NP
Neptune Insurance Holdings Inc.
NYSEUSDEQUITY
Financial Services
DELAYED
Neutral
-10/100
Last price
27.22
▲ 0.03 (0.09%)
MARKET · —
Price
Chart style
Interval
Intraday intervals only cover recent history. The site picks the finest interval the range allows.
Overlays
Session levels
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Both series are rebased to 0% at the left edge, so the lines show relative performance rather than price.
Tool
1D
—
H —
L —
Range —
Vol —
vs
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Open
27.60
Prev close
27.19
Day high
27.30
Day low
26.95
Volume
57.59K
Market cap
$3.73B
P/E (TTM)
118.33
52W range
14.78 – 35.15
Day trading desk
Gap from prior close
+1.51%
Prior close 27.19
VWAP
27.16
+0.21% from price
Relative volume
0.10×
Quiet session
Session range
2.53%
26.92 – 27.60
Position in range
43%
Mid range
ATR (14D)
1.20
4.41% of price
Prior day high
27.42
PDH
Prior day low
26.84
PDL
Bid / ask spread
—
Quote not published
Session volume
56.62K
Avg 578.49K
VWAP and the session figures are computed from the delayed intraday series on this page, so they lag the live tape and will not match a broker's real-time VWAP exactly. Turn on Prior day H/L/C, Opening range and Volume profile in the chart's Studies menu to see these levels drawn on price.
Trailing performance
Returnvs SPY
1W
-0.49%
-2.1%
1M
-15.09%
-16.2%
3M
-15.80%
-18.8%
6M
+4.83%
-9.7%
YTD
-6.67%
-20.3%
1Y
-9.25%
-24.6%
3Y
—
-81.3%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on NP open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
0
Net selling
Buy transactions
0
0 shares
Sell transactions
0
—
Net transactions
0
Buys less sells
Sell : buy shares
—
Not enough filings
Insider-held shares
30.77M
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Oct 2, 26 | DUFFY MATTHEW PAUL Officer |
SELL | 39.74K | $1.10M | Direct |
| Sep 14, 26 | CARLON JONATHAN WINANT Director |
SELL | 50.00K | $1.56M | Direct |
| Aug 13, 26 | STEINER JAMES Chief Financial Officer |
SELL | 100.00K | $3.14M | Direct |
| Aug 13, 26 | STEINER JAMES Chief Financial Officer |
SELL | 100.00K | $3.14M | Direct |
| Jul 29, 26 | BSIV HOLD 101, L.P. Beneficial Owner of more than 10% of a Class of Security |
SELL | 1.63M | $54.22M | Indirect |
| Jul 29, 26 | FTV VII, L.P. Beneficial Owner of more than 10% of a Class of Security |
SELL | 1.87M | $62.05M | Indirect |
| May 19, 26 | BSIV HOLD 101, L.P. Beneficial Owner of more than 10% of a Class of Security |
SELL | 5.28M | $139.33M | Indirect |
| May 19, 26 | FTV VII, L.P. Beneficial Owner of more than 10% of a Class of Security |
SELL | 6.04M | $159.45M | Indirect |
| Mar 13, 26 | BURGESS TREVOR R Chief Executive Officer |
BUY | 50.00K | $935.35K | Direct |
| Feb 20, 26 | VOSTRIZANSKY MICHAEL WARREN Director |
BUY | 23.00K | $494.42K | Direct |
| Oct 2, 25 | BURGESS TREVOR R Chief Executive Officer |
BUY | 50.00K | $1.42M | Direct |
| Oct 2, 25 | STEINER JAMES Chief Financial Officer |
BUY | 119.05K | $3.39M | Direct |
| Oct 2, 25 | CARLON JONATHAN WINANT Director |
BUY | 5.00K | $142.25K | Direct |
| Oct 2, 25 | BURGESS TREVOR R Chief Executive Officer |
STOCK | 1.98M | $0 | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
