Neptune Insurance Holdings Inc.
NP · Price history
Price at last available close
$29.47
+$1.67 (+6.01%) 1M
2026-10-27
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Company & revenue
About Neptune Insurance Holdings Inc.
Primary reporting period: 2025-12-31 · Research updated Oct 12, 2026. A research update is not a new financial filing.
Who they are
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. At its core, Neptune leverages advanced artificial intelligence and machine learning platforms, notably their "Triton" system for underwriting and "Poseidon" for policy management.
How they make money
Neptune Insurance Holdings Inc. operates as a technology-driven managing general agent that earns revenue primarily through commissions from the sale of residential and commercial insurance policies. The company does not retain underwriting risk or handle claims, instead placing policies with a panel of insurance and reinsurance capacity providers.
Products & services
Primary flood insurance, excess flood insurance, and parametric earthquake insurance.
Brands & revenue mix
The primary brand under which the company conducts its insurance agency business.
Separate brand revenue is not available in this research.Source
Revenue share is not unit sales or a best-seller ranking. Parent brands and included sub-brands can overlap; do not add overlapping rows.
Product / operating segments
Geographic revenue
No reconciled geographic revenue breakdown was confirmed for the current research period.
Customer concentration
The company relies on a nationwide network of agency and broker partnerships, which drove over 96.7% of policies in force as of December 31, 2025.
Suppliers, materials & equipment
- Insurance and reinsurance capacity providers — The company contracts with 8 distinct insurance programs supported by 32 reinsurance providers to provide underwriting capacity for the policies sold.Source
Strengths
Wall Street Score
Overall investment score · Quality, value, risk and opportunity
41
Weak
View category scores →
Company Quality
How good is the actual business—regardless of today’s stock price?
26
Poor
Financial Strength
27
Business Quality / Moat
0
Management
50
Growth Quality
27
Risk / Durability
36
Uses financial strength, moat, management, growth quality and durability. It excludes share price, P/E, market cap, intrinsic value and margin of safety.
Opportunity
Opportunity Score · How does the current price compare with estimated value?
76
Fair
Based on current valuation, company quality, recent trends, and available market signals.
View score details →
Model Outlook
12-month model · What does the model think happens next?
68/100
Building Historical Record
Model Score 68/100 — estimates relative performance potential, distinct from the overall Wall Street Score and the separate Company Quality score.
Probability unavailable — the model has not produced a calibrated probability yet.
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WSS View
The quick read
The overall Wall Street Score is low across its combined quality, valuation and risk inputs. This can reflect an expensive share price, business weaknesses, or both; check Company Quality and the category breakdown before drawing a conclusion.
At today’s price, the WSS valuation framework currently reads as relatively attractive.
The model outlook is currently moderate.
- •Valuation scores attractively
- •Material dilution — approximately 1380.0% share-count growth
- •Revenue fundamentals are weak
- •Debt / balance-sheet profile needs attention
Company-specific research
Questions worth answering for NP
These questions are generated from this company's current financial and score data so the page adds context instead of treating the headline score as a stand-alone conclusion.
- •What is driving NP's revenue decline, and does the latest company filing suggest the weakness is temporary or structural?
- •Is NP's positive free cash flow repeatable, or is the current level being helped by temporary working-capital or spending changes?
- •Is NP's debt load manageable relative to cash generation, interest costs and upcoming maturities?
- •Is NP's valuation discount tied to a temporary concern or to a longer-term business risk?
Essential Investment Snapshot
Wall Street Score
41
Opportunity Score
76
Market Cap
$2.76B
P/E Ratio
19.4
EPS
$1.42
52-Week High
$35.15
52-Week Low
$14.78
Beta
-0.18
Intrinsic Value
$54.84
Analyst Target
$35.00
Shares Outstanding
138.2M
Total Revenue
$137.4M
Total Debt
$240.0M
Dividend
No current dividend
Liquidation Value / Share
$-1.61
Momentum & Volatility Signals
Two different market-behavior signals. Momentum measures direction and trend strength. Volatility measures how large and unstable the price moves are, regardless of direction.
Neutral / mixed momentum
Low movement
A high momentum score means price has been trending upward with confirming short- and medium-term strength. A low score means downward or weakening momentum.
A high volatility score means larger, less stable price swings. It can happen while a stock is rising or falling, so high volatility is not automatically bullish or bearish.
Important: the volatility score above is based on realized price volatility. Implied volatility (IV) comes from options prices and represents the market's expected future movement. Wall Street Score will keep IV separate and will only display it when a verified options-chain feed is available.
Notices for NP
Detected from reported data — verify before acting.Material dilution — approximately 1380.0% share-count growth
Diluted shares outstanding grew ~1380.0% year-over-year. Substantial dilution reduces per-share value and can signal financing stress. Wall Street Score is capped.
Dividend history reported
Dividend payments are recorded. Review the dates and regular/special classification below; past payments do not guarantee future dividends.
Community Sentiment
0 active · 0 total callsNo personal call yet on NP.
Potential upside factors
- +Growth opportunities may come from revenue expansion, margin improvement, new products, market-share gains, and stronger cash flow.
- +AI-powered underwriting platform.
- +Nationwide network of agency distribution partners.
- +Positive free cash flow may provide capacity to invest in growth.
