Neptune Insurance Holdings Inc. (NP) Stock Price & Analysis

Neptune Insurance Holdings Inc. (NP) closed at USD 29.48 on Wednesday, October 28, 2026, up 0.03% on the day. The US market is currently closed (after-hours); this is not a live price.

The prior close was USD 29.47; the Oct 28, 2026 session ranged USD 28.81–29.7 on volume of 582,086 shares. Market capitalization is $4.07B, with a 52-week range of USD 14.78–35.15 (NYQ). Source: Nexqual, retrieved October 28, 2026 at 20:38 UTC.

Also available as compact Markdown for AI agents: nexqual.com/NP.md

Key facts (NP)

• Last four reported quarters (through Sep 30, 2026): revenue $197M, net income $44.7M (22.7% margin) (SEC filings).
• Valuation: P/E 91.0x (avg 81.5x at the last 1 fiscal year-ends).
• Insider open-market sales, last ~7 months: 9 Form 4 filings, $424M; 6 not under a Rule 10b5-1 plan ($420M); 0 by opportunistic insiders, 0 by routine insiders (three-year test, Cohen, Malloy & Pomorski 2012).
• Analysts: Buy (mean 2.15 on a 1–5 scale) (13 analysts), mean target USD 34.27 (range 31–39).
• Total return with dividends: 1Y +16.7% vs S&P 500 +13.6%; 5Y -3.0% vs S&P 500 +79.8%.
• Next earnings: 2026-10-20, EPS estimate USD 0.15, revenue estimate $52.8M.

Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters) (NP)

Fiscal years end Dec. EPS is split-adjusted.

Valuation (price ÷ last four quarters, through Sep 30, 2026) (NP)

P/E 91.0x · P/S 20.7x · Earnings yield 1.10%

P/E at fiscal year-ends: Dec 2025 81.5x.

Insider sales (SEC Form 4, open-market, last ~7 months) (NP)

3 of 9 under a Rule 10b5-1 trading plan (scheduled in advance). Unplanned sales were timed by the insider.

% of holdings sold = shares sold ÷ (shares sold + all holdings the insider reported on that Form 4, direct and through trusts).

Insider type follows Cohen, Malloy & Pomorski (Journal of Finance, 2012). An insider who traded the stock in the same calendar month in each of the past three years is a routine trader; one who traded in each of those years without such a pattern is an opportunistic trader. In their study, trades by opportunistic insiders predicted future returns and trades by routine insiders did not. Counts open-market purchases and sales only (SEC Form 4 codes P and S) by that insider in that company. Not investment advice.

Analysts (NP)

Consensus Buy (mean 2.15 on a 1–5 scale), 13 analysts; mean target USD 34.27 (low 31, high 39).

Rating changes, last 120 days:

Total return (dividends reinvested) (NP)

NP earnings history and stock reaction

EPS as reported against the analyst consensus before the release; surprise uses the cent-rounded figures shown (in dollars when EPS and consensus have opposite signs). Stock reaction = close before the results to close after (the first close following a release after the bell or before the open).

NP recent SEC filings (last 120 days)

Source: SEC EDGAR. Quotes are the opening words of each item as filed; each form links to the filing. Insider Form 4 filings are listed in the insider sections.

NP revenue by product line (quarter ended Sep 30, 2026)

As tagged by the company in its SEC 10-Q / 10-K filings (XBRL).

NP company outlook (results filed Oct 20, 2026)

• “Effectiveness of Information The targets included in our earnings presentation and the statements made during the earnings conference call, each of which is available on the Company's investor relations website at investors.neptuneflood.com (collectively, the "Earnings Materials"), represent the Company's expectations and beliefs as of October 20, 2026.”
• “Moreover, neither we nor any other person assumes responsibility for the accuracy and completeness of any of these forward-looking statements.”
• “(2) Assumes the conversion of all 41,850,000 shares of Redeemable Convertible Preferred Stock into an equivalent number of shares of common stock.”

Quoted word-for-word from the SEC 8-K results press release.

NP analyst estimates and revisions

NP options: expected move

30-day implied volatility 52.5% vs 30.9% realized over the last 30 trading days. Put/call ratio (volume) —. Cboe delayed quotes (15 min). Expected move = at-the-money straddle.

Key Statistics (as of October 28, 2026 at 20:38 UTC)

Technical Analysis (NP)

Nexqual's technical model rates NP "NEUTRAL" based on 3 bullish and 2 bearish signals across 127 daily candles, as of October 28, 2026 at 20:38 UTC.

Analyst Ratings (NP)

Wall Street analysts rate NP "Buy" based on 13 analysts, with a mean price target of USD 34.27 (range USD 31–39), per Nexqual as of October 28, 2026 at 20:38 UTC.

Earnings (NP)

Recent Earnings History

Source: Nexqual, October 28, 2026 at 20:38 UTC.

Financials & Fundamentals (NP)

Source: Nexqual, October 28, 2026 at 20:38 UTC.

Financial Health Score (NP)

Nexqual rates Neptune Insurance Holdings Inc.'s overall financial health "Solid" across five dimensions, as of October 28, 2026 at 20:38 UTC.

Ownership (NP)

Source: Nexqual, October 28, 2026 at 20:38 UTC.

Leadership (NP)

Neptune Insurance Holdings Inc. is led by Trevor R. Burgess, CEO & Chairman, per Nexqual as of October 28, 2026 at 20:38 UTC.

Major Backers & Investors (NP)

Notable institutional backers of Neptune Insurance Holdings Inc. include Ftv Management Company, L.P. , Bregal Sagemount IV General Partner Jersey Ltd, T. Rowe Price, according to Nexqual as of October 28, 2026 at 20:38 UTC.

Active Investors

Index Funds (Passive)

Source: Nexqual, October 28, 2026 at 20:38 UTC.

From Neptune Insurance Holdings Inc.'s Latest SEC 10-K Filing (filed 2026-02-26)

Key Strengths & Strategy (as disclosed to the SEC)

• Treasury and accruing approximately $2 million in daily interest, according to FEMA and the Congressional Research Service.
• All these quotes (whether or not they lead to binds) and binds fold into and grow our proprietary dataset, allowing us to continually build the competitive advantage provided by our platform.
• In contrast, we have developed a patented technology that enables us to manage maximum loss scenarios at the individual property level through an analysis that uses radial circles to assess policy concentration in any given area in real time.
• As of December 31, 2025, 40% of our 62 employees were on our technology development team, with our proprietary and internally-developed underwriting and policy management systems forming the backbone of our operations. •Our technology infrastructure is built to support rapid expansion into new markets and product lines.

Legal & Regulatory Risks (Item 1A, quoted)

• The insurance business is extensively regulated, and changes in regulation may reduce our profitability and limit our growth.
• We operate in a highly regulated industry, subject to regulatory oversight in the 50 states and Washington, D.C., where we are qualified to do business, and regulatory factors at the federal and state level may impact our ability to sell insurance policies.
• Changes to the E&S lines regulatory landscape, or a requirement for Neptune to file admitted rates, could have a detrimental impact to our sales, innovation, and ability to grow.
• Regulatory changes affecting the E&S market or the imposition of admitted-market requirements on Neptune could have a material and adverse impact on our business.

Source: SEC EDGAR 10-K, official filing. Curated by Nexqual.

Peers & Related Stocks

Data source: Nexqual — market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: October 28, 2026 at 20:38 UTC. This page is informational and not investment advice.

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