Neptune Insurance Holdings/$NP
1D1W1M3M6MYTD1Y5YMAX
Capital at risk
About Neptune Insurance Holdings
Neptune Insurance Holdings Inc is a high-growth, profitable, data-driven MGA that offers residential and commercial insurance products, including primary flood insurance, excess flood insurance and parametric earthquake insurance, distributed through a nationwide network of agencies in the United States. The company underwrites and administers the issuance of insurance policies on behalf of a diverse panel of insurance and reinsurance companies and does not take any balance sheet insurance risk or have claims handling responsibility relating to the policies it sells.
- Ticker
- $NP
- Sector
- Finance
- Primary listing
- NYSE
- Employees
- 62
- Headquarters
- Saint Petersburg, United States
- Website
- www.neptuneflood.com
NP Metrics
BasicAdvanced
$4B
102.87
$0.28
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Price and volume
Market cap
$4B
52-week high
$35.15
52-week low
$14.78
Average daily volume
520K
Financial strength
Current ratio
1.054
Quick ratio
0.261
Long term debt to equity
-1.08
Total debt to equity
-1.08
Interest coverage (TTM)
4.84%
Profitability
EBITDA (TTM)
79.655
Gross margin (TTM)
56.49%
Net profit margin (TTM)
21.45%
Operating margin (TTM)
45.62%
Effective tax rate (TTM)
32.57%
Revenue per employee (TTM)
$2,930,000
Management effectiveness
Return on assets (TTM)
54.16%
Return on equity (TTM)
-15.57%
Valuation
Price to earnings (TTM)
102.871
Price to revenue (TTM)
20.442
Price to book
-18.09
Price to tangible book (TTM)
-17.28
Price to free cash flow (TTM)
54.776
Free cash flow yield (TTM)
1.83%
Free cash flow per share (TTM)
0.535
Growth
Revenue change (TTM)
32.95%
Earnings per share change (TTM)
-189.24%
What the Analysts think about NP
Analyst ratings (Buy, Hold, Sell) for Neptune Insurance Holdings stock.
Analyst projections of the future price of Neptune Insurance Holdings stock.
Bulls say / Bears say
Second-quarter revenue rose 33% to a record $55.9 million, while net income grew 36% and adjusted EBITDA rose 36% with a 62% margin. Premium in force also increased 32%, showing that growth is translating into strong profits. (Neptune Insurance Holdings)
There is room for private flood cover to gain share as NFIP subsidies recede: Neptune’s analysis of FEMA data found 42% of NFIP policyholders still pay below full-risk prices, with that subsidy expected to phase out over time. A narrowing price gap could make private alternatives more attractive. (Neptune Insurance Holdings)
Neptune renewed its two largest capacity programmes on improved terms and expanded its provider panel to 45 partners. Higher coverage limits and new earthquake products give agents more ways to serve customers and could support further growth. (MarketScreener)
Neptune relies on insurers and reinsurers to provide capacity, so partners’ reduced appetite or tougher terms could constrain growth or squeeze commissions even though Neptune does not bear claims risk itself. The company also depends heavily on third-party agents to distribute its policies. (StockTitan)
The NFIP remains a formidable government-backed competitor, with about 80% of the flood market and subsidised pricing in some areas. If its pricing reforms are delayed or it becomes more competitive, Neptune may find it harder to win and retain customers. (SEC)
Policy sales can be sensitive to weather and housing activity: Neptune said a slow property market reduced selling opportunities and that below-average storm activity had left a residual slowdown in demand. A prolonged lull could weigh on new business and revenue growth. (MarketScreener)
Data summarised monthly by Lightyear AI. Last updated on 19 Oct 2026.
NP Financial Performance
Revenues and expenses
NP Earnings Performance
Company profitability
Upcoming events
No upcoming events
NP News
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Funds containing NP
Fund name | Fund size | $NP weighting |
|---|---|---|
SPDR Russell 2000 US Small Cap£R2SC | $5.3B | 0.04% |
SPDR Russell 2000 US Small Cap€R2US | $5.3B | 0.04% |
iShares MSCI USA Small Cap ESG Enhanced CTB€SXRG | $3.2B | 0.01% |
iShares MSCI World Small Cap$WSML | $9B | 0.01% |
iShares MSCI World Small Cap£WLDS | $9B | 0.01% |
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
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