# Neptune Insurance Holdings share price today (Neptune Insurance Holdings Inc., NP)

> Neptune Insurance Holdings Inc.'s balance sheet is under water: its net worth is negative, so it owes more than it owns. This is a high-risk situation: shareholders can be wiped out by new shares or a restructuring before the business recovers. NP · Financials · Insurance Brokers · data as of 3 November 2026. Page: https://www.sectoralpha.in/us/stocks/np

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## Key numbers

- Price: $29.25 (+13.9% in a year)
- Revenue (Sep 2026): $59.6 M (+34.3% on a year ago)
- Profit (Sep 2026): $17.3 M (+214.1% on a year ago)
- Net margin: 29.0% (+16.6 points on a year ago)

The main question: the share price moved +13.9% in a year while yearly earnings per share moved −265.0%. The difference came from the market paying a higher multiple. ## What is the Neptune Insurance Holdings share price today? Neptune Insurance Holdings Inc.'s share price was $29.25 at the close on 3 November 2026. That is 6.4% above its average price over the last 200 trading days. In the last 52 weeks it traded between $19 and $34, and at that close it sat 69% of the way up from that low. Over the past 13 weeks it has done worse than the S&P 500, and it has been behind for 8 weeks running. Over the last 1 year the share price moved −4% while the S&P 500 moved +13%, so it is behind the index over that whole period. It was last ahead over 13 weeks in the week of 11 September 2026. The chart above shows the 13-week comparison for every week. This page treats a rise as over when the price closes below its 200-day average on two Fridays in a row. ## What dividend does Neptune Insurance Holdings pay? Neptune Insurance Holdings Inc. pays no dividend. In the last 11 reported quarters it declared no dividend per share, so there is no payout history to chart and no yield to show. Companies like this usually keep their earnings in the business, so the cash-flow sections show where that cash goes. ## Which stock lists is Neptune Insurance Holdings on? Neptune Insurance Holdings is not in the Nasdaq 100, the S&P 500 or the Dow Jones 30, and is not on the US tech stocks list. ## Is Neptune Insurance Holdings profitable? Neptune Insurance Holdings Inc. earned $17.3 M of net profit in the Sep 2026 quarter, +214.1% on the same quarter a year earlier. The full FY25 year was a loss of $27.2 M. That is 29.0% of the quarter's revenue. The same quarter a year earlier earned $5.5 M. 1 of the last 11 reported quarters were loss-making. For the full year, FY25 profit was −$27.2 M (−284.8% on the year before). Why profit moved: revenue changed +34.3% on a year earlier and the margin moved +16.6 percentage points. Most of the change came from keeping more of each sale. On average over the last four quarters, profit changed +84.2% and revenue +33.7%. Profit is growing faster than sales: fixed costs are spread over more sales, so each extra dollar of revenue adds more to profit. ## How much revenue does Neptune Insurance Holdings make, and is it growing? Neptune Insurance Holdings Inc. reported $59.6 M of income in the Sep 2026 quarter, +34.3% on the same quarter a year earlier. That is the 7th quarter in a row with growth on the year before. Over 2 years it has grown 37.1% a year on average. The last full year, FY25, came in at $160 M. The last four reported quarters add to $197 M. FY25 revenue was $160 M, +33.7% on the year before. Recent pace: the last four quarters grew +33.7% on average, against 37.1% a year over the longer run, so this year is growing slower than its own long-run rate. ## How much does Neptune Insurance Holdings keep from what it earns? Neptune Insurance Holdings Inc.'s net margin was 29.0% in the Sep 2026 quarter, 16.6 percentage points higher than the same quarter a year ago. Across 3 years it has been between −17.0% and 12.3%. The latest quarter is above every full year in that period. Why: the net margin move is clear, but the cost details behind it are not in our data, so we show the move