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Company Overview Neptune is a leading, high-growth, highly profitable, data-driven MGA that is revolutionizing the way homeowners and businesses protect against the growing risks of flooding. We offer a range of easy-to-purchase residential and commercial insurance products - including primary flood insurance, excess flood insurance, and parametric earthquake insurance - distributed through a n…
$31.03
$0.18 (-0.58%)
EOD Jul 17, 2026
44.47% operating margin is above average.
Revenue grew 33.7%, still solid. Margins contracted 12.9pp, which offsets some of the top-line progress.
At 130x earnings, the current multiple leaves limited room for execution misses or growth deceleration. Operating margin contracted 12.9pp YoY, cost discipline may be slipping.
129.9x earnings. The market is pricing in years of above-average growth. If that thesis breaks, downside from multiple compression alone could be 30%+. This is a stock where you're paying for the future, not the present.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (FY)
$160M
▲ +33.7% YoY
Net Income (TTM)
$35M
▲ +8.2% YoY
Op. Margin
44.47%
▼ -12.9pp YoY
ROIC
—
Cash Flow & Balance Sheet
FCF
N/A
Op. Cash Flow (FY)
$52M
▲ +3.5% YoY
Net Debt
-$11M
Net Cash Position
Cash & Equiv.
$11M
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At a P/E of , A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in .
On quality, Neptune Insurance Holdings scores 29/100 on Intrinsiqq's quality scorecard (a lower-quality business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. It currently yields about 3.9%; see dividend safety for coverage and history. All figures are computed from SEC filings; read the full methodology. This is analysis, not investment advice.
Neptune Insurance Holdings scores 29 out of 100 on Intrinsiqq's quality score, a weighted blend of 5 metrics each scored 0 to 100, which makes it a lower-quality business on these measures. Recent fundamentals include a 44.5% operating margin. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
Yes, Neptune Insurance Holdings pays a regular dividend of about $1.20 per share per year (typically in quarterly installments), a yield of roughly 3.9% at the current price. That is a payout ratio of about 502.6% of earnings, so the dividend is stretched at this level. A low headline yield is not the same as a weak dividend: what matters is how well earnings and free cash flow cover the payout and whether it is growing, not the percentage alone. For NP's full payout history, growth streak and dividend-safety score, see the dividends tab.
That depends on valuation and quality together, not either alone. you should weigh NP's valuation and scores 29/100 on quality (lower-quality). It also yields about 3.9%. A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.