Neptune Insurance Holdings Inc. (Class A) (NP) carries a Roarable Rating of C (Hold) with 64/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.
As of 2026-11-03, Neptune Insurance Holdings Inc. (Class A) (NYSE: NP) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 64/100 at a spot price of $29.18 (+1.28% 1D, market cap $4.03B). Pillar breakdown: Fundamental Cash Engine 17/20, Institutional 13F & Options Flow 10/20, Executive Insider Alignment 12/20, FRED Macro Regime Fit 15/20, and SEC Balance-Sheet Forensics 10/20. Across 1096 tracked Financials issuers, NP ranks #268 in composite RQD confidence.
Within the Financials sector (Specialty Insurers), NP carries a Roarable C (64/100 RQD), trailing P/E of 106.4x, gross margin of —, and ROIC of 28.2%. By comparison, CRVL (CorVel Corp.) holds a B grade (75/100 RQD, P/E 37.6x, ROIC 29.4%, cap $4.15B) and ARX (Accelerant Holdings (Class A)) posts a C grade (64/100 RQD, P/E N/A, ROIC —, cap $4.30B). Among the 5-stock peer group, HGTY leads on earnings multiple (37.5x) while HGTY leads on capital efficiency (67.4% ROIC).
Per NP's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0002067129), Neptune Insurance Holdings Inc. (Class A) generated $159.6M in revenue (+33.7% YoY), $37.4M in net income, and $51.7M in free cash flow against $65.3M in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately.. Institutional options positioning shows a 50% call / 50% put premium split.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
SEC XBRL FY 2025 (10-K): 32.4% FCF Margin ($51.7M FCF) & 52% Gross Margin
FRED Regime × Technicals: 71% of 52W Range • RSI-14 at 51.5 (NEUTRAL RANGE)
Disciplined Float (+0.52% YoY Shares) & executive Form 4 sales trim 10 pts from alignment
Even with a 64/100 (C) score, NP faces multiple-compression risk if 106.4x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.
Company executives have done more routine share selling than personal cash buying lately.
Priced at 106x earnings—high expectations leave less room for a lukewarm quarter.
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($29.80) or 200D SMA ($27.49) invalidates the momentum regime and cuts Target Base ($29.97) toward Bear Floor ($23.38).
Neptune Insurance Holdings Inc. (Class A) (NP) advanced +1.28% to $29.18, trading at 71% of its 52-week range ($14.78 – $35.15). Solid steady margins (28% return on capital), mixed timing at 106x P/E—hold if owned, no rush to chase.
Yahoo Finance report covering Neptune Insurance Holdings Inc. (Class A) (NP) market action, institutional positioning, and fundamental catalysts.
ChartMill report covering Neptune Insurance Holdings Inc. (Class A) (NP) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Neptune Insurance Holdings Inc. (Class A) (NP) market action, institutional positioning, and fundamental catalysts.
Simply Wall St report covering Neptune Insurance Holdings Inc. (Class A) (NP) market action, institutional positioning, and fundamental catalysts.
The Globe and Mail report covering Neptune Insurance Holdings Inc. (Class A) (NP) market action, institutional positioning, and fundamental catalysts.
Stock Titan report covering Neptune Insurance Holdings Inc. (Class A) (NP) market action, institutional positioning, and fundamental catalysts.
Business Wire report covering Neptune Insurance Holdings Inc. (Class A) (NP) market action, institutional positioning, and fundamental catalysts.
Quiver Quantitative report covering Neptune Insurance Holdings Inc. (Class A) (NP) market action, institutional positioning, and fundamental catalysts.
Morgan Stanley analyst Bob Huang maintains Neptune Insurance Hldgs (NYSE:NP) with a Overweight and lowers the price target from $36 to $35.
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +33.7% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on NP today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for NP. Explore sector supply chains on /butterfly.
