Stocks · Financial Services · Insurance - Brokers
Neptune Insurance Holdings Inc. NP
$27.43 +0.70% Close, Oct 2, 2026 · NYSE · Market cap $2.57B
High qualityHigh risk
Next earnings report: Nov 11, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- The diluted share count rose 5.9% in a year.
- The stock is 22% below its highest close of the past year.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 2%
- Gross marginTop 46%
- Operating marginTop 6%
- Cash conversion (OCF / net income)Top 21%
- Accruals (lower is better)Top 4%
- Net debt / EBITDA (lower is better)Bottom 42%
- Interest coverTop 21%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldBottom 41%
- Free-cash-flow yieldBottom 29%
- EBITDA / enterprise valueBottom 31%
- Sales / enterprise valueBottom 5%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 19%
- 6-month returnTop 41%
- 1-year return vs S&P 500Top 43%
- Distance from 52-week highBottom 21%
- Trend checklist (0–4)Bottom 27%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 42%
- Consecutive EPS beatsBottom 43%
- Share of analysts rating BuyTop 47%
- Upside to consensus price targetTop 29%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 14%
- Maximum drawdown, 3 yearsBottom 22%
- Beta vs S&P 500 (lower is better)Bottom 6%
- Net debt / EBITDA (lower is better)Bottom 42%
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Gross margin | 67.1% | — | Top 46% | |
| Operating margin | 54.1% | — | Top 6% | |
| Net margin | 28.4% | — | — | |
| Free-cash-flow margin | 53.1% | — | — | |
| Return on invested capital | 49.1% | — | Top 2% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.87×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -33.2%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 18.2%
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 2.03×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 4.3×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 0.00%
- Net buyback yield (TTM)
- -0.05%
- Shareholder yield
- -0.05%
- Share count change, 1 year
- +5.9%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Jul 27, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 1
- Beats in the last 8 reports
- 2 of 4
- Average EPS surprise, last 4
- +3.3%
- Average 2-day reaction, last 8
- -2.9%
- Positive 20 days after report
- 2 of 4
Analysts
- Consensus price target
- $33.86
- Target vs current price
- +23.4%
- Analysts with a rating
- 14
- Share rating Buy or Strong Buy
- 50%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 21, 2026 | +3.5% | -4.0% | -2.4% | -0.3% | — |
| Apr 22, 2026 | -0.9% | +0.8% | -4.4% | -4.1% | +11.4% |
| Feb 18, 2026 | +11.5% | -6.5% | +5.2% | +21.0% | +44.1% |
| Nov 12, 2025 | -0.7% | -1.8% | -10.3% | +5.5% | -9.1% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 21, 2026 | $0.15 | $0.14 | +3.5% | $55.9M |
| Apr 22, 2026 | $0.09 | $0.09 | -0.9% | $37.8M |
| Feb 18, 2026 | $0.11 | $0.10 | +11.5% | $43.8M |
| Nov 12, 2025 | $0.11 | $0.11 | -0.7% | $44.4M |
| Sep 3, 2025 | $0.10 | — | — | $42.1M |
| May 4, 2022 | $0.63 | $0.38 | +65.8% | $284.8M |
| Feb 16, 2022 | $0.45 | $0.54 | -16.7% | $264.3M |
| Nov 2, 2021 | $0.38 | $0.43 | -11.6% | $267.9M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 20.0× | — | — | Bottom 41% |
| P/E (forward) | 50.1× | — | — | — |
| EV / EBITDA | 33.2× | — | — | Bottom 31% |
| EV / Sales | 19.94× | — | — | Bottom 5% |
| Free-cash-flow yield | 2.84% | — | — | Bottom 29% |
| Earnings yield | 5.00% | — | — | Bottom 41% |
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- -2.5%
- 200-day average slope (20 days)
- +1.7%
- Distance from 50-day average
- -12.2%
- Distance from 200-day average
- -0.0%
- RSI (14)
- 31.3
- Relative volume
- 1.31×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 41.6%
- Beta vs S&P 500 (2 years, weekly)
- 1.57
- Correlation with S&P 500
- 0.37
- Current drawdown from 1-year high
- -21.9%
- Maximum drawdown, 3 years
- -43.8%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Dec 24, 2025 | Feb 12, 2026 | -43.8% | 33 days | 60 days (May 11, 2026) |
| Oct 3, 2025 | Nov 18, 2025 | -24.3% | 32 days | 25 days (Dec 24, 2025) |
| Jul 29, 2026 | Sep 24, 2026 | -22.8% | 40 days | Not yet recovered |
| May 11, 2026 | Jun 4, 2026 | -21.5% | 17 days | 17 days (Jun 30, 2026) |
| Jul 1, 2026 | Jul 23, 2026 | -12.3% | 15 days | 4 days (Jul 29, 2026) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $2.57B
- P/E (TTM)
- 20.0
- EPS, diluted (TTM)
- $1.37
- Revenue (TTM)
- $137.4M
- 52-week range
- $14.78 – $35.15
| FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|
| Revenue | $84.9M | $119.3M | $159.6M |
| Gross profit | $54.5M | $79.2M | $103.1M |
| Operating income | $45.4M | $68.4M | $79.9M |
| Net income | $17.9M | $34.6M | $37.4M |
| EPS (diluted) | $1.04 | $1.58 | $0.27 |
| Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|
| Revenue | $29.4M | $42.1M | $0 | $43.8M | $37.8M | $55.9M |
| Net income | $9.9M | $11.6M | $11.5M | $4.3M | $7.3M | $15.8M |
| EPS (diluted) | $0.07 | $0.08 | $1.18 | $0.03 | $0.05 | $0.11 |
| FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|
| Operating cash flow | $18.6M | $49.9M | $51.7M |
| Capital expenditure | -$4.0M | -$3.7M | -$4.0M |
| Free cash flow | $14.6M | $46.2M | $47.7M |
| Dividends paid | -$339.0M | $0 | -$175.0M |
| Net share buybacks | $0 | $0 | $15.7M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $72.0M
- Total assets
- $102.2M
- Total liabilities
- $324.5M
- Total debt
- $240.0M
- Net debt
- $168.0M
- Shareholders’ equity
- -$222.2M
As of Jun 30, 2026 (filed Jul 27, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| May 12, 2022 | $0.48 | Jun 2, 2022 |
| Feb 17, 2022 | $0.48 | Mar 2, 2022 |
| Nov 10, 2021 | $0.48 | Dec 2, 2021 |
| Aug 12, 2021 | $0.47 | Sep 2, 2021 |
| May 13, 2021 | $0.47 | Jun 2, 2021 |
| Feb 11, 2021 | $0.47 | Mar 2, 2021 |
| Nov 12, 2020 | $0.47 | Dec 2, 2020 |
| Aug 13, 2020 | $0.47 | Sep 2, 2020 |
Short interest
- Shares sold short
- 1,807,146
- Days to cover
- 4.54
- Change vs previous report
- -16.6%
FINRA short interest, settlement date Sep 15, 2026.