Neptune Insurance Holdings stock
NPNYSENeptune Insurance Holdings Inc., Financial ServicesISIN US64073B1035
66Score 66 out of 100, Neutral
Price and trend
61 / 100
Price history
+13% in one yearThe chart shows daily closes over 1 year, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Above the 200-day line: the price is 3.4% above it.
Normal: the price is neither overheated nor sold off (RSI 51).
The price is 19% below its 52-week high. Largest decline in 1 year: 44% (December 2025 to February 2026).
Chart figures for advanced users
- SMA 50$29.05
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$27.60
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)51
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDbelow the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$17.14
- The lowest closing price of the last twelve months.
- Resistance$35.11
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- Neptune Insurance Holdings Inc. belongs to the Insurance (Brokers) industry (United States) and, with a market value of $3.92B, is number 8 of 14 companies in its industry on MEQIRI.
- In fiscal 2025 it reported revenue of $159.55M (up 33.7% year on year) and earnings of $37.41M (up 8.2%).
- For fiscal 2026, analysts expect on average revenue of $205.36M (up 28.7%) and adjusted earnings per share of $0.56.
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- MEQIRI Score 66 out of 100 (Neutral): rank 574 of 976 in Financial Services, median 68.
- The P/E is 93.4 (Insurance (Brokers) median 24.5, own median of recent years 108).
- Our model puts fair value at $12.71, with the price 124% above it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- Earnings turn into cashFree cash flow 188% of earnings over the last 12 months.Fundamentals 100
- High marginNet margin 22.7% over the last 12 months, Insurance (Brokers) median 11.5%.Profitability 94
- Analysts expect strong earnings growthUp 18.2% a year through 2028 (estimates from 11 analysts).Growth 50
Weaknesses
- Above fair valuePrice 124% above the fair value of $12.71.Valuation 17
- Volatile share priceVolatility 61% a year over the last 12 months.Stability 35
Its standout strengths are fundamentals and profitability, while stability and valuation hold the score back.
Daily figure as of 12 Nov 2026
How the score is calculatedScore overview
Score since yesterday from 65 to 66.
Fundamentals are strong, with stable profits and strong cash generation.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansValuation
Valuation signal
Significantly overvaluedClosing price of 11 Nov 2026, used by the daily score.
In our model the price counts as cheap below $8.47 and expensive above $25.42 (uncertainty very high, based on the price swings of the past year).
The two parts of the fair value come to $17.92 (cash-flow model) and $7.50 (industry comparison), and the gap between them shows how uncertain the estimate is. The price is above both.
Calculated with a cost of equity of 8.8%. At 9.8% the fair value would be $11.15, at 7.8% it would be $15.05.
Valuation metrics
Half from the cash-flow model, half from earnings times the industry P/E (24.5).
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In the quarter to 30 Sep 2026, revenue rose 34.3% on the same quarter a year earlier. Revenue has grown strongly since 2023, at around 37% per year.
Margins
- Gross margin
- Operating margin
- Net margin
In fiscal 2025: gross 65%, operating 50%, net 23%.
Debt & balance sheet
latest quarterDebt is elevated. Keep an eye on the interest burden and refinancing.
Earnings
- Next earnings
- 17 Feb 2027in 97 days
- Last reported
- 20 Oct 2026EPS reported $0.17 (expected $0.16)above expectations
Analyst estimates
Earnings estimates have barely changed since 15 Oct 2026.
- Earnings per share
- $0.56+1.6%
- Revenue
- $205.36M+1.4%
- Earnings per share
- $0.68+2.0%
- Revenue
- $242.63M+1.7%
MEQIRI has stored the estimates since 15 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
Company outlook raised
Share price after the results: −1.5%Expectations raised: 2026 revenue now $199 million (25% growth) and an adjusted EBITDA margin of 60% to 61%.
“We now expect 2026 revenue of $199 million, which would represent top-line growth of 25% and an adjusted EBITDA margin of 60%-61%.”The outlook is not part of the score and not a recommendation to buy or sell.
From the earnings call on 22 Jul 2026 (fiscal Q2 2026), read by AI.
Insiders
Open-market purchases and sales by executives, board members and major holders
No open-market purchases in the last 6 months. 6 insiders sold, $443.24M in total.
Sales say less than purchases: many insiders sell on a fixed plan, for taxes or to diversify.