without guessing the reason. ## How many of Neptune Insurance Holdings' loans have gone bad? Neptune Insurance Holdings Inc. does not report loan-quality figures this page can read, so this section says so rather than guess. No bad-loan figures are filed in a form this page can read, and none are guessed from the profit line. The income, margin and return sections carry what this business does report. Why: loan quality drives a lender, but its details (new bad loans, recoveries, money set aside) are not in our data for this company. The sections around this one carry what we can back up. ## How fast is Neptune Insurance Holdings' loan book growing? Neptune Insurance Holdings Inc.'s revenue was $160 M in FY25, +33.7% on the year before, so the loan book is growing. The latest quarter was +34.3% on a year earlier. The net margin on that income is 29.0%, +16.6 percentage points on a year ago. Interest income stands in for the size of the loan book; changes in interest rates can move it a few points in any year. In short: a lender grows well when its loan book grows, its margin stays steady and its loans stay clean. Quarterly loan-quality figures are missing here, so revenue growth and margin are the two we watch. ## What is Neptune Insurance Holdings' P/BV ratio, and how does it compare with its own history? Neptune Insurance Holdings Inc. has no P/BV right now, because its earnings are negative. The revenue and margin sections are where a turn would show first. Measured against sales instead, the market values Neptune Insurance Holdings Inc. at 25.3× its FY25 revenue of $160 M. The P/BV comes back here once profit turns positive. Why the multiple is where it is: over the past year book value grew while the price moved +13.9%. Price and book value moved together, so the multiple stayed in its range. ## Is the Neptune Insurance Holdings business getting better or worse? Neptune Insurance Holdings Inc.'s business trend cannot be read yet. There are fewer than eight usable quarters of growth figures, so there is not enough history to read the trend. This is based on 7 quarters of 1 measure, with some gaps. Why it matters: with too little history, we say so rather than guess a direction. One or more growth lines have an extreme jump caused by comparing with a near-zero or loss-making quarter. Those jumps are capped before reading and drawn at the edge of the chart, so one odd quarter does not decide the result. The return figures here are yearly, not quarterly. They show level and direction only; they can support the growth lines but never decide the reading alone. There are fewer than eight usable quarters, so this page does not guess a direction from so little history. ## How much does Neptune Insurance Holdings earn on its equity and assets? Neptune Insurance Holdings Inc. earned a return on equity of 12% in FY25. Its lowest yearly reading on file was −12% in FY24. On its assets, every $100 earned about $58.26, before the effect of borrowing. For a lender the balance sheet is the business, so the return on equity and on assets have to be read together. That return is below the level a bank needs to grow its net worth quickly, which helps explain why its multiple is where it is. Why: the ROE chart shows the move, but the deposit-cost and bad-loan details behind it are not in our data. ## Does Neptune Insurance Holdings have too much debt? For a bank, borrowing is the raw material of the business, not a warning sign: it borrows money in order to lend it out. Its safety is read through its returns and its loans. Its safety is read from the bad-loan figures and the return on equity instead. For a manufacturer, debt is a claim on its profits. For a lender it is the stock it trades in, so the usual debt-to-equity test would mislead and is not used here. ## What is the Neptune Insurance Holdings shareholding pattern? 