NP

Neptune Insurance Holdings Inc

28.80

Oct 30 • 6:43 AM ET -0.01 (-0.03%)

Financial Insurance Brokers USA Mid NYSE

Peers: ARX RYAN BWIN PLMR BRO GSHD TWFG KNSL HCI UVE

| Held by: VTI IWM VB VBK VXF IWN VTWO SCHA IWO VFH

Index	RUT
Market Cap	3.98B
Enterprise Value	4.12B
Income	44.71M
Sales	197.00M
Book/sh	-1.53
Cash/sh	0.56
Dividend Est.	-
Dividend TTM	-
Dividend Ex-Date	-
Dividend Gr. 3/5Y	- -
Payout	-
Employees	62
IPO	Oct 01, 2025

P/E	93.66
Forward P/E	42.39
PEG	1.68
P/S	20.20
P/B	-
P/C	51.06
P/FCF	48.50
EV/EBITDA	48.00
EV/Sales	20.90
Quick Ratio	0.91
Current Ratio	0.91
Debt/Eq	-
LT Debt/Eq	-
Option/Short	Yes / Yes

EPS (ttm)	0.31
EPS next Y	0.68
EPS next Q	0.15
EPS this Y	35.50%
EPS next Y	22.29%
EPS next 5Y	25.22%
EPS past 3/5Y	- -
Sales past 3/5Y	37.11% -
EPS Y/Y TTM	16.46%
Sales Y/Y TTM	33.75%
EPS Q/Q	196.23%
Sales Q/Q	34.27%
Earnings	Oct 20 AMC
EPS/Sales Surpr.	7.12% 5.27%

Insider Own	73.10%
Insider Trans	-13.03%
Inst Own	26.48%
Inst Trans	36.09%
ROA	46.23%
ROE	-
ROIC	1314.84%
Gross Margin	68.12%
Oper. Margin	41.51%
Profit Margin	22.70%
SMA20	0.34%
SMA50	-3.88%
SMA200	4.89%
Trades

Shs Outstand	94.73M
Shs Float	37.17M
Short Float	6.25%
Short Ratio	4.27
Short Interest	2.32M
52W High	35.15 -18.07%
52W Low	14.78 94.86%
Volatility	4.31% 4.01%
ATR (14)	1.15
RSI (14)	48.14
Beta	0.02
Rel Volume	0.14
Avg Volume	544.08K
Volume	3,820

Perf Week	1.27%
Perf Month	5.73%
Perf Quarter	-8.95%
Perf Half Y	16.08%
Perf YTD	-1.23%
Perf Year	8.72%
Perf 3Y	-
Perf 5Y	-
Perf 10Y	-
Recom	1.93
Target Price	34.27
Prev Close	28.81
Price	28.80
Change %	-0.03%

Consensus

Buy

Avg. Price Target

$34.27

Implied Upside

+19.0%

Analysts13incl. previous ratings

Rating Distribution8 Buy · 5 Hold · 0 Sell

Date	Action	Analyst	Rating Change	Price Target Change	Implied Upside
Aug 19, 2026	Upgrade	MMorgan Stanley	Equal-Weight → Overweight	$36	+25.0%
Jul 30, 2026	Downgrade	BBMO Capital Markets	Outperform → Market Perform	$32	+11.1%
Jul 08, 2026	Downgrade	KKeefe Bruyette	Outperform → Mkt Perform	$34	+18.1%
Jun 30, 2026	Initiated	WWells Fargo	Overweight	$35	+21.5%
Feb 25, 2026	Upgrade	MMizuho	Underperform → Neutral	$24	-16.7%
Feb 20, 2026	Upgrade	BBofA Securities	Underperform → Neutral	$23	-20.1%
Feb 19, 2026	Upgrade	KKeefe Bruyette	Mkt Perform → Outperform	$25	-13.2%
Feb 13, 2026	Upgrade	BBMO Capital Markets	Market Perform → Outperform	$20	-30.6%
Oct 27, 2025	Initiated	TTD Cowen	Buy	$32	+11.1%
Oct 27, 2025	Initiated	RRaymond James	Outperform	$30	+4.2%
Oct 27, 2025	Initiated	PPiper Sandler	Overweight	$33	+14.6%
Oct 27, 2025	Initiated	MMorgan Stanley	Equal-Weight	$26	-9.7%
Oct 27, 2025	Initiated	MMizuho	Underperform	$23	-20.1%
Oct 27, 2025	Initiated	KKeefe Bruyette	Mkt Perform	$26	-9.7%
Oct 27, 2025	Initiated	JJP Morgan	Neutral	$25	-13.2%
Oct 27, 2025	Initiated	GGoldman	Buy	$30	+4.2%
Oct 27, 2025	Initiated	EEvercore ISI	Outperform	$35	+21.5%
Oct 27, 2025	Initiated	DDeutsche Bank	Buy	$29	+0.7%
Oct 27, 2025	Initiated	BBofA Securities	Underperform	$21	-27.1%
Oct 27, 2025	Initiated	BBMO Capital Markets	Market Perform	$25	-13.2%