- Duffy Matthew PaulSale
11 Nov 2026, officer, other: President & Chief Risk Officer
- Shares
- 86,000
- Price
- $28.28
- Value
- $2.43M
- Duffy Matthew PaulSale
10 Nov 2026, officer, other: President & Chief Risk Officer
- Shares
- 86,000
- Price
- $28.04
- Value
- $2.41M
- Duffy Matthew PaulSale
9 Nov 2026, officer, other: President & Chief Risk Officer
- Shares
- 88,000
- Price
- $28.03
- Value
- $2.47M
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- Burgess Trevor RSale
9 Nov 2026, 10 percent owner, officer: Chief Executive Officer
- Shares
- 4,431
- Price
- $27.63
- Value
- $122,450
- Burgess Trevor RSale
6 Nov 2026, 10 percent owner, officer: Chief Executive Officer
- Shares
- 66,568
- Price
- $27.68
- Value
- $1.84M
- Burgess Trevor RSale
5 Nov 2026, 10 percent owner, officer: Chief Executive Officer
- Shares
- 104,717
- Price
- $27.75
- Value
- $2.91M
- Burgess Trevor RSale
4 Nov 2026, 10 percent owner, officer: Chief Executive Officer
- Shares
- 76,559
- Price
- $28.85
- Value
- $2.21M
- Burgess Trevor RSale
3 Nov 2026, 10 percent owner, officer: Chief Executive Officer
- Shares
- 43,018
- Price
- $29.13
- Value
- $1.25M
- Burgess Trevor RSale
2 Nov 2026, 10 percent owner, officer: Chief Executive Officer
- Shares
- 57,190
- Price
- $29.46
- Value
- $1.68M
- Burgess Trevor RSale
30 Oct 2026, 10 percent owner, officer: Chief Executive Officer
- Shares
- 53,669
- Price
- $29.05
- Value
- $1.56M
- Duffy Matthew PaulSale
8 Oct 2026, officer, other: President & Chief Risk Officer
- Shares
- 84,441
- Price
- $28.10
- Value
- $2.37M
- Duffy Matthew PaulSale
6 Oct 2026, officer, other: President & Chief Risk Officer
- Shares
- 41,392
- Price
- $27.15
- Value
- $1.12M
- Duffy Matthew PaulSale
2 Oct 2026, officer, other: President & Chief Risk Officer
- Shares
- 39,737
- Price
- $27.67
- Value
- $1.1M
- Carlon Jonathan WinantSale
14 Sept 2026, Board
- Shares
- 50,000
- Price
- $31.15
- Value
- $1.56M
- Steiner JamesSale
13 Aug 2026, Chief Financial Officer
- Shares
- 57,012
- Price
- $31.71
- Value
- $1.81M
- Steiner JamesSale
12 Aug 2026, Chief Financial Officer
- Shares
- 42,988
- Price
- $31.08
- Value
- $1.34M
- BSIV Hold 101, LPSale
29 Jul 2026, Major holder
- Shares
- 1,632,160
- Price
- $33.22
- Value
- $54.22M
- Ftv Vii, L.p.Sale
29 Jul 2026, Major holder
- Shares
- 1,867,840
- Price
- $33.22
- Value
- $62.05M
- BSIV Hold 101, LPSale
19 May 2026, Major holder
- Shares
- 688,403
- Price
- $26.40
- Value
- $18.17M
- Ftv Vii, L.p.Sale
19 May 2026, Major holder
- Shares
- 787,806
- Price
- $26.40
- Value
- $20.8M
- BSIV Hold 101, LPSale
15 May 2026, Major holder
- Shares
- 4,589,351
- Price
- $26.40
- Value
- $121.16M
- Ftv Vii, L.p.Sale
15 May 2026, Major holder
- Shares
- 5,252,044
- Price
- $26.40
- Value
- $138.65M
Partial trades from one filing are shown in one row, with the average price.
Source: Form 4 filings with the US Securities and Exchange Commission. Grants, option exercises, gifts and tax withholdings are hidden. Not a recommendation to buy.
What happened at Neptune Insurance Holdings
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
976 rated companies in Financial Services
- This company
- 66
- Sector median
- 68
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Insurance (Brokers)
The next larger and next smaller companies by market value
- Willis Towers Watson PublicWTW $30.82B75
- Brown & BrownBRO $23.68B72
- Ryan Specialty HoldingsRYAN $5.61B65
- CorVelCRVL $4.24B79
- Baldwin Insurance GroupBWIN $2.98B48
- Ethos TechnologiesLIFE $2.45B43
- Goosehead InsuranceGSHD $1.68B70
- CrawfordCRD-A $569.52M63
ETFs that hold Neptune Insurance Holdings
Held by 9 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| L&G Russell 2000 US Small Cap Quality UCITS ETFETLZ | 0.17% | 0.30% | €185.82M |
| State Street SPDR Russell 2000 U.S. Small Cap UCITS ETF (Acc)ZPRR | 0.04% | 0.30% | €4.22B |
| Xtrackers Russell 2000 UCITS ETF 1CXRS2 | 0.04% | 0.30% | €2.17B |
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| State Street SPDR MSCI World Small Cap UCITS ETF (Acc)ZPRS | 0.01% | 0.45% | €1.53B |
| iShares MSCI USA Small Cap CTB Enhanced ESG UCITS ETFSXRG | 0.01% | 0.43% | €2.48B |
| UBS MSCI USA Select Factor Mix UCITS ETF USD accUSUE | 0.00% | 0.25% | €175.89M |
| State Street SPDR MSCI USA Small Cap Value Weighted UCITS ETFZPRV | 0.00% | 0.30% | €944.34M |
| State Street SPDR MSCI All Country World Investable Market UCITS ETF (Acc)SPYI | 0.00% | 0.17% | €8.6B |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Score
- Daily value of 12 Nov 2026, recalculated nightly
- Price
- Closing price of 12 Nov 2026
- Latest annual report
- Fiscal year 2025, period end 31 Dec 2025
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Neutral, published since 7 Nov 2026 (in the score history since 2 Oct 2026)
- Valuation signal Overvalued since 7 Nov 2026
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.