Neptune Insurance Holdings Inc. (NP) Stock Price

NPStock

$34.43−36.19%52W

Market Cap$4.72B

P/E117.63x

PEG Ratio—

Div yield5.68%

Beta-0.07

NP Share Price Chart

Favorite Metrics

Price vs S&P 500 (26W)71.55%

Price vs S&P 500 (4W)0.90%

VGM Score42.05

P/E Ratio (Annual)117.63x

Indicated Dividend Yield (Annual)5.68%

P/CF (Annual)85.18x

Book Value / Share (Quarterly)$18.33

Revenue Growth (3Y)-0.21%

Cash Flow / Share (Quarterly)$0.49

Price vs S&P 500 (YTD)1.69%

Gross Margin (TTM)69.60%

Net Profit Margin (TTM)21.45%

EPS (TTM)$1.35

10-Day Avg Trading Volume0.39M

EPS Excl Extra (TTM)$1.35

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)$0.13

P/E Basic Excl Extra (TTM)112.85x

Revenue Growth QoQ (YoY)25.46%

P/E Normalized (Annual)117.63x

ROA (Last FY)57.29%

Revenue Growth TTM (YoY)38.21%

EBITD / Share (TTM)$0.72

Operating Margin (TTM)40.72%

Cash Flow / Share (Annual)$0.35

P/B Ratio (Quarterly)1.83x

Net Income / Employee (Annual)$603,400

EV / Revenue (TTM)25.43x

Net Interest Coverage (TTM)4.10x

ROA (TTM)45.55%

EPS Growth QoQ (YoY)-32.45%

EV / EBITDA (TTM)59.29x

EPS Incl Extra (Annual)$0.36

Current Ratio (Annual)0.99x

Quick Ratio (Quarterly)1.04x

3-Month Avg Trading Volume0.78M

52-Week Price Return-36.19%

EV / Free Cash Flow (Annual)96.94x

P/E Incl Extra (TTM)112.85x

Revenue / Employee (TTM)$2,932,200

Tangible BV / Share (Quarterly)$-2.27

P/S Ratio (Annual)27.58x

Asset Turnover (Annual)2.44x

52-Week High$35.15

Operating Margin (5Y Avg)4.58%

EPS Excl Extra (Annual)$0.36

26-Week Price Return82.79%

Quick Ratio (Annual)0.97x

13-Week Price Return21.53%

Total Debt / Equity (Annual)146.36x

Current Ratio (Quarterly)1.05x

Enterprise Value$4.62B

Revenue / Share Growth (5Y)2.10%

Asset Turnover (TTM)2.12x

Book Value / Share Growth (5Y)-1.36%

Revenue / Employee (Annual)$2,573,400

Inventory Turnover (Annual)6.62x

Pretax Margin (Annual)33.62%

Cash / Share (Annual)$0.06

3-Month Return Std Dev56.13%

Gross Margin (5Y Avg)18.47%

Net Income / Employee (TTM)$629,000

EBITDA CAGR (5Y)-6.98%

EBITDA Interim CAGR (5Y)-7.21%

ROE (Last FY)-7.34%

Net Interest Coverage (Annual)4.57x

EPS Basic Excl Extra (Annual)$0.36

P/FCF (TTM)64.87x

Receivables Turnover (TTM)19.39x

EV / Free Cash Flow (TTM)68.15x

Total Debt / Equity (Quarterly)156.95x

EPS Incl Extra (TTM)$1.35

Receivables Turnover (Annual)8.48x

ROI (TTM)-3.45%

Dividend Growth Rate (5Y)4.75%

P/S Ratio (TTM)24.21x

Pretax Margin (5Y Avg)3.16%

Revenue / Share (Annual)$1.53

Tangible BV / Share (Annual)$-2.22

Forward P/E62.05x

Free OCF CAGR (5Y)15.93%

P/E Ratio (TTM)112.85x

EPS Growth TTM (YoY)-15.35%

Year-to-Date Return13.65%

5-Day Price Return5.21%

EPS Normalized (Annual)$0.36

