NP
Neptune Insurance Holdings Inc.
NYSE: NP · FINANCIAL SERVICES · INSURANCE BROKERS
$31.60
+1.48% today
Updated 2026-09-11
Market cap
$4.56B
P/E ratio
158.24
P/S ratio
25.08x
EPS (TTM)
$0.21
Dividend yield
—
52W range
$15 – $35
Volume
0.6M
WallStSmart proprietary scores
51
out of 100
Grade: C
Hold
Investment rating
8.0
Growth
A4.5
Quality
C8.0
Profitability
A4.0
Valuation
C2/9
Piotroski F-Score
Weak
-5.0
Altman Z-Score
Distress
—
Industry rank
—
View all highly rated stocks (75+) →251 stocks currently score above 75
Price targets
Analyst target
$34.54
+9.30%
12-Month target
—
—
Intrinsic (DCF)
—
Margin of safety
—
2 Strong Buy5 Buy6 Hold0 Sell0 Strong Sell
Price chart
Stock snapshot
Strengths
+ Profit margin 21.40% — above average
+ Free cash flow $26.47M — positive
+ Revenue growth 32.80% QoQ
+ Debt/equity -1.08x — low leverage
Risks
- Piotroski 2/9 — weak financial health
- Altman Z -4.96 — distress zone
- P/E 158.24x — expensive valuation
Key financials
Revenue Net Income Free Cash Flow
| Metric | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|
| Revenue | $84.87M | $119.30M | $159.55M | $181.80M |
| Net income | $17.89M | $34.59M | $37.41M | $15.80M |
| EPS | — | — | — | $0.21 |
| Free cash flow | $14.62M | $46.21M | $47.69M | $26.47M |
| Profit margin | 21.07% | 29.00% | 23.45% | 21.40% |
Peer comparison
Smart narrative
Neptune Insurance Holdings Inc. trades at $31.60. representing a P/E of 158.24x trailing earnings. Our Smart Value Score of 51/100 indicates the stock is fair. The company scores 2/9 on the Piotroski F-Score. With an Altman Z-Score of -4.96, it sits in the distress. TTM revenue stands at $181.80M. with profit margins at 21.40%.
Frequently asked questions
What is Neptune Insurance Holdings Inc.'s stock price?
Neptune Insurance Holdings Inc. (NP) trades at $31.60, on a P/E of 158.2x and a P/S of 25.1x. Those multiples show what the market is paying for each dollar of earnings and sales, which is the real starting point for judging whether the price is reasonable.
Is Neptune Insurance Holdings Inc. overvalued?
Neptune Insurance Holdings Inc. carries a Smart Value Score of 51/100 (Grade C), which we rate Hold. That score blends growth, quality, and valuation into one read.
What is the price target of Neptune Insurance Holdings Inc. (NP)?
The 12-month analyst consensus target is $34.54, about 9.3% above the current $31.60. A consensus target is the average of Wall Street's 12-month forecasts, so it works as a sentiment gauge rather than a guarantee, and it resets with every earnings cycle.
What is Neptune Insurance Holdings Inc.'s revenue?
Neptune Insurance Holdings Inc.'s trailing twelve-month revenue is $181.80M. Revenue scale anchors the valuation multiples and shows whether growth is reaching the top line, so it is best read alongside margin and growth trends to see if that revenue is getting more profitable over time.
Altman Z-Score?
Neptune Insurance Holdings Inc.'s Altman Z-Score is -4.96, which places it in the distress. The Altman Z-Score gauges bankruptcy risk from profitability, leverage, and asset efficiency, and a higher reading points to lower financial distress risk.
Company info
SectorFINANCIAL SERVICES
IndustryINSURANCE BROKERS
CountryUSA
ExchangeNYSE
CurrencyUSD
Quick metrics
P/S ratio25.08x
ROE—
Beta—
50D MA$32.04
200D MA$26.96
Shares out0.09B
Float0.04B
Short ratio—
Avg volume0.6M
Performance
1 week—
1 month—
3 months—
YTD—
1 year—
3 years—
5 years—