NEPTUNE INSURANCE HOLDI-CL A (NP) Fundamental Analysis & Valuation

NYSE:NP • US64073B1035

Current stock price

27.655 USD
-0.2 (-0.7%)
Last:

This NP fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

5

1. NP Profitability Analysis

1.1 Basic Checks

  • In the past year NP was profitable.
  • NP had a positive operating cash flow in the past year.
  • The reported net income has been mixed in the past 5 years: NP reported negative net income in multiple years.
  • NP had a positive operating cash flow in each of the past 5 years.
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 2025 0 50M 100M

1.2 Ratios

  • NP has a worse Return On Assets (-41.65%) than 94.56% of its industry peers.
  • With an excellent Return On Invested Capital value of 460.90%, NP belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
Industry RankSector Rank
ROA -41.65%
ROE N/A
ROIC 460.9%
ROA(3y)4.11%
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 2025 0 -2K -4K -6K -8K -10K

1.3 Margins

  • The Operating Margin of NP (50.06%) is better than 99.32% of its industry peers.
  • NP's Operating Margin has improved in the last couple of years.
  • Looking at the Gross Margin, with a value of 69.25%, NP belongs to the top of the industry, outperforming 97.28% of the companies in the same industry.
  • NP's Gross Margin has improved in the last couple of years.
Industry RankSector Rank
OM 50.06%
PM (TTM) N/A
GM 69.25%
OM growth 3YN/A
OM growth 5Y43.86%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5Y29.07%
NP Yearly Profit, Operating, Gross MarginsNP Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2023 2024 2025 0 20 40 60

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4

2. NP Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so NP is creating value.
  • Compared to 1 year ago, NP has about the same amount of shares outstanding.
  • The number of shares outstanding for NP has been increased compared to 5 years ago.
  • Compared to 1 year ago, NP has a worse debt to assets ratio.
NP Yearly Shares OutstandingNP Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2023 2024 2025 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 2025 200M 400M 600M 800M 1B

2.2 Solvency

  • NP has an Altman-Z score of 3.33. This indicates that NP is financially healthy and has little risk of bankruptcy at the moment.
  • NP has a Altman-Z score of 3.33. This is amongst the best in the industry. NP outperforms 95.24% of its industry peers.
  • NP has a debt to FCF ratio of 5.03. This is a neutral value as NP would need 5.03 years to pay back of all of its debts.
  • NP has a worse Debt to FCF ratio (5.03) than 66.67% of its industry peers.
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF 5.03
Altman-Z 3.33
ROIC/WACC52.43
WACC8.79%
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 2025 0 200M -200M 400M

2.3 Liquidity

  • NP has a Current Ratio of 0.99. This is a bad value and indicates that NP is not financially healthy enough and could expect problems in meeting its short term obligations.
  • With a decent Current ratio value of 0.99, NP is doing good in the industry, outperforming 79.59% of the companies in the same industry.
  • NP has a Quick Ratio of 0.99. 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's Quick ratio of 0.99 is fine compared to the rest of the industry. NP outperforms 79.59% of its industry peers.
Industry RankSector Rank
Current Ratio 0.99
Quick Ratio 0.99
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 2025 100M 200M 300M

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2

3. NP Growth Analysis

3.1 Past

  • The Earnings Per Share has been growing slightly by 2.44% over the past year.
  • The earnings per share for NP have been decreasing by -10.95% on average. This is quite bad
  • The Revenue has grown by 29.76% in the past year. This is a very strong growth!
  • Measured over the past years, NP shows a small growth in Revenue. The Revenue has been growing by 1.78% on average per year.
EPS 1Y (TTM)2.44%
EPS 3Y-10.46%
EPS 5Y-10.95%
EPS Q2Q%N/A
Revenue 1Y (TTM)29.76%
Revenue growth 3Y-0.21%
Revenue growth 5Y1.78%
Sales Q2Q%N/A

3.2 Future

  • The Earnings Per Share is expected to decrease by -26.59% on average over the next years. This is quite bad
  • NP is expected to show a very negative growth in Revenue. In the coming years, the Revenue will decrease by -28.08% yearly.
EPS Next Y27.93%
EPS Next 2Y36.07%
EPS Next 3Y33.41%
EPS Next 5Y-26.59%
Revenue Next Year13.72%
Revenue Next 2Y8.43%
Revenue Next 3Y7.41%
Revenue Next 5Y-28.08%

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less 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 2028 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 2028 1 2 3 4 5

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6

4. NP Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 10.97 indicates a reasonable valuation of NP.
  • NP's Price/Earnings ratio is in line with the industry average.
  • NP is valuated cheaply when we compare the Price/Earnings ratio to 27.66, which is the current average of the S&P500 Index.
  • NP is valuated cheaply with a Price/Forward Earnings ratio of 5.93.
  • 78.23% of the companies in the same industry are more expensive than NP, based on the Price/Forward Earnings ratio.
  • NP's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 38.00.
Industry RankSector Rank
PE 10.97
Fwd PE 5.93
NP Price Earnings VS Forward Price EarningsNP Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • NP's Enterprise Value to EBITDA ratio is a bit more expensive when compared to the industry. NP is more expensive than 70.07% of the companies in the same industry.
  • Based on the Price/Free Cash Flow ratio, NP is valued a bit more expensive than 75.51% of the companies in the same industry.
Industry RankSector Rank
P/FCF 80.11
EV/EBITDA 48.81
NP Per share dataNP EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 4

