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NP

BEARISH
$25.13 Live
Neptune Insurance Holdings Inc. · NYSE
Target $28.83 (+14.7%)
$14.78 52W Range $33.23

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated May 01, 2026
Market cap
$3.48B
P/E
N/A
ROE
N/A
Profit margin
20.7%
Debt/Equity
N/A
Dividend yield
N/A

AI Analysis

AI-powered fundamental assessment

Confidence
85%
The deterministic health profile is critical, highlighted by a Piotroski F-Score of 1/9, indicating severe financial weakness. While revenue growth remains strong at 28.8%, the company exhibits a catastrophic Price/Book ratio of -16.29, suggesting negative shareholders' equity. Liquidity is precarious with a Quick Ratio of 0.21, and a sharp Q/Q earnings decline of 26.1% contradicts the bullish analyst consensus. The stock is fundamentally overvalued on a Price/Sales basis (20.69x) and lacks any deterministic value floor.

Key Strengths

Strong YoY Revenue Growth (28.80%)
Healthy Operating Margin (35.56%)
Robust Gross Margin (59.18%)
Positive Analyst Consensus (Buy rating from 12 analysts)
Consistent organic revenue growth without reliance on acquisitions

Key Risks

Severe financial instability indicated by Piotroski F-Score of 1/9
Negative Price/Book ratio suggesting negative equity
Critical liquidity risk with a Quick Ratio of 0.21
Significant divergence between revenue growth and Q/Q earnings growth (-26.10%)
Extreme valuation premium (Price/Sales of 20.69)

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
20
Weak
Value
10
Future
55
Past
30
Health
5
Dividend
0
AI Verdict
High Risk / Speculative
Key drivers: Piotroski F-Score 1/9, Negative Book Value, Poor Liquidity, Extreme P/S Ratio
Confidence
90%
Value
10/100

No Graham Number available due to negative equity/earnings instability.

Positives
No standout positives identified.
Watchpoints
  • P/S of 20.69 is excessive
  • Forward P/E of 39.18 is high for the sector
  • Negative P/B ratio
Future
55/100

Growth is driven by revenue, but profitability is volatile.

Positives
  • Strong top-line revenue growth
  • Positive analyst target price ($28.83)
Watchpoints
  • Negative Q/Q earnings growth
  • Earnings not scaling with revenue
Past
30/100

Price performance is stagnant to bearish over short-term horizons.

Positives
  • Positive 1Y change (+1.3%)
Watchpoints
  • Technical trend is 0/100 (Bearish)
  • Recent 1W change is -7.5%
Health
5/100

Deterministic health scores indicate a high risk of financial distress.

Positives
  • Current ratio slightly above 1.0
Watchpoints
  • Piotroski F-Score 1/9
  • Quick Ratio 0.21
  • Negative Price/Book
Dividend
0/100

Non-dividend paying growth/distressed stock.

Positives
No standout positives identified.
Watchpoints
  • No dividend paid
  • 0/100 dividend strength

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$25.13
Analyst Target
$28.83
Upside/Downside
+14.7%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for NP and closest competitors.

Updated 2026-04-30
NP
Neptune Insurance Holdings Inc.
Primary
5Y
+1.3%
3Y
+1.3%
1Y
+1.3%
6M
-5.1%
1M
+3.9%
1W
-7.5%
CNS
Cohen & Steers, Inc.
Peer
5Y
+17.7%
3Y
+24.6%
1Y
-8.7%
6M
-3.2%
1M
+9.4%
1W
+1.6%
GNW
Genworth Financial, Inc.
Peer
5Y
+102.3%
3Y
+53.2%
1Y
+30.9%
6M
+5.7%
1M
+11.4%
1W
+0.6%
PLM
Palomar Holdings, Inc.
Peer
5Y
+83.5%
3Y
+144.7%
1Y
-12.7%
6M
+16.7%
1M
+10.4%
1W
-1.7%
NEA
Nuveen AMT-Free Quality Municipal Income Fund
Peer
5Y
+1.7%
3Y
+26.0%
1Y
+13.5%
6M
+3.3%
1M
+2.7%
1W
-0.3%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

P/E Ratio
N/A
Forward P/E
39.18
PEG Ratio
N/A
P/B Ratio
-16.29
P/S Ratio
20.69
EV/Revenue
21.98
EV/EBITDA
47.81
Market Cap
$3.48B

