Investors Business Daily·5 days ago
IPO Stock Of The Week: Neptune Insurance Breaks Out Past New Buy Point Amid Volatile Market ActionInsurance leader Neptune stock breaks out above its latest buy point amid a volatile stock market environment.
Neptune Insurance Holdings Inc.(NP)Earnings, Financials & Key Ratios
NP•NYSE
$33.79
Price updated Jul 7, 2026
AboutA data-driven managing general agent for flood insurance. Sells residential and commercial flood insurance (primary & excess), and parametric earthquake insurance. Uses AI and machine learning platforms (e.g. underwriting engine "Triton", policy management "Poseidon"), distributes via agency network, and does not take balance sheet risk or handle claims themselves; rather, insurance and reinsurance carriers do.Show more
- Revenue$160M+33.7%
- EBITDA$84M+16.9%
- Net Income$37M+8.2%
- EPS (Diluted)-0.20-112.7%
- Gross Margin64.59%-2.7%
- EBITDA Margin52.39%-12.6%
- Operating Margin50.06%-12.8%
- Net Margin23.45%-19.1%
NP Price & Volume
Neptune Insurance Holdings Inc. (NP) stock price & volume — 10-year historical chart
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Scaling Revenue Growth Masks Persistent Capital Deficits
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Expanding
Profitability:Strong
Financial:Vulnerable
Cash Flow:Mixed
Primary Risk:Thin liquidity and reinsurance dependence
Key Thesis Takeaways
- Neptune Insurance Holdings demonstrates strong top-line momentum with 28.8% year-over-year revenue growth in 2026Q1, driven by the successful adoption of its data-driven underwriting engine.
- However, the company's fundamental outlook remains clouded by a deeply negative equity position of -$213.4 million and a reliance on debt financing that significantly outweighs its $85.3 million asset base.
- Investors should monitor the sustainability of its 70.0% gross margin profile against the risks posed by thin liquidity and the potential for shareholder dilution from $6.9 million in quarterly stock-based compensation.
Verdict Logic
while the company exhibits impressive 28.8% revenue growth, the combination of a -$213.4 million equity deficit and high debt-to-asset leverage warrants extreme caution regarding long-term solvency.
NP Growth Metrics
Neptune Insurance Holdings Inc. (NP) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years-
3 Years-
TTM-
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM-
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM-
Return on Capital
10 Years936.59%
5 Years936.59%
3 Years936.59%
Last Year1321.01%
NP Recent Earnings
Neptune Insurance Holdings Inc. (NP) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 7/12 qtrs (64%)●Beat Revenue 9/12 qtrs (82%)
Q2 2026Latest
Apr 22, 2026Metric
Actual
Est
EPS
$0.09+0.0%
$0.09
Rev
$38M+1.9%
$37M
Q1 2026
Feb 18, 2026Metric
Actual
Est
EPS
$0.11+11.5%
$0.10
Rev
$44M+11.0%
$39M
Q4 2025
Nov 12, 2025Metric
Actual
Est
EPS
$0.11-0.7%
$0.11
Rev
$44M+4.3%
$43M
Q4 2025
Sep 3, 2025Metric
Actual
Est
EPS
$0.10
—
Rev
$42M
—
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 22, 2026 | $0.09vs $0.09+0.0% | $38Mvs $37M+1.9% |
| Q1 2026 | Feb 18, 2026 | $0.11vs $0.10+11.5% | $44Mvs $39M+11.0% |
| Q4 2025 | Nov 12, 2025 | $0.11vs $0.11-0.7% | $44Mvs $43M+4.3% |
| Q4 2025 | Sep 3, 2025 | $0.10 | $42M |
Based on last 12 quarters of dataView full earnings history →
Latest NP News
Recent stock market news and headlines for Neptune Insurance Holdings Inc. (NP)
Business Wire·Jun 25, 2026
Neptune Raises Building Coverage Limits to $15 Million and Expands Flood Insurance Coverage OptionsST. PETERSBURG, Fla.--(BUSINESS WIRE)--Neptune Insurance Holdings, Inc. (NYSE: NP), the nation's largest private flood insurance provider, today announced a major expansion of its flood insurance product line. Neptune has increased building coverage limits to $15 million across all primary and excess flood policies while introducing new and enhanced coverages for residential, commercial, and residential condominium building association (RCBAP) policyholders. The expanded offerings are now avail.
Peers Comparison
Key metrics vs top competitors for Neptune Insurance Holdings Inc. (NP)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $33.79 | $3.21B | -168.95 | 33.74% | 23.45% | — | 3.75% | |
| $180.41 | $2.34B | 7.25 | 20.21% | 32.64% | 30.81% | — | |
| $6.32 | $3.56M | -0.01 | -22.44% | -30.33% | -27.02% | — | |
| $27.20 | $825.52M | 4.30 | 3.71% | 25.99% | 43.68% | — | |
| $251.46 | $64.73B | 6.58 | 4.64% | 18.09% | 42.74% | — | |
| $343.73 | $73.09B | 12.53 | 5.17% | 15.54% | 24.14% | — |
Compare NP vs Peers
Neptune Insurance Holdings Inc. (NP) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
NP SEC Filings & Documents
Neptune Insurance Holdings Inc. (NP) SEC filings — annual & quarterly reports (10-K, 10-Q)
8-K Announcements
6Material company update
Jun 1, 2026·SEC
Material company update
Apr 22, 2026·SEC
Material company update
Feb 18, 2026·SEC
10-K Annual Reports
310-Q Quarterly Reports
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NP Frequently Asked Questions
Neptune Insurance Holdings Inc. (NP) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
What is Neptune Insurance Holdings Inc.'s revenue?
Neptune Insurance Holdings Inc. (NP) reported $123.6M in revenue for fiscal year 2025. This represents a 46% increase from $84.9M in 2023.
How fast is Neptune Insurance Holdings Inc. growing?
Neptune Insurance Holdings Inc. (NP) grew revenue by 33.7% over the past year. This is strong growth.
Is NP profitable?
Yes, Neptune Insurance Holdings Inc. (NP) is profitable, generating $34.8M in net income for fiscal year 2025 (23.4% net margin).
Dividend & Returns
Does NP pay dividends?
Yes, Neptune Insurance Holdings Inc. (NP) pays a dividend with a yield of 3.75%. This makes it attractive for income-focused investors.
What is Neptune Insurance Holdings Inc.'s free cash flow?
Neptune Insurance Holdings Inc. (NP) generated $55.8M in free cash flow for fiscal year 2025. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.