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • A more expensive valuation may be justified as NP's earnings are expected to grow with 33.41% in the coming years.
PEG (NY)0.39
PEG (5Y)N/A
EPS Next 2Y36.07%
EPS Next 3Y33.41%

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6

5. NP Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 5.68%, NP is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 2.37, NP pays a better dividend. On top of this NP pays more dividend than 90.48% 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 1.81.
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 Years0
Div Non Decr Years0
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 2Y36.07%
EPS Next 3Y33.41%
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 2025 0 20M -20M 40M 60M 80M

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NP Fundamentals: All Metrics, Ratios and Statistics

NEPTUNE INSURANCE HOLDI-CL A

NYSE:NP (4/22/2026, 2:58:41 PM)

27.655

-0.2 (-0.7%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-18
Earnings (Next)04-22
Inst Owners68.98%
Inst Owner Change0.02%
Ins Owners37.9%
Ins Owner Change0.25%
Market Cap3.82B
Revenue(TTM)1.03B
Net Income(TTM)-27.20M
Analysts78
Price Target27.58 (-0.27%)
Short Float %2.1%
Short Ratio2.97
Dividend
Industry RankSector Rank
Dividend Yield 5.68%
Yearly Dividend1.89
Dividend Growth(5Y)4.75%
DP0%
Div Incr Years0
Div Non Decr Years0
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)2
Avg Revenue beat(2)4.02%
Min Revenue beat(2)0.33%
Max Revenue beat(2)7.71%
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)-0.31%
PT rev (3m)-5.94%
EPS NQ rev (1m)-0.09%
EPS NQ rev (3m)1.68%
EPS NY rev (1m)-0.15%
EPS NY rev (3m)3.67%
Revenue NQ rev (1m)0.07%
Revenue NQ rev (3m)0.58%
Revenue NY rev (1m)0.31%
Revenue NY rev (3m)3.13%
Valuation
Industry RankSector Rank
PE 10.97
Fwd PE 5.93
P/S 23.95
P/FCF 80.11
P/OCF 73.94
P/B N/A
P/tB N/A
EV/EBITDA 48.81
EPS(TTM)2.52
EY9.11%
EPS(NY)4.67
Fwd EY16.87%
FCF(TTM)0.35
FCFY1.25%
OCF(TTM)0.37
OCFY1.35%
SpS1.15
BVpS-1.65
TBVpS-1.72
PEG (NY)0.39
PEG (5Y)N/A
Graham Number0 (-100%)
Profitability
Industry RankSector Rank
ROA -41.65%
ROE N/A
ROCE 638.64%
ROIC 460.9%
ROICexc 1289.49%
ROICexgc N/A
OM 50.06%
PM (TTM) N/A
GM 69.25%
FCFM 29.89%
ROA(3y)4.11%
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)-5177.5%
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5Y182.93%
OM growth 3YN/A
OM growth 5Y43.86%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5Y29.07%
F-Score3
Asset Turnover2.44
Health
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF 5.03
Debt/EBITDA 2.87
Cap/Depr 107.11%
Cap/Sales 2.49%
Interest Coverage 4.66
Cash Conversion 61.82%
Profit Quality N/A
Current Ratio 0.99
Quick Ratio 0.99
Altman-Z 3.33
F-Score3
WACC8.79%
ROIC/WACC52.43
Cap/Depr(3y)138.16%
Cap/Depr(5y)N/A
Cap/Sales(3y)3.45%
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)2.44%
EPS 3Y-10.46%
EPS 5Y-10.95%
EPS Q2Q%N/A
EPS Next Y27.93%
EPS Next 2Y36.07%
EPS Next 3Y33.41%
EPS Next 5Y-26.59%
Revenue 1Y (TTM)29.76%
Revenue growth 3Y-0.21%
Revenue growth 5Y1.78%
Sales Q2Q%N/A
Revenue Next Year13.72%
Revenue Next 2Y8.43%
Revenue Next 3Y7.41%
Revenue Next 5Y-28.08%
EBIT growth 1Y16.69%
EBIT growth 3YN/A
EBIT growth 5Y4.4%
EBIT Next Year48.77%
EBIT Next 3Y26.31%
EBIT Next 5YN/A
FCF growth 1Y3.2%
FCF growth 3YN/A
FCF growth 5Y-8.53%
OCF growth 1Y3.49%
OCF growth 3YN/A
OCF growth 5Y-11.17%

NEPTUNE INSURANCE HOLDI-CL A / NP Fundamental Analysis 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 6 / 10 to NEPTUNE INSURANCE HOLDI-CL A (NP). This can be considered as Fairly Valued.


What is the profitability of NP stock?

NEPTUNE INSURANCE HOLDI-CL A (NP) has a profitability rating of 5 / 10.


What is the earnings growth outlook for NEPTUNE INSURANCE HOLDI-CL A?

The Earnings per Share (EPS) of NEPTUNE INSURANCE HOLDI-CL A (NP) is expected to grow by 27.93% in the next year.


How sustainable is the dividend of NEPTUNE INSURANCE HOLDI-CL A (NP) stock?

The dividend rating of NEPTUNE INSURANCE HOLDI-CL A (NP) is 6 / 10 and the dividend payout ratio is 0%.