Neptune Insurance Holdings Inc. (NP) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Neptune Insurance Holdings Inc. stock (NP) is currently trading at $22.21. Neptune Insurance Holdings Inc. PS ratio (Price-to-Sales) is 19.01. Analyst consensus price target for NP is $26.79. WallStSmart rates NP as Underperform.
- NP PE ratio analysis and historical PE chart
- NP PS ratio (Price-to-Sales) history and trend
- NP intrinsic value — DCF, Graham Number, EPV models
- NP stock price prediction 2025 2026 2027 2028 2029 2030
- NP fair value vs current price
- NP insider transactions and insider buying
- Is NP undervalued or overvalued?
- Neptune Insurance Holdings Inc. financial analysis — revenue, earnings, cash flow
- NP Piotroski F-Score and Altman Z-Score
- NP analyst price target and Smart Rating
Neptune Insurance Holdings Inc.
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Smart Analysis
Neptune Insurance Holdings Inc. (NP) · 7 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, revenue growth, profit margin. Concerns around price/sales and eps growth. Mixed signals suggest waiting for clearer direction before acting.
Neptune Insurance Holdings Inc. (NP) Key Strengths (5)
Keeps $32 of every $100 in revenue after operating costs
Revenue surging 38.90% year-over-year
Keeps $23 of every $100 in revenue as net profit
90.49% of shares held by major funds and institutions
Mid-cap company balancing growth potential with stability
Supporting Valuation Data
Neptune Insurance Holdings Inc. (NP) Areas to Watch (2)
Earnings declining -48.40%, profits shrinking
Very expensive at 19.0x annual revenue
Supporting Valuation Data
Neptune Insurance Holdings Inc. (NP) Detailed Analysis Report
Overall Assessment
This company scores 45/100 in our Smart Analysis, earning a D+ grade. Out of 7 metrics analyzed, 5 register as strengths (avg 9.4/10) while 2 fall into concern territory (avg 1.0/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, Revenue Growth, Profit Margin. Profitability is solid with Operating Margin at 31.60%, Profit Margin at 23.40%. Growth metrics are encouraging with Revenue Growth at 38.90%.
The Bear Case
The primary concerns are EPS Growth, Price/Sales. Some valuation metrics including Price/Sales (19.01) suggest expensive pricing. Growth concerns include EPS Growth at -48.40%, which may limit upside.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether EPS Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Operating Margin at 31.60% currently healthy but needing to be sustained. Third, growth sustainability, with Revenue Growth at 38.90% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a higher risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Fundamental challenges outweigh strengths at current levels. EPS Growth and Price/Sales are the primary drags. Consider waiting for meaningful improvement before committing capital.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
NP Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
NP's Price-to-Sales ratio of 19.01x sits near its historical average of 18.21x (71th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 1% below its historical high of 19.2x set in Mar 2026, and 16% above its historical low of 16.37x in Mar 2026.
WallStSmart Analysis Synopsis
Data-driven financial summary for Neptune Insurance Holdings Inc. (NP) · FINANCIAL SERVICES › INSURANCE BROKERS
The Big Picture
Neptune Insurance Holdings Inc. is a strong growth company balancing expansion with improving profitability. Revenue reached 160M with 39% growth year-over-year. Profit margins are strong at 23.4%, reflecting pricing power and operational efficiency.
Key Findings
Revenue growing at 39% YoY, reaching 160M. This pace significantly outperforms most INSURANCE BROKERS peers.
Profit margin of 23.4% and operating margin of 31.6% demonstrate strong pricing power and operational efficiency.
Earnings fell 48% YoY while revenue grew 39%. This gap usually reflects one-time items (tax benefits, write-offs) in the prior period, not an operational decline.
What to Watch Next
Growth sustainability: can Neptune Insurance Holdings Inc. maintain 39%+ revenue growth, or will competition slow it down?
Sector dynamics: monitor INSURANCE BROKERS industry trends, competitive moves, and regulatory changes that could impact Neptune Insurance Holdings Inc..
Bottom Line
Neptune Insurance Holdings Inc. offers an attractive blend of growth (39% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Neptune Insurance Holdings Inc.(NP)
NYSE
FINANCIAL SERVICES
INSURANCE BROKERS
USA
Neenah, Inc., a specialty materials company, produces and sells performance-based technical products and fine paper and packaging products worldwide. The company is headquartered in Alpharetta, Georgia.