NEPTUNE INSURANCE HOLDI-CL A (NP) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:NP • US64073B1035

23.56 USD
+0.39 (+1.68%)
At close: Feb 6, 2026
23.56 USD
0 (0%)
After Hours: 2/6/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Taking everything into account, NP scores 4 out of 10 in our fundamental rating. NP was compared to 147 industry peers in the Insurance industry. While NP has a great profitability rating, there are quite some concerns on its financial health. NP does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

7

1. Profitability

1.1 Basic Checks

  • NP had positive earnings in the past year.
  • In multiple years NP reported negative net income over the last 5 years.
  • In the past 5 years NP always reported a positive cash flow from operatings.
NP Yearly Net Income VS EBIT VS OCF VS FCFNP Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2023 2024 0 50M 100M

1.2 Ratios

  • NP has a Return On Assets of 16.42%. This is amongst the best in the industry. NP outperforms 98.64% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 1138.65%, NP belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
Industry RankSector Rank
ROA 16.42%
ROE N/A
ROIC 1138.65%
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
NP Yearly ROA, ROE, ROICNP Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2023 2024 0 -2K -4K -6K -8K -10K

1.3 Margins

  • With a decent Profit Margin value of 12.34%, NP is doing good in the industry, outperforming 66.67% of the companies in the same industry.
  • NP's Profit Margin has improved in the last couple of years.
  • NP's Operating Margin of 57.37% is amongst the best of the industry. NP outperforms 100.00% of its industry peers.
  • In the last couple of years the Operating Margin of NP has grown nicely.
  • The Gross Margin of NP (70.40%) is better than 97.28% of its industry peers.
  • NP's Gross Margin has improved in the last couple of years.
Industry RankSector Rank
OM 57.37%
PM (TTM) 12.34%
GM 70.4%
OM growth 3Y109.15%
OM growth 5Y45.31%
PM growth 3YN/A
PM growth 5Y15.89%
GM growth 3Y64.28%
GM growth 5Y29.22%
NP Yearly Profit, Operating, Gross MarginsNP Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2023 2024 0 20 40 60

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

2.1 Basic Checks

  • NP has a Return on Invested Capital (ROIC), which is well above the Cost of Capital (WACC), which means it is creating value.
  • NP has about the same amout of shares outstanding than it did 1 year ago.
  • The number of shares outstanding for NP has been increased compared to 5 years ago.
  • Compared to 1 year ago, NP has an improved debt to assets ratio.
NP Yearly Shares OutstandingNP Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2023 2024 20M 40M 60M 80M 100M
NP Yearly Total Debt VS Total AssetsNP Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2023 2024 200M 400M 600M 800M 1B

2.2 Solvency

  • Based on the Altman-Z score of 1.14, we must say that NP is in the distress zone and has some risk of bankruptcy.
  • NP has a Altman-Z score of 1.14. This is amongst the best in the industry. NP outperforms 82.31% of its industry peers.
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF N/A
Altman-Z 1.14
ROIC/WACC128.95
WACC8.83%
NP Yearly LT Debt VS Equity VS FCFNP Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2023 2024 0 200M 400M

2.3 Liquidity

  • A Current Ratio of 0.90 indicates that NP may have some problems paying its short term obligations.
  • The Current ratio of NP (0.90) is better than 77.55% of its industry peers.
  • NP has a Quick Ratio of 0.90. This is a bad value and indicates that NP is not financially healthy enough and could expect problems in meeting its short term obligations.
  • NP has a better Quick ratio (0.90) than 77.55% of its industry peers.
Industry RankSector Rank
Current Ratio 0.9
Quick Ratio 0.9
NP Yearly Current Assets VS Current LiabilitesNP Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2023 2024 100M 200M 300M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 50.99% over the past year.
  • The earnings per share for NP have been decreasing by -49.60% on average. This is quite bad
  • The Revenue has grown by 40.57% in the past year. This is a very strong growth!
  • Measured over the past years, NP shows a very negative growth in Revenue. The Revenue has been decreasing by -33.80% on average per year.
EPS 1Y (TTM)50.99%
EPS 3YN/A
EPS 5Y-49.6%
EPS Q2Q%N/A
Revenue 1Y (TTM)40.57%
Revenue growth 3Y-51.23%
Revenue growth 5Y-33.8%
Sales Q2Q%N/A

3.2 Future

  • NP is expected to show a very negative growth in Earnings Per Share. In the coming years, the EPS will decrease by -52.66% yearly.
  • The Revenue is expected to decrease by -44.07% on average over the next years. This is quite bad
EPS Next Y-93.53%
EPS Next 2Y-70.58%
EPS Next 3Y-52.66%
EPS Next 5YN/A
Revenue Next Year-87.66%
Revenue Next 2Y-61.18%
Revenue Next 3Y-44.07%
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
NP Yearly Revenue VS EstimatesNP Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M 800M 1B
NP Yearly EPS VS EstimatesNP Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3 4 5

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Find the best growth stocksShow best growing peers

1

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 214.18, which means the current valuation is very expensive for NP.
  • NP's Price/Earnings ratio is rather expensive when compared to the industry. NP is more expensive than 84.35% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 27.92, NP is valued quite expensively.
  • With a Price/Forward Earnings ratio of 45.47, NP can be considered very expensive at the moment.
  • Based on the Price/Forward Earnings ratio, NP is valued a bit more expensive than 78.91% of the companies in the same industry.
  • NP's Price/Forward Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 27.78.
Industry RankSector Rank
PE 214.18
Fwd PE 45.47
NP Price Earnings VS Forward Price EarningsNP Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 50 100 150 200