Oct-20-26 06:39PM	Neptune Beats And Raises Again, But A 17% Growth Outlook For 2027 Shifts The Debate To Durability (Earnings Whispers)
04:20PM	Neptune Insurance Holdings Inc. Reports Third Quarter 2026 Results (Business Wire)
Oct-09-26 02:27PM	Neptune Insurance Holdings to Announce Third Quarter 2026 Financial Results (Business Wire)
Oct-01-26 05:30PM	Neptune Makes Flood Insurance Ready for the AI Agent Era (Business Wire)
Sep-30-26 05:50PM	Neptune Insurance Holdings Appoints David Noble to Board of Directors (Business Wire)
03:32PM	Loading…
Sep-09-26 03:32PM	$2.6 Billion in NFIP Subsidies Remain Five Years into Risk Rating 2.0, Neptune Flood Research Group Analysis of FEMA Data Shows (Business Wire)
Aug-06-26 08:28AM	Neptune Flood Research Group Examines a Decade of Storms, Warns 2025's Quiet Hurricane Season Isn't a Trend (Business Wire)
Jul-22-26 05:01PM	Neptune Insurance Holdings Inc (NP) Q2 2026 Earnings Call Highlights: Record Revenue and ... (GuruFocus.com)
Jul-21-26 04:22PM	Neptune Insurance Holdings Inc. Reports Second Quarter 2026 Results (Business Wire)
Jul-10-26 04:15PM	Neptune Insurance Holdings to Announce Second Quarter 2026 Financial Results (Business Wire)
Jul-02-26 01:50PM	IPO Stock Of The Week: Neptune Insurance Breaks Out Past New Buy Point Amid Volatile Market Action (Investor's Business Daily)
Jun-25-26 04:10PM	Neptune Raises Building Coverage Limits to $15 Million and Expands Flood Insurance Coverage Options (Business Wire) -5.35% +9.22%
May-21-26 04:15PM	Neptune Launches Atlas+, an AI-Powered Platform Experience Designed to Turn Insurance Agents into Super Agents (Business Wire)
May-19-26 05:48PM	Neptune Insurance Holdings Inc. Announces Full Exercise of Underwriters' Option to Purchase Additional Shares of Class A Common Stock (Business Wire)
May-13-26 09:24PM	Neptune Insurance Holdings Inc. Announces Pricing of Public Offering (Business Wire)
04:46PM	Loading…
May-11-26 04:46PM	Neptune Insurance Holdings Inc. Announces Launch of Public Offering and Concurrent Share Repurchase (Business Wire) -6.98%
May-07-26 01:27PM	Neptune Flood Prepared to Help Strengthen National Flood Resilience as FEMA Review Council Urges Growth of the Private Market (Business Wire) +21.98%
May-06-26 04:35PM	Neptune Flood Surpasses 300,000 Policies in Force and $400 Million in Premium, Expanding Access to Modern Flood Protection Nationwide (Business Wire)
Apr-22-26 04:33PM	Neptune Insurance Holdings Inc. Reports First Quarter 2026 Results (Business Wire)
Apr-13-26 04:59PM	Neptune Insurance Holdings to Announce First Quarter 2026 Financial Results (Business Wire)
01:47PM	Neptune Flood Research Group Reveals Californias Hidden Flood Crisis: Only 1.4% of Properties Insured, with 2.3 Million at Risk (Business Wire)
Mar-12-26 08:52AM	Neptune Flood Launches App in ChatGPT, Expanding Access to Preliminary Flood Insurance Quotes (Business Wire)
Mar-04-26 12:50PM	Neptune Flood Research Group Analyzes Impact of FEMA's Proposed 2026 Harris County, Texas, Flood Map Update (Business Wire)
Feb-21-26 09:36PM	Evercore ISI Reduces its Price Target on Neptune Insurance Holdings Inc. (NP) to $30 and Maintains an Outperform Rating (Insider Monkey)
Feb-19-26 09:30AM	Neptune Insurance Holdings Inc. (NP) Q4 Earnings: Taking a Look at Key Metrics Versus Estimates (Zacks) +12.74%
Feb-18-26 04:33PM	Neptune Insurance Holdings Inc. Reports Fourth Quarter and Full Year 2025 Results (Business Wire) -6.50%
Feb-12-26 05:49PM	Neptune Insurance Holdings to Announce Fourth Quarter 2025 Financial Results (Business Wire) -10.87% +10.21%
Feb-09-26 09:19AM	What Makes Neptune Insurance Holdings (NP) an Investment Choice? (Insider Monkey)
Jan-02-26 02:05PM	IPO Stock Of The Week: AI Stock Neptune Insurance Poised To Hit First Buy Point (Investor's Business Daily)
Nov-29-25 12:52PM	Jim Cramer on Neptune Insurance: "I Am Intrigued By This" (Insider Monkey)
04:15PM	Loading…
Nov-12-25 04:15PM	Neptune Insurance Holdings Inc. Reports Third Quarter 2025 Results (Business Wire)
06:04AM	2 New IPO Stocks Hit the Market; Bank of America Picks the Superior One to Buy (TipRanks)
Nov-04-25 04:05PM	Neptune Insurance Holdings to Announce Third Quarter 2025 Financial Results (PR Newswire)
Oct-20-25 07:30PM	Rare Earth Boom: Defense Heavyweight Joins Critical Mineral Effort (Oilprice.com)
Oct-13-25 05:30AM	The Former Banker Betting on Unprofitable Business of Flood Insurance (The Wall Street Journal) +7.14%
Oct-09-25 02:24PM	Shutdown Cuts Off Flood Insurance Program During Storm Season (Bloomberg)
Oct-02-25 03:47AM	Neptune Insurance (NP) Jumps 24% on IPO, Shrugs Off Govt Shutdown Fears (Insider Monkey) +14.72%
Oct-01-25 04:27PM	The Incredibly Shrinking Pool of Publicly Traded Companies (Barrons.com)
08:55AM	NYSE Content Advisory: Pre-Market Update + Neptune Insurance celebrates IPO (PR Newswire)

