Saturday 17 October 2026
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Neptune Insurance Holdings Inc.
NP Financial Insurance Brokers
Neptune Insurance Holdings Inc.’s revenue for fiscal 2025 (year ended December 2025) was $159.6 million, up 33.7% from fiscal 2024. In the quarter to June 2026, revenue grew 32.8%, EPS fell 11.7%, free cash flow grew 234.1% and total debt rose 79.6%, each against the same quarter a year earlier. Dividend growth for ten consecutive years; insiders bought in the last twelve months.
29.36
0.09
−0.31%
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Target Price Range
Analyst price targets
Free accountTen years at a glance Fiscal years to December
| Group | Line | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Trend | 2026e | 2027e | 2028e |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Price, $ | |||||||||||||||
| Price, $ | Low | — | — | — | — | — | — | — | — | — | 22.00 |
Analyst estimates 2026–2028 Powerpack |
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| High | — | — | — | — | — | — | — | — | — | 33.24 | |||||
| People | |||||||||||||||
| People | Employees | — | — | — | — | — | — | — | — | 60 | 62 | ||||
| Revenue/emp, $m | — | — | — | — | — | — | — | 0.00 | 1.99 | 2.57 | |||||
| Income, $m | |||||||||||||||
| Income, $m | Revenue | — | — | — | — | — | — | — | 85 | 119 | 160 | ||||
| Gross margin, % | — | — | — | — | — | — | — | 100.00 | 100.00 | 100.00 | |||||
| EBT | — | — | — | — | — | — | — | 24 | 46 | 54 | |||||
| EBT margin, % | — | — | — | — | — | — | — | 28.11 | 38.88 | 33.62 | |||||
| Net income | — | — | — | — | — | — | — | 18 | 35 | 37 | |||||
| Depreciation | — | — | — | — | — | — | — | 3 | 4 | 4 | |||||
| Per share, $ | |||||||||||||||
| Per share, $ | Revenue | — | — | — | — | — | — | — | 0.91 | 1.28 | 1.53 | ||||
| Earnings | — | — | — | — | — | — | — | 0.19 | 0.37 | (0.26) | |||||
| Cash flow | — | — | — | — | — | — | — | 0.20 | 0.53 | 0.49 | |||||
| Capex | — | — | — | — | — | — | — | (0.04) | (0.04) | (0.04) | |||||
| Free cash flow | — | — | — | — | — | — | — | 0.16 | 0.50 | 0.46 | |||||
| Book value | — | — | — | — | — | — | — | 0.00 | (1.34) | (2.18) | |||||
| Shares, m | — | — | — | — | — | — | — | 94 | 93 | 105 | |||||
| Valuation, × | |||||||||||||||
| Valuation, × | P/E | — | — | — | — | — | — | — | 58.98 | 58.98 | 90.84 | ||||
| P/S | — | — | — | — | — | — | — | 15.47 | 15.47 | 19.10 | |||||
| P/B | — | — | — | — | — | — | — | 0.00 | 0.00 | 0.00 | |||||
| EV/Sales | — | — | — | — | — | — | — | 16.84 | 16.84 | 20.44 | |||||
| EV/FCF | — | — | — | — | — | — | — | (1,370.33) | (1,370.33) | 68.39 | |||||
| Cash, $m | |||||||||||||||
| Cash, $m | Operating cash flow | — | — | — | — | — | — | — | 19 | 50 | 52 | ||||
| Capex | — | — | — | — | — | — | — | (4) | (4) | (4) | |||||
| Free cash flow | — | — | — | — | — | — | — | 15 | 46 | 48 | |||||
| Balance, $m | |||||||||||||||
| Balance, $m | Working capital | — | — | — | — | — | — | — | — | 5 | 21 | ||||
| Total debt | — | — | — | — | — | — | — | — | 134 | 240 | |||||
| Net debt | — | — | — | — | — | — | — | — | 106 | 199 | |||||
| Shareholders’ equity | — | — | — | — | — | — | — | — | (126) | (227) | |||||
| Returns, % | |||||||||||||||
| Returns, % | ROA | — | — | — | — | — | — | — | 0.00 | 61.14 | (47.94) | ||||
| ROIC | — | — | — | — | — | — | — | 0.00 | 0.00 | 0.00 | |||||
| ROE | — | — | — | — | — | — | — | 0.00 | 0.00 | 9.16 | |||||
Negative figures in brackets.
Fiscal years to Dec 2025 · latest quarter Jun 2026
Charts ten years each
Neptune Insurance Holdings Inc. vs peers in Insurance Brokers (Q) = latest quarter vs a year earlier
| Company | Market cap | P/E | Fwd P/E | Revenue growth (Q) | EPS growth (Q) | FCF growth (Q) | Gross margin (Q) | EBIT margin (Q) | Compare |
|---|---|---|---|---|---|---|---|---|---|
| BRO Brown & Brown, Inc. | $22.8B | 19.3× | 17.6× | +30.43% (above 0%: growing) | +8.86% (above 0%: growing) | +6.75% (above 0%: growing) | 50.00% | 28.82% | Compare |
| ERIE Erie Indemnity Company | $11.1B | 19.7× | 18.0× | +2.80% (above 0%: growing) | +3.20% (above 0%: growing) | +10.22% (above 0%: growing) | 18.73% | 18.73% | Compare |
| BWIN Baldwin Insurance Group, Inc. | $4.5B | — (loss-making) | — (loss-making) | +30.13% (above 0%: growing) | n/m | +208.10% (above 0%: growing) | 31.81% | (1.69%) | Compare |
| ARX Accelerant Holdings | $4.3B | — (loss-making) | 143× | +62.89% (above 0%: growing) | +620.00% (above 0%: growing) | −139.56% (below 0%: shrinking) | 100.00% | 30.96% | Compare |
| CRVL CorVel Corp. | $4.1B | 35.4× | — | +10.74% (above 0%: growing) | +18.87% (above 0%: growing) | +8.94% (above 0%: growing) | 26.08% | 16.67% | Compare |
| NP Neptune Insurance Holdings Inc. | $4.0B | 117× | 68.6× | +32.82% (above 0%: growing) | −11.65% (below 0%: shrinking) | +234.05% (above 0%: growing) | 100.00% | 47.52% | |
| GSHD Goosehead Insurance | $1.6B | 32.4× | 28.6× | +20.59% (above 0%: growing) | +110.00% (above 0%: growing) | −63.75% (below 0%: shrinking) | 100.00% | 23.45% | Compare |
| TWFG TWFG, Inc. | $1.4B | 43.0× | 36.6× | +45.11% (above 0%: growing) | +38.46% (above 0%: growing) | +42.74% (above 0%: growing) | 51.44% | 20.10% | Compare |
| CRD.A Crawford & Company | $581.9M | 26.1× | — | −1.37% (below 0%: shrinking) | +75.00% (above 0%: growing) | −51.68% (below 0%: shrinking) | 28.78% | 7.68% | Compare |
| Median of peers | $4.2B | 29.3× | 28.6× | +25.36% | +38.46% | +7.84% | 40.91% | 19.42% |
Neptune Insurance Holdings Inc. (NP) key facts
- Strength: Neptune Insurance Holdings Inc.’s revenue for fiscal 2025 (year ended December 2025) was $159.6 million, up 33.7% from fiscal 2024.
- Neptune Insurance Holdings Inc. (NP) is an Insurance Brokers company in the Financial sector, listed on the New York Stock Exchange.
- As of October 16, 2026, NP traded at $29.36, a market capitalization of $4.0 billion.
- Return on equity was 9.16% and debt-to-equity -1.08.