BSIV HOLD 101, L.P. |
Beneficial Owner of more than 10% of a Class of Security | — | Sale |
BURGESS TREVOR R |
Chief Executive Officer | 2.08M | Purchase |
CARLON JONATHAN WINANT |
Director | 5.71M | Sale |
DUFFY MATTHEW PAUL |
Officer | 2.01M | Sale |
FTV VII, L.P. |
Beneficial Owner of more than 10% of a Class of Security | — | Sale |
MELEJ CRISTIAN A |
Director | 59.47K | Stock Award(Grant) |
STEINER JAMES |
Chief Financial Officer | 3.75M | Sale |
VOSTRIZANSKY MICHAEL WARREN |
Director | 23.00K | Purchase |
Fundamentals
Market cap$3.73B
Enterprise value$3.95B
Revenue (TTM)$181.80M
Gross profit$95.74M
EBITDA$83.25M
Net income$37.44M
EPS (TTM)$0.23
Free cash flow$68.36M
Total cash$17.55M
Total debt$240.00M
Book value / share$-1.62
Shares outstanding93.80M
Float40.42M
Short % of float6.64%
Dividend yield0.00%
Beta (5Y)—
Valuation & profitability ratios
Trailing P/E118.33
Forward P/E40.39
PEG ratio—
Price / sales—
Price / book—
EV / revenue21.75
EV / EBITDA47.49
Gross margin52.66%
Operating margin47.52%
Profit margin21.45%
Return on equity—
Return on assets56.61%
Debt / equity—
Current ratio1.05
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | YoY |
|---|---|---|---|---|
| Total revenue | $159.55M | $119.30M | $84.87M | +33.7% |
| Operating revenue | $159.55M | $119.30M | $84.87M | +33.7% |
| Cost of revenue | $65.95M | $40.07M | $30.36M | +64.6% |
| Gross profit | $93.60M | $79.23M | $54.51M | +18.1% |
| Selling, general & admin | $10.02M | $7.76M | $6.90M | +29.2% |
| Total operating expense | $13.74M | $10.78M | $9.08M | +27.4% |
| Operating income | $79.87M | $68.45M | $45.43M | +16.7% |
| Net interest income | -$17.32M | -$16.64M | -$21.02M | -4.1% |
| Pre-tax income | $53.63M | $46.38M | $23.86M | +15.6% |
| Tax provision | $16.22M | $11.79M | $5.97M | +37.6% |
| Net income | $37.41M | $34.59M | $17.89M | +8.2% |
| Net income to common | -$27.20M | $14.72M | $9.75M | -284.8% |
| Basic EPS | -0.26 | 0.11 | 0.07 | -338.8% |
| Diluted EPS | -0.26 | 0.11 | 0.07 | -338.8% |
| EBIT | $71.88M | $63.90M | $45.18M | +12.5% |
| EBITDA | $75.59M | $66.93M | $47.37M | +12.9% |
| Basic shares | 104.50M | 135.20M | 135.20M | -22.7% |
| Diluted shares | 104.50M | 135.20M | 135.20M | -22.7% |
| Line item | 2025 | 2024 | 2023 | YoY |
|---|---|---|---|---|
| Cash & equivalents | $8.04M | $7.09M | $8.13M | +13.3% |
| Cash & short-term investments | $8.04M | $7.09M | $8.13M | +13.3% |
| Accounts receivable | $4.08M | $2.61M | $941.00K | +56.2% |
| Total current assets | $52.46M | $35.23M | $29.86M | +48.9% |
| Goodwill & intangibles | $10.29M | $10.03M | $9.34M | +2.6% |
| Total assets | $65.30M | $48.15M | $41.67M | +35.6% |
| Total current liabilities | $52.79M | $48.57M | $29.11M | +8.7% |
| Current debt | — | $8.55M | $1.90M | — |
| Long-term debt | $240.00M | $125.10M | $172.96M | +91.8% |
| Total debt | $240.00M | $133.65M | $174.86M | +79.6% |
| Total liabilities | $292.79M | $173.67M | $202.07M | +68.6% |
| Retained earnings | -$514.35M | -$366.32M | -$387.64M | -40.4% |
| Shareholder equity | -$227.49M | -$125.52M | -$160.40M | -81.2% |
| Working capital | -$331.00K | -$13.34M | $752.00K | +97.5% |