Show Previous News

Insider Trading	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 04:15 PM
Duffy Matthew Paul	President & Chief Risk Officer	Oct 06 '26	Sale	27.15	41,392	1,123,967	1,964,239	Oct 07 04:11 PM
Duffy Matthew Paul	President & Chief Risk Officer	Oct 02 '26	Sale	27.67	39,737	1,099,570	2,005,631	Oct 05 04:07 PM
MATTHEW DUFFY	Officer	Oct 02 '26	Proposed Sale	27.24	165,570	4,510,127		Oct 02 04:27 PM
Carlon Jonathan Winant	Director	Sep 14 '26	Sale	31.15	50,000	1,557,595	603,500	Sep 15 05:19 PM
Jonathan Winant Carlon	Director of Corporate Developm	Sep 14 '26	Proposed Sale	31.60	50,000	1,580,000		Sep 14 05:11 PM
Steiner James	Chief Financial Officer	Aug 13 '26	Sale	31.71	57,012	1,807,970	3,749,050	Aug 14 04:23 PM
Steiner James	Chief Financial Officer	Aug 12 '26	Sale	31.08	42,988	1,335,874	3,806,062	Aug 14 04:23 PM
James Steiner	Director and Chief Financial O	Aug 12 '26	Proposed Sale	31.58	100,000	3,158,000		Aug 12 01:28 PM
BSIV Hold 101, LP	10% Owner	Jul 29 '26	Sale	33.22	1,632,160	54,220,355	12,620,558	Jul 31 07:00 PM
FTV VII, L.P.	10% Owner	Jul 29 '26	Sale	33.22	1,867,840	62,049,645	14,442,941	Jul 31 07:00 PM
BSIV HOLD 101, LP	10% Owner	Jul 29 '26	Proposed Sale	33.22	1,632,160	54,220,355		Jul 29 09:31 PM
FTV VII, L.P.	10% Owner	Jul 29 '26	Proposed Sale	33.22	1,867,840	62,049,645		Jul 29 09:30 PM
BSIV Hold 101, LP	10% Owner	May 15 '26	Sale	26.40	4,589,351	121,158,866	14,941,121	May 19 09:00 PM
BSIV Hold 101, LP	10% Owner	May 19 '26	Sale	26.40	688,403	18,173,839	14,252,718	May 19 09:00 PM
FTV VII, L.P.	10% Owner	May 15 '26	Sale	26.40	5,252,044	138,653,962	17,098,587	May 19 09:00 PM
FTV VII, L.P.	10% Owner	May 19 '26	Sale	26.40	787,806	20,798,078	16,310,781	May 19 09:00 PM
Burgess Trevor R	CEO & Chairman of the Board	Mar 13 '26	Buy	18.71	50,000	935,345	2,082,964	Mar 13 01:37 PM
Vostrizansky Michael Warren	Director	Feb 20 '26	Buy	21.50	23,000	494,415	23,000	Feb 24 06:36 PM

Neptune Insurance Holdings, Inc. engages in the provision of residential and commercial insurance products. It offers primary flood, excess flood, and parametric earthquake insurance. The company was founded by Trevor Burgess on February 10, 2017 and is headquartered in St. Petersburg, FL.

CEO & ChairmanMr. Trevor R. Burgess

CFOMr. James Steiner

President & Chief Risk Officer of Neptune Flood IncorporatedMr. Matthew Duffy

CTO & Chief Information Security OfficerMr. Brad Schulz

General CounselMs. Alais L. M. Griffin

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NP

Neptune Insurance Holdings Inc

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