Neptune Insurance Holdings Inc (NP)

Neptune Insurance Holdings Inc. is a NYSE-listed common stock issuer in the Financials sector and the Insurance industry. Through its subsidiary, Neptune Flood Incorporated, the company operates as an insurance agency focused on flood and earthquake coverage in the United States. Its business includes the sale of residential and commercial flood insurance policies on behalf of carrier partners, along with primary and excess flood coverage as well as parametric and indemnity earthquake insurance distributed through a network of agencies. Neptune Insurance Holdings Inc. was founded in 2016 and is headquartered in Saint Petersburg, Florida.


Jump directly to the stock analysis sections supported by the latest available data.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.
Ticker Fair Value Fair Value Upside/Downside Fair Value Rating Analyst Price Target Analyst Target Upside/Downside Analyst Target Rating Overall Financial Health Dividend Yield Next Earnings Date P/E Ratio Price-to-Sales Ratio Market Cap Enterprise Value Total Debt / Total Capital Free Float / Shares Outstanding Altman Z-Score Free Cash Flow / Net Income
NYSE-NP
$22.19
-22.0% Downside
Overvalued
$34.27
20.5% Upside
Undervalued
Fair
0.0%
February 18, 2027
87.3x
19.8x
3.903 B
4.1 B
5.2%
29.6%
5.5
192.6%
Valuation • Fair Value

Neptune Insurance Holdings Inc (NYSE-NP) Fair Value by Valuation Model

Review the available estimates for Neptune Insurance Holdings Inc (NYSE-NP), including DCF Fair Value, Ben Graham Formula Value, Comps Fair Value.

Primary Valuation Read

Fair Value

$22.19

Estimated downside of 22.0% versus the current market price.

Fair Value Confidence

Med

Confidence level for the primary fair value estimate.

DCF Fair Value

$23.17

Discounted cash flow valuation reference.

Ben Graham Formula Value

$3.61

Classic Ben Graham valuation formula reference.

Comps Fair Value

$21.20

Comparable-company valuation reference.

Analyst Price Target

$34.27

Analysts imply upside of 20.5%.

How to read these valuation models

Use the 6 available valuation references for Neptune Insurance Holdings Inc (NYSE-NP) as analytical inputs, not a standalone conclusion. Valuation methods can differ because they rely on different assumptions, time horizons and financial inputs; compare the estimates with the current price and the company’s financial quality.

Profitability • Growth

Profitability & Growth for Neptune Insurance Holdings Inc (NYSE-NP)

Review the profitability and growth indicators currently supported by the latest data.

Revenue

197 M

Current operating scale indicator.

Revenue Forecast

204.5 M

Forward revenue estimate.

EBITDA

90.56 M

Current operating profitability reference.

EBITDA Forecast

124.8 M

Forward operating profitability estimate.

How to read profitability and growth

This section helps investors review Neptune Insurance Holdings Inc (NYSE-NP) from an operating perspective by combining current scale, forward revenue expectations and EBITDA-related profitability measures.

Quality • Risk

Quality & Financial Risk for Neptune Insurance Holdings Inc (NYSE-NP)

Review the financial quality and risk indicators currently supported by the latest data.

Financial Health

Fair

Mixed or neutral financial-health read.

Piotroski Score

6

Mid-range quality score.

Beneish M-Score

-3.60

No elevated caution signal from this screen.

Altman Z-Score

5.5

Relatively strong balance-sheet zone.

FCF / Net Income

192.6%

Cash conversion quality indicator.

How to read quality and risk

This section combines quality, balance-sheet and accounting-risk indicators for Neptune Insurance Holdings Inc (NYSE-NP). Read the metrics together: no single score is a complete investment conclusion, but the combined view can highlight financial strength, earnings quality and areas that may deserve closer review.

Events • Dividends

Upcoming Events & Dividends for Neptune Insurance Holdings Inc (NYSE-NP)

Track the upcoming dates and dividend metrics currently supported by the latest data.