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, NP is valued a bit more expensive than the industry average as 72.79% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 48.25
NP Per share dataNP EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 0.5 -0.5 -1 -1.5

4.3 Compensation for Growth

  • NP has a very decent profitability rating, which may justify a higher PE ratio.
  • NP's earnings are expected to decrease with -52.66% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-70.58%
EPS Next 3Y-52.66%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. Dividend

5.1 Amount

  • NP has a Yearly Dividend Yield of 5.68%, which is a nice return.
  • Compared to an average industry Dividend Yield of 2.21, NP pays a better dividend. On top of this NP pays more dividend than 91.16% of the companies listed in the same industry.
  • NP's Dividend Yield is rather good when compared to the S&P500 average which is at 1.83.
Industry RankSector Rank
Dividend Yield 5.68%

5.2 History

  • The dividend of NP has a limited annual growth rate of 4.75%.
  • NP has paid a dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)4.75%
Div Incr YearsN/A
Div Non Decr YearsN/A
NP Yearly Dividends per shareNP Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 0.5 1 1.5

5.3 Sustainability

DP0%
EPS Next 2Y-70.58%
EPS Next 3Y-52.66%
NP Yearly Income VS Free CF VS DividendNP Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2023 2024 0 20M -20M 40M 60M 80M

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Find the best dividend stocksShow peers with best dividend

NEPTUNE INSURANCE HOLDI-CL A

NYSE:NP (2/6/2026, 8:04:00 PM)

After market: 23.56 0 (0%)

23.56

+0.39 (+1.68%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)05-04
Earnings (Next)08-03
Inst Owners26.98%
Inst Owner Change860.48%
Ins Owners37.87%
Ins Owner Change9.09%
Market Cap3.25B
Revenue(TTM)119.30M
Net Income(TTM)14.72M
Analysts74
Price Target29.33 (24.49%)
Short Float %2.77%
Short Ratio2.86
Dividend
Industry RankSector Rank
Dividend Yield 5.68%
Yearly Dividend1.89
Dividend Growth(5Y)4.75%
DP0%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0.73%
PT rev (3m)N/A
EPS NQ rev (1m)0%
EPS NQ rev (3m)N/A
EPS NY rev (1m)-1.53%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 214.18
Fwd PE 45.47
P/S 27.26
P/FCF N/A
P/OCF N/A
P/B N/A
P/tB N/A
EV/EBITDA 48.25
EPS(TTM)0.11
EY0.47%
EPS(NY)0.52
Fwd EY2.2%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS0.86
BVpS-1.87
TBVpS-1.95
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA 16.42%
ROE N/A
ROCE 1522.71%
ROIC 1138.65%
ROICexc N/A
ROICexgc N/A
OM 57.37%
PM (TTM) 12.34%
GM 70.4%
FCFM N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y109.15%
OM growth 5Y45.31%
PM growth 3YN/A
PM growth 5Y15.89%
GM growth 3Y64.28%
GM growth 5Y29.22%
F-ScoreN/A
Asset Turnover1.33
Health
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF N/A
Debt/EBITDA 3.46
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.9
Quick Ratio 0.9
Altman-Z 1.14
F-ScoreN/A
WACC8.83%
ROIC/WACC128.95
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)50.99%
EPS 3YN/A
EPS 5Y-49.6%
EPS Q2Q%N/A
EPS Next Y-93.53%
EPS Next 2Y-70.58%
EPS Next 3Y-52.66%
EPS Next 5YN/A
Revenue 1Y (TTM)40.57%
Revenue growth 3Y-51.23%
Revenue growth 5Y-33.8%
Sales Q2Q%N/A
Revenue Next Year-87.66%
Revenue Next 2Y-61.18%
Revenue Next 3Y-44.07%
Revenue Next 5YN/A
EBIT growth 1Y50.66%
EBIT growth 3Y2%
EBIT growth 5Y-3.81%
EBIT Next Year40.17%
EBIT Next 3Y26.27%
EBIT Next 5YN/A
FCF growth 1Y216.16%
FCF growth 3Y22.73%
FCF growth 5Y-9.52%
OCF growth 1Y167.74%
OCF growth 3Y-2.09%
OCF growth 5Y-12.55%

NEPTUNE INSURANCE HOLDI-CL A / NP FAQ

What is the fundamental rating for NP stock?

ChartMill assigns a fundamental rating of 4 / 10 to NP.


What is the valuation status for NP stock?

ChartMill assigns a valuation rating of 1 / 10 to NEPTUNE INSURANCE HOLDI-CL A (NP). This can be considered as Overvalued.


Can you provide the profitability details for NEPTUNE INSURANCE HOLDI-CL A?

NEPTUNE INSURANCE HOLDI-CL A (NP) has a profitability rating of 7 / 10.


Can you provide the PE and PB ratios for NP stock?

The Price/Earnings (PE) ratio for NEPTUNE INSURANCE HOLDI-CL A (NP) is 214.18 and the Price/Book (PB) ratio is -12.57.


Can you provide the financial health for NP stock?

The financial health rating of NEPTUNE INSURANCE HOLDI-CL A (NP) is 3 / 10.