Neptune Insurance Holdings Inc. (NP) is a publicly traded company in the Financial Services — Insurance - Brokers industry listed on NYSE. This overview shows the latest price, key valuation ratios, profitability metrics and financial-health indicators used by fundamental investors.
Neptune Insurance Holdings Inc. functions as a technology-driven managing general agent (MGA) specializing in flood insurance solutions. The company provides a range of offerings, including both primary and excess flood coverage for residential and commercial properties, as well as parametric earthquake policies.
Is Neptune Insurance Holdings Inc. stock overvalued or undervalued in 2026?
Neptune Insurance Holdings Inc. (NP) trades at 93.6× earnings (P/E), against a median of 12.9× across the 321 financial services companies above $2bn in Kaplio's universe.
Kaplio overview: Neptune Insurance Holdings Inc.
Market cap $3B · 52 weeks $17 – $35 (17 % below the high) · P/E 93.6× · 2027 est. P/E 42.9× · Dividend none · Next earnings February 17, 2027 · expected EPS $0.14 · Closing price, Oct 30 · accounts published Oct 20.
- Valuation: P/B −17.7× (fairly priced).
- Business: 5-year op. margin 53.7 % (excellent).
- Balance sheet: Debt/Equity −1.02 (solid).
- Earnings: 4 of 7 (uneven).
What matters in insurance: 2 of 4 pass
- Dividend growth streak 1 years, fails.
- P/B (Price / Book) −17.7×, borderline.
- Op Margin 5y (Combined Ratio proxy) 53.7 %, passes.
- Debt / Equity −1.02, passes.
Against its peers (reference peers) — Neptune Insurance Holdings Inc.: P/E 93.7×; P/B —; ROE -20.5 %; $2.8B. Ethos Technologies Inc. (P/E —; P/B 5.8×; ROE -50.4 %; $2.8B), The Baldwin Insurance Group, Inc. (P/E —; P/B 2.5×; ROE -10.6 %; $2.6B), CorVel Corporation (P/E 36.5×; P/B 10.2×; ROE 29.9 %; $4.2B).
Dividend
tight · Yield 0.00 % ($1.27 per share in 2025).
Profitability
| Return on Equity | -20.46% |
| Return on Invested Capital | 52.41% |
| Return on Assets | 43.05% |
| Gross Margin | 69.15% |
| Operating Margin | 41.45% |
| Net Margin | 22.71% |
Financial Health
| Debt / Equity | -1.02 |
| Current Ratio | 0.00 |
| Piotroski F-Score | 5 |
| Altman Z-Score | 3.70 |
Price Performance
| 1 month | +6.38% |
| 3 months | -8.50% |
| Year-to-date | +0.07% |
| 1 year | +13.63% |
Dividend History
| Date | Amount |
|---|---|
| May 12, 2022 | $0.475 |
| February 17, 2022 | $0.475 |
| November 10, 2021 | $0.475 |
| August 12, 2021 | $0.47 |
| May 13, 2021 | $0.47 |
| February 11, 2021 | $0.47 |
| November 12, 2020 | $0.47 |
| August 13, 2020 | $0.47 |
| May 14, 2020 | $0.47 |
| February 13, 2020 | $0.47 |
Amounts adjusted for stock splits.
Related companies: RUM · ALRM · APPN · NATL · RNG · GRND
Explore sector: Financial Services · Insurance - Brokers
More sections of NP: Financials · Valuation · Statistics · Estimates · Technical · Ownership · News · Events
Discover more: Weekly Radar: the S&P 500 through the Buffett and Lynch methods · Companies that pass the Buffett method · Companies that pass the Lynch method · Stocks that pass Graham's defensive investor test today · Investment Academy — learn to analyze stocks