Neptune Insurance (NP) Stock Price, News & Analysis

Company Overview

Neptune Insurance is a technology-enabled provider of private flood insurance. Founded in 2016, the company uses data analytics and risk modeling to assess flood exposure and support policy underwriting and distribution.

Its products include flood coverage for residential and commercial properties, with options for protection of buildings and contents. Neptune distributes its policies through a network of insurance agents and serves customers across the United States.

Founder Trevor Burgess has served as the company’s chief executive officer. Neptune offers an alternative to coverage available through the federal National Flood Insurance Program, subject to policy terms and availability.

Key Stats

• Today's Range: $27.95 to $28.60
• 50-Day Range: $27.15 to $33.46
• 52-Week Range: $14.78 to $35.15
• Volume: 50,711 shs
• Average Volume: 595,903 shs
• Market Capitalization: $3.92 billion
• P/E Ratio: 88.63
• Dividend Yield: N/A
• Price Target: $32.29
• Consensus Rating: Moderate Buy

Neptune Insurance Stock Analysis - MarketRank™

Neptune Insurance scored higher than 75% of companies evaluated by MarketBeat, and ranked 402nd out of 852 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 3.4 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

Neptune Insurance has received a consensus rating of Moderate Buy. The company's average rating score is 2.54, and is based on no strong buy ratings, 7 buy ratings, 6 hold ratings, and no sell ratings.

Upside Potential

Neptune Insurance has a consensus price target of $32.29, representing about 14.4% upside from its current price of $28.22.

Amount of Analyst Coverage

Neptune Insurance has been the subject of 7 research reports in the past 90 days, demonstrating strong analyst interest in this stock.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: 26.83%

Earnings Growth

Earnings for Neptune Insurance are expected to grow by 26.83% in the coming year, from $0.41 to $0.52 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Neptune Insurance is 88.20, which means that it is trading at a more expensive P/E ratio than the market average P/E ratio of about 25.84.

Price to Earnings Ratio vs. Sector

The P/E ratio of Neptune Insurance is 88.20, which means that it is trading at a more expensive P/E ratio than the Finance sector average P/E ratio of about 20.60.

Price to Earnings Growth Ratio

Neptune Insurance has a PEG Ratio of 2.86. PEG Ratios above 1 indicate that a company could be overvalued.

Short Interest

• Score: 4.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

6.01% of the float of Neptune Insurance has been sold short.

Short Interest Ratio / Days to Cover

Neptune Insurance has a short interest ratio ("days to cover") of 3.38, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Neptune Insurance has recently decreased by 7.97%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 0.0 / 5
• Dividend Strength: Weak

Dividend Yield

Neptune Insurance does not currently pay a dividend.

Dividend Growth

Neptune Insurance does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of Neptune Insurance is 593.75%. Payout ratios above 75% are not desirable because they may not be sustainable.

Dividend Sustainability

Based on EPS estimates, Neptune Insurance will have a dividend payout ratio of 365.38% in the coming year. This indicates that Neptune Insurance may not be able to sustain their current dividend.

News and Social Media

• Score: 2.7 / 5
• News Sentiment: 0.33

News Sentiment

Neptune Insurance has a news sentiment score of 0.33. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.65 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 17 news articles for Neptune Insurance this week, compared to 3 articles on an average week.

MarketBeat Follows

1 people have added Neptune Insurance to their MarketBeat watchlist in the last 30 days.

Company Ownership

• Score: 1.4 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, Neptune Insurance insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $20,874,196.00 in company stock.

Percentage Held by Insiders

74.26% of the stock of Neptune Insurance is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

Neptune Insurance has minimal institutional ownership at this time.

Company Calendar

• Last Earnings: 10/20/2026
• Today: 11/11/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NYSE
• Sector: Finance
• Industry: Insurance
• Sub-Industry: Insurance Brokers
• Current Symbol: NYSE:NP
• CIK: 2067129
• Web: neptuneflood.com
• Phone: (727) 202-4815
• Fax: 678-518-3284
• Employees: 61
• Year Founded: 2016

Price Target and Rating

• Average Price Target for Neptune Insurance: $32.29
• High Price Target: $39.00
• Low Price Target: $24.00
• Potential Upside/Downside: +13.9%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.54
• Research Coverage: 13 Analysts

Profitability

• EPS (Trailing Twelve Months): $0.32
• Trailing P/E Ratio: 88.63
• Forward P/E Ratio: 54.54
• P/E Growth: 2.86
• Net Income: $37.41 million
• Net Margins: 22.71%
• Pretax Margin: 34.05%
• Return on Equity: -26.63%
• Return on Assets: 65.29%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: 1.60
• Quick Ratio: 1.60

Sales & Book Value

• Annual Sales: $197.00 million
• Price / Sales: 19.89
• Cash Flow: $0.45 per share
• Price / Cash Flow: 63.51
• Book Value: ($1.53) per share
• Price / Book: -18.54

Miscellaneous

• Outstanding Shares: 138,172,000
• Free Float: 35,565,000
• Market Cap: $3.92 billion
• Optionable: Optionable
• Beta: N/A