NP Neptune Insurance Holdings Inc. Class A Common Stock

NYSE · Insurance · View on SEC EDGAR ↗
$33.22
Price · Jul 2, 2026
Fundamentals as of Apr 29, 2026
52W Range
$15–$34
94% of range
Analyst Rating
BUY
20 analysts
Price Target
$31
P/E (TTM)
-112.2
ROE
-9.9%
Net Profit Margin
23.4%

NP Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range

Price
$33.22
Market Cap
—
P/E (TTM)
-112.2
EPS (TTM)
$-0.26
Revenue (TTM)
$160M
Div Yield
—
ROE
-9.9%
Debt/Equity
0.0
52W Range
$15 – $34

NP Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view

10-Year Performance Revenue, net income, margins and EPS trends

Revenue & Net Income $160M
3-point trend, +88.0%
2023-12-31 → 2025-12-31
EPS $-0.26
3-point trend, -360.0%
2023-12-31 → 2025-12-31
Free Cash Flow —
Margins 23.4%

Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?

Metric
5Y trend
NP
Peer Median
P/E (TTM)
-112.2
14.7

Profitability Gross, operating and net margins; ROE, ROA, ROIC

Metric
5Y trend
NP
Peer Median
Operating Margin
44.5%
—
Net Profit Margin
23.4%
11.7%
ROA
66.0%
5.3%
ROE
-9.9%
16.1%
ROIC
-21.8%
—

Financial Health Debt, liquidity, solvency — balance sheet strength

Metric
5Y trend
NP
Peer Median
Debt / Equity
0.0
12.5
Current Ratio
1.0
0.3
Quick Ratio
0.2
—

Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR

Metric
5Y trend
NP
Peer Median
Revenue YoY
3-point trend, +88.0%
33.7%
—
EPS YoY
3-point trend, -360.0%
60.0%
—
Net Income YoY
3-point trend, +109.2%
8.2%
—

Per Share Metrics EPS, book value per share, cash flow per share, dividend per share

Metric
5Y trend
NP
Peer Median
EPS (Diluted)
3-point trend, -360.0%
$-0.26
—

Capital Efficiency Asset turnover, inventory turnover, receivables turnover

Metric
5Y trend
NP
Peer Median

NP Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside

BUY 20 analysts
  • Strong Buy 3 15.0%
  • Buy 11 55.0%
  • Hold 6 30.0%
  • Sell 0 0.0%
  • Strong Sell 0 0.0%

12-Month Price Target

13 analysts · 2026-07-02
Median target $31.00 -6.7%
Mean target $31.08 -6.5%

Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date

Avg Surprise
-0.00%
Period EPS Actual EPS Est Surprise
March 31, 2026 $0.09 $0.09 -0.00%
Dec. 31, 2025 $0.10 $0.10 -0.00%

Peer Comparison Key metrics vs sector peers

Ticker Market Cap P/E Rev YoY Net Margin ROE Gross Margin
NP — -112.2 33.7% 23.4% -9.9% —
MCY $5.21B 9.6 9.4% 9.0% 24.8% —
SIGI $5.03B 11.2 9.8% 8.7% 13.9% —
RLI $5.88B 14.6 6.3% 21.4% 23.0% —
LMND $5.40B -31.8 40.2% -22.4% -31.2% —
WTM $5.15B 4.8 66.8% 29.6% 22.3% —
PLMR $3.57B 18.8 58.2% 22.5% 22.0% —
SKWD $2.07B 12.6 23.2% 12.0% 18.9% —
HCI $2.49B 8.4 20.1% 33.2% 40.0% —
SLDE $2.42B 5.8 36.5% 38.4% 57.4% —
STC $2.12B 17.3 17.3% 4.0% 7.6% —

Full Fundamentals All metrics by year — income statement, balance sheet, cash flow

