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Neptune Insurance Holdings Inc. (NP)
Price$28.78
Favorite Metrics
Price vs S&P 500 (26W)-4.29%
Price vs S&P 500 (4W)17.21%
Market Capitalization$3.82B
P/E Ratio (Annual)102.14x
Indicated Dividend Yield (Annual)5.68%
All Metrics
P/CF (Annual)73.96x
Book Value / Share (Quarterly)$18.33
Revenue Growth (3Y)-0.21%
Price vs S&P 500 (YTD)-9.28%
Gross Margin (TTM)14.91%
Net Profit Margin (TTM)-2.53%
10-Day Avg Trading Volume0.29M
EPS Excl Extra (TTM)$-1.65
Revenue Growth (5Y)1.78%
EPS (Annual)$0.36
Dividend / Share (Annual)$1.89
ROI (Annual)-3.12%
Gross Margin (Annual)69.25%
Net Profit Margin (5Y Avg)2.63%
Cash / Share (Quarterly)$0.06
Revenue Growth QoQ (YoY)25.46%
P/E Normalized (Annual)102.14x
ROA (Last FY)57.29%
Revenue Growth TTM (YoY)38.21%
EBITD / Share (TTM)$6.05
Operating Margin (TTM)-1.22%
Cash Flow / Share (Annual)$0.35
P/B Ratio (Quarterly)1.83x
Net Income / Employee (Annual)$1
Net Interest Coverage (TTM)4.10x
EPS Growth QoQ (YoY)-32.45%
EPS Incl Extra (Annual)$0.36
Current Ratio (Annual)0.99x
Quick Ratio (Quarterly)0.97x
3-Month Avg Trading Volume0.40M
52-Week Price Return-36.19%
EV / Free Cash Flow (Annual)84.99x
Revenue / Employee (TTM)$435,740
Tangible BV / Share (Quarterly)$-2.27
P/S Ratio (Annual)23.95x
Asset Turnover (Annual)2.44x
52-Week High$33.23
Operating Margin (5Y Avg)4.58%
EPS Excl Extra (Annual)$0.36
26-Week Price Return4.46%
Quick Ratio (Annual)0.97x
13-Week Price Return3.36%
Total Debt / Equity (Annual)146.36x
Current Ratio (Quarterly)0.99x
Enterprise Value$4,053.291
Revenue / Share Growth (5Y)2.10%
Asset Turnover (TTM)1.13x
Book Value / Share Growth (5Y)-1.36%
Revenue / Employee (Annual)$3
Inventory Turnover (Annual)6.62x
Pretax Margin (Annual)33.62%
Cash / Share (Annual)$0.06
3-Month Return Std Dev79.48%
Gross Margin (5Y Avg)18.47%
Net Income / Employee (TTM)$-11,031
EBITDA CAGR (5Y)-6.98%
EBITDA Interim CAGR (5Y)-7.21%
ROE (Last FY)-7.34%
Net Interest Coverage (Annual)3.60x
EPS Basic Excl Extra (Annual)$0.36
P/FCF (TTM)80.12x
Receivables Turnover (TTM)7.68x
EV / Free Cash Flow (TTM)84.99x
Total Debt / Equity (Quarterly)156.95x
EPS Incl Extra (TTM)$-1.65
Receivables Turnover (Annual)8.48x
ROI (TTM)-3.45%
Dividend Growth Rate (5Y)4.75%
P/S Ratio (TTM)0.52x
Pretax Margin (5Y Avg)3.16%
Revenue / Share (Annual)$1.53
Tangible BV / Share (Annual)$-2.22
Forward P/E55.46x
Free OCF CAGR (5Y)15.93%
EPS Growth TTM (YoY)-15.35%
Year-to-Date Return-5.14%
5-Day Price Return8.22%
EPS Normalized (Annual)$0.36
Net Profit Margin (Annual)23.45%
Month-to-Date Return14.34%
Cash Flow / Share (TTM)$1.02
EBITD / Share (Annual)$0.71
Operating Margin (Annual)44.47%
LT Debt / Equity (Annual)144.08x
P/CF (TTM)73.96x
ROI (5Y Avg)3.38%
LT Debt / Equity (Quarterly)154.84x
EPS Basic Excl Extra (TTM)$-1.65
P/B Ratio (Annual)1.78x
Dividend / Share (TTM)$1.89
Inventory Turnover (TTM)7.02x
Pretax Margin (TTM)-3.04%
Book Value / Share (Annual)$18.83
Price vs S&P 500 (13W)0.50%
Dividend Yield (TTM)5.65%
Beta-0.03x
P/FCF (Annual)80.12x
Revenue / Share (TTM)$64.53
ROE (TTM)-2.85%
52-Week Low$14.78
Analyst Recommendations
Jan 2026
Feb 2026
Mar 2026
Apr 2026
3.70
3.70
3.90
3.90
Industry Peers — Insurance Agents & Brokers(27)
| Symbol | P/B Ratio (Quarterly) | ROE (TTM) | Indicated Dividend Yield (Annual) | Operating Margin (TTM) | Price |
|---|---|---|---|---|---|
NPNeptune Insurance Holdings Inc. | 1.83x | -2.85% | 5.68% | -1.22% | $28.78 |
MRSHMarsh | 5.75x | 25.91% | 2.05% | 21.70% | $174.59 |
AONAon plc Class A | 8.11x | 45.99% | 0.99% | 32.79% | $331.95 |
AJGArthur J. Gallagher & Co. | 2.85x | 6.50% | 1.26% | 19.03% | $223.07 |
WTWWillis Towers Watson Public Limited Company Ordinary Shares | 3.94x | 20.10% | 1.31% | 23.42% | $296.56 |
BROBrown & Brown, Inc. | 2.17x | 9.72% | 0.97% | 28.30% | $67.78 |
ERIEErie Indemnity Co | 5.85x | 25.30% | 2.39% | 17.55% | $253.63 |
EQHEquitable Holdings, Inc. | 99.23x | -52.70% | 2.59% | 7.68% | $41.64 |
RYANRyan Specialty Holdings, Inc. | 21.02x | 10.43% | 1.31% | 16.18% | $37.89 |
ACTEnact Holdings, Inc. Common Stock | 1.07x | 12.83% | 1.95% | 73.54% | $43.13 |
HGTYHagerty, Inc. | 14.93x | 17.68% | — | 12.36% | $10.86 |
About
Neptune Insurance Holdings is a managing general agent (MGA) that underwrites and distributes residential and commercial insurance products, including primary flood, excess flood, and parametric earthquake coverage, through a nationwide network of agencies. The company operates a capital-efficient model with no balance sheet insurance or claims-handling risk, earning profits by leveraging technology and data analytics to underwrite policies on behalf of third-party insurers and reinsurers. This approach enables high-growth, profitable operations while distributing underwriting risk to established carriers.