5.6% of Neptune Insurance Holdings Inc.'s tradable shares are in short positions, which are bets that the price will fall, so some traders are betting against it. At normal trading volumes, closing those positions would take about 4.1 days. US companies do not publish a quarter-by-quarter list of owners, so this page uses short interest instead. It is a single reading at one point in time; we do not have its history. Why it is at this level: the figure does not say who holds the short positions or why, so we show the level without guessing the story. ## How far is Neptune Insurance Holdings from balance-sheet trouble? For Neptune Insurance Holdings Inc., the Z-score is not used, because it was built for manufacturers, not lenders. For a lender, safety is read from its capital and bad-loan figures instead. ## How does Neptune Insurance Holdings rank in its industry? 52.0 out of 100, rank 14 of 15 in Insurance Brokers, with 41% of the evidence available. It is provisional, so it is ranked below companies with full evidence. Neptune Insurance Holdings Inc. scores 52.0 out of 100 against the 15 companies it is compared with in Insurance Brokers, ranking 14. Some evidence is missing, so the score is pulled toward the middle on purpose. The four parts add up to the total exactly: 17.2 + 16.9 + 9.8 + 8.1 = 52. This is the same number shown on the industry page; it is worked out once for the whole group and read here. What would change it: The score would fall if ROA turns down or gross NPA rises while the share price lags its sector. ## Which companies is Neptune Insurance Holdings compared with? Neptune Insurance Holdings ranks 14 of 15 Insurance Brokers companies on the 4-Factor Sector Score, with 52.0 out of 100. 1. [TWFG, Inc.](https://www.sectoralpha.in/us/stocks/twfg) TWFG · turning · Most evidence points up · 76% evidence 73.7 out of 100 Growth Capital Valuation Relative How the score adds up Growth & earnings 28.4/35 · Income 34.7% · Profit 80.7% · 71% evidence Capital efficiency 16.6/25 · ROA 8.3% · ROE 16.8% · GNPA n/a · 68% evidence Valuation 16.0/20 · P/BV 1.09× · P/BV÷ROE 0.07 · 70% evidence Relative strength 12.7/20 · Lead over its industry 3.7% · Lead over S&P 500 13.5% · 1 year 13.2% · 100% evidence · 5 of 12 weeks ahead Exact sum: 28.4 + 16.6 + 16 + 12.7 = 73.7 · What this means: Earnings, capital efficiency and relative strength all agree. The open questions are about management, upcoming events and risks. 2. [CorVel Corporation](https://www.sectoralpha.in/us/stocks/crvl) CRVL · breaking out · Evidence leans up · 76% evidence 59.6 out of 100 Growth Capital Valuation Relative How the score adds up Growth & earnings 16.1/35 · Income 7.2% · Profit 15% · 71% evidence Capital efficiency 19.4/25 · ROA 15.4% · ROE 32.2% · GNPA n/a · 68% evidence Valuation 5.2/20 · P/BV 7.8× · P/BV÷ROE 0.24 · 70% evidence Relative strength 18.9/20 · Lead over its industry 11.2% · Lead over S&P 500 22.2% · 1 year 8.8% · 100% evidence · 12 of 12 weeks ahead Exact sum: 16.1 + 19.4 + 5.2 + 18.9 = 59.6 · What this means: Relative strength against the index is 22.2%, and revenue and profit growth are weak. 3. [Brown & Brown, Inc.](https://www.sectoralpha.in/us/stocks/bro) BRO · turning · Evidence leans up · 76% evidence 56.2 out of 100 Growth Capital Valuation Relative How the score adds up Growth & earnings 22.0/35 · Income 34.6% · Profit 19.7% · 71% evidence Capital efficiency 14.2/25 · ROA 7.4% · ROE 13.6% · GNPA n/a · 68% evidence Valuation 13.7/20 · P/BV 1.73× · P/BV÷ROE 0.13 · 70% evidence Relative strength 6.3/20 · Lead over its industry -11.8% · Lead over S&P 500 -2.8% · 1 year -9.7% · 100% evidence · 6 of 12 weeks ahead Exact sum: 22 + 14.2 + 13.7 + 6.3 = 56.2 · What this means: The evidence is balanced: no factor stands out, so another reported quarter is needed before the picture is clearer. 4. [Arthur J. Gallagher & Co.](https://www.sectoralpha.in/us/stocks/ajg) AJG · turning · Evidence leans up · 76% evidence 56.1 out of 100 Growth Capital Valuation Relative How the score adds up Growth & earnings 18.4/35 · Income 30.8% · Profit -4.5% · 71% evidence Capital efficiency 13.4/25 · ROA 4.4% · ROE 14% · GNPA n/a · 68% evidence Valuation 9.8/20 · P/BV 2.48× · P/BV÷ROE 0.18 · 70% evidence Relative strength 14.5/20 · Lead over its industry -0.4% · Lead over S&P 500 9.7% · 1 year 9.4% · 100% evidence · 8 of 12 weeks ahead Exact sum: 18.4 + 13.4 + 9.8 + 14.5 = 56.1 · What this means: The evidence is balanced: no factor stands out, so another reported quarter is needed before the picture is clearer. 