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Neptune Insurance Holdings (NP) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Neptune Insurance Holdings
NYSE•Financial Services•Insurance Brokers
$30.52-0.17(-0.01%)Pre-market
Market Cap
$4.11B
P/E
67.8x
P/S
16.2x

Neptune Insurance Holdings Inc., through its subsidiary, Neptune Flood Incorporated, operates as an insurance agency that engages in selling residential and commercial flood insurance policies on behalf of insurance carrier partners in the United States. The company offers primary and excess flood, parametric earthquake, and indemnity earthquake insurance through a network of agencies. Neptune Insurance Holdings Inc. was founded in 2016 and is based in Saint Petersburg, Florida.

D

How this company scores

WeakMetricSide Score: 49/100

Grade capped at D — Negative equity — the balance sheet is insolvent. Strongest: Cash & Earnings Quality (16/25); weakest: Growth (8/25).

Profitability14/25
Growth8/25
Balance Sheet & Red Flags11/25
Cash & Earnings Quality16/25
Strengths
Strong marginsCash-backed earningsImproving margins
Grade capped at D
  • Negative equity — the balance sheet is insolvent.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 67.8x5y range 67.8x – 67.8x
P/E 67.8x
P/S · 16.2x5y range 16.2x – 16.2x
P/S 16.2x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Share Dilution

Red Flag

Shares outstanding increased 47.6% — significant dilution, likely from stock compensation or capital raises.

Price & Volume
Market Cap $4.11B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue
$253.22M
Q. Revenue
$55.87M
TTM EBITDA
$120.96M
TTM Op. Income
$110.95M
Q. Op. Income
$26.55M
TTM Net Income
$60.56M
Q. Net Income
$15.80M
EPS
$0.11
2Q
Shares Out.
$137.80M

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin
49.3%
Op. Margin
47.5%
Net Margin
28.3%

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio
67.8x
P/S Ratio
16.2x
P/B Ratio
N/A
At 67.8x P/E, the stock trades above typical market levels — the market expects above-average growth. P/S of 16.2x and P/B of 0.0x provide additional context. Use the growth and margin sections to judge whether the multiple is justified.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets
$102.21M
2Q
Cash
$17.55M
2Q
Long-Term Debt
$240.00M
Book Value
$-222.24M
D/E Ratio
N/A
Debt/EBITDA
8.7

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow
$26.71M
2Q
TTM Free Cash Flow
$88.93M
FCF Margin
35.1%
FCF / Net Income
1.5
TTM FCF of $88.93M on $26.71M in operating cash flow. The FCF / Net Income ratio of 1.5x means free cash flow covers net income — earnings are backed by cash. Over the past year, free cash flow is up 0% — an improving trend.

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