| Net tangible assets | -$237.78M | -$135.54M | -$169.74M | -75.4% |
| Shares issued | 138.15M | 135.20M | 135.20M | +2.2% |
| Line item | 2025 | 2024 | 2023 | YoY |
|---|---|---|---|---|
| Net income | $37.41M | $34.59M | $17.89M | +8.2% |
| Depreciation & amortisation | $3.71M | $3.03M | $2.18M | +22.7% |
| Stock-based compensation | $11.42M | $296.00K | $41.00K | +3,758.1% |
| Change in working capital | -$3.51M | $6.29M | -$1.05M | -155.8% |
| Operating cash flow | $51.67M | $49.93M | $18.65M | +3.5% |
| Capital expenditure | -$3.98M | -$3.71M | -$4.03M | -7.1% |
| Investing cash flow | -$3.98M | -$3.71M | -$4.03M | -7.1% |
| Share buybacks | $0 | $0 | -$10.00M | — |
| Dividends paid | -$175.00M | $0 | -$339.02M | — |
| Financing cash flow | -$35.21M | -$42.47M | -$9.87M | +17.1% |
| Free cash flow | $47.69M | $46.21M | $14.62M | +3.2% |
| End cash position | $40.55M | $28.07M | $24.32M | +44.5% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|---|
| Total revenue | $55.87M | $37.80M | $43.77M | $44.37M | $42.07M | — | +47.8% |
| Operating revenue | $55.87M | $37.80M | $43.77M | $44.37M | $42.07M | — | +47.8% |
| Cost of revenue | $24.95M | $19.77M | $25.73M | $15.61M | $14.26M | — | +26.2% |
| Gross profit | $30.92M | $18.02M | $18.04M | $28.75M | $27.80M | — | +71.5% |
| Selling, general & admin | $3.35M | $3.58M | $3.25M | $2.14M | $5.60M | — | -6.4% |
| Total operating expense | $4.37M | $4.58M | $4.23M | $3.09M | $6.51M | — | -4.7% |
| Operating income | $26.55M | $13.44M | $13.81M | $25.67M | $21.29M | — | +97.5% |
| Net interest income | -$3.36M | -$3.37M | -$4.23M | -$5.24M | -$5.62M | — | +0.1% |
| Pre-tax income | $23.19M | $10.07M | $9.11M | $15.46M | $15.67M | — | +130.1% |
| Tax provision | $7.39M | $2.73M | $4.76M | $3.95M | $4.05M | — | +171.1% |
| Net income | $15.80M | $7.35M | $4.34M | $11.51M | $11.62M | — | +114.9% |
| Net income to common | $15.80M | $7.35M | $4.31M | $5.49M | -$46.02M | — | +114.9% |
| Basic EPS | 0.11 | 0.05 | — | 0.04 | -0.34 | 0.03 | +120.0% |
| Diluted EPS | 0.11 | 0.05 | — | 0.04 | -0.34 | 0.03 | +120.0% |
| EBIT | $26.81M | $13.61M | $13.56M | $20.98M | $21.54M | — | +97.1% |
| EBITDA | $27.83M | $14.61M | $14.54M | $21.93M | $22.45M | — | +90.5% |
| Basic shares | 137.80M | 138.24M | — | 138.03M | 135.20M | 135.20M | -0.3% |
| Diluted shares | 146.19M | 145.76M | — | 138.03M | 135.20M | 135.20M | +0.3% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $17.55M | $10.54M | $8.04M | $12.18M | $11.70M | +66.5% |
| Cash & short-term investments | $17.55M | $10.54M | $8.04M | $12.18M | $11.70M | +66.5% |
| Accounts receivable | $3.89M | $4.73M | $4.08M | $3.67M | $3.20M | -17.8% |
| Total current assets | $89.02M | $72.47M | $52.46M | $76.32M | $67.89M | +22.8% |
| Goodwill & intangibles | $10.44M | $10.38M | $10.29M | $10.22M | $10.12M | +0.6% |
| Total assets | $102.21M | $85.30M | $65.30M | $89.63M | $80.95M | +19.8% |
| Total current liabilities | $84.45M | $71.65M | $52.79M | $85.13M | $82.37M | +17.9% |
| Current debt | — | — | — | $15.05M | $15.05M | — |
| Long-term debt | $240.00M | $227.00M | $240.00M | $247.59M | $277.35M | +5.7% |
