NP
Bearish signalScored 2026-10-11 Drivers: trend, fundamentals. Moteurs : tendance, fondamentaux.
Research, not advice.
À propos
Neptune Insurance Holdings Inc.
- Nom
- Neptune Insurance Holdings Inc.
- Secteur
- Financial Services
- Industrie
- Insurance - Brokers
- Bourse
- NYSE
- Capitalisation
- $2.7B
- Employés
- 62
- PDG
- Trevor R. Burgess
- Site web
- —
- Marché
- ALKTALRMAPPNDBDGRNDNATL
Neptune Insurance Holdings Inc. functions as a technology-driven managing general agent (MGA) specializing in flood insurance solutions. The company provides a range of offerings, including both primary and excess flood coverage for residential and commercial properties, as well as parametric earthquake policies. At its core, Neptune leverages advanced artificial intelligence and machine learning platforms, notably their "Triton" system for underwriting and "Poseidon" for policy management. Distribution of these products occurs through an extensive agency network. Importantly, Neptune does not assume underwriting risk or manage claims directly; these functions are instead handled by their partnering insurance and reinsurance carriers.
Price (1 year)
Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.
VENTE TOTALE: 250 000 titres (~7 845 282,68 $ US)
- Insiders
- Steiner JamesCarlon Jonathan Winant
- Total bought
-
—
Avg buy (VWAP, 90d window) —
- Total sold
-
$60,956,778
Avg sell (VWAP, 90d window) $32.85 vs last close $29.36 (-10.6%)
Total sold sums Form 4 code S in this window. Codes F, M, A and G are left out.
$2,034,984 of that total is under a Rule 10b5-1 plan. It is shown here and left out of the score.
- Last activity
- 2026-09-14
- Liquidity
- Thin $16,557,274/day · 20d vol
- Last synced
-
2026-10-17 09:40:41
Sign in to request a sync of this company's price history and timing levels.
Insider holdings as a share of total assets aren't available for this company.
Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.
Recent Form 4
Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.
| Date | Person | Side | Shares | Price | Value | Form 4 |
|---|---|---|---|---|---|---|
| 2026-10-08 | Duffy Matthew Paul | Sell · S · 10b5-1 | 30,802 | $28.47 | $876,841 | Form 4 |
| 2026-10-06 | Duffy Matthew Paul | Sell · S · 10b5-1 | 41,392 | $27.15 | $1,123,967 | Form 4 |
| 2026-10-02 | Duffy Matthew Paul | Sell · S · 10b5-1 | 1,200 | $28.48 | $34,176 | Form 4 |
| 2026-09-14 | Carlon Jonathan Winant | Sell · S | 50,000 | $31.15 | $1,557,595 | Form 4 |
| 2026-08-13 | Steiner James | Sell · S | 57,012 | $31.71 | $1,807,970 | Form 4 |
| 2026-08-12 | Steiner James | Sell · S | 42,988 | $31.08 | $1,335,874 | Form 4 |
| 2026-07-29 | BSIV Hold 101, LP | Sell · S | 1,632,160 | $33.22 | $54,220,355 | Form 4 |
Sales marked 10b5-1 are scheduled in advance and don't count toward the Quorum score. Les ventes marquées 10b5-1 sont planifiées à l'avance et ne pèsent pas dans le score Quorum.
Congressional trades
STOCK Act disclosures (90-day window)
Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.
No STOCK Act disclosures for this company in this window.
Signal
Bearish signalScored 2026-10-11 Drivers: trend, fundamentals. Moteurs : tendance, fondamentaux.
The 0-100 score behind this signal and the full written analysis are part of Plus. See plans.
Factor checklist — research, not advice
A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.
- Insider Pulls against a bullish reading. Selling cluster — sale value, no purchase value
- Congress Unavailable or mixed. No purchase disclosures in the stored window
- Narrative Pulls against a bullish reading. Stored narrative reading is in the bearish band
- Timing Pulls against a bullish reading. Close is more than 0.5 ATR under stored support
- Financial indicators Unavailable or mixed. Current ratio 0.99 · operating margin 50% — readings disagree
Suggested stop 27.66, nearest stored support minus 0.5 ATR(5.8% under the last close). Reward/risk to the next stored resistance is 1.35. Wait — that reward/risk is under 2. Research, not advice. Not an order.