Potential downside factors
- −Key risks may include competition, margin pressure, debt levels, valuation risk, and changes in demand within the Insurance - Brokers industry.
- −Dependence on third-party insurance and reinsurance capacity providers.
- −Reliance on agency and broker distribution channels.
These research factors come from saved company research and financial data, not community votes. They are starting points to verify against filings, not buy or sell recommendations.
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Scores
Click any score for full breakdownWas this stock page easy to understand?
One click helps us improve the research experience. This is not tied to an investment decision.
Score Changes
3 historical score records availablePrevious Score
41
Oct 1, 2026
Change
Unchanged
Current Score
41
Oct 8, 2026
Category Changes
NP score was unchanged.
Projected Score
Projected Score
51
Projected Change
+10.4 points
Preliminary comparable-period financial changes suggest improvement of approximately 10.4 points. This is a projected estimate, not the official WallStreetScore.
Price vs. Value
UndervaluedCurrent Price
$29.47
Model Intrinsic Value
$54.84
Difference
−$25.37
-46.3% vs IV
Margin of Safety
46.3%
Financial Charts
Revenue
Additional Metrics
Operating Cash Flow
Total Debt
Total Assets
Net Margin %
Free includes 3 annual periods plus available TTM; Premium includes up to 10 annual periods. History depends on available company filings. Swipe the table horizontally to see older periods. A dash means unavailable, not zero.
| Line Item | TTM | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| Revenue | $137.4M | $159.6M | $119.3M | $84.9M |
| Cost of Revenue | $45.2M | $56.5M | $40.1M | $30.4M |
| Gross Profit | $92.3M | $103.1M | $79.2M | $54.5M |
| Research & Development | $0.00 | $0.00 | $0.00 | $0.00 |
| SG&A Expenses | $2.1M | $10.0M | $7.8M | $6.9M |
| Operating Expenses | $17.9M | $23.2M | $10.8M | $9.1M |
| EBITDA | $83.6M | $75.6M | $66.9M | $47.4M |
| Operating Income | $74.4M | $79.9M | $68.4M | $45.4M |
| Interest Expense | $17.1M | $18.2M | $17.5M | $21.3M |
| Income Before Tax | $57.8M | $53.6M | $46.4M | $23.9M |
| Income Tax Expense | $18.8M | $16.2M | $11.8M | $6.0M |
| Net Income | $39.0M | $37.4M | $34.6M | $17.9M |
| Basic EPS | $1.42 | $0.27 | $1.58 | $1.04 |
| Basic Shares | 138M | 138M | 9.34M | 9.35M |
| Diluted Shares | 146M | 138M | 9.34M | 9.35M |
Earnings Summary
Revenue
$55.9M
Estimate unavailable.
Revenue Beat/Miss
Not available (no estimate stored)
EPS
$0.11
Estimate unavailable.
EPS Beat/Miss
Not available (no estimate stored)
Debt Change
-17.9%
Cash Change
+515.9%
Margin Change
+0.7 pp
Debt and cash show percentage changes versus the comparison period; margin shows the change in percentage points (pp). These are company-wide changes, not per-share amounts.
Financial Changes Since Prior Period
What Improved
- Margins expanded
- Cash position grew
- Debt reduced
Potential Score Impact
Positive indicators included revenue growth, EPS growth, cash levels, debt levels. These factors may support or pressure the Revenue, Management, Financial, and Debt categories; this summary does not claim that the stored scores changed.
Stored Earnings Analysis
Revenue increased 32.8%. EPS increased 30.6%. Cash increased 515.9%. Total debt declined 17.9%. Net income margin improved by 0.7 percentage points.
Earnings-Call Transcript
Earnings-call transcript analysis is not currently available.
These results may influence future scores when the next evaluation is completed.
Insider Activity
Guru / Smart Money
Guru Score
40
Smart Money
40
Number of Gurus
1
Total Guru Value
Avg Portfolio Weight
Largest Holder
Largest Holder %
New Positions
Increased Positions
Reduced Positions
Exited Positions
Net Guru Sentiment
Short Interest
Dividend History
Log in to view dividend history.
Conservative Projected Values
3 Years
$———.——
5 Years
$———.——
10 Years
$———.——
Conservative Projection Rate
——%
Conservative Projected Values — price projections derived from actual 10-year adjusted historical returns, conservatively adjusted and capped at 8% annually. These are distinct from the Outperformance Model Score and WallStreetScore.
Conservative Projected Values
Premium unlocks the 3-year, 5-year, and 10-year conservative projected values with full calculation breakdowns based on actual historical returns.
Start 7-Day Free TrialHistorical Outperformance Record
Premium includes stored forecasts and any available evaluated results. Completed results, win rates and calibrated probabilities are shown only when supported records exist; access does not create historical outcomes.
Start 7-Day Free TrialHistorical Trends
3 historical recordsHistorical Score Chart
3 of 3 records shownWall Street Score
Debt Score
Revenue Score
Asset Score
Capital Score
Management Score
Moat Score
Valuation Score
Buffett Score
Intrinsic Value
Value Reference
Margin of Safety %
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Rumor Mill · NP
Corporate developments & opportunities
No reviewed developments match this filter.
Evidence credibility is not a forecast of stock performance. Rumor Mill is separate from the WSS score.
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