5. [Marsh & McLennan Companies, Inc.](https://www.sectoralpha.in/us/stocks/mrsh) MRSH · turning · Evidence leans up · 80% evidence 55.8 out of 100 Growth Capital Valuation Relative How the score adds up Growth & earnings 15.5/35 · Income 7.6% · Profit -1.9% · 81% evidence Capital efficiency 17.8/25 · ROA 8.2% · ROE 34.2% · GNPA n/a · 68% evidence Valuation 10.3/20 · P/BV 5.46× · P/BV÷ROE 0.16 · 70% evidence Relative strength 12.2/20 · Lead over its industry -2.2% · Lead over S&P 500 8.1% · 1 year 13.1% · 100% evidence · 6 of 12 weeks ahead Exact sum: 15.5 + 17.8 + 10.3 + 12.2 = 55.8 · What this means: The evidence is balanced: no factor stands out, so another reported quarter is needed before the picture is clearer. 6. [Goosehead Insurance, Inc.](https://www.sectoralpha.in/us/stocks/gshd) GSHD · basing · Evidence leans up · 64% evidence 54.4 out of 100 Growth Capital Valuation Relative How the score adds up Growth & earnings 24.5/35 · Income 17.6% · Profit 16.7% · 71% evidence Capital efficiency 18.6/25 · ROA 9.2% · ROE 461.2% · GNPA n/a · 68% evidence Valuation 10.9/20 · P/BV -6.09× · P/BV÷ROE n/a · 10% evidence Relative strength 0.4/20 · Lead over its industry -16.9% · Lead over S&P 500 -9.4% · 1 year -24.9% · 100% evidence · 5 of 12 weeks ahead Exact sum: 24.5 + 18.6 + 10.9 + 0.4 = 54.4 · What this means: Earnings are strong; relative strength in its sector is -16.9% and the one-year return is -24.9%. 7. [Aon plc](https://www.sectoralpha.in/us/stocks/aon) AON · basing · Evidence leans up · 76% evidence 51.1 out of 100 Growth Capital Valuation Relative How the score adds up Growth & earnings 19.5/35 · Income 4.9% · Profit 49.3% · 71% evidence Capital efficiency 18.9/25 · ROA 8.8% · ROE 50.8% · GNPA n/a · 68% evidence Valuation 11.2/20 · P/BV 7.3× · P/BV÷ROE 0.14 · 70% evidence Relative strength 1.5/20 · Lead over its industry -14.3% · Lead over S&P 500 -5.2% · 1 year -4.7% · 100% evidence · 2 of 12 weeks ahead Exact sum: 19.5 + 18.9 + 11.2 + 1.5 = 51.1 · What this means: The evidence is balanced: no factor stands out, so another reported quarter is needed before the picture is clearer. 8. [Willis Towers Watson Public Limited Company](https://www.sectoralpha.in/us/stocks/wtw) WTW · quiet · Evidence leans up · 76% evidence 50.4 out of 100 Growth Capital Valuation Relative How the score adds up Growth & earnings 22.6/35 · Income 3% · Profit 100% · 71% evidence Capital efficiency 13.4/25 · ROA 4.2% · ROE 15% · GNPA n/a · 68% evidence Valuation 7.4/20 · P/BV 3.18× · P/BV÷ROE 0.21 · 70% evidence Relative strength 7.0/20 · Lead over its industry -6.7% · Lead over S&P 500 2.9% · 1 year 0.5% · 100% evidence · 6 of 12 weeks ahead Exact sum: 22.6 + 13.4 + 7.4 + 7 = 50.4 · What this means: The evidence is balanced: no factor stands out, so another reported quarter is needed before the picture is clearer. 9. [Accelerant Holdings](https://www.sectoralpha.in/us/stocks/arx) ARX · leader · Evidence leans down · 64% evidence 47.7 out of 100 Growth Capital Valuation Relative How the score adds up Growth & earnings 12.8/35 · Income 55.5% · Profit -3137.8% · 71% evidence Capital efficiency 5.3/25 · ROA -0.2% · ROE -2.3% · GNPA n/a · 68% evidence Valuation 9.6/20 · P/BV 3.44× · P/BV÷ROE n/a · 10% evidence Relative strength 20.0/20 · Lead over its industry 13.5% · Lead over S&P 500 24.9% · 1 year 56.7% · 100% evidence · 12 of 12 weeks ahead Exact sum: 12.8 + 5.3 + 9.6 + 20 = 47.7 · What this means: Relative strength against the index is 24.9%, and revenue and profit growth are weak. 10. [Erie Indemnity Company](https://www.sectoralpha.in/us/stocks/erie) ERIE · turning · Evidence leans down · 76% evidence 45.9 out of 100 Growth Capital Valuation Relative How the score adds up Growth & earnings 10.0/35 · Income 3.7% · Profit -7.8% · 71% evidence Capital efficiency 18.7/25 · ROA 12.7% · ROE 26% · GNPA n/a · 68% evidence Valuation 8.2/20 · P/BV 5.08× · P/BV÷ROE 0.2 · 70% evidence Relative strength 9.0/20 · Lead over its industry -8.5% · Lead over S&P 500 1% · 1 year -5.3% · 100% evidence · 8 of 12 weeks ahead Exact sum: 10 + 18.7 + 8.2 + 9 = 45.9 · What this means: The evidence is balanced: no factor stands out, so another reported quarter is needed before the picture is clearer. 