NEPTUNE INSURANCE HOLDINGS INC CLA (NP)
Financials · insurance technology (insurtech) · NYSE
Neptune Insurance Holdings is a technology-driven insurance provider digitizing the flood insurance sector with its proprietary Triton underwriting engine.
What NEPTUNE INSURANCE HOLDINGS INC CLA does
Neptune Insurance Holdings Inc. is an insurance technology company primarily focused on the flood insurance market. The company leverages its proprietary technology platform, including the Triton engine, to provide streamlined, digital insurance solutions for policyholders.
Themes: insurtech, flood insurance, digital transformation in insurance
Fundamentals
- Price$28.44 as of 2026-10-08 close
- Market cap$2.7B as of 2025-09-30 (share count; price 2026-10-08)
- 1-year return+4.9% 2025-10-08 close $27.10 → 2026-10-08 close $28.44
- P/E21.01 as of 2026-10-08
- Net margin+23.4% FY2025, SEC XBRL
- Debt / equity156.95 as of 2026-09-03
- Revenue growth (YoY)+38.2% as of 2026-09-03
- Revenue CAGR (3y)+37.1% SEC XBRL
- Beta0.41 as of 2026-09-03
- Last reported earnings2026-04-22 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +5.7%; pays a dividend.
How NP compares in its sector
- price-to-earnings ratiotop 25% 513 covered Financials peers, as of 2026-10-08
- net profit marginmiddle range 344 covered Financials peers, as of 2026-09-03
- operating margintop 10% 122 covered Financials peers, as of 2026-09-03
- 3-year revenue CAGRtop 25% 347 covered Financials peers
- indicated dividend yieldtop 25% 468 covered Financials peers, as of 2026-09-03
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Top 10 scores & list membership
NP is not currently in any published Top 10 list. Its scores are below.
Top 10 score
52.8 #581 of 1,379 scored · #148 of 220 in Financials
Profitability 96th (operating margin 44.5%) and growth 93rd (3-year revenue CAGR 37.1%, revenue growth year over year 38.2%); weakest is financial health (1st, debt to equity 157).
Scores as of 8 Oct 2026. Each bar is a percentile: how this company ranked against every company the score ranked, 0–100. A list is a published formula and its output, not a recommendation. Method version 4.
Dividend coverage (FY2025)
Exceeded at least one reported measure. In FY2025, NP's dividend exceeded at least one reported measure of what it earned or generated (earnings payout 468%, operating-cash-flow payout 339%). A payout above 100% in one year is not necessarily unsustainable, but it is not fully covered by that measure.
- Earnings payout468% dividends / net income
- Operating-cash-flow payout339% dividends / operating cash flow — capital spending was not reported, so this does not subtract it
Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.
How NEPTUNE INSURANCE HOLDINGS INC CLA looks technically
NEPTUNE INSURANCE HOLDINGS INC CLA (NP) is trading 3.5% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 78 trading days ago — a "golden cross", a bullish long-term signal. A trend is forming but not yet strong — ADX, a 0–100 trend-strength gauge, is 20 (a reading of 25+ marks a strong trend). Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 44, neither overbought (above 70) nor oversold (below 30). MACD, a trend-momentum gauge, turned bullish about 2 trading days ago (its momentum flipped positive). It made a new 20-day low about 11 trading days ago. It is 19.0% below its highest point of the past year.
