# Neptune Insurance Holdings Inc. (NP) fundamentals

Data as of 2026-09-08. NYSE, United States. Sector: Basic Materials / Paper & Forest Products. Price $33.23, market value $4.6 billion.

## Valuation
- **P/E (trailing): 158.2×**. Neptune Insurance Holdings Inc. trades at 158.2× trailing earnings. The Basic Materials median in the September 2026 study was 19.0×. Forward P/E is 49.3×, lower than trailing, so analysts expect earnings to grow.
- **Price / sales: 28.6×**. Each dollar of revenue is priced at 28.6×, a level that requires very high margins or very fast growth to justify.
- **Earnings yield: 0.6%**. The inverse of the P/E: 0.6% of the price is earned each year.

## Profitability
- **Operating margin: 44.5%**. 44.5% of revenue is left after running the business, an exceptional level.
- **Net margin: 23.4%**. 23.4% of each dollar of sales reaches the bottom line.
- **Return on equity: -16.4%**. Return on equity is negative because earnings are negative.
- **Return on invested capital: -23.8%**. Return on all capital, debt included, is -23.8%: close to or below the cost of capital, so growth may not create value.
- **Return on assets: 57.3%**. Each dollar of assets produces 57.3% of profit.

## Growth
- **Revenue growth (1 yr): 33.7%**. Revenue grew 33.7% over the last year.
- **EPS growth (1 yr): -262.5%**. Earnings per share fell 262.5%, slower than revenue, so margins compressed.

## Financial health
- **Debt to equity: 0.00**. Debt is 0.00 times equity: a conservative balance sheet.
- **Altman Z-score: 10.50**. A Z-score of 10.50 places the company in the safe zone for bankruptcy risk.
- **Piotroski F-score: 4/9**. 4 of 9 checks pass: mixed.

## Dividends
- **Dividend: none**. Neptune Insurance Holdings Inc. does not currently pay a dividend.

## Analyst view
- **Analyst consensus: buy** (13 analysts). 13 analysts cover Neptune Insurance Holdings Inc.; the consensus is buy, with an average price target of $34.54 (+4% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **From 52-week high: -5.5%** (124.8% above the low). Trading 5% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 54**. An RSI of 54 is neutral.
- **Beta (1 yr): 0.24** (volatility 67%). Beta of 0.24 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=NP · Page: https://foliofundamentals.com/stocks/np

Not investment advice.