11. [The Baldwin Insurance Group, Inc.](https://www.sectoralpha.in/us/stocks/bwin) BWIN · leader · Too little evidence to rank firmly · 55% evidence 45.0 out of 100 Growth Capital Valuation Relative
12. [Crawford & Company](https://www.sectoralpha.in/us/stocks/crd-a) CRD-A · quiet · Most evidence points down · 76% evidence 25.1 out of 100 Growth Capital Valuation Relative
13. SelectQuote, Inc. SLQT · Too little evidence to rank firmly · 47% evidence 62.8 out of 100 Growth Capital Valuation Relative
14. Neptune Insurance Holdings Inc. this page NP · quiet · Too little evidence to rank firmly · 41% evidence 52.0 out of 100 Growth Capital Valuation Relative How the score adds up Growth & earnings 17.2/35 · Income 34.7% · Profit n/a · 41% evidence Capital efficiency 16.9/25 · ROA 70.8% · ROE n/a · GNPA n/a · 42% evidence Valuation 9.8/20 · P/BV -17.74× · P/BV÷ROE n/a · 10% evidence Relative strength 8.1/20 · Lead over its industry -7.4% · Lead over S&P 500 2.3% · 1 year 8.9% · 70% evidence · 4 of 12 weeks ahead Exact sum: 17.2 + 16.9 + 9.8 + 8.1 = 52 · What this means: Some evidence is missing, so the score is pulled toward the middle on purpose. 15. [Ethos Technologies Inc.](https://www.sectoralpha.in/us/stocks/life) LIFE · breaking out · Too little evidence to rank firmly · 44% evidence 39.8 out of 100 Growth Capital Valuation Relative

Missing figures are not scored as bad. They lower the confidence and pull the final score toward the middle. Relative strength counts only when the company has a reading for this week; with no reading, that factor is left out and its 20 points are shared across the other three in proportion. Financial companies use P/BV÷ROE and asset quality; PEG, industrial OPM and ROCE are excluded. Under relative strength, one mark per week shows the last 12 weeks: a mark is filled where the company led S&P 500 by 5% or more over the 13 weeks ending that week, which is the same test used everywhere on this site. Price stage places the company on the same six-step path the industry is placed on (basing, turning, breaking out, leader, fading, asleep), read from how many weeks running it has led S&P 500 and whether that lead is growing or shrinking. It describes where the share price stands, not the direction of earnings, and it is not a recommendation; it is left blank for a company whose weekly history is too short or too stale to read. The figures in this ranking come from the industry comparison: results through the Sep 2026 quarter, and the P/E at that quarter's end. The sections above use the latest weekly price, so a P/E or return there can differ a little from the one here. The stage words in this ranking (such as losing its lead or breaking out) describe the lead over the index, not the price phase in the price section. Related companies: [Insurance Brokers](https://www.sectoralpha.in/us/sectors/insurance-brokers), all 15 compared on one page. ## Which companies are close to Neptune Insurance Holdings in size? Neptune Insurance Holdings is the 10th largest of 14 Insurance Brokers companies on Sector Alpha by market value (scores of 3 November 2026). Just above it: The Baldwin Insurance Group, Inc., Accelerant Holdings and CorVel Corporation. Just below it: Ethos Technologies Inc., Goosehead Insurance, Inc. and TWFG, Inc. ### Insurance Brokers companies close in size

1. [The Baldwin Insurance Group, Inc.](https://www.sectoralpha.in/us/stocks/bwin) $4.5 billion
2. [Accelerant Holdings](https://www.sectoralpha.in/us/stocks/arx) $4.3 billion