Income Statement 13
Annual Income Statement data for NP
Metric Trend 20252024
Revenue 2-point trend, +33.7% $160M $119M
SG&A Expense 2-point trend, +29.2% $10M $8M
Operating Expenses 2-point trend, +74.2% $89M $51M
Operating Income 2-point trend, +3.7% $71M $68M
Interest Income 2-point trend, +4.9% $923.0K $880.0K
Pretax Income 2-point trend, +15.6% $54M $46M
Income Tax 2-point trend, +37.6% $16M $12M
Net Income 2-point trend, +8.2% $37M $35M
EPS (Basic) 2-point trend, -262.5% $-0.26 $0.16
EPS (Diluted) 2-point trend, -262.5% $-0.26 $0.16
Shares (Basic) 2-point trend, +11.9% 104,502,838 93,350,000
Shares (Diluted) 2-point trend, +11.9% 104,502,838 93,350,000
EBITDA $71M ·
Balance Sheet 18
Annual Balance Sheet data for NP
Metric Trend 20252024
Cash & Equivalents 2-point trend, +13.3% $8M $7M
Prepaid Expense 2-point trend, +189.6% $1M $452.0K
Current Assets 2-point trend, +48.9% $52M $35M
Goodwill Flat — no change across 2 periods $4M $4M
Intangibles 2-point trend, -2.1% $466.0K $476.0K
Total Assets 2-point trend, +35.6% $65M $48M
Accounts Payable 2-point trend, +41.5% $10M $7M
Accrued Liabilities 2-point trend, +105.7% $977.0K $475.0K
Current Liabilities 2-point trend, +8.7% $53M $49M
Total Liabilities 2-point trend, +68.6% $293M $174M
Long-term Debt 2-point trend, -100.0% $0 $125M
Total Debt $0 ·
Common Stock · $1.0K
Paid-in Capital 2-point trend, +85020.5% $287M $337.0K
Retained Earnings 2-point trend, -40.4% $-514M $-366M
Stockholders' Equity 2-point trend, +37.8% $-227M $-366M
Liabilities + Equity 2-point trend, +35.6% $65M $48M
Shares Outstanding · 93,350,000
Cash Flow 9
Annual Cash Flow data for NP
Metric Trend 20252024
Stock-based Comp 2-point trend, +3758.1% $11M $296.0K
Deferred Tax 2-point trend, +427.0% $2M $-612.0K
Amort. of Intangibles 2-point trend, +2.8% $73.0K $71.0K
Operating Cash Flow 2-point trend, +3.5% $52M $50M
Investing Cash Flow 2-point trend, -7.1% $-4M $-4M
Stock Issued Flat — no change across 2 periods $0 $0
Net Stock Activity $0 ·
Financing Cash Flow 2-point trend, +17.1% $-35M $-42M
Taxes Paid 2-point trend, +175.7% $20M $7M
Profitability 7
Annual Profitability data for NP
Metric Trend 20252024
Operating Margin 44.5% ·
Net Margin 23.4% ·
Pretax Margin 33.6% ·
EBITDA Margin 44.5% ·
ROA 66.0% ·
ROE -9.9% ·
ROIC -21.8% ·
Liquidity & Solvency 4
Annual Liquidity & Solvency data for NP
Metric Trend 20252024
Current Ratio 1.0 ·
Quick Ratio 0.2 ·
Debt / Equity 0.0 ·
LT Debt / Equity 0.0 ·
Efficiency 1
Annual Efficiency data for NP
Metric Trend 20252024
Asset Turnover 2.8 ·
Per Share 3
Annual Per Share data for NP
Metric Trend 20252024
Revenue / Share $1.53 ·
Cash Flow / Share $0.49 ·
EPS (TTM) $-0.26 ·
Growth Rates 3
Annual Growth Rates data for NP
Metric Trend 20252024
Revenue YoY 2-point trend, -16.8% 33.7% 40.6%
EPS YoY · 60.0%
Net Income YoY 2-point trend, -91.3% 8.2% 93.4%
Valuation (TTM) 4
Annual Valuation (TTM) data for NP
Metric Trend 20252024
Revenue TTM $160M ·
Net Income TTM $37M ·
P/E -112.2 ·
Earnings Yield -0.89% ·

Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years

Income Statement
2025-12-312024-12-312023-12-31
Revenue $160M$119M$85M
Operating Margin % 44.5%——
Net Income $37M$35M$18M
Diluted EPS $-0.26$0.16$0.10
Balance Sheet
2025-12-312024-12-312023-12-31
Debt / Equity 0.0——
Current Ratio 1.0——
Quick Ratio 0.2——

My Metrics Your personal watchlist — selected rows from Full Fundamentals

📊

Pick the metrics that matter to you — click the ➕ next to any row in Full Fundamentals above.

Your selection is saved and follows you across all tickers.