Neptune Insurance Inc.
NP | NYSE
$29.40
+$0.22 (+0.75%)
Nov 2, 2026, 10:32 AM ET · Market open
Market Data
Market Cap $2.79B
Enterprise Value $2.9B
Beta -0.18
Average Volume 674.88K
Shares Outstanding (Diluted) 146.39M
Shares Change YoY 1405.11%
Institutional Ownership 48.83%
Exchange NYSE
ISIN US64073B1035
Price Performance
Price Change 1M 7.2%
Price Change 3M -7.0%
Price Change 6M 20.2%
Price Change YTD 0.8%
Price Change 1Y 16.4%
Price Change 3Y N/A
Price Change 5Y N/A
1M CAGR (ann.) -2.0%
1Y CAGR (ann.) 15.5%
5Y CAGR (ann.) N/A
All-Time CAGR 16.3%
Valuation
PE Ratio 94.13
Forward PE 29.45
PEG Ratio -1.17
Forward PEG 1.98
PS Ratio 14.03
Forward PS 11.40
PB Ratio -13.06
P/FCF Ratio 33.27
P/Adj. FCF Ratio 54.07
P/OCF Ratio 48.63
EV/Sales 14.73
EV/EBIT 35.26
EV/EBITDA 33.63
EV/FCF 34.92
Earnings Yield 1.1%
FCF Yield 3.0%
Adj. FCF Yield 1.9%
Financial Health
Net Debt $137.06M
Total Debt $215M
Cash & Short-Term Investments $77.94M
Total Assets $103.92M
Current Ratio 0.00
Quick Ratio 0.00
Debt / Equity Ratio -1.02
Debt / EBITDA 2.49
Debt / FCF 2.59
OCF / Debt 0.38
Interest Coverage 5.38
Altman Z-Score 4.42
Piotroski F-Score 7
Margins & Profitability
Gross Profit Margin 69.2%
Operating Profit Margin 41.5%
EBITDA Margin 43.8%
Net Profit Margin 22.7%
FCF Margin 42.2%
Adj. FCF Margin 25.9%
SBC / Revenue 16.2%
SBC Impact (per share) -38.5%
Returns
Return on Assets 43.0%
Return on Equity -20.5%
Return on Invested Capital 52.4%
Return on Capital Employed 78.6%
Return on Tangible Assets 47.9%
Analyst Forecasts
Analyst Rating Hold
Analyst Count 10
EPS Growth Next 3Y 41.2%
Revenue Growth Next 3Y 14.4%
Earnings Date Feb 17, 2027
EPS Estimate (next Q) $0.14
EPS Growth Est (next Q) 27.3%
Revenue Est (next Q) $52.78M
Revenue Growth Est (next Q) 20.6%
Fair Value Estimates
Graham Number N/A
Graham Upside N/A
Lynch Fair Value N/A
Lynch Upside N/A
Price Target $34.57
Price Target Upside 18.5%
Cash Flow
Operating Cash Flow $82.04M
Free Cash Flow $83.08M
Adj. Free Cash Flow $51.13M
FCF Per Share $0.61
OCF Per Share $0.60
OCF/S Ratio 42.1%
Income Statement
Revenue $197M
Gross Profit $136.24M
Operating Income $81.66M
EBITDA $86.27M
Net Income $44.74M
EPS (Diluted) $0.31
Revenue / Employee $3.18M
Profit / Employee $721.68K
Employees 62
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