NP Neptune Insurance Holdings Inc.

QT50

NYSE·Financial Services·Insurance - Brokers·USA

Latest market price

29.23

-0.13-0.43%

Overview Short InterestFilings

NPQT50Neptune Insurance Holdings Inc.·NYSE

Overview Short InterestFilings

29.23-0.43%

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Signal & projected range

QT Score downgradeHistorical pattern — not a prediction

Range still being built for this setupWe don’t yet have a frozen historical track record for qt score downgrade to describe a reliable spread of outcomes. The projected range appears once its backtest is established.

Ranges describe how this exact setup resolved in the past — derived from thousands of historical occurrences across QuoTrend’s coverage since 2006, survivorship-corrected to include companies that later delisted. The band is the typical spread (±1σ) of those outcomes, not a forecast; the central value is their average move. Fewer matching cases over longer horizons widen the band and lower its reliability. Backtested results are hypothetical, based on historical data, and do not represent actual trading. Past performance does not guarantee or predict future results. QuoTrend is an educational research tool, not investment advice. Markets involve risk, including loss of principal.

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LIFE+3.24%$44.00 BWIN+0.14%$31.96 CRVL+0.56%$83.70 RYAN+0.59%$45.75 GSHD-1.86%$50.40 CRD-A-0.72%$12.35 WDH-1.49%$0.99 BRO-1.60%$70.73

Snapshot

Index	—	P/E	94.71	EPS (ttm)	0.31	Insider Own	—	Shs Outstand	94.74M	Perf Week	3.49%

Market Cap	2.78B	Forward P/E	43.21	EPS next Y	0.68	Insider Trans	-19.41%	Shs Float	22.43M	Perf Month	7.04%

Enterprise Value	2.92B	PEG	5.43	EPS next Q	0.14			Short Float	10.35%	Perf Quarter	-7.93%

Income	44.00M	P/S	14.05	EPS this Y	45.53%			Short Ratio	4.08	Perf Half Y	20.03%

Sales	198.00M	P/B	—	EPS next Y	22.29%	ROA	43.05%	Short Interest	2.32M	Perf YTD	0.69%

Book/sh	-2.24	P/C	35.66	EPS next 5Y	17.45%	ROE	—	52W High	35.15 -16.83%	Perf Year	10.83%

Cash/sh	0.82	P/FCF	32.72	EPS past 3/5Y	—	ROIC	52.41%	52W Low	14.78 97.80%	Perf 3Y	—

Dividend Est.	—	EV/EBITDA	33.55	Sales past 3/5Y	—	Gross Margin	69.15%	Volatility	3.99% 3.72%	Perf 5Y	—

Dividend TTM	—	EV/Sales	14.74	EPS Y/Y TTM	—	Oper. Margin	41.45%	ATR (14)	1.17	Perf 10Y	—

Dividend Ex-Date	May 12, 2022	Quick Ratio	—	Sales Y/Y TTM	—	Profit Margin	22.71%	RSI (14)	52.91	Recom	2.50

Dividend Gr. 3/5Y	-19.19% -8.48%	Current Ratio	—	EPS Q/Q	54.55%	SMA20	1.83%	Beta	0.12	Target Price	34.57

Payout	0.00%	Debt/Eq	—	Sales Q/Q	—	SMA50	-1.77%	Rel Volume	1.24	Prev Close	29.36

Employees	62	LT Debt/Eq	—	Earnings	Feb 17	SMA200	6.85%	Avg Volume	510.80K	Price	29.23

IPO Date	Oct 01, 2025	Option/Short	Yes / Yes	EPS/Sales Surpr.	7.11% 5.27%	Net Debt/EBITDA	1.57	Volume	633,797	Change	-0.43%

Analyst Ratings

Date	Action	Analyst	Rating	Target
Oct-22-26	Reiterated	Morgan Stanley	Overweight	$36 → $35
Oct-21-26	Reiterated	Mizuho	Neutral	$31 → $33
Oct-12-26	Reiterated	Wells Fargo	Overweight	$35 → $34
Oct-07-26	Reiterated	Mizuho	Neutral	$26 → $31
Aug-19-26	Upgrade	Morgan Stanley	Equal Weight → Overweight	$31 → $36
Jul-30-26	Downgrade	BMO Capital	Outperform → Market Perform	$20 → $32
Jul-23-26	Reiterated	Morgan Stanley	Equal Weight	$29 → $31
Jul-22-26	Reiterated	Deutsche Bank	Buy	$31 → $33
Jul-22-26	Reiterated	Evercore ISI Group	Outperform	$30 → $36
Jul-15-26	Reiterated	Piper Sandler	Overweight	$30 → $39

Latest News· Times ET

Oct-23-26

Oct-23-2603:06PM

Neptune Insurance Holdings Inc. 2026 Q3 - Results - Earnings Call PresentationSeekingAlpha

Oct-22-26

Oct-22-2610:51AM

Here's Why Neptune Insurance Holdings Inc. (NP) is a Strong Momentum Stockzacks.com

Oct-21-26

Oct-21-2607:31AM

Neptune Insurance: 3 Key Takeaways for Long-Term Investorsfool.com

02:24AM

Neptune Insurance Holdings Inc. (NP) Q3 2026 Earnings Call Transcriptseekingalpha.com

Oct-20-26

Oct-20-2607:01PM

Neptune Insurance Holdings Inc. (NP) Q3 Earnings: How Key Metrics Compare to Wall Street Estimateszacks.com

06:46PM

Neptune Insurance Holdings Inc. (NP) Q3 Earnings and Revenues Surpass Estimateszacks.com

05:03PM

Neptune Insurance (NYSE:NP) Posts Record Q3 2026 Revenue and Beats EstimatesChartMill