Trend
9
| Distance from the 200-day | it is trading 3.5% above its 200-day average, the long-term trend line — a longer-term uptrend | +3.5% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $30.88 | $30.88 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $27.48 | $27.48 |
| Swing structure | each recent peak has been lower than the one before it and each dip deeper — the pattern chart-watchers call a downtrend, which describes where price has already been and not where it goes next | lower highs and lower lows |
| Last swing turn | its last significant turn was a swing low 16 calendar days ago — the swings before that are what the structure reading is measured on | 16 sessions |
| Wave structure | its recent swings can be read as a five-part downward sequence — what Elliott-wave chartists call an impulse — now in the fourth leg, a pullback against that downward direction; the labelling fails if price closes above 30.7. It is one of several labellings that fit, and it describes the swings already printed, not what comes next. The same swings also read as a completed three-part correction. | possible downward five-wave sequence, in wave 4 (one of several readings) |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 78 trading days ago — a "golden cross", a bullish long-term signal | 78 sessions |
| Above the 200-day after a dip | it recently dipped to its 200-day average (the long-term trend line) and has since climbed back above it — now about 3.5% above | +3.5% |
| Trend strength (14-day ADX) | a trend is forming but not yet strong — ADX, a 0–100 trend-strength gauge, is 20 (a reading of 25+ marks a strong trend) | 20.4 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 44, neither overbought (above 70) nor oversold (below 30) | 44.3 |
|---|---|---|
| Position in its 14-day range | it is trading around the middle of its 14-day range ($26.51 to $30.07) — its "stochastic" reading is 54 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions. | 54.3 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, turned bullish about 2 trading days ago (its momentum flipped positive) | 2 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $35.13 | $35.13 |
|---|---|---|
| From the 52-week high | it is 19.0% below its 52-week high (its highest price of the past year) | -19.0% |
| Above the 52-week low | it is 92.4% above its 52-week low (its lowest price of the past year) | +92.4% |
| Below the 52-week high | it is 19.0% below its highest point of the past year | 19.0% |
| Since a 20-day breakout | it made a new 20-day low about 11 trading days ago | 11 sessions |
| Since a 55-day breakout | it made a new 55-day low about 11 trading days ago | 11 sessions |
| All-time high | its highest closing price on record is $96.15 (set on 2018-09-17) | $96.15 |
| Given back of the 52-week move | over the past year its closes ranged ($17.14 to $35.11), and it has given back roughly a third of its rise from last year’s low — 37% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $23.43 to $24.00. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 37.1% |
| From the all-time high | it is 70.4% below its all-time high | -70.4% |
| Nearest price level | not available for this company yet | n/a |
| All-time low | its lowest closing price on record is $3.26 (set on 2009-03-16) | $3.26 |
| Above the all-time low | it is 772.4% above its all-time low | +772.4% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are about average versus its own recent 6-month history | 48th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $1.24 between its high and its low — about 4.4% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $1.24 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $25.55 and $31.53 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $25.55 – $28.54 – $31.53 |
| Typical daily range (% of price) | its price moves about 4.4% in a typical session — about typical for the companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 4.3% |
| Stretch from the 200-day average | it is trading 0.8 daily ranges above its 200-day average price (3.5% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 0.8 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 1.07× |
|---|
Analyst
2
| Change in the average price target | analysts have cut their average price target by 0.4% since the prior reading | -0.5% |
|---|---|---|
| Change in the consensus rating | not available for this company yet | n/a |
Candlestick patterns
1
| Since a doji | 4 sessions ago it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | 4 sessions ago |
|---|
Price gaps
3
| Gap at the open | it opened on 2026-10-08 0.5% below the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | -0.5% |
|---|---|---|
| Open gap | it gapped 4.0% below the previous close 49 sessions ago and has not traded back through the level it left behind at 35.11 — an "unfilled gap", which describes a price range no trade has since crossed and is not a forecast that it will be crossed | -4.0% |
| Gap filled | a 2.2% gap up opened on 2026-09-22 has been "filled" 12 sessions ago — price traded back through the level the gap left behind, and it closed again during the very session that opened it | 12 sessions ago |
Price streaks
1
| Closing streak | it has closed higher 3 sessions in a row, a +4.87% move over the run — an unbroken run of up days, which describes what has already happened and says nothing about the next session | 3 sessions up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 12.3 percentage points (the stock lost 11.3% while the market gained 1.0%) | -12.3% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock lagged the market by 13.6 percentage points (the stock lost 9.7% while the market gained 3.8%) | -13.6% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 7.7 percentage points (the stock gained 9.8% while the market gained 17.5%) | -7.7% |
| vs market, 12 months | over the past 12 months this stock lagged the market by 10.0 percentage points (the stock gained 4.9% while the market gained 15.0%) | -10.0% |
Signal agreement
2
| Bullish technical signals | 3 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average, MACD momentum is positive — these describe past price behaviour, not a forecast | 3 of 9 |
|---|---|---|
| Bearish technical signals | 2 of the 9 technical signals we can compute for it are currently in a bearish state: lagging the market over 6 months, trading below the Ichimoku cloud — these describe past price behaviour, not a forecast | 2 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 9.1% below the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-09-01 and projected forward over today's price, the side traders read as an established downtrend, with the band above acting as the level that would have to be cleared. The band itself is moderate, spanning 6.6% of the share price. | -9.1% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 2% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $27.97 — a volume-weighted average of daily closes over 183 sessions, not a true tick-by-tick VWAP. | +1.7% |
|---|---|---|
| Vs the average paid since it last reported | the price is 8% below the average price paid since it last reported on 2026-07-27 (its 10-Q), so the typical buyer over that stretch is under water. That average is $30.80 — a volume-weighted average of daily closes over 53 sessions, not a true tick-by-tick VWAP. | -7.7% |
Double top, bearish — broke down · entry $30.77 · 50 sessions in
Wave structure
Its recent swings can be read as a five-part downward sequence — what Elliott-wave chartists call an impulse — now in leg 4 of five, a pullback against that direction.
