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

NYSE:NP • US64073B1035

Current stock price

22.17 USD
-0.68 (-2.98%)
At close:
21.85 USD
-0.32 (-1.44%)
Pre-Market:

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

7

1. NP Profitability Analysis

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.
  • 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 0 50M 100M

1.2 Ratios

  • NP's Return On Assets of 16.42% is amongst the best of the industry. NP outperforms 97.97% of its industry peers.
  • The Return On Invested Capital of NP (1138.65%) is better than 100.00% of its industry peers.
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 70.27% of the companies in the same industry.
  • In the last couple of years the Profit Margin of NP has grown nicely.
  • NP has a Operating Margin of 57.37%. This is amongst the best in the industry. NP outperforms 100.00% of its industry peers.
  • In the last couple of years the Operating Margin of NP has grown nicely.
  • With an excellent Gross Margin value of 70.40%, NP belongs to the best of the industry, outperforming 97.97% of the companies in the same industry.
  • In the last couple of years the Gross Margin of NP has grown nicely.
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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3

2. NP Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), 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
  • The debt/assets ratio for NP has been reduced compared to a year ago.
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

  • NP has an Altman-Z score of 0.91. This is a bad value and indicates that NP is not financially healthy and even has some risk of bankruptcy.
  • NP has a better Altman-Z score (0.91) than 79.05% of its industry peers.
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF N/A
Altman-Z 0.91
ROIC/WACC128.37
WACC8.87%
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

  • 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.
  • The Current ratio of NP (0.90) is better than 77.03% of its industry peers.
  • A Quick Ratio of 0.90 indicates that NP may have some problems paying its short term obligations.
  • With a decent Quick ratio value of 0.90, NP is doing good in the industry, outperforming 77.03% of the companies in the same industry.
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

2

3. NP Growth Analysis

3.1 Past

  • NP shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 2.44%.
  • Measured over the past years, NP shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -10.95% on average per year.
  • NP shows a strong growth in Revenue. In the last year, the Revenue has grown by 29.76%.
  • NP shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 1.78% yearly.
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

  • Based on estimates for the next years, NP will show a very negative growth in Earnings Per Share. The EPS will decrease by -26.57% on average per year.
  • Based on estimates for the next years, NP will show a very negative growth in Revenue. The Revenue will decrease by -28.05% on average per year.
EPS Next Y27.93%
EPS Next 2Y36.07%
EPS Next 3Y33.41%
EPS Next 5Y-26.57%
Revenue Next Year13.72%
Revenue Next 2Y8.43%
Revenue Next 3Y7.41%
Revenue Next 5Y-28.05%

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 decreasing.
  • 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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7

4. NP Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 8.80, which indicates a very decent valuation of NP.
  • 66.22% of the companies in the same industry are more expensive than NP, based on the Price/Earnings ratio.
  • NP's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.73.
  • NP is valuated cheaply with a Price/Forward Earnings ratio of 4.75.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of NP indicates a rather cheap valuation: NP is cheaper than 81.76% of the companies listed in the same industry.
  • NP is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.72, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 8.8
Fwd PE 4.75
NP Price Earnings VS Forward Price EarningsNP Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, NP is valued a bit more expensive than the industry average as 68.92% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 46.36
NP Per share dataNP EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 4

4.3 Compensation for Growth

  • NP's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • NP has a very decent profitability rating, which may justify a higher PE ratio.
  • NP's earnings are expected to grow with 33.41% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.31
PEG (5Y)N/A
EPS Next 2Y36.07%
EPS Next 3Y33.41%

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

6

5. NP Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 5.68%, NP is a good candidate for dividend investing.
  • In the last 3 months the price of NP has falen by -21.30%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
  • NP's Dividend Yield is rather good when compared to the industry average which is at 2.83. NP pays more dividend than 81.08% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.91, NP pays a better dividend.
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 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
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 0 20M -20M 40M 60M 80M

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NP Fundamentals: All Metrics, Ratios and Statistics

NEPTUNE INSURANCE HOLDI-CL A

NYSE:NP (3/19/2026, 8:19:37 PM)

Premarket: 21.85 -0.32 (-1.44%)

22.17

-0.68 (-2.98%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-18
Earnings (Next)N/A
Inst Owners90.47%
Inst Owner Change29043.2%
Ins Owners37.85%
Ins Owner Change9.31%
Market Cap3.06B
Revenue(TTM)1.03B
Net Income(TTM)14.72M
Analysts78
Price Target27.67 (24.81%)
Short Float %2.49%
Short Ratio3.5
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)-5.65%
PT rev (3m)-3.91%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2.43%
EPS NY rev (1m)-0.44%
EPS NY rev (3m)-0.87%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.58%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.21%
Valuation
Industry RankSector Rank
PE 8.8
Fwd PE 4.75
P/S 25.67
P/FCF N/A
P/OCF N/A
P/B N/A
P/tB N/A
EV/EBITDA 46.36
EPS(TTM)2.52
EY11.37%
EPS(NY)4.67
Fwd EY21.05%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS0.86
BVpS-1.87
TBVpS-1.95
PEG (NY)0.31
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 0.91
F-ScoreN/A
WACC8.87%
ROIC/WACC128.37
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)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-26.57%
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-28.05%
EBIT growth 1Y50.66%
EBIT growth 3Y2%
EBIT growth 5Y-3.81%
EBIT Next Year40.17%
EBIT Next 3Y27.49%
EBIT Next 5Y24.74%
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 Fundamental Analysis FAQ

What is the fundamental rating for NP stock?

ChartMill assigns a fundamental rating of 5 / 10 to NP.


What is the valuation status for NP stock?

ChartMill assigns a valuation rating of 7 / 10 to NEPTUNE INSURANCE HOLDI-CL A (NP). This can be considered as Undervalued.


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 8.8 and the Price/Book (PB) ratio is -11.84.


Can you provide the financial health for NP stock?

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