3. [CorVel Corporation](https://www.sectoralpha.in/us/stocks/crvl) $4.2 billion
4. Neptune Insurance Holdings Inc. $4 billion
5. [Ethos Technologies Inc.](https://www.sectoralpha.in/us/stocks/life) $2.6 billion
6. [Goosehead Insurance, Inc.](https://www.sectoralpha.in/us/stocks/gshd) $1.9 billion
7. [TWFG, Inc.](https://www.sectoralpha.in/us/stocks/twfg) $1.6 billion

[All 14 Insurance Brokers companies, largest first](https://www.sectoralpha.in/us/sectors/insurance-brokers#all-companies)

### Companies close in size in other industries

1. [EquipmentShare.com Inc.](https://www.sectoralpha.in/us/stocks/eqpt) $4.1 billion · Rental & Leasing Services
2. [ICU Medical, Inc.](https://www.sectoralpha.in/us/stocks/icui) $4.1 billion · Medical Instruments & Supplies
3. Neptune Insurance Holdings Inc. $4.1 billion
4. [CVB Financial Corp.](https://www.sectoralpha.in/us/stocks/cvbf) $4.1 billion · Banks - Regional
5. [Universal Display Corporation](https://www.sectoralpha.in/us/stocks/oled) $4 billion · Electronic Components

## What else do people ask about Neptune Insurance Holdings? ### What is Neptune Insurance Holdings's stock price today? Neptune Insurance Holdings Inc.'s stock price is $29.25, +13.9% over the past year. The whole company is worth $4.0 B on the market. In the last 52 weeks it traded between $19 to $34; today it is 69% of the way up from the low, 6.4% above its 200-day average (as of 3 November 2026). ### What were Neptune Insurance Holdings's latest quarterly results? Neptune Insurance Holdings Inc. reported total income of $59.6 M and net profit of $17.3 M for the Sep 2026 quarter. Income rose 34.3% and profit rose 214.1% compared with a year earlier. Earnings per share were $0.12 (as of 3 November 2026). ### What is Neptune Insurance Holdings's market cap? Neptune Insurance Holdings Inc.'s market capitalisation is $4.0 B at a stock price of $29.25. Market cap is the share price times the number of shares, so it changes whenever the price moves (as of 3 November 2026). ### How is Neptune Insurance Holdings performing? Neptune Insurance Holdings Inc.'s latest readings are below. In its latest quarter, income rose 34.3% and profit rose 214.1% compared with a year earlier. Over the past 13 weeks it has done worse than the S&P 500, for 8 weeks running. This describes what the data did, not a rating (as of 3 November 2026). ### Will Neptune Insurance Holdings's stock price go up? This page does not forecast Neptune Insurance Holdings Inc.'s stock price. What it shows instead: the stock price is $29.25. Nobody can reliably say which way a price will move, and this site does not try (as of 3 November 2026). ### Where is Neptune Insurance Holdings in its business cycle? Neptune Insurance Holdings Inc.'s FY25 net margin was −17.0%, against a 3-year range of −17.0% to 12.3%: the low end of its own range, which is often where recoveries start. The latest quarter was 29.0%. Comparing margins with a company's own long history is a good way to see where it is in its cycle (as of 3 November 2026). ### What could break the Neptune Insurance Holdings story? The main question: the share price moved +13.9% in a year while yearly earnings per share moved −265.0%. The difference came from the market paying a higher multiple. On price, this page treats a rise as over when the share price closes below its 200-day average on two Fridays in a row (as of 3 November 2026). ### Is Neptune Insurance Holdings a stock worth studying right now? What the numbers show: Neptune Insurance Holdings Inc.'s balance sheet is under water: its net worth is negative, so it owes more than it owns. This is a high-risk situation: shareholders can be wiped out by new shares or a restructuring before the business recovers. The main open question: whether the business can earn its way back to positive net worth before new shares or a restructuring get there first. Every number on this page is worked out by code from the published figures, with no forecasts and no price opinions (as of 3 November 2026). This is research, not advice. We’re not SEBI-registered.