Next Earnings Date

February 18, 2027

Days to Earnings

117

Dividend Yield

0.0%

No current dividend yield is indicated.

How to read events and dividends

This section helps investors track time-sensitive items for Neptune Insurance Holdings Inc (NYSE-NP), including the next earnings date and dividend-related milestones. These items can matter for short-term volatility, income planning and event-driven positioning.

Stock Forecast • Technical Outlook

Neptune Insurance Holdings Inc (NYSE-NP) Stock Forecast & Technical Outlook

Review Neptune Insurance Holdings Inc (NYSE-NP) across multiple technical time frames, alongside analyst recommendation data, to form a faster read on market positioning and near-term sentiment.

Technical Signals by Time Frame

Switch between time frames to review the current technical signal for the stock.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 15-minute • intraday
Sell

The 15-minute technical read for Neptune Insurance Holdings Inc (NYSE-NP) is currently Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 1-hour • short-term
Strong Sell

The 1-hour technical read for Neptune Insurance Holdings Inc (NYSE-NP) is currently Strong Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: daily • daily
Sell

The daily technical read for Neptune Insurance Holdings Inc (NYSE-NP) is currently Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: weekly • weekly
Strong Sell

The weekly technical read for Neptune Insurance Holdings Inc (NYSE-NP) is currently Strong Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: monthly • monthly
Neutral

The monthly technical read for Neptune Insurance Holdings Inc (NYSE-NP) is currently Neutral. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Analyst Consensus for Neptune Insurance Holdings Inc (NYSE-NP)

A consolidated view of buy, hold and sell recommendations based on the currently available analyst data.

Strong Sell Sell Neutral Buy Strong Buy
Consolidated analyst recommendation mix
Buy

Based on the available recommendation mix, Neptune Insurance Holdings Inc (NYSE-NP) has a Buy consensus, with 5 buy, 5 hold and 0 sell recommendations in the current data set.

Buy 5
Hold 5
Sell 0
FAQ • Fast Investor Answers

Neptune Insurance Holdings Inc (NYSE-NP) Stock FAQ

Data-supported answers about Neptune Insurance Holdings Inc (NYSE-NP), including explicit coverage status where a reliable valuation estimate is not currently available.

Fair Value
$22.19
Estimated downside 22.0%
Valuation Rating
Overvalued
Estimated downside of 22.0%
Analyst Target
$34.27
Implied upside 20.5%
Financial Health
Fair
Current financial-health read

The current fair value estimate for Neptune Insurance Holdings Inc (NYSE-NP) is $22.19. This implies an estimated downside of 22.0% versus the current market price.

Based on the current fair value estimate, the stock appears overvalued, with estimated downside of 22.0% versus the current market price.

The available analyst price target for Neptune Insurance Holdings Inc (NYSE-NP) is $34.27. The analyst target implies estimated upside of 20.5%.

The current financial health read for Neptune Insurance Holdings Inc (NYSE-NP) is Fair. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

The next earnings date currently listed for Neptune Insurance Holdings Inc (NYSE-NP) is February 18, 2027.

The latest available data indicates no current dividend yield for Neptune Insurance Holdings Inc (NYSE-NP).

The current P/E ratio listed for Neptune Insurance Holdings Inc (NYSE-NP) is 87.3x. Use it together with growth, margins and sector comparisons rather than as a standalone valuation signal.

The current market capitalization listed for Neptune Insurance Holdings Inc is 3.903 B.

The current enterprise value listed for Neptune Insurance Holdings Inc is 4.1 B. Enterprise value can provide a broader valuation view than market capitalization alone because it also considers net debt.

The ticker symbol for Neptune Insurance Holdings Inc is NYSE-NP, and the stock is listed on NYSE.

Neptune Insurance Holdings Inc (NYSE-NP) is listed on NYSE.

The current debt-to-total-capital ratio listed for Neptune Insurance Holdings Inc is 5.2%, which helps investors evaluate the company’s financing structure and leverage profile.

The free float listed for Neptune Insurance Holdings Inc is 29.6%. Free float helps investors understand how much of the share base is available for public trading.