Across 1096 tracked Financials securities in the Roarable RQD universe, Neptune Insurance Holdings Inc. (Class A) (NP) ranks #268 by composite RQD confidence (64/100, grade C) and #309 by equity capitalization ($4.03B). Within this direct 5-issuer industry benchmark cohort, HGTY leads on earnings valuation at 37.5x trailing P/E, while HGTY leads on capital efficiency and profitability with 67.4% ROIC and — gross margin. CRVL currently holds the highest overall quantitative score in the immediate peer group at 75/100 (B) compared with NP at 64/100 (C).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| NP
ACTIVE
Neptune Insurance Holdings Inc. (Class A) | C | 64/100 | 106.4x | — | 28.2% | +1.28% | $4.03B | Benchmark Subject |
| CRVL CorVel Corp. | B | 75/100 | 37.6x | — | 29.4% | +0.04% | $4.15B | /crvl-vs-np → |
| ARX Accelerant Holdings (Class A) | C | 64/100 | — | — | — | 0.00% | $4.30B | /arx-vs-np → |
| BWIN The Baldwin Insurance Group Inc. | D | 48/100 | — | — | 3.6% | +0.31% | $4.45B | /bwin-vs-np → |
| HGTY Hagerty Inc. (Class A) | B | 75/100 | 37.5x | — | 67.4% | +0.78% | $5.64B | /hgty-vs-np → |
In its most recent audited fiscal period (FY2025, filed 2025-12-31), Neptune Insurance Holdings Inc. (Class A) (NP) reported GAAP revenue of $159.6M (+33.7% vs. FY2024 revenue of $119.3M , and +88.0% cumulative change since FY2023) , GAAP net income of $37.4M, operating cash flow of $51.7M, and free cash flow of $51.7M (+3.5% YoY). On the balance sheet, NP closed FY2025 with $65.3M in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 7/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $159.6M | $37.4M | $51.7M | $51.7M | $65.3M | $0 |
| FY2024 (FY) | 2024-12-31 | $119.3M | $34.6M | $49.9M | $49.9M | $48.2M | $125.1M |
| FY2023 (FY) | 2023-12-31 | $84.9M | $17.9M | $18.6M | $18.6M | — | — |
As of 2026-11-03, Neptune Insurance Holdings Inc. (Class A) (NYSE: NP) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 64/100 at a spot price of $29.18 (+1.28% 1D, market cap $4.03B). Pillar breakdown: Fundamental Cash Engine 17/20, Institutional 13F & Options Flow 10/20, Executive Insider Alignment 12/20, FRED Macro Regime Fit 15/20, and SEC Balance-Sheet Forensics 10/20. Across 1096 tracked Financials issuers, NP ranks #268 in composite RQD confidence.
Within the Financials sector (Specialty Insurers), NP carries a Roarable C (64/100 RQD), trailing P/E of 106.4x, gross margin of —, and ROIC of 28.2%. By comparison, CRVL (CorVel Corp.) holds a B grade (75/100 RQD, P/E 37.6x, ROIC 29.4%, cap $4.15B) and ARX (Accelerant Holdings (Class A)) posts a C grade (64/100 RQD, P/E N/A, ROIC —, cap $4.30B). Among the 5-stock peer group, HGTY leads on earnings multiple (37.5x) while HGTY leads on capital efficiency (67.4% ROIC).
Per NP's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0002067129), Neptune Insurance Holdings Inc. (Class A) generated $159.6M in revenue (+33.7% YoY), $37.4M in net income, and $51.7M in free cash flow against $65.3M in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately.. Institutional options positioning shows a 50% call / 50% put premium split.
NP last traded at $29.18 (+1.28% on volume of 571,273 shares), positioning the stock -2.08% below its 50-day simple moving average ($29.80) and +6.15% above its 200-day simple moving average ($27.49). Across its 52-week range of $14.78 to $35.15, NP sits at the 70.7% percentile with a 14-day RSI of 51.5 (NEUTRAL RANGE) and an implied next-earnings move of ±7.8% ($26.90 to $31.46).
Why NP Stock advanced +1.28% Today — RQD Quant Desk Flash. Solid steady margins (28% return on capital), mixed timing at 106x P/E—hold if owned, no rush to chase.