This labelling fails — stops being a possible reading at all — if it closes above $30.70.
This is one of several labellings that fit the same swings, so treat it as a reading rather than the reading. It was chosen from 2 labellings that survived the rules, counting shorter readings of the same bars.
On past moves of this shape the leg has usually ended somewhere between $28.64 and $30.70 — that is where it has tended to end if the count holds, not a forecast of where the price goes.
Alternate reading: The same swings also read as a completed three-part correction, which fails on a close below $26.64.
This reading has stood for 8 trading days, since 2026-09-29.
Read from daily closes as of 2026-10-08.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading above the 200-day moving average · Tested and reclaimed 200-day support · MACD just crossed bullish (12/26/9) · lagging the market · Under water since its last earnings report (below the anchored VWAP) · Trading below the Ichimoku cloud | Learn: moving average · golden cross · adx · rsi · macd · breakout · fifty two week high low
Based on daily closing prices as of 2026-10-08. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Consensus ratingBuy (2.00 mean, 1=Strong Buy…5=Strong Sell) — 13 analysts
- Mean price target$34.38 range $31.00 – $39.00; median $33.00
Analyst estimates, as of 2026-10-04. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for NP
- Consensus EPS estimate$0.1581 next reporting period, as of 2026-10-04
- Estimate change, 30 days+$0.00015 (+0.1%) from $0.158, on 2026-08-30, 35-day window
- Readings revised upward20% of 5 comparable readings
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["Significant accumulated deficit and historical unprofitability","High leverage from revolving credit facility debt obligations","Dependence on proprietary technology systems and potential operational disruption"]
What changed in the latest 10-Q
AI-assisted comparison of NP's 10-Q filed 2026-04-29 against the prior one filed 2025-11-12.
Management's Discussion & Analysis (MD&A)
- Added:
- Newer filing adds reference to 'Risk Factors' in this Quarterly Report on Form 10-Q and in our Annual Report on Form 10-K that could cause actual results to differ materially
- Newer filing specifies capacity providers count as of March 31, 2026: 42 capacity providers including 34 reinsurance providers backing 8 distinct insurance programs
- Newer filing reports eligible policy retention rate of 86.2% and premium retention rate of 92.9% for three months ended March 31, 2026
- Newer filing adds explanation that premium retention rate difference reflects increases to rates charged to renewing policyholders
- Removed:
- Older filing references Final Prospectus dated September 30, 2025 and IPO details—removed in newer filing
- Older filing references 'Special Note Regarding Forward-Looking Statements' section—removed in newer filing
- Older filing states 33 capacity providers as of September 30, 2025, including 26 reinsurance providers backing 6 distinct insurance programs—superseded by newer figures
- Older filing describes seventh insurance program inception on October 1, 2025 with 6 additional reinsurers and reference to 39 total capacity providers—updated in newer filing
- Older filing reports eligible policy retention rates of 86.7% (three months) and 86.2% (nine months) and premium retention rates of 98.0% (three months) and 98.7% (nine months) for September 30, 2025—replaced with newer data
- Reworded:
- Older filing states 'we believe that we have a high retention rates to date'; newer filing states 'we believe that we have a high degree of visibility into our future revenue streams' as reasoning
- Older filing says 'four of the ten largest flood events'; newer filing says '4 of the 10 largest flood events'
- Older filing says 'machine learning' in full; newer filing uses 'ML' abbreviation in Overview section
- Reference to 'our Final Prospectus' and IPO-related citations removed; forward-looking statements language restructured to reference only Annual Report on Form 10-K
- Older filing references 'unaudited condensed consolidated financial statements' and 'Item 1 hereto'; newer filing uses standard consolidated financial statements language
- Notes:
- The older filing text appears truncated at the end ('broader insuran'); full comparison of subsequent sections not possible
- Retention rate metrics changed materially between periods—eligible policy retention remained similar (86.7% vs 86.2%) but premium retention declined significantly (98.0%/98.7% vs 92.9%), suggesting meaningful shift in renewal dynamics
Risk Factors
The two filings could not be meaningfully compared for this section.