Market snapshot
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|---|
| Gross Profit Margin | 64.6% | 66.4% | 64.2% | |
| Ebit Margin | 45.1% | 53.6% | 53.2% | |
| Ebitda Margin | 47.4% | 56.1% | 55.8% | |
| Operating Profit Margin | 50.1% | 57.4% | 53.5% | |
| Pretax Profit Margin | 33.6% | 38.9% | 28.1% | |
| Continuous Operations Profit Margin | 23.4% | 29.0% | 21.1% | |
| Net Profit Margin | 23.4% | 29.0% | 21.1% | |
| Bottom Line Profit Margin | 23.4% | 12.3% | 11.5% | |
| Current Ratio | 0.994 | 0.725 | 1.026 | |
| Quick Ratio | 0.994 | 0.725 | 1.026 | |
| Solvency Ratio | 0.140 | 0.091 | 0.047 | |
| Cash Ratio | 0.152 | 0.146 | 0.279 | |
| Price To Earnings Ratio | 108.000 | 15.696 | 23.846 | |
| Price To Earnings Growth Ratio | -1.303 | 0.302 | 0.000 | |
| Forward Price To Earnings Growth Ratio | -1.303 | 0.302 | 0.000 | |
| Price To Earnings Diluted Ratio | 108.000 | 15.696 | 23.846 | |
| Price To Earnings Diluted Growth Ratio | -1.303 | 0.302 | 0.000 | |
| Price To Book Ratio | -17.708 | -0.633 | -0.598 | |
| Price To Sales Ratio | 25.249 | 1.941 | 2.733 | |
| Price To Free Cash Flow Ratio | 84.469 | 5.010 | 15.868 | |
| Price To Operating Cash Flow Ratio | 77.967 | 4.637 | 12.438 | |
| Debt To Assets Ratio | 3.675 | 2.776 | 4.197 | |
| Debt To Equity Ratio | -1.055 | -0.365 | -0.451 | |
| Debt To Capital Ratio | 19.191 | -0.575 | -0.822 | |
| Long Term Debt To Capital Ratio | 19.191 | -0.519 | -0.806 | |
| Financial Leverage Ratio | -0.287 | -0.132 | -0.108 | |
| Working Capital Turnover Ratio | -23.340 | -18.953 | 0.000 | |
| Operating Cash Flow Ratio | 0.979 | 1.028 | 0.641 | |
| Operating Cash Flow Sales Ratio | 0.324 | 0.418 | 0.220 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.923 | 0.926 | 0.784 | |
| Debt Service Coverage Ratio | 3.254 | 2.115 | 1.782 | |
| Interest Coverage Ratio | 4.378 | 3.907 | 2.130 | |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 5.839 | 9.814 | |
| Operating Cash Flow Coverage Ratio | 0.215 | 0.374 | 0.107 | |
| Capital Expenditure Coverage Ratio | 12.992 | 13.446 | 4.627 | |
| Dividend Paid And Capex Coverage Ratio | 0.289 | 13.446 | 0.054 | |
| Dividend Payout Ratio | 4.678 | 0.000 | 18.955 | |
| Enterprise Value Multiple | 56.363 | 5.350 | 8.417 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 64.6% | ▼-1.8% | ▼-0.5% |
| Ebit Margin | 45.1% | ▼-8.5% | ▼-5.6% |
| Ebitda Margin | 47.4% | ▼-8.7% | ▼-5.7% |
| Operating Profit Margin | 50.1% | ▼-7.3% | ▼-3.6% |
| Pretax Profit Margin | 33.6% | ▼-5.3% | ▲0.1% |
| Continuous Operations Profit Margin | 23.4% | ▼-5.5% | ▼-1.1% |
| Net Profit Margin | 23.4% | ▼-5.5% | ▼-1.1% |
| Bottom Line Profit Margin | 23.4% | ▲11.1% | ▲7.7% |
| Current Ratio | 0.994 | ▲0.268 | ▲0.079 |
| Quick Ratio | 0.994 | ▲0.268 | ▲0.079 |
| Solvency Ratio | 0.141 | ▲0.050 | ▲0.048 |
| Cash Ratio | 0.152 | ▲0.006 | ▼-0.040 |
| Price To Earnings Ratio | 108.000 | ▲92.304 | ▲58.819 |
| Price To Earnings Growth Ratio | -1.303 | ▼-1.605 | ▼-0.969 |
| Forward Price To Earnings Growth Ratio | -1.303 | ▼-1.605 | ▼-0.969 |
| Price To Earnings Diluted Ratio | 108.000 | ▲92.304 | ▲58.819 |
| Price To Earnings Diluted Growth Ratio | -1.303 | ▼-1.605 | ▼-0.969 |
| Price To Book Ratio | -17.708 | ▼-17.076 | ▼-11.395 |
| Price To Sales Ratio | 25.249 | ▲23.309 | ▲15.275 |
| Price To Free Cash Flow Ratio | 84.469 | ▲79.459 | ▲49.353 |
