Neptune Insurance Holdings Inc.: stock overview

NPNYSEFinancial services · Insurance Agents, Brokers & Service

Price

$28.34

November 13, 2026Market cap $3.9B

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  • The full history: 3 fiscal years, from 2023
  • The estimated fair value, with its range and its certainty
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  • More questions to the chat on its filings
  • Excel with every year
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In short

Neptune Insurance had revenue of $197M over the last 12 months and net income of $45M, a net margin of 22.7%. Revenue grew by 37.1% a year on average over the last 2 years. At $28.34 the shares trade at a P/E of 87.0. It has net debt of $198M. It pays no dividend.

From its SEC filings (latest fiscal year to December 31, 2025) and the price of November 13, 2026.

Its SEC filings
Market cap
$3.9B
137M shares
P/E
87.0
Revenue, 12 months
$197M
+37.1% a year over 2 years
Net margin
22.7%
2025: 23.5%, above 95% of its industry

Worth knowing

What a holder would want to hear from the company's SEC filings of the last three years. Each with its filing, without comment.

3 fiscal years in figures

Each fiscal year's figures as the company filed them, and the share price at its end.

2023–2025 fiscal years

+37.1% a year over 2 years

  • 202510-K
    Revenue$160M
  • 2024
    Revenue$119M
  • 2023
    Revenue$85M

Key figures

The company's current figures in five groups. Each term is explained behind its ⓘ.

Valuation

Market cap 
$3.9B
Enterprise value 
$4.1B
P/E 
87.0
EV / EBIT 
50.3
EV / Revenue 
20.8
P/B 
–
FCF yield 
2.1%
Earnings yield 
1.2%

Profitability

Operating margin 
41.3%
Net margin 3-year median: 23.4%
22.7%
ROIC 
–
ROE 
–

Growth

Revenue, yearly change 
+33.7%
EPS, yearly change 
-262.5%
FCF, yearly change 
–
Revenue, average a year 
+37.1%

The yearly change compares FY2025 with FY2024.

Balance sheet

Cash 
$17M
Total debt 
$215M
Net debt 
$198M
Net debt / EBITDA 
–
Interest cover 
5.4x
Current ratio 
0.91

Balance sheet of September 30, 2026.

Returns to shareholders

Dividend yield 
0.00%
Buybacks 
–
Total returned 
0.00%
Shares, yearly change 
+12.0%
Valuation against its own pastEach fiscal year's P/E, P/FCF and P/B beside today's, and the DCF calculator for the company.Valuation

Against its industry

Where its margins and returns stood in fiscal 2025 among the SEC filers of its industry (SIC code 64).

Operating margin

44.5%

Above 97% of the 19 companies in its industry, and 97% of all.

Net margin

23.5%

Above 95% of the 28 companies in its industry, and 86% of all.

ROA

57.3%

Above 98% of the 27 companies in its industry, and 99% of all.

Revenue growth

33.7%

Above 83% of the 27 companies in its industry, and 90% of all.

From the yearly figures every company files with the SEC, for those with revenue of at least $25 million. The industry is the first two digits of the SIC code.

The company at the SEC

How it is registered and when its fiscal year ends.

Name at the SEC
Neptune Insurance Holdings Inc.
CIK
2067129
Exchange
NYSE
Industry (SIC)
6411 · Insurance Agents, Brokers & Service
Fiscal year ends
December 31
Latest annual report
December 31, 2025
Reporting currency
USD
Shares
137M

Other companies: Financial services

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The full analysis

What do Neptune Insurance's filings show?

These are Neptune Insurance's figures. The full Ploutos AI analysis reads everything the company has filed and shows what stands behind it, with a source for every figure.

  • A fair value range built from the filings
  • Earnings quality, debt and red flags
  • Insider and institutional moves
  • The case for and the case against

Questions about NP

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What is NP's market cap?

Neptune Insurance Holdings Inc.'s market cap is $3.9B, at a price of $28.34 on November 13, 2026 and 137M shares.

What is NP's P/E?

NP's P/E is 87.0, on earnings per share of $0.36 over the last 12 months.

How much revenue does NP have?

Neptune Insurance had revenue of $197M over the last 12 months. Over the last 2 years it changed by +37.1% a year on average.

Does NP pay a dividend?

No. Neptune Insurance paid no regular dividend over the last 12 months.

Where do the figures come from?

From Neptune Insurance Holdings Inc.'s SEC filings (10-K and 10-Q) and the share price. They hold no analyst estimates and no score, and they are not a recommendation.

Related pages

The other pages on US stocks, free to read. On the company pages, the last three fiscal years are open to everyone, five with a free account, and every year with Ploutos Investor.

US stocksThe market today, the sectors, the largest companies and the week's results.The market's sectorsThe 11 sectors side by side: returns, share of the market, median P/E and dividend.Compare stocksTwo companies side by side: price over up to ten years, with and without dividends, and every figure.US dividend stocksEach dividend's yield next to whether the company's cash covers it and whether it was ever cut.

The figures come from the company's SEC filings and the share price, and describe what it has reported. They are not a score or a fair value.