| Total debt | $240.00M | $227.00M | $240.00M | $262.64M | $292.40M | +5.7% |
| Total liabilities | $324.45M | $298.65M | $292.79M | $348.30M | $359.72M | +8.6% |
| Retained earnings | -$491.21M | -$507.00M | -$514.35M | -$518.66M | -$526.62M | +3.1% |
| Shareholder equity | -$222.24M | -$213.36M | -$227.49M | -$258.67M | -$278.77M | -4.2% |
| Working capital | $4.56M | $811.00K | -$331.00K | -$8.81M | -$14.48M | +462.3% |
| Net tangible assets | -$232.68M | -$223.74M | -$237.78M | -$268.89M | -$288.89M | -4.0% |
| Shares issued | 137.21M | 138.30M | 138.15M | 138.03M | 135.20M | -0.8% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Net income | $15.80M | $7.35M | $4.34M | $11.51M | $11.62M | +114.9% |
| Depreciation & amortisation | $1.02M | $1.00M | $979.00K | $948.00K | $912.00K | +1.3% |
| Stock-based compensation | $6.95M | $6.88M | $11.12M | $112.00K | $103.00K | +1.0% |
| Change in working capital | $3.26M | $1.36M | -$6.02M | $3.30M | -$4.10M | +139.6% |
| Operating cash flow | $26.71M | $16.69M | $12.75M | $15.96M | $8.65M | +60.0% |
| Capital expenditure | -$1.07M | -$1.10M | -$1.05M | -$1.05M | -$974.00K | +1.9% |
| Investing cash flow | -$1.07M | -$1.10M | -$1.05M | -$1.05M | -$974.00K | +1.9% |
| Dividends paid | — | — | $0 | $0 | — | — |
| Financing cash flow | -$8.99M | $4.25M | -$30.20M | -$14.32M | -$1.92M | -311.4% |
| Free cash flow | $25.64M | $15.60M | $11.70M | $14.91M | $7.67M | +64.4% |
| End cash position | $77.05M | $60.39M | $40.55M | $59.05M | $58.45M | +27.6% |
Options analytics
Put / call volume
1.00
Call-heavy session
Put / call open interest
—
Positioning, not flow
Max pain
22.50
-17.3% from spot
ATM implied vol
60.2%
Nearest strike to spot
Skew (10% OTM)
+113.3%
Puts bid over calls
Call volume
1
Contracts, this expiry
Put volume
1
Contracts, this expiry
Heaviest call OI
25.00
0 contracts
Heaviest put OI
22.50
0 contracts
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | 0.14 | 0.15 | +4.4% |
| Mar 2026 | 0.10 | 0.09 | -6.4% |
| Dec 2025 | 0.10 | 0.10 | +1.4% |
| Sep 2025 | 0.11 | 0.11 | +4.2% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | 0.16 | 13 | $56.32M | +27.0% |
| Next quarter | 0.15 | 12 | $53.50M | +22.2% |
| Current year | 0.55 | 13 | $203.16M | +27.3% |
| Next year | 0.67 | 13 | $240.01M | +18.1% |
Analyst targets & ownership
Mean target$34.38
High target$39.00
Low target$31.00
Implied upside26.34%
Analyst count13
ConsensusBUY
Strong buy / Buy3 / 5
Hold5
Sell / Strong sell0 / 0
Held by insiders22.42%
Held by institutions70.28%
Institutions holding198
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
27.37
-0.55% from price
SMA 20
28.64
-4.99% from price
SMA 50
31.00
-12.22% from price
SMA 100
30.07
-9.50% from price
SMA 200
27.41
-0.71% from price
EMA 12
27.81
-2.14% from price
EMA 26
29.03
-6.25% from price
EMA 50
29.86
-8.85% from price
RSI (14)
30.9
Neutral
MACD (12,26,9)
-1.22
Hist -0.04
ATR (14)
1.20
4.41% of price
Realised vol 30D
23.2%
Annualised
Bollinger upper
31.88
20, 2σ
Bollinger lower
25.40
20, 2σ
50 / 200 cross
Golden
31.00 vs 27.41
Trend bias
Below 200
-0.71%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
0.21
Less volatile than market
Correlation to SPY