| Price To Operating Cash Flow Ratio | 77.967 | ▲73.330 | ▲46.286 |
| Debt To Assets Ratio | 3.675 | ▲0.900 | ▲0.126 |
| Debt To Equity Ratio | -1.055 | ▼-0.690 | ▼-0.431 |
| Debt To Capital Ratio | 19.191 | ▲19.766 | ▲13.260 |
| Long Term Debt To Capital Ratio | 19.191 | ▲19.710 | ▲13.236 |
| Financial Leverage Ratio | -0.287 | ▼-0.155 | ▼-0.112 |
| Working Capital Turnover Ratio | -23.340 | ▼-4.387 | ▼-9.242 |
| Operating Cash Flow Ratio | 0.979 | ▼-0.049 | ▲0.096 |
| Operating Cash Flow Sales Ratio | 0.324 | ▼-0.095 | ▲0.003 |
| Free Cash Flow Operating Cash Flow Ratio | 0.923 | ▼-0.003 | ▲0.045 |
| Debt Service Coverage Ratio | 3.254 | ▲1.139 | ▲0.871 |
| Interest Coverage Ratio | 4.378 | ▲0.471 | ▲0.906 |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | ▼-5.839 | ▼-5.218 |
| Operating Cash Flow Coverage Ratio | 0.215 | ▼-0.158 | ▼-0.017 |
| Capital Expenditure Coverage Ratio | 12.992 | ▼-0.454 | ▲2.637 |
| Dividend Paid And Capex Coverage Ratio | 0.289 | ▼-13.158 | ▼-4.308 |
| Dividend Payout Ratio | 4.678 | ▲4.678 | ▼-3.200 |
| Enterprise Value Multiple | 56.363 | ▲51.013 | ▲32.986 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| Market cap | $4.03B | $231.5M | $231.9M | |
| Enterprise value | $4.26B | $358.1M | $398.7M | |
| EV / Sales | 26.70x | 3.00x | 4.70x | |
| EV / Op. cash flow | 82.46x | 7.17x | 21.38x | |
| EV / Free cash flow | 89.33x | 7.75x | 27.27x | |
| EV / EBITDA | 56.36x | 5.35x | 8.42x | |
| Net debt / EBITDA | 3.07x | 1.89x | 3.52x | |
| Current ratio | 0.99x | 0.72x | 1.03x | |
| Income quality | 1.38x | 1.44x | 1.04x | |
| Graham net-net | -$2 | -$43 | -$45 | |
| Tax burden | 69.8% | 74.6% | 75.0% | |
| Interest burden | 74.6% | 72.6% | 52.8% | |
| Working capital | -$331K | -$13.3M | $752K | |
| Invested capital | $3.9M | -$3.3M | $10.1M | |
| Return on assets | 57.3% | 71.8% | 42.9% | |
| Operating ROA | 140.8% | 152.4% | 0.0% | |
| Return on tangible assets | 61.3% | 90.7% | 55.3% | |
| Return on equity | -16.4% | -9.5% | -4.6% | |
| Return on invested capital | 445.5% | 627.5% | 235.5% | |
| Return on capital employed | 638.6% | -16532.9% | 361.7% | |
| Earnings yield | 0.9% | 14.9% | 7.7% | |
| Free cash flow yield | 1.2% | 20.0% | 6.3% | |
| Capex / Op. cash flow | 7.7% | 7.4% | 21.6% | |
| Capex / Depreciation | 107.1% | 122.7% | 184.7% | |
| Capex / Sales | 2.5% | 3.1% | 4.7% | |
| SG&A / Sales | 6.3% | 6.5% | 8.1% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 7.2% | 0.2% | 0.0% | |
| Intangibles / Total assets | 6.5% | 20.8% | 22.4% | |
| Days sales outstanding | 24d | 21d | 21d | |
| Days payables outstanding | 66d | 88d | 89d | |
| Operating cycle | 24d | 21d | 21d | |
| Cash conversion cycle | -41d | -68d | -68d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Change over 5 years
Employee count
Peer market caps
Recent news
- 2026-09-02 Neptune Insurance (NYSE:NP) Shares Pass Above Two Hundred Day Moving Average – Here’s What Happened Neptune Insurance Holdings Inc. (NYSE: NP - Get Free Report) passed above its two hundred day moving average during trading on Tuesday. The stock has a two hundred day moving average of $27.32 and traded as high as $33.73. Neptune Insurance shares last traded at $32.72, with a volume of 337,600 shares changing hands. Wall
