Neptune Insurance Holdings Inc.
NPFinancial ServicesNASDAQInsurance Brokers · Last scanned Sep 7, 2026
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Daily timeframeHeadquartered within the financial services sector, Neptune Insurance Holdings Inc. focuses on Insurance Brokers services and products. Neptune Insurance Holdings Inc., through its subsidiary, Neptune Flood Incorporated, operates as an insurance agency that engages in selling residential and commercial flood insurance policies on. At a $4.56B market cap, Neptune Insurance Holdings Inc. ranks as a mid-cap company within financial services. The company offers primary and excess flood, parametric earthquake, and indemnity earthquake insurance through a network of agencies.
Market Cap
$4.56B
Beta
—
P/E (TTM)
158.24
P/E (Fwd)
49.32
EPS (TTM)
$0.21
EPS (Fwd)
$0.67
ROE
—
ROA
56.6%
Cash
$17.6M
Total Debt
$240.0M
Free CF
$68.4M
52W Change
34.0%
Annual Financials
Cash vs Debt
Where NP stands vs its 150-day and 200-day moving averages
As of the September 3, 2026 close, NP finished 22.71% above its 150-day moving average ($27.12) and 23.63% above its 200-day moving average ($26.92). This snapshot is end-of-day data shown with a five-trading-day delay on the free plan; Premium members see readings from the latest close.
Is NP overbought or oversold?
At the September 3, 2026 close, NP's RSI(14) was 59.6, in neutral territory (between 30 and 70). The MACD histogram was negative, so short-term momentum leaned bearish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
Neptune Insurance Holdings Inc. carries $240.0M in total debt against $17.6M in cash reserves — debt is roughly 13.7x the cash position. Managing this leverage effectively will be important for long-term financial stability. The company generates $68.4M in free cash flow annually, which funds everything from R&D to shareholder returns without needing external financing. Return on assets of 56.6% further supports the picture of efficient asset utilization. Revenue has grown from $84.9M (2023) to $159.6M (2025), reflecting a 88% increase over the period.
Debt significantly exceeds cash reserves, which means the company's financial flexibility could be constrained during economic downturns. The elevated P/E ratio means the stock is priced for significant future growth. If earnings disappoint, the price correction could be sharp. Understanding these risk dimensions helps frame what to watch going forward as conditions evolve for Neptune Insurance Holdings Inc. and its sector.