NEPTUNE INSURANCE HOLDI-CL A (NP) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:NP - US64073B1035 - Common Stock
25.99 USD
-0.02 (-0.08%)
25.99 USD
0 (0%)
Taking everything into account, NP scores 4 out of 10 in our fundamental rating. NP was compared to 149 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.
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.
1.2 Ratios
- NP's Return On Assets of 16.42% is amongst the best of the industry. NP outperforms 98.66% 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 Rank | Sector 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
1.3 Margins
- With a decent Profit Margin value of 12.34%, NP is doing good in the industry, outperforming 67.11% of the companies in the same industry.
- In the last couple of years the Profit Margin of NP has grown nicely.
- NP's Operating Margin of 57.37% is amongst the best of the industry. NP outperforms 100.00% of its industry peers.
- NP's Operating Margin has improved in the last couple of years.
- NP has a Gross Margin of 70.40%. This is amongst the best in the industry. NP outperforms 97.32% of its industry peers.
- NP's Gross Margin has improved in the last couple of years.
| Industry Rank | Sector 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%
2. Health
2.1 Basic Checks
- The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so NP is creating value.
- The number of shares outstanding for NP remains at a similar level compared to 1 year ago.
- Compared to 5 years ago, NP has more shares outstanding
- NP has a better debt/assets ratio than last year.
2.2 Solvency
- An Altman-Z score of 1.81 indicates that NP is not a great score, but indicates only limited risk for bankruptcy at the moment.
- NP's Altman-Z score of 1.81 is amongst the best of the industry. NP outperforms 88.59% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | N/A | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.81 |
ROIC/WACC128.66
WACC8.85%
2.3 Liquidity
- NP has a Current 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's Current ratio of 0.90 is fine compared to the rest of the industry. NP outperforms 76.51% of its industry peers.
- A Quick Ratio of 0.90 indicates that NP may have some problems paying its short term obligations.
- The Quick ratio of NP (0.90) is better than 76.51% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.9 | ||
| Quick Ratio | 0.9 |
3. Growth
3.1 Past
- NP shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 50.99%, which is quite impressive.
- 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!
- NP shows a very negative growth in Revenue. Measured over the last years, the Revenue has been decreasing by -33.80% yearly.
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.
- Based on estimates for the next years, NP will show a very negative growth in Revenue. The Revenue will decrease by -44.08% on average per year.
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-61.19%
Revenue Next 3Y-44.08%
Revenue Next 5YN/A
3.3 Evolution
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 236.27 indicates a quite expensive valuation of NP.
- 83.22% of the companies in the same industry are cheaper than NP, based on the Price/Earnings ratio.
- The average S&P500 Price/Earnings ratio is at 27.38. NP is valued rather expensively when compared to this.
- NP is valuated quite expensively with a Price/Forward Earnings ratio of 50.17.
- 78.52% of the companies in the same industry are cheaper than NP, based on the Price/Forward Earnings ratio.
- Compared to an average S&P500 Price/Forward Earnings ratio of 24.29, NP is valued quite expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 236.27 | ||
| Fwd PE | 50.17 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, NP is valued a bit more expensive than the industry average as 73.83% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 53.7 |
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%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 5.68%, NP is a good candidate for dividend investing.
- NP's Dividend Yield is rather good when compared to the industry average which is at 2.53. NP pays more dividend than 85.91% of the companies in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.84, NP pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.68% |
5.2 History
- The dividend of NP has a limited annual growth rate of 4.75%.
- NP has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)4.75%
Div Incr YearsN/A
Div Non Decr YearsN/A
5.3 Sustainability
DP0%
EPS Next 2Y-70.58%
EPS Next 3Y-52.66%
25.99
-0.02 (-0.08%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)05-04 2022-05-04/amc
Earnings (Next)08-03 2022-08-03
Inst Owners26.98%
Inst Owner Change-2.6%
Ins Owners37.87%
Ins Owner Change9.09%
Market Cap3.59B
Revenue(TTM)119.30M
Net Income(TTM)14.72M
Analysts74
Price Target29.33 (12.85%)
Short Float %1.88%
Short Ratio2.23
Dividend
| Industry Rank | Sector 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)1.85%
PT rev (3m)N/A
EPS NQ rev (1m)0.86%
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 236.27 | ||
| Fwd PE | 50.17 | ||
| P/S | 30.07 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | N/A | ||
| P/tB | N/A | ||
| EV/EBITDA | 53.7 |
EPS(TTM)0.11
EY0.42%
EPS(NY)0.52
Fwd EY1.99%
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 Rank | Sector 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 Rank | Sector 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 | 1.81 |
F-ScoreN/A
WACC8.85%
ROIC/WACC128.66
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-61.19%
Revenue Next 3Y-44.08%
Revenue Next 5YN/A
EBIT growth 1Y50.66%
EBIT growth 3Y2%
EBIT growth 5Y-3.81%
EBIT Next Year40.17%
EBIT Next 3Y26.22%
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 236.27 and the Price/Book (PB) ratio is -13.87.
Can you provide the financial health for NP stock?
The financial health rating of NEPTUNE INSURANCE HOLDI-CL A (NP) is 3 / 10.