Profitability

Profit margins and return metrics

Profit Margin 20.73%
Operating Margin 35.56%
Gross Margin 59.18%
ROE N/A
ROA N/A

Growth

Revenue and earnings growth rates

Revenue Growth +28.8%
Earnings Growth +3.1%
Q/Q Revenue Growth +28.76%
Q/Q Earnings Growth -26.1%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
N/A
Current Ratio
1.01
Good
Quick Ratio
0.21
Poor
Cash/Share
$0.08

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q1 2026

Revenue
$0.0B
Gross Margin
47.7%
Op. Margin
35.6%
Net Margin
19.4%
Total Assets
$0.1B
Liabilities
$0.3B
Equity
$-0.2B
Debt/Equity
-1.40x
Operating CF
$0.0B
CapEx
$-0.0B
Free Cash Flow
$0.0B
FCF Yield
93%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-07-22
$N/A
2026-04-22
$0.09
-6.4% surprise
2026-02-18
$0.1
+1.4% surprise
2025-11-12
$0.11
+4.2% surprise

Financial Services Sector Comparison

Comparing NP against 956 companies in the Financial Services sector (153 bullish, 417 neutral, 386 bearish)
Profit Margin
20.73%
This Stock
vs
89.71%
Sector Avg
-76.9% (Weaker)
Revenue Growth
28.8%
This Stock
vs
33.39%
Sector Avg
-13.8% (Slower)
Current Ratio
1.01
This Stock
vs
2.99
Sector Avg
-66.2% (Weaker)

Similar Companies

Peer comparison within the same industry

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

BURGESS TREVOR R
Chief Executive Officer
Buy
2026-03-13
50,000 shares · $935,345
VOSTRIZANSKY MICHAEL WARREN
Director
Buy
2026-02-20
23,000 shares · $494,415
Insider transactions can signal confidence or concerns about company prospects

SEC Filings

Recent regulatory filings from the SEC EDGAR database

10-Q
10-Q
2026-04-29

NP submitted its quarterly 10-Q filing on April 29, 2026. While the filing includes a section for risk factors under Item 1A, specific financial highlights and detailed risk descriptions were not provided in the available excerpts.

8-K
8-K
2026-04-22

NP filed an 8-K on April 22, 2026, likely to announce its first-quarter financial results.

DEF 14A
DEF 14A
2026-04-17

NP filed a Definitive Proxy Statement on April 17, 2026, providing shareholders with information and voting materials for its upcoming annual meeting.

10-K
10-K
2026-02-26

Neptune tracks profitability and growth through key performance indicators including Adjusted EBITDA per employee, premium in force, and policy retention rates. Total revenue growth currently aligns with organic revenue growth as the company has not completed any acquisitions or divestitures. Specific risk factors were not detailed in the provided excerpts.

8-K
8-K
2026-02-18

NP filed an 8-K on February 18, 2026, likely to announce its fourth-quarter and full-year financial results.

10-Q
QUARTERLY REPORT
2025-11-12

NP filed its 10-Q quarterly report on November 12, 2025. The filing includes a section on risk factors under Item 1A, although specific financial highlights and detailed risk descriptions were not provided in the available excerpt.

8-K
CURRENT REPORT
2025-11-12

NP filed a current report on November 12, 2025, likely announcing its third-quarter financial results.

8-K
CURRENT REPORT
2025-10-07
S-1/A
REGISTRATION STATEMENT
2025-09-26

NP filed an amended registration statement (Form S-1/A) on September 26, 2025, in connection with its proposed initial public offering.

S-1/A
REGISTRATION STATEMENT
2025-09-22

NP filed an amended registration statement (Form S-1/A) on September 22, 2025, as part of its process to register securities for a public offering.

S-1
REGISTRATION STATEMENT
2025-09-03
Data sourced from SEC EDGAR. AI summaries generated automatically.

Wall Street Analysts

Professional analyst ratings and price targets

Consensus
BUY
12 analysts
Keefe, Bruyette & Woods
2026-04-23
Maintains
Outperform Outperform
Evercore ISI Group
2026-04-23
Maintains
Outperform Outperform
B of A Securities
2026-04-14
Maintains
Neutral Neutral
Mizuho
2026-04-13
Maintains
Neutral Neutral
Keefe, Bruyette & Woods
2026-04-07
Maintains
Outperform Outperform
Morgan Stanley
2026-03-05
Maintains
Equal-Weight Equal-Weight
Mizuho
2026-02-25
up
Underperform Neutral
Keefe, Bruyette & Woods
2026-02-19
up
Market Perform Outperform
Piper Sandler
2026-02-19
Maintains
Overweight Overweight
Evercore ISI Group
2026-02-19
Maintains
Outperform Outperform

Past News Coverage

Recent headlines mentioning NP from our newsroom.

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