0.04
Largely independent
Realised vol 30D
23.2%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-43.8%
Peak to trough
Max drawdown 5Y
-43.8%
Peak to trough
ATR 14
1.20
4.41% of price
Beta (reported)
—
5Y monthly, from filing
Short interest
Shares short
1.81M
Prior 2.32M
Change vs prior
-22.1%
Shorts covering
% of float
6.64%
Normal
% of shares out
1.32%
Against total outstanding
Days to cover
4.6
Liquid
Float
40.42M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Rating changes
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Aug 19, 26 | Morgan Stanley | UPGRADE | Equal-Weight | Overweight |
| Jul 30, 26 | BMO Capital | DOWNGRADE | Outperform | Market Perform |
| Jul 24, 26 | Keefe, Bruyette & Woods | MAINTAINED | Market Perform | Market Perform |
| Jul 23, 26 | Wells Fargo | MAINTAINED | Overweight | Overweight |
| Jul 22, 26 | Evercore ISI Group | MAINTAINED | Outperform | Outperform |
| Jul 15, 26 | Piper Sandler | MAINTAINED | Overweight | Overweight |
| Jul 13, 26 | JP Morgan | MAINTAINED | Neutral | Neutral |
| Jul 9, 26 | Mizuho | MAINTAINED | Neutral | Neutral |
| Jul 8, 26 | Keefe, Bruyette & Woods | DOWNGRADE | Outperform | Market Perform |
| Jun 30, 26 | Wells Fargo | INITIATED | — | Overweight |
| May 21, 26 | Morgan Stanley | MAINTAINED | Equal-Weight | Equal-Weight |
| May 8, 26 | Evercore ISI Group | MAINTAINED | Outperform | Outperform |
Dividends & splits
Forward rate—
Forward yield0.00%
5-year avg yield—
Payout ratio0.00%
Ex-dividend date—
Next pay date—
Last split—
Split date—
SEC filings
Corporate Changes & Voting Matters
8-K/A · 2026-10-02
Corporate Changes & Voting Matters
8-K · 2026-10-01
Periodic Financial Reports
10-Q · 2026-07-27
Corporate Changes & Voting Matters
8-K · 2026-07-21
Corporate Changes & Voting Matters
8-K · 2026-06-01
Offering Registrations
S-1MEF · 2026-05-13
A correspondence can be sent as a document with another submission type or can be sent as a separate submission
CORRESP · 2026-05-11
Offering Registrations
DRS · 2026-04-29
Headlines
Neptune Makes Flood Insurance Ready for the AI Agent Era
Business Wire · 6d ago
Neptune Insurance Holdings Appoints David Noble to Board of Directors
Business Wire · 7d ago
Neptune Insurance Holdings (NP) Following Its Recent Run Looks Undervalued By The Leading Narrative
Simply Wall St. · 14d ago
Neptune Insurance Holdings Insider Sold Shares Worth $1,557,595, According to a Recent SEC Filing
MT Newswires · 22d ago
$2.6 Billion in NFIP Subsidies Remain Five Years into Risk Rating 2.0, Neptune Flood Research Group Analysis of FEMA Data Shows
Business Wire · 28d ago
Morgan Stanley Upgrades Neptune Insurance to Overweight From Equalweight, Adjusts PT to $36 From $31
MT Newswires · 49d ago
Stock Market, IPO Leaders Rally To New Highs. Check This Screen Daily.
Investor's Business Daily · 61d ago
Neptune Flood Research Group Examines a Decade of Storms, Warns 2025's Quiet Hurricane Season Isn't a Trend
Business Wire · 62d ago
PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
The research you are reading is the input layer for a discretionary options program we run for a small number of qualified investors. Minimum $1,000,000.