Stock AnalizNeptune Insurance Holdings Inc. NP
Specialty Insurers · IPO 2025 · data as of November 13, 2026
Neptune Insurance Holdings Inc. (NP) is a financial company listed in the US with a market value of about $3.9B. In the twelve months to September 30, 2026 it had revenue of $197M and net income of $45M, a net margin of 22.7%.
Its overall Stock Analiz score is 1.0 out of 5 (weak). The strongest part is future growth (2/5); the weakest is value (0/5).
Key numbers: a P/E of 92.7, a price to free cash flow of 50.4. A discounted cash flow model with moderate assumptions puts its intrinsic value about 59% below the current price.
Score: 1.0 / 5
Checks passed
- Revenue growth above 10% last year
- Strong R&D investment or growth above 20%
- Positive free cash flow
- Debt below 3 years of free cash flow
- Pays a dividend
Checks not passed
- P/E below 25
- P/E below the industry median
- P/FCF below 20
- Price below intrinsic value (DCF, moderate assumptions)
- PEG below 1.5
- 3-year revenue growth above 10% a year
- Profit margin improving
- 3-year free cash flow growth above 10% a year
Valuation
Growth and quality
Financials, last 3 years
| Fiscal year | TTM | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| Revenue | $197M | $160M | $119M | $85M |
| Net income | $45M | $37M | $35M | $18M |
| Free cash flow | $78M | $48M | $46M | $15M |
| EPS (diluted) | $0.31 | $-0.26 | $0.16 | $0.10 |
| Net margin | 22.7% | 23.4% | 29.0% | 21.1% |
| ROIC | — | — | — | — |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 13 analysts is $34.27, 21% above the current price; targets range from $31.00 to $39.00; the consensus rating is “Buy”; expected EPS is $0.56 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is Neptune Insurance’s P/E ratio?
About 92.7, based on the last twelve months of diluted earnings per share (forward P/E about 46.8).
Is Neptune Insurance stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 59% below the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does Neptune Insurance pay a dividend?
Not currently.
Is Neptune Insurance a good stock to buy?
We do not give buy or sell advice. Neptune Insurance scores 1.0 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
Similar companies
Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.