Net Profit Margin (Annual)23.45%

Month-to-Date Return4.51%

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)61.03x

ROI (5Y Avg)3.38%

P/E Excl Extra (TTM)112.85x

LT Debt / Equity (Quarterly)154.84x

EPS Basic Excl Extra (TTM)$1.35

P/B Ratio (Annual)1.78x

Dividend / Share (TTM)$1.89

Inventory Turnover (TTM)7.02x

Pretax Margin (TTM)31.81%

Book Value / Share (Annual)$18.83

Price vs S&P 500 (13W)18.73%

Dividend Yield (TTM)5.65%

Beta-0.07x

P/FCF (Annual)92.28x

Revenue / Share (TTM)$1.24

ROE (TTM)-2.85%

52-Week Low$14.78

vGradeF

gGradeC

mGradeB

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NP Earnings Surprise History

Q3 250.11est. 0.11

Q4 250.10est. 0.10

Q1 260.09est. 0.10

Q2 260.15est. 0.14

NP Analyst Recommendations

May 2026

Jun 2026

Jul 2026

Aug 2026

3.95

3.85

3.86

3.77

Industry Peers — Insurance Agents & Brokers(34)

Symbol	Value Score	Growth Score	Momentum Score	Price
NPNeptune Insurance Holdings Inc.	F	C	B	$34.43
MRSHMarsh	C	C	B	$193.40
AONAon plc Class A	D	C	C	$354.83
AJGArthur J. Gallagher & Co.	D	C	B	$268.51
WTWWillis Towers Watson Public Limited Company Ordinary Shares	C	C	B	$346.82
BROBrown & Brown, Inc.	C	B	B	$73.34
RYANRyan Specialty Holdings, Inc.	D	B	C	$43.93
ERIEErie Indemnity Co	C	C	C	$257.98
EQHEquitable Holdings, Inc.	B	D	C	$48.91
ACTEnact Holdings, Inc. Common Stock	C	C	B	$49.57
HGTYHagerty, Inc.	D	C	B	$13.43
ARXAccelerant Holdings	C	A	C	$19.67
LIFEEthos Technologies Inc. Class A Common Stock	D	B	B	$38.56
CRVLCorvel Corp	D	C	C	$70.14
GSHDGoosehead Insurance, Inc. Class A Common Stock	F	B	B	$72.33
BWINThe Baldwin Insurance Group, Inc. Class A Common Stock	D	C	B	$30.91
YBYuanbao Inc. American Depositary Shares	B	B	D	$13.83
CRD.ACrawford & Company Class A	B	D	B	$13.19
CRD.BCrawford & Company Class B	B	D	B	$11.78
TWFGTWFG, Inc. Common Stock	F	B	A	$31.15
WDHWaterdrop Inc. American Depositary Shares (each representing the right to receive 10 Class A Ordinary Shares)	A	C	F	$0.99
XHGXChange TEC.INC American Depositary Shares	—	D	B	$4.02
AIFUAIFU Inc. Class A Ordinary Share	B	D	D	$24.80
RDZNRoadzen, Inc. Ordinary Shares	C	B	B	$1.51
SLQTSelectQuote, Inc.	A	C	D	$0.55
HITHealth In Tech, Inc. Class A Common Stock	C	B	D	$1.01
CCGCheche Group Inc. Class A Ordinary Shares	A	A	D	$17.21
EHTHeHealth, Inc.	A	F	D	$1.20
HUIZHuize Holding Limited American Depositary Shares	A	C	C	$1.47
ZBAOZhibao Technology Inc. Class A Ordinary Shares	A	A	F	$0.19
GOCOGoHealth, Inc. Class A Common Stock	B	F	D	$0.34
EZRAReliance Global Group, Inc. Common Stock	—	F	D	$2.81
CCGWWCheche Group Inc. Warrant	—	—	D	$0.02
CRDCorgi CRDO 2x Daily ETF	—	—	F	$19.77
RDZNWRoadzen, Inc. Warrants	—	—	D	$0.11

About Neptune Insurance Holdings Inc.

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.