dividend

Economic Moat

Octagon View

Strength & Weakness

Total debt $227.0M significantly exceeds cash reserves ($60.4M), raising financial stability concerns

Total current assets $0.0 are just enough to cover Total current liabilities $71.7M, indicating tight liquidity

Debt-to-equity ratio (-1.1) is well below the industry average (0.8), showcasing prudent financial management

The company has no interest-bearing debt, showcasing excellent financial strength

The company generates positive free cash flow $16.7M, supporting its financial health

Financial Strength

NAME	RATIO	INDUSTRY	SCORE
Current ratio	1.01	2.93	7.0
Quick ratio	1.01	2.31	7.0
Debt to Equity	N/A	0.76	1.0
Debt to Assets	2.66	0.37	1.0
Interest coverage	N/A	63.39	10
Weighted average score			5.2

Debt to Assets

Financial

Values in USD
(B=Billions, M=Millions, K=Thousands)

Values in USD (B=Billions, M=Millions, K=Thousands)

METRIC	2023	2024	2025	TTM
Total Revenue	85M	119M	160M	153M
Gross Profit	57M	81M	107M	103M
Operating Income	45M	68M	80M	64M
Net Income	18M	35M	37M	33M
EBITDA	48M	71M	84M	68M

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

NAME	RATIO	INDUSTRY	SCORE
Gross margin %	67.31	46.70	10
Operating margin %	35.56	0.16	10
Net margin %	19.44	19.22	10
EBITDA margin %	38.22	17.44	10
Cash flow margin %	44.16	5.55	10
Weighted average score			10.0

Net Margin

Effectiveness

NAME	RATIO	INDUSTRY	SCORE
ROA	64.75	4.84	1.0
ROE	N/A	2.29	1.0
ROIC	618.81	8.59	1.0
ROCE	554.45	9.85	1.0
Weighted average score			1.0

Estimated EPS vs Actual EPS

Forecast

NAME	REVENUE GROWTH	EPS GROWTH	SCORE
Current quarter	23.82	44.79	10
Next quarter	N/A	N/A	1.0
Current year	23.15	30.54	10
Next year	16.53	21.06	9.5
Weighted average score			7.6

Analyst Rating

Growth

NAME	REVENUE	NET INCOME	EPS	FCF	SCORE
Q/Q	-13.63	69.21	-9.99	N/A	3.3
Y/Y	19.97	-35.74	N/A	N/A	3.0
3y average	N/A	N/A	N/A	N/A	1.0
5y average	N/A	N/A	N/A	N/A	1.0
Weighted average score					2.1

Revenue Growth Rate vs. Industry

Valuation

NAME	RATIO	INDUSTRY	SCORE
P/E	N/A	26.99	1.0
PEG (5yr expected)	N/A	0.96	1.0
P/S	24.63	4.20	2.2
P/B	N/A	0.34	1.0
Weighted average score			1.3

DCF Model

DCF Model Period5 years

Discount rate9%

Perpetual growth rate3%

Revenue 5 year CAGR21.94%

FCF 5 year CAGR2

Fair value10.35$

Stock price28.63$

Dividend

NAME	CURRENT	INDUSTRY	SCORE
Dividend yield	0.00	N/A	1.0
Payout ratio	0.00	N/A	1.0
5-year dividend growth rate	N/A	N/A	1.0
Years of dividend increase	N/A	N/A	1.0
Weighted average score			1.0

Fair Value

$10.35

UndervaluedStock priceOvervalued

$28.63

Economic Moat

NAME	SCALE	SCORE
Market share	None	1.0
Intangible assets	None	1.0
Switching costs	None	1.0
Network effect	None	1.0
Economies of scale	None	1.0
Weighted average score		1.0

About the company

CEO

Trevor Burgess

Country

United States

IPO Date

2025-10-01

Employees

Fiscal Year End

January - December

Website

https://www.neptuneflood.com

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Current ratio

1.01

2.93

7.0

Quick ratio

1.01

2.31

7.0

Debt to Equity

N/A

0.76

1.0

Debt to Assets

2.66

0.37

1.0

Interest coverage

N/A

63.39

Weighted average score

5.2

METRIC

2023

2024

2025

TTM

Total Revenue

85M

119M

160M

153M

Gross Profit

57M

81M

107M

103M

Operating Income

45M

68M

80M

64M

Net Income

18M

35M

37M

33M

EBITDA

48M

71M

84M

68M

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Gross margin %

67.31

46.70

Operating margin %

35.56

0.16

Net margin %

19.44

19.22

EBITDA margin %

38.22

17.44

Cash flow margin %

44.16

5.55

Weighted average score

10.0

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

ROA

64.75

4.84

1.0

ROE

N/A

2.29

1.0

ROIC

618.81

8.59

1.0

ROCE

554.45

9.85

1.0

Weighted average score

1.0

NAME

REVENUE GROWTH

EPS GROWTH

SCORE

Current quarter

23.82

44.79

Next quarter

N/A

1.0

Current year

23.15

30.54

Next year

16.53

21.06

9.5

Weighted average score

7.6

NAME

REVENUE

NET INCOME

EPS

FCF

SCORE

Q/Q

-13.63

69.21

-9.99

N/A

3.3

Y/Y

19.97

-35.74

N/A

3.0

3y average

N/A

1.0

5y average

N/A

1.0

Weighted average score

2.1

NAME

RATIO

INDUSTRY

5Q TREND

SCORE

P/E

N/A

26.99

1.0

PEG (5yr expected)

N/A

0.96

1.0

P/S

24.63

4.20

2.2

P/B

N/A

0.34

1.0

Weighted average score

1.3

NAME

CURRENT

INDUSTRY

SCORE

Dividend yield

0.00

N/A

1.0

Payout ratio

0.00

N/A

1.0

5-year dividend growth rate

N/A

1.0

Years of dividend increase

N/A

1.0

Weighted average score

1.0

NAME

SCALE

SCORE

Market share

None

1.0

Intangible assets

None

1.0

Switching costs

None

1.0

Network effect

None

1.0

Economies of scale

None

1.0

Weighted average score

1.0

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Neptune Insurance Holdings Inc. (NP)

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Neptune Insurance Holdings Inc. (NP)

Stock details

About the company

Revenue Breakdown

News

Chart: NP

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$10.35

$28.63

Economic Moat

Stock details

About the company

Revenue Breakdown

News

Chart: NP

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$10.35

$28.63

Economic Moat