- 2026-08-17 Insider Selling: Neptune Insurance (NYSE:NP) CFO Sells $1,807,850.52 in Stock Neptune Insurance Holdings Inc. (NYSE: NP - Get Free Report) CFO James Steiner sold 57,012 shares of Neptune Insurance stock in a transaction that occurred on Thursday, August 13th. The shares were sold at an average price of $31.71, for a total transaction of $1,807,850.52. Following the completion of the transaction, the chief financial officer directly
- 2026-08-08 Critical Survey: Universal Insurance (NYSE:UVE) versus Neptune Insurance (NYSE:NP) Neptune Insurance (NYSE: NP - Get Free Report) and Universal Insurance (NYSE: UVE - Get Free Report) are both finance companies, but which is the superior business? We will contrast the two businesses based on the strength of their earnings, valuation, dividends, profitability, analyst recommendations, institutional ownership and risk. Insider and Institutional Ownership 66.6% of Universal Insurance
- 2026-07-22 Neptune Insurance Holdings Inc. (NP) Q2 2026 Earnings Call Transcript Neptune Insurance Holdings Inc. (NP) Q2 2026 Earnings Call Transcript
- 2026-07-21 Compared to Estimates, Neptune Insurance Holdings Inc. (NP) Q2 Earnings: A Look at Key Metrics Although the revenue and EPS for Neptune Insurance Holdings Inc. (NP) give a sense of how its business performed in the quarter ended June 2026, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers.
- 2026-07-21 Neptune Insurance Holdings Inc. Reports Second Quarter 2026 Results ST. PETERSBURG, Fla.--(BUSINESS WIRE)---- $NP--Neptune Insurance Holdings Inc. (the “Company”) (NYSE: NP), the parent company of Neptune Flood Incorporated, has released its financial results for the second quarter of 2026 by posting an update on its Investor Relations website. The earnings presentation can be viewed by clicking here or visiting investors.neptuneflood.com. Second Quarter 2026 Highlights Revenue growth of 33% to a record $55.9 million Net income increase of 36% to a record $15.8 million.
- 2026-07-10 Neptune Insurance Holdings to Announce Second Quarter 2026 Financial Results ST. PETERSBURG, Fla.--(BUSINESS WIRE)---- $NP--Neptune Insurance Holdings Inc. (“Neptune” or the “Company”) (NYSE: NP), the parent company of Neptune Flood Incorporated, today announced that it will report its financial results for the second quarter ended June 30, 2026, after the market closes on July 21, 2026. The company plans to host a conference call and webcast to discuss its financial results at 8:30 AM ET on Wednesday, July 22. The dial-in number for the conference call is (800) 715-9871 or (64.
- 2026-07-02 IPO Stock Of The Week: Neptune Insurance Breaks Out Past New Buy Point Amid Volatile Market Action Insurance leader Neptune stock breaks out above its latest buy point amid a volatile stock market environment.
- 2026-06-25 Neptune Raises Building Coverage Limits to $15 Million and Expands Flood Insurance Coverage Options ST. PETERSBURG, Fla.--(BUSINESS WIRE)--Neptune Insurance Holdings, Inc. (NYSE: NP), the nation''s largest private flood insurance provider, today announced a major expansion of its flood insurance product line. Neptune has increased building coverage limits to $15 million across all primary and excess flood policies while introducing new and enhanced coverages for residential, commercial, and residential condominium building association (RCBAP) policyholders. The expanded offerings are now avail.