Neptune Insurance Holdings Inc. · Insurance Agents, Brokers & Service

NP

Moderate riskNext report: Around Feb 17, 2027 (est.)

View price ↗

The short version

A profitable company with growing sales. Institutions are adding.

Going well

Profitable, keeps 23% of sales as profit
Sales up 34% last year
Brings in more cash than it spends

Money moves

Insiders sold $4.6M in the last 30 days, all through pre-planned sales
Institutions added 3% to their holdings in the quarter ending June 2026 (104 bought, 36 sold)
Held by George Soros (Soros Fund)

Facts from SEC filings, not a recommendation.

What the price means

Price as of Oct 26

$28.35-0.3% that day

Company value: $4.2B; Share price times all shares
Price vs profit (P/E): 78.8x; You pay about $79 for each $1 of yearly profit
Price vs sales: 26.0x; Company value is 26.0 times a year of sales
Cash vs value: 0%; Cash as a share of company value
Debt vs value: 6%; Debt as a share of company value

From NP's last IEX trade and its SEC filings (profits and sales over the last four quarters). A starting point for research, not a verdict.

The business over time

Last 11 quarters, from SEC filings

Profit, Sep '26

$17.3M+50% vs a year earlier

Mar '24Tap a barSep '26

Last 12 months: $44.7M, up 0.1% from the 12 months before.

What the price assumes

Your guesses, our math

Move the sliders to your own view of NP. Starting points are the company's recent numbers.

Sales growth+5% a yearRecent growth not reportedProfit margin28%Last 12 months: 28.0%P/E at the end40xToday: 78.8x. Many steady companies trade at 12x to 25xShare count change0% a yearBelow zero means buybacks; above zero means new shares (dilution)

Sales in 5 years$204M

Profit in 5 years$57M

Price these guesses point to$15.58-45% vs $28.35 todayAbout -11% a year, before dividends

What today's price needs: with a 28% margin and a 40x P/E, sales would have to grow about 18% a year for 5 years just to match today's price.

Simple math on your guesses, not a forecast or a price target. Real results depend on many things these sliders leave out.

Price

Price chart by TradingView.

Business quality

The checklist Warren Buffett-style investors use. Annual numbers for 2025.

2/3Mixed

MissDebt under half of equityNot relying on borrowed money.Owes more than it owns
PassNet margin 10%+Keeps at least 10 cents of profit from each dollar of sales.23.4%
PassFree cash flow positiveBrings in more cash than it spends to run and grow.$51.7M

Revenue: $159.6M; +33.7% vs prior year
Total debt: $247.6M
Free cash flow: $51.7M; 32.4% of revenue

From annual reports filed with the SEC. Gross margin doesn't apply to banks and insurers, so it isn't scored. Not in this company's SEC data, so not scored: return on equity 15%+, profitable every year, share count not growing. A checklist is a starting point for research, not a verdict.

Latest quarter

Quarter ended Sep 30, 2026

Reported Oct 20After close4:15 pm ET

EPS: $0.12; vs $0.06
Free cash flow: $25.9M
Share count: +50.5%; vs a year ago

Insider rating

Last 90 days

43Mixed

Pre-planned sales of $4.6M (weaker signal)

50 is neutral. Buying by more insiders, top executives and bigger stakes raises it. Selling lowers it; pre-planned sales count less.

Weekly insider trend

13 weeks agoBoughtSoldThis week

Filing buzz

Last 7 days vs normal

28/ 100

This week: 1
Normal week: 2.5
vs normal: 0.4x

SEC filings of any kind. 50 means a normal week.

Institutional ownership

Accumulating+3.0%

Institutions added 3.0% to their holdings. 104 bought, 36 sold.

Shares held by institutions67.0M

Sep '24Jun '26

Safety check

From SEC filings

Share count growthYearly rate, last 3 years

+17.7%

Cash runwayAt last year's cash burn

Cash flow positive

Debt to equityLatest balance sheet: debt compared with what owners have

Owes more than it owns

Shares outstandingLatest reported

146M

Why moderate risk

Share count growing 17.7% a year (dilution)
2 offering filings in 6 months (may sell new shares)

Earnings reports

Last 4

Next reportAround Feb 17, 2027 (est.)Estimated from the same quarter last year

Results filedOct 20
Results filedApr 22
Results filedFeb 18
Results filedNov 12, 2025

Flags and big holders

Offerings 6 months, flags 12 months, holders 90 days

5%+ holder update (passive)Aug 14 · View filing ↗Big holder 5%+ holder update (passive)Aug 14 · View filing ↗Big holder 5%+ holder update (passive)Aug 13 · View filing ↗Big holder Offering prospectusMay 14 · View filing ↗Offering Share offering registrationMay 11 · View filing ↗Offering

Insider trades

Open-market buys and sells, last 90 days

Bought$00 insiders

Sold$4.6M1 insider, 3 pre-planned

Insider	Trade	Shares	Avg price	Value	Owns after	Date
Matthew Paul DuffyPresident & Chief Risk Officer	Sell	84K	$28.10	$2.4M	2M	Oct 8Filing ↗
-4.3% of their holdings $27.88 to $28.47 across 2 trades Pre-planned sale (10b5-1) Filed 1 day after
Matthew Paul DuffyPresident & Chief Risk Officer	Sell	41K	$27.15	$1.1M	2M	Oct 6Filing ↗
-2.1% of their holdings Pre-planned sale (10b5-1) Filed 1 day after
Matthew Paul DuffyPresident & Chief Risk Officer	Sell	40K	$27.67	$1.1M	2M	Oct 2Filing ↗
-1.9% of their holdings $27.65 to $28.48 across 2 trades Pre-planned sale (10b5-1) Filed 3 days after