Neptune Insurance Holdings Inc.
NPFinancial ServicesNASDAQInsurance Brokers
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Daily timeframeNeptune 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. The company carries a $3.90B market cap, placing it firmly in the mid-cap category. The company offers primary and excess flood, parametric earthquake, and indemnity earthquake insurance through a network of agencies.
Market Cap
$3.90B
Beta
—
P/E (TTM)
123.65
P/E (Fwd)
42.23
EPS (TTM)
$0.23
EPS (Fwd)
$0.67
ROE
—
ROA
55.2%
Cash
$17.4M
Total Debt
$215.0M
Free CF
—
52W Change
7.8%
Annual Financials
Cash vs Debt
Where NP stands vs its 150-day and 200-day moving averages
As of the October 15, 2026 close, NP finished 0.59% below its 150-day moving average ($28.61) and 3.83% above its 200-day moving average ($27.39). 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 October 15, 2026 close, NP's RSI(14) was 64.8, in neutral territory (between 30 and 70). The MACD histogram was positive, so short-term momentum leaned bullish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
The company holds $17.4M in cash, though total debt stands at $215.0M. This level of leverage is common in the industry but worth monitoring as interest rate conditions evolve. Return on assets of 55.2% 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. At over 50x earnings, NP carries valuation risk — any slowdown in growth expectations could lead to meaningful price adjustments. Understanding these risk dimensions helps frame what to watch going forward as conditions evolve for Neptune Insurance Holdings Inc. and its sector.