Neptune Insurance Holdings (NP) Stock Overview
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. More details
| Snowflake Score | |
|---|---|
| Valuation | 0/6 |
| Future Growth | 4/6 |
| Past Performance | 3/6 |
| Financial Health | 2/6 |
| Dividends | 0/6 |
NP Community Fair Values
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Analyst Price Targets
Neptune Insurance Holdings Inc. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$33.36 |
| 52 Week High | US$35.15 |
| 52 Week Low | US$14.78 |
| Beta | 0 |
| 1 Month Change | 10.32% |
| 3 Month Change | 15.27% |
| 1 Year Change | n/a |
| 3 Year Change | n/a |
| 5 Year Change | n/a |
| Change since IPO | 34.52% |
Recent News & Updates
NP: Capital Returns And Higher Coverage Limits Will Shape Balanced Outlook
Analysts have raised their fair value estimate for Neptune Insurance Holdings from $26.00 to $31.00, reflecting updated assumptions for the discount rate, revenue growth, profit margin, and future P/E multiples. What’s in the News for Neptune Insurance Holdings Between April 21, 2026 and June 30, 2026, Neptune Insurance Holdings completed a share repurchase tranche of 235,000 shares, equal to 0.17% of shares, for a total cost of US$5.89 million.
NP: Buybacks And AI Tools Will Shape A Cautious Yet Balanced Outlook
Analysts have raised their price target for Neptune Insurance Holdings to $34.15 from $31.23 as updated assumptions for discount rate, revenue growth, profit margin and future P/E contribute to a higher fair value estimate. What’s in the News for Neptune Insurance Holdings Neptune Insurance Holdings raised full year 2026 earnings guidance and now projects revenue of $199 million, with management indicating this would represent 25% top line growth.Neptune Insurance Holdings Inc. Just Beat Revenue Estimates By 6.5%
It's been a pretty great week for Neptune Insurance Holdings Inc. ( NYSE:NP ) shareholders, with its shares surging 17...
NP: Record Earnings And Index Additions Will Support Stronger Future Repricing
Analysts have updated their view on Neptune Insurance Holdings with a higher implied price target, moving from about $35.00 to roughly $38.96. They cited revised assumptions for revenue growth, profit margins and future P/E levels.Recent updates
NP: Capital Returns And Higher Coverage Limits Will Shape Balanced Outlook
Analysts have raised their fair value estimate for Neptune Insurance Holdings from $26.00 to $31.00, reflecting updated assumptions for the discount rate, revenue growth, profit margin, and future P/E multiples. What’s in the News for Neptune Insurance Holdings Between April 21, 2026 and June 30, 2026, Neptune Insurance Holdings completed a share repurchase tranche of 235,000 shares, equal to 0.17% of shares, for a total cost of US$5.89 million.NP: Buybacks And AI Tools Will Shape A Cautious Yet Balanced Outlook
Analysts have raised their price target for Neptune Insurance Holdings to $34.15 from $31.23 as updated assumptions for discount rate, revenue growth, profit margin and future P/E contribute to a higher fair value estimate. What’s in the News for Neptune Insurance Holdings Neptune Insurance Holdings raised full year 2026 earnings guidance and now projects revenue of $199 million, with management indicating this would represent 25% top line growth.Neptune Insurance Holdings Inc. Just Beat Revenue Estimates By 6.5%
It's been a pretty great week for Neptune Insurance Holdings Inc. ( NYSE:NP ) shareholders, with its shares surging 17...NP: Record Earnings And Index Additions Will Support Stronger Future Repricing
Analysts have updated their view on Neptune Insurance Holdings with a higher implied price target, moving from about $35.00 to roughly $38.96. They cited revised assumptions for revenue growth, profit margins and future P/E levels.NP: Expanded Flood Coverage And AI Tools Will Shape A Balanced Outlook
Analysts have revised their price target for Neptune Insurance Holdings to $31.23 from $28.38, citing updated assumptions around discount rates, profit margins, and future P/E expectations. What’s in the News for Neptune Insurance Holdings Neptune Insurance Holdings expanded its flood insurance product line, with building coverage limits now available up to $15 million across residential, commercial, and residential condominium building association policies, according to recent company announcements.NP: AI Underwriting Rollout And Capital Moves Will Shape Balanced Outlook
Analysts have lifted their price target on Neptune Insurance Holdings from $22.50 to $26.00 as they adjust their models to reflect updated assumptions for the discount rate, revenue growth, profit margin, and future P/E multiples. What’s in the News for Neptune Insurance Holdings Neptune Insurance Holdings launched Atlas+, an AI powered platform integrated into the Neptune Agent Portal, giving agents tools to generate sales scripts, personalized emails, quote specific talking points, and natural language interactions with live flood insurance quotes.Neptune Insurance: Riding Flood Insurance Regulatory Tailwinds
Summary Regulatory shifts and lender requirements are driving stronger demand for private flood insurance. Neptune Insurance Holdings Inc. grows fast with recurring, renewal-driven fees; partners expand as loss results prove out. NP stock valuation is rich versus peers; upside relies on flawless execution and limited cherry-picking backlash. Read the full article on Seeking AlphaAI Flood Underwriting And Capacity Constraints Will Shape A Cautious But Stable Outlook
Catalysts About Neptune Insurance Holdings Neptune Insurance Holdings operates an AI focused, asset light managing general agent model in the U.S. flood insurance market, connecting capacity providers, agents and policyholders without taking balance sheet insurance risk. What are the underlying business or industry changes driving this perspective?Shareholder Returns
| NP | US Insurance | US Market | |
|---|---|---|---|
| 7D | 6.0% | 0.6% | -1.2% |
| 1Y | n/a | 3.9% | 18.3% |
Return vs Industry: Insufficient data to determine how NP performed against the US Insurance industry.
Return vs Market: Insufficient data to determine how NP performed against the US Market.
Price Volatility
| NP volatility | |
|---|---|
| NP Average Weekly Movement | 8.1% |
| Insurance Industry Average Movement | 4.7% |
| Market Average Movement | 7.2% |
| 10% most volatile stocks in US Market | 16.4% |
| 10% least volatile stocks in US Market | 3.1% |
Stable Share Price: NP has not had significant price volatility in the past 3 months compared to the US market.
Volatility Over Time: NP's weekly volatility (8%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 2016 | 62 | Trevor Burgess | www.neptuneflood.com |
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 founded in 2016 and is based in Saint Petersburg, Florida.
Neptune Insurance Holdings Inc. Fundamentals Summary
| NP fundamental statistics | |
|---|---|
| Market cap | US$4.58b |
| Earnings (TTM) | US$37.44m |
| Revenue (TTM) | US$181.80m |
Is NP overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| NP income statement (TTM) | |
|---|---|
| Revenue | US$181.80m |
| Cost of Revenue | US$86.06m |
| Gross Profit | US$95.74m |
| Other Expenses | US$58.30m |
| Earnings | US$37.44m |
Last Reported Earnings
Jun 30, 2026
Next Earnings Date
n/a
| Earnings per share (EPS) | 0.27 |
| Gross Margin | 52.66% |
| Net Profit Margin | 20.59% |
| Debt/Equity Ratio | -108.0% |
How did NP perform over the long term?
See historical performance and comparisonCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/08/24 19:10 |
| End of Day Share Price | 2026/08/21 00:00 |
| Earnings | 2026/06/30 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Neptune Insurance Holdings Inc. is covered by 18 analysts. 10 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| null null | BMO Capital Markets Equity Research |
| Michael Zaremski | BMO Capital Markets Equity Research |
| Joshua Shanker | BofA Global Research |