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
0 open-market purchases and 10 open-market sales by insiders in the last 90 days, of which we have read Form 4 filings through 2026-10-04. The 5 days since 2026-10-04 have not been checked yet.
- Last 30 days · read to 2026-10-040 buys · 4 sells ($4M) — 2 selling insiders
- Last 90 days · read to 2026-10-040 buys · 10 sells ($126M) — 5 selling insiders
- Last 180 days · read to 2026-10-040 buys · 14 sells ($425M) — 5 selling insiders
Activity heuristic: net selling (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-10-06. Based on Form 4 filings read through 2026-10-04; anything filed since is not yet included.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about NP's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
4 institutional 13F filers reported holding NP as of 2026-06-30 (quarter-end position, filed within 45 days).
- Distinct 13F filers 4
- Reported shares held 3,583,085
- Reported value $112,867,180
reported quarterly holdings change (2026-03-31 → 2026-06-30): 0 new, 4 increased, 0 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Ask about NP's institutional holders → See what each manager we track holds →
Short interest (FINRA)
NP had 1,807,146 shares of reported short interest as of the 2026-09-15 FINRA settlement date (delayed, bi-monthly; not real-time).
Short interest as a percent of shares outstanding is not shown for NP because the newest share count we hold predates that settlement by more than 180 days, and a buyback or issuance in between would move the base. The reported figures above are unaffected.
- Reported short interest (shares) 1,807,146
- Prior settlement (shares) 2,166,257
- Reported change -16.58%
- Days to cover (reported) 4.54
Reported to FINRA as of the 2026-09-15 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
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Frequently asked questions
What does NEPTUNE INSURANCE HOLDINGS INC CLA (NP) do?
Neptune Insurance Holdings Inc. is an insurance technology company primarily focused on the flood insurance market. The company leverages its proprietary technology platform, including the Triton engine, to provide streamlined, digital insurance solutions for policyholders.
What sector is NEPTUNE INSURANCE HOLDINGS INC CLA (NP) in?
NEPTUNE INSURANCE HOLDINGS INC CLA (NP) is classified in the Financials sector. Its industry is insurance technology (insurtech). It trades on NYSE.
Does NP pay a dividend?
Yes — NEPTUNE INSURANCE HOLDINGS INC CLA (NP) pays a dividend, with an indicated yield of about 5.68% (market data, as of 2026-09-03). Informational only — not financial advice.
Who are NEPTUNE INSURANCE HOLDINGS INC CLA's (NP) competitors?
Notable peers of NEPTUNE INSURANCE HOLDINGS INC CLA (NP) include Assurant, Progressive and Allstate. This peer set is informational only — not financial advice.
Is NEPTUNE INSURANCE HOLDINGS INC CLA (NP) overbought or oversold right now?
NEPTUNE INSURANCE HOLDINGS INC CLA (NP) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 44, in the neutral middle (as of 2026-10-08). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on NP come from?
Fundamentals come from SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest; prices are market data, as of 2026-09-03; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-10-08.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.