Neptune Insurance Holdings/$NP
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About Neptune Insurance Holdings
Neptune Insurance Holdings Inc is a high-growth, data-driven MGA that is revolutionizing the way homeowners and businesses protect against the growing risks of flooding. It offers a range of easy-to-purchase residential and commercial insurance products - including primary flood insurance, excess flood insurance, and parametric earthquake insurance - distributed through a nationwide network of agencies. It underwrites and administers the issuance of insurance policies on behalf of a diverse panel of insurance and reinsurance companies, whom the company refer to as capacity providers, that manage both this risk and the associated claims handling.
Ticker
$NP
Sector
Primary listing
NYSE
Employees
-
Headquarters
Website
NP Metrics
BasicAdvanced
$3.5B
-
-$0.30
-
-
Price and volume
Market cap
$3.5B
52-week high
$33.23
52-week low
$22.30
Financial strength
Current ratio
0.824
Quick ratio
0.189
Long term debt to equity
-99.491
Total debt to equity
-104.889
Dividend payout ratio (TTM)
386.62%
Interest coverage (TTM)
4.96%
Profitability
EBITDA (TTM)
75.549
Gross margin (TTM)
70.14%
Net profit margin (TTM)
33.10%
Operating margin (TTM)
54.93%
Effective tax rate (TTM)
25.59%
Management effectiveness
Valuation
Price to revenue (TTM)
17.354
Price to book
-4.51
Price to tangible book (TTM)
-4.43
Price to free cash flow (TTM)
-437.499
Free cash flow yield (TTM)
-0.23%
Free cash flow per share (TTM)
-0.058
Growth
Bulls say / Bears say
Neptune has grown to 260,000 policyholders nationwide, leveraging advanced flood modeling and algorithms to drive strong adoption of its AI-driven flood insurance products. (WSJ)
Its proprietary Triton underwriting engine has delivered a lifetime written loss ratio of just 24.7% across 21 landfall hurricanes, demonstrating disciplined risk selection and pricing. (Reuters)
NP shares jumped 12.5% to $22.50 in its NYSE debut, valuing Neptune at $3.11 billion, underscoring strong investor confidence in its high-growth, technology-driven business model. (Reuters)
Government-subsidized NFIP rates underprice high-risk properties, constraining Neptune’s ability to compete on premium pricing in key markets and potentially limiting growth. (WSJ)
Munich Re warns that the surge of alternative capital in reinsurance may destabilize capacity and trigger price hikes after major events, which could increase costs or tighten capacity for flood insurers like Neptune. (FT)
Data summarised monthly by Lightyear AI. Last updated on 15 Oct 2025.
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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Capital at risk
Upcoming events
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FAQs
What’s the current market cap for Neptune Insurance Holdings stock?
Neptune Insurance Holdings (NP) has a market cap of $3.5B as of November 06, 2025.
What is the P/E ratio for Neptune Insurance Holdings stock?
The price to earnings (P/E) ratio for Neptune Insurance Holdings (NP) stock is 0 as of November 06, 2025.
Does Neptune Insurance Holdings stock pay dividends?
No, Neptune Insurance Holdings (NP) stock does not pay dividends to its shareholders as of November 06, 2025.
When is the next Neptune Insurance Holdings dividend payment date?
Neptune Insurance Holdings (NP) stock does not pay dividends to its shareholders.
What is the beta indicator for Neptune Insurance Holdings?
Neptune Insurance Holdings (NP) does not currently have a Beta indicator.