04:20PM

Neptune Insurance Holdings Inc. Reports Third Quarter 2026 Resultsbusinesswire.com

Oct-15-26

Oct-15-2611:31AM

Can Neptune Insurance Beat Q3 Earnings on Higher Policies in Force?zacks.com

Oct-13-26

Oct-13-2611:06AM

Neptune Insurance Holdings Inc. (NP) Earnings Expected to Grow: Should You Buy?zacks.com

Oct-11-26

Oct-11-2605:39AM

Neptune Insurance (NYSE:NP) Stock: Insider Matthew Paul Duffy Sells 84,441 Sharesdefenseworld.net

Oct-09-26

Oct-09-2602:27PM

Neptune Insurance Holdings to Announce Third Quarter 2026 Financial Resultsbusinesswire.com

Oct-07-26

Oct-07-2610:03AM

Mizuho Maintains Neutral on Neptune Insurance Hldgs, Lowers Price Target to $31Benzinga

Oct-01-26

Oct-01-2605:30PM

Neptune Makes Flood Insurance Ready for the AI Agent Erabusinesswire.com

Sep-30-26

Sep-30-2605:50PM

Neptune Insurance Holdings Appoints David Noble to Board of Directorsbusinesswire.com

Company

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. Distribution of these products occurs through an extensive agency network. Importantly, Neptune does not assume underwriting risk or manage claims directly; these functions are instead handled by their partnering insurance and reinsurance carriers.

Ownership

Per-holder 13F data hasn't been ingested for this ticker yet.

Financial Statements

DataTimeframe

Line Item (USD, M)	TTM —	FY 2025 12/31/2025	FY 2024 12/31/2024	FY 2023 12/31/2023
Total Revenue	198	160	119	85
Cost of Goods Sold Incl. D&A	61	56	40	30
Gross Profit	135	103	79	55
Selling, General and Administrative Excl. Other	0	10	8	7
Research and Development	0	0	0	0
Other Operating Expense	54	13	3	2
Operating Income	81	80	68	45
Interest Expense	16	18	18	21
Unusual Expense	—	—	—	—
Non-Operating Income (Expense)	0	-8	-5	0
Net Income Before Taxes	67	54	46	24
Income Taxes	22	16	12	6
Consolidated Net Income	44	37	35	18
Net Income From Continuing Operations	44	37	35	18
Net Income	44	37	35	18
EPS (Recurring)	0.32	0.27	1.58	1.04
EPS (Basic, Before Extraordinaries)	0.32	0.27	1.58	1.04
EPS (Diluted)	0.31	0.27	1.58	1.04
EBITDA	87	76	67	47
Other After Tax Adjustments	—	—	—	—
Stock Option Compensation Expense	—	—	—	—
Price To Earnings Ratio	94.31	108.00	—	—
Price To Sales Ratio	20.23	25.15	—	—
Gross Margin	68.18	64.38	66.39	64.71
Operating Margin	40.91	50.00	57.14	52.94
Net Margin	22.22	23.13	29.41	21.18
Shares Outstanding	137	138	9	9
Market Capitalization	4,005	4,024	—	—
Operating Lease Expense	—	—	—	—

Insider Trading Volume

Insider Trading

Insider	Relationship	Date	Transaction	Cost	#Shares	Value ($)	#Shares Total	SEC Form 4
Duffy Matthew Paul	President & Chief Risk Officer	Oct 08 '26	Sale	28.10	84,441	2,372,430	1,879,798	Oct 09
Duffy Matthew Paul	President & Chief Risk Officer	Oct 06 '26	Sale	27.15	41,392	1,123,967	1,964,239	Oct 07
Duffy Matthew Paul	President & Chief Risk Officer	Oct 02 '26	Sale	27.67	39,737	1,099,570	2,005,631	Oct 05
Steiner James	Chief Financial Officer	Aug 13 '26	Sale	31.71	114,024	3,615,940	3,749,050	Sep 16
Steiner James	Chief Financial Officer	Aug 12 '26	Sale	31.08	85,976	2,671,748	3,806,062	Sep 16
Carlon Jonathan Winant	Director	Sep 14 '26	Sale	31.15	50,000	1,557,595	603,500	Sep 15
BSIV Hold 101, LP	10% Owner	Jul 29 '26	Sale	33.22	1,632,160	54,220,355	12,620,558	Jul 31
FTV VII, L.P.	10% Owner	Jul 29 '26	Sale	33.22	1,867,840	62,049,645	14,442,941	Jul 31
BSIV Hold 101, LP	10% Owner	May 19 '26	Sale	26.40	688,403	18,173,839	14,252,718	May 19
FTV VII, L.P.	10% Owner	May 19 '26	Sale	26.40	787,806	20,798,078	16,310,781	May 19
FTV VII, L.P.	10% Owner	May 15 '26	Sale	26.40	5,252,044	138,653,962	17,098,587	May 19
BSIV Hold 101, LP	10% Owner	May 15 '26	Sale	26.40	4,589,351	121,158,866	14,941,121	May 19
Burgess Trevor R	CEO & Chairman of the Board	Mar 13 '26	Buy	18.71	50,000	935,345	2,082,964	Mar 13
Vostrizansky Michael Warren	Director	Feb 20 '26	Buy	21.50	23,000	494,415	23,000	Feb 24
Steiner James	CFO and Secretary	Oct 02 '25	Buy	20.00	119,050	2,381,000	4,384,715	Nov 14

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QuoTrend signals describe historical patterns and statistics — educational information, not investment advice or a recommendation to buy or sell. Past performance doesn’t guarantee future results. Every figure traces to QuoTrend data. Historical patterns — not a prediction or advice.