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Neptune Insurance Holdings Inc. (NP) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

Neptune Insurance Holdings Inc.

NPMarket cap $3.73BPrice $27.2

Country🇺🇸United States

SectorFinancials

IndustryInsurance

Sells flood insurance directly to homeowners and businesses, betting it can price climate risk better than the federal government's own program. It's the largest private flood insurer in the US, thriving in a market most insurers refuse to touch.

In Bastion Portfolios?

52W Return+8%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)na–

Revenue Forecast

Rev CAGR (1y)+27%9

Rev CAGR (3y)+20%9

Rev CAGR (5y)+16%9

Earnings Forecast

EPS Growth Y+10%5

EPS Growth Y+2+19%8

EPS Growth Y+3+19%8

Quality

Margins

EBIT Margin46%10

Net Income Margin21%8

Free Cash Flow Margin40%10

Debt

Net Debt/EBITDA2.73

Efficiency

ROEna–

ROA43%10

Earnings Stability88

GEAR+AVERAGE48

Overall rating across all five factors

Value

Price Multiples

P/E Ratio (Forward)421

P/E Ratio (Forward 3y)331

P/BVna–

EV Multiples

EV/EBITDA Fwd321

EV/EBIT Fwd431

Yield

Free Cash Flow Yieldna1

Dividend Yieldna–

Momentum

Short term

1 month return-18%1

3 month return-20%2

YTD return-7%4

Mid term

Price vs 52wHigh77%5

1 year return-1%4

Long term

3 year return+10%3

5 year return+10%4

Risk Shield

Price Risk

Beta1.62

Volatility62%2

Free Cash Flow

Free Cash Flow Margin40%10

Free Cash Flow Yieldna1

Quality

ROCE1015%10

Earnings Stability88

Net Debt/EBITDA2.73

02Growth

Is it actually growing, and how fast?

NPNeptune Insurance Holdings

Revenue FY25$160M

GROWTH RATING↗

STRONG78 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGRna–

Revenue, next 1Y+27%9

Revenue, next 3Y, CAGR+20%9

Revenue, next 5Y, CAGR+16%9

EARNINGS FORECAST▾SCORE

EPS growth, FY26E0%5

EPS growth, FY27E+19%8

EPS growth, FY28E+19%8

GROWTH ASSESSMENT

STRENGTHS

It out-grows 78% of companies worldwide.

Revenue is set to grow 20%/yr over the next 3 years, ahead of most of the market.9/10

Revenue held flat over the last 3 years and is set to grow 20%/yr from here.

The runway holds up: revenue is set to grow 16%/yr over five years.9/10

Earnings are set to grow in step with sales (EPS about 19%/yr vs revenue 20%/yr).

WATCH

None flagged.

WEAKNESSES

None flagged.

BOTTOM LINE

Hyper Compounder

A top-tier grower that's speeding up.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

VERY WEAK14 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-18%1

3-month return-20%2

YTD return-7%4

MID & LONG-TERM▾SCORE

% of 52-week high77%5

1-year return-1%4

3-year return+10%3

5-year return+10%4

MOMENTUM ASSESSMENT

STRENGTHS

None flagged.

WATCH

It's down 0.7% over the past year, now 23% below its 52-week high. That is right in line with the market.

Returns sit at the market level so far this year (-7%).

WEAKNESSES

Weak long-term results. It has been a disappointing long-term hold (+9.6% over three years and +9.6% over five), behind 60% of the market.

The stock is underperforming over the past month (-18%) and over three months (-20%).

BOTTOM LINE

Falling Knife

Returns rank poorly over both the short and long run, and the price is still falling. Momentum is firmly negative — catching this is a bet against the tape, not with it. Wait for a base to form. The one thing to watch: the multi-year record is weak.

04Value

Are you paying a fair price for it?

Stop guessing on Neptune Insurance Holdings Inc.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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Loading charts…

02Growth

Is it actually growing, and how fast?

NPNeptune Insurance Holdings

Revenue FY25$160M

GROWTH RATING↗

STRONG78 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGRna–

Revenue, next 1Y+27%9

Revenue, next 3Y, CAGR+20%9

Revenue, next 5Y, CAGR+16%9

EARNINGS FORECAST▾SCORE

EPS growth, FY26E0%5

EPS growth, FY27E+19%8

EPS growth, FY28E+19%8

GROWTH ASSESSMENT

STRENGTHS

It out-grows 78% of companies worldwide.

Revenue is set to grow 20%/yr over the next 3 years, ahead of most of the market.9/10

Revenue held flat over the last 3 years and is set to grow 20%/yr from here.

The runway holds up: revenue is set to grow 16%/yr over five years.9/10

Earnings are set to grow in step with sales (EPS about 19%/yr vs revenue 20%/yr).

WATCH

None flagged.

WEAKNESSES

None flagged.

BOTTOM LINE

Hyper Compounder

A top-tier grower that's speeding up.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

VERY WEAK14 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-18%1

3-month return-20%2

YTD return-7%4

MID & LONG-TERM▾SCORE

% of 52-week high77%5

1-year return-1%4

3-year return+10%3

5-year return+10%4

MOMENTUM ASSESSMENT

STRENGTHS

None flagged.

WATCH

It's down 0.7% over the past year, now 23% below its 52-week high. That is right in line with the market.

Returns sit at the market level so far this year (-7%).

WEAKNESSES

Weak long-term results. It has been a disappointing long-term hold (+9.6% over three years and +9.6% over five), behind 60% of the market.

The stock is underperforming over the past month (-18%) and over three months (-20%).

BOTTOM LINE

Falling Knife

04Value

Are you paying a fair price for it?

Stop guessing on Neptune Insurance Holdings Inc.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community