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Friday 6 November 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.
- Revenue
- +34.3%
- EPS
- +116.7%
- Free cash flow
- +66.5%
- Total debt
- −18.1%
Quarter to September 2026, against a year earlier
27.57
0.36
−1.29%
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Target Price Range
Analyst price targets
Free accountTen years at a glance Fiscal years to December
| Ten-year view | Analyst estimates Powerpack | |||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group | Line | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM Sep ’26 | Trend | 10 yrs | 2026e | 2027e | 2028e | Next 3/yr |
| Income, $m | ||||||||||||||||||
| Income, $m | Revenue | — | — | — | — | — | — | — | 85 | 119 | 160 | 197 | +37.1% | 206 | 243 | 279 | +20.5% | |
| Gross margin, % | — | — | — | — | — | — | — | 100.00 | 100.00 | 100.00 | 100.00 | 0.0 pt | ||||||
| EBT | — | — | — | — | — | — | — | 24 | 46 | 54 | 67 | +49.9% | ||||||
| EBT margin, % | — | — | — | — | — | — | — | 28.11 | 38.88 | 33.62 | 34.05 | +5.5 pt | ||||||
| Net income | — | — | — | — | — | — | — | 18 | 35 | 37 | 45 | +44.6% | ||||||
| Per share, $ | ||||||||||||||||||
| Per share, $ | Revenue | — | — | — | — | — | — | — | 0.91 | 1.28 | 1.53 | 1.44 | +29.7% | |||||
| Earnings | — | — | — | — | — | — | — | 0.10 | 0.16 | (0.26) | 0.32 | n/m | ||||||
| Cash flow | — | — | — | — | — | — | — | 0.20 | 0.53 | 0.49 | 0.60 | +57.5% | ||||||
| Capex | — | — | — | — | — | — | — | (0.04) | (0.04) | (0.04) | (0.03) | (6.0%) | ||||||
| Free cash flow | — | — | — | — | — | — | — | 0.16 | 0.50 | 0.46 | 0.57 | +70.9% | ||||||
| Book value | — | — | — | — | — | — | — | 0.00 | (1.34) | (2.18) | (1.54) | n/m | ||||||
| Shares, m | — | — | — | — | — | — | — | 94 | 93 | 105 | 129 | +5.7% | ||||||
| Valuation, × | ||||||||||||||||||
| Valuation, × | P/E | — | — | — | — | — | — | — | 0.00 | 0.00 | 0.00 | 86.72 | 0.0 | |||||
| P/S | — | — | — | — | — | — | — | 15.47 | 15.47 | 19.10 | 19.34 | 16.7 | ||||||
| P/B | — | — | — | — | — | — | — | 0.00 | 0.00 | 0.00 | 0.00 | 0.0 | ||||||
| EV/Sales | — | — | — | — | — | — | — | 16.84 | 16.84 | 20.44 | — | 18.0 | ||||||
| EV/FCF | — | — | — | — | — | — | — | (1,370.33) | (1,370.33) | 68.39 | — | (890.8) | ||||||
| Cash, $m | ||||||||||||||||||
| Cash, $m | Operating cash flow | — | — | — | — | — | — | — | 19 | 50 | 52 | 82 | +66.5% | |||||
| Capex | — | — | — | — | — | — | — | (4) | (4) | (4) | (4) | (0.7%) | ||||||
| Free cash flow | — | — | — | — | — | — | — | 15 | 46 | 48 | 78 | +80.6% | ||||||
| Balance, $m | ||||||||||||||||||
| Balance, $m | Working capital | — | — | — | — | — | — | — | — | 5 | 21 | 34 | +296.0% | |||||
| Net debt | — | — | — | — | — | — | — | — | 106 | 199 | 137 | +88.9% | ||||||
| Shareholders’ equity | — | — | — | — | — | — | — | — | (126) | (227) | (212) | +81.2% | ||||||
| Returns, % | ||||||||||||||||||
| Returns, % | ROA | — | — | — | — | — | — | — | 0.00 | 61.14 | (47.94) | 46.20 | (47.9) pt | |||||
| ROIC | — | — | — | — | — | — | — | 0.00 | 0.00 | 0.00 | 0.00 | 0.0 pt | ||||||
| ROE | — | — | — | — | — | — | — | 0.00 | 0.00 | 9.16 | (12.40) | +9.2 pt | ||||||
| People | ||||||||||||||||||
| People | Employees | — | — | — | — | — | — | — | — | 60 | 62 | — | +3.3% | |||||
| Revenue/emp, $m | — | — | — | — | — | — | — | 0.00 | 1.99 | 2.57 | — | n/m | ||||||
Negative figures in brackets.
estimates
Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 2 Nov 2026
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 |
|---|---|---|---|---|---|---|---|---|---|
| ERIE Erie Indemnity Company | $13.3B | 22.9× | 20.6× | +0.30% (above 0%: growing) | +0.25% (above 0%: growing) | +0.52% (above 0%: growing) | 19.38% | 19.38% | Compare |
| RYAN Ryan Specialty Holdings Inc. | $12.1B | 57.8× | 48.0× | +4.69% (above 0%: growing) | +25.00% (above 0%: growing) | +4.14% (above 0%: growing) | 100.00% | 17.83% | 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 |
| CRVL CorVel Corp. | $4.3B | 35.9× | — | +11.47% (above 0%: growing) | +24.89% (above 0%: growing) | +8.94% (above 0%: growing) | 27.07% | 17.16% | Compare |
| ARX Accelerant Holdings | $4.3B | — (loss-making) | 46.1× | +62.89% (above 0%: growing) | +620.00% (above 0%: growing) | −139.56% (below 0%: shrinking) | 100.00% | 30.96% | Compare |
| NP Neptune Insurance Holdings Inc. | $3.9B | 86.7× | 77.9× | +34.27% (above 0%: growing) | +116.67% (above 0%: growing) | +66.53% (above 0%: growing) | 100.00% | 46.95% | |
| LIFE Ethos Technologies Inc. | $2.1B | — (loss-making) | — (loss-making) | +164.74% (above 0%: growing) | −93.50% (below 0%: shrinking) | +209.99% (above 0%: growing) | 100.00% | 1.64% | Compare |
| GSHD Goosehead Insurance | $2.0B | 39.4× | 32.3× | +20.59% (above 0%: growing) | +110.00% (above 0%: growing) | −63.75% (below 0%: shrinking) | 100.00% | 23.45% | Compare |
| TWFG TWFG, Inc. | $1.6B | 51.3× | 36.1× | +24.63% (above 0%: growing) | −18.18% (below 0%: shrinking) | +0.49% (above 0%: growing) | 47.58% | 11.30% | Compare |
| Median of peers | $4.3B | 39.4× | 36.1× | +22.61% | +24.89% | +2.33% | 73.79% | 17.50% |
Neptune Insurance Holdings Inc. (NP) Latest News
20 Oct
23 Sep
22 Jul
2 Jul
25 Jun
11 May
22 Apr
NP metrics, ten years each
- Revenue
- Net income
- EPS (diluted)
- EBITDA
- Free cash flow
- Operating cash flow
- Gross margin
- Operating margin
- Net margin
- Free cash flow margin
- P/E ratio
- P/S ratio
- P/B ratio
- Price to free cash flow
- Return on equity
- Return on assets
- Return on invested capital
- Debt to equity
- Shares outstanding
- Book value per share