NP
VENTE TOTALE: 100 000 titres (~3 143 843,84 $ US)
- Insiders
- Steiner James
- Total bought
- —
- Total sold
- $3,143,844
- Last activity
- 2026-08-13
- Last synced
-
2026-08-21 23:36:53
Insider holdings as a share of total assets aren't available for this company.
Price (1 year)
Live chart from TradingView - pulls its own market data, independent of this site's database. Symbol resolution is best-effort (defaults to NASDAQ) since we don't store the exchange prefix.
Market snapshot
Signal
Bearish signal Scored 2026-08-16
NP presents a structurally weak financial profile with a near-1.0 current ratio, spiking debt-to-EBITDA, a speculative P/E of 108, and an unsustainable dividend policy against a negative ROE — all pointing to…
The first sentence of the analysis written for NP on 2026-08-16 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
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
Valuation
Market cap ▲+1640.1%EV / Sales ▲+789.7%EV / EBITDA ▲+953.5%EV / Op. cash flow ▲+75.284Earnings yield ▼-0.140
Profitability
Return on equity ▼-0.070Return on assets ▼-0.145Return on invested capital ▼-1.820Return on capital employed ▲+171.715Operating ROA ▼-0.116Income quality ▼-0.062Tax burden ▼-0.048
Efficiency
Days sales outstanding ▲+3.737Days payables outstanding ▼-22.773Operating cycle ▲+3.737Cash conversion cycle ▲+26.511Capex / Sales ▼-0.006R&D / Sales n/a
Balance-sheet strength
Current ratio ▲+0.268Net debt / EBITDA ▲+1.178Working capital ▲+13010000.000Invested capital ▲+7244000.000Intangibles / Total assets ▼-0.143
Change over 5 years
Valuation
Market cap ▲+1636.9%EV / Sales ▲+468.5%EV / EBITDA ▲+569.6%EV / Op. cash flow ▲+61.077Earnings yield ▼-0.068
Profitability
Return on equity ▼-0.118Return on assets ▲+0.144Return on invested capital ▲+2.099Return on capital employed ▲+2.769Operating ROA n/aIncome quality ▲+0.339Tax burden ▼-0.052
Efficiency
Days sales outstanding ▲+3.291Days payables outstanding ▼-23.392Operating cycle ▲+3.291Cash conversion cycle ▲+26.682Capex / Sales ▼-0.023R&D / Sales n/a
Balance-sheet strength
Current ratio ▼-0.032Net debt / EBITDA ▼-0.451Working capital ▼-1083000.000Invested capital ▼-6162000.000Intangibles / Total assets ▼-0.159
Employee count
Peer market caps
Congressional trades
No congressional trade data synced.
Recent news
- 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.
- 2026-05-21 Neptune Launches Atlas+, an AI-Powered Platform Experience Designed to Turn Insurance Agents into Super Agents ST. PETERSBURG, Fla.--(BUSINESS WIRE)--Neptune Insurance Holdings, Inc. (“Neptune”) (NYSE: NP), the largest private flood insurance provider in the United States, today announced the nationwide launch of Atlas+, Neptune''s new AI-powered platform experience for insurance agents. Atlas+ is designed to help agents become flood insurance sales experts by bringing generative AI directly into the Neptune Agent Portal. Beginning this week, agents using Neptune will be able to use Atlas+ to generate cu.
- 2026-05-19 Neptune Insurance Holdings Inc. Announces Full Exercise of Underwriters'' Option to Purchase Additional Shares of Class A Common Stock ST. PETERSBURG, Fla.--(BUSINESS WIRE)---- $NP--Neptune Insurance Holdings Inc. (the “Company”) (NYSE: NP), the parent company of Neptune Flood Incorporated, today announced that, in connection with the secondary offering of 9,841,395 shares of its Class A common stock by certain selling securityholders, the underwriters have fully exercised their option to purchase an additional 1,476,209 shares of Class A common stock from the selling securityholders. The Company will not receive any proceeds from the.