Per the Roarable RQD rating, NP scores 64 out of 100 with a letter grade of C, labeled "Roarable Hold — Fair / Balanced Risk-Reward." The five pillars are:
For a prospective investor, the rating describes a balanced setup rather than a clear directional signal. Strengths sit in profitability and return metrics; constraints sit in cash yield, insider and institutional confirmation, and the valuation multiples shown in the market data (P/E TTM of 106.4 and EV/EBITDA of 56). The rating is educational context, not a recommendation.
Neptune Insurance Holdings Inc. (Class A) is a NYSE-listed issuer in the Financials sector and Specialty Insurers industry, per the profile. Per the SEC financials, the company reports revenue, operating income, and net income across FY 2023–FY 2025. Source data does not describe the company's products, customer base, or specific revenue model beyond sector and industry classification.
| Period | Revenue | Operating Income | Net Income | EPS | FCF | Cash | Debt |
|---|---|---|---|---|---|---|---|
| FY 2025 | $159.6M | $71.0M | $37.4M | N/A | $51.7M | $8.0M | $0.0M |
| FY 2024 | $119.3M | $68.4M | $34.6M | N/A | $49.9M | $7.1M | $125.1M |
| FY 2023 | $84.9M | $45.4M | $17.9M | N/A | $18.6M | N/A | N/A |
Per the market data, operating margin is 44.5%, net margin is 23.4%, and gross margin is 0%. Per the Roarable RQD rating, ROIC is 28.2%, Altman Z-Score is 2.5, and Piotroski F-Score is 7/9. Debt/Equity is 0.5 per the RQD rating, and reported debt moves from $125.1M (FY 2024) to $0.0M (FY 2025) in the SEC financials.
Per the recent news wire, the items are:
Risk watch: the proposed CEO sale is the only insider-activity item in the feed. The butterfly graph reports no supply-chain links or proprietary signals.
Per the Butterfly Supply-Chain Graph, supply chain is listed as NONE, with no butterfly links and no proprietary signals. Upstream and downstream dependencies, sector correlations, and second-order bottlenecks are not available in source data. Sector and industry classification alone (Financials / Specialty Insurers) is the only context provided.
Real-time company headlines, analyst actions, and sector developments for Neptune Insurance Holdings Inc. (Class A) (NP) • Click "Debate This Headline" to argue it in the Roar Pit below
Yahoo Finance report covering Neptune Insurance Holdings Inc. (Class A) (NP) market action, institutional positioning, and fundamental catalysts.
ChartMill report covering Neptune Insurance Holdings Inc. (Class A) (NP) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Neptune Insurance Holdings Inc. (Class A) (NP) market action, institutional positioning, and fundamental catalysts.
Simply Wall St report covering Neptune Insurance Holdings Inc. (Class A) (NP) market action, institutional positioning, and fundamental catalysts.
The Globe and Mail report covering Neptune Insurance Holdings Inc. (Class A) (NP) market action, institutional positioning, and fundamental catalysts.
Stock Titan report covering Neptune Insurance Holdings Inc. (Class A) (NP) market action, institutional positioning, and fundamental catalysts.
Business Wire report covering Neptune Insurance Holdings Inc. (Class A) (NP) market action, institutional positioning, and fundamental catalysts.
Quiver Quantitative report covering Neptune Insurance Holdings Inc. (Class A) (NP) market action, institutional positioning, and fundamental catalysts.
Welcome to the NP (Neptune Insurance Holdings Inc. (Class A)) Roar Pit. Current RQD Composite is 64/100 (Roarable Hold — Fair / Balanced Risk-Reward) in Specialty Insurers. Bulls point to capital efficiency (28.2% ROIC), while bears focus on valuation multiple compression (106.4x trailing P/E). Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.
Everyone in here is repeating the bull case on NP, but look at what you are paying: 106.4x trailing P/E with tightening sector spreads. Unless Neptune Insurance Holdings Inc. (Class A) expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.
Looking at the 5-pillar RQD breakdown on NP, the market is fixating on short-term headline noise in Specialty Insurers and ignoring the balance sheet and cash flow trajectory. At $28.81 (52-wk range $14.78 - $35.15), any beat on forward guidance forces shorts and underweight funds to chase.
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