Neptune Insurance Holdings Inc. (NP)

Price$25.49

Value ScoreC

Growth ScoreC

Momentum ScoreB

Favorite Metrics

Price vs S&P 500 (26W)1.38%

Price vs S&P 500 (4W)-14.80%

VGM Score51.88

Market Capitalization$3.53B

P/E Ratio (Annual)94.25x

Indicated Dividend Yield (Annual)5.68%

All Metrics

P/CF (Annual)68.24x

Book Value / Share (Quarterly)$18.33

Revenue Growth (3Y)-0.21%

Cash Flow / Share (Quarterly)$0.46

Price vs S&P 500 (YTD)-20.74%

Gross Margin (TTM)14.91%

Net Profit Margin (TTM)-2.53%

10-Day Avg Trading Volume0.83M

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)$0.08

Revenue Growth QoQ (YoY)25.46%

P/E Normalized (Annual)94.25x

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)$603,400

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)0.99x

3-Month Avg Trading Volume0.56M

52-Week Price Return-36.19%

EV / Free Cash Flow (Annual)78.47x

Revenue / Employee (TTM)$435,740,100,000

Tangible BV / Share (Quarterly)$-2.27

P/S Ratio (Annual)22.10x

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 Return9.31%

Quick Ratio (Annual)0.97x

13-Week Price Return20.24%

Total Debt / Equity (Annual)146.36x

Current Ratio (Quarterly)1.01x

Enterprise Value$3.74B

Revenue / Share Growth (5Y)2.10%

Asset Turnover (TTM)1.13x

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 Dev75.51%

Gross Margin (5Y Avg)18.47%

Net Income / Employee (TTM)$-11,030,890,000

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)55.72x

Receivables Turnover (TTM)7.68x

EV / Free Cash Flow (TTM)59.14x

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/E47.88x

Free OCF CAGR (5Y)15.93%

EPS Growth TTM (YoY)-15.35%

Year-to-Date Return-12.59%

5-Day Price Return-2.90%

EPS Normalized (Annual)$0.36

Net Profit Margin (Annual)23.45%

Month-to-Date Return-9.19%

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)51.58x

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)11.98%

Dividend Yield (TTM)5.65%

Beta-0.04x

P/FCF (Annual)73.93x

Revenue / Share (TTM)$64.53

ROE (TTM)-2.85%

52-Week Low$14.78

vGradeC

gGradeC

mGradeB

vgmGradeC

Show chart for

Earnings Surprise History

Q1 260.09est. 0.09

Analyst Recommendations

Mar 2026

Apr 2026

May 2026

Jun 2026

3.90

3.95

3.85

Industry Peers — Insurance Agents & Brokers(33)

Symbol	Value Score	Growth Score	Momentum Score	Price
NPNeptune Insurance Holdings Inc.	C	C	B	$25.49
MRSHMarsh	C	C	C	$165.44
AONAon plc Class A	D	C	B	$328.53
AJGArthur J. Gallagher & Co.	D	C	C	$216.14
WTWWillis Towers Watson Public Limited Company Ordinary Shares	C	C	C	$263.54
BROBrown & Brown, Inc.	C	B	C	$58.86
EQHEquitable Holdings, Inc.	C	D	B	$40.80
ERIEErie Indemnity Co	C	C	C	$227.22
RYANRyan Specialty Holdings, Inc.	D	B	D	$32.56
ACTEnact Holdings, Inc. Common Stock	C	D	B	$41.79
HGTYHagerty, Inc.	D	C	B	$10.45

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.