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Neptune Insurance Holdings (NP) Fair Value & Analysis

Financial Services · US · Market cap $3.4B

Price$29.72
Fair Value$5.13
Upside-82.7%
Quality87/100
Evidence: Medium Range $3.84 – $6.41

Fair value as of: Jun 25, 2026

Analysis

Neptune Insurance Holdings (NP) currently trades at $29.72, while our model-based Fair Value estimate is $5.13 — implying the stock looks roughly 82.7% overvalued today. We read business quality at 87/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: medium).

About the company

Neptune Insurance Holdings Inc., through its subsidiary, Neptune Flood Incorporated, operates as an insurance agency that engages in selling residential and commercial flood insurance policies on behalf of insurance carrier partners in the United States. The company offers primary and excess flood, parametric earthquake, and indemnity earthquake insurance through a network of agencies. Neptune Insurance Holdings Inc. was founded in 2016 and is based in Saint Petersburg, Florida.

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Frequently asked questions

Is Neptune Insurance Holdings (NP) undervalued?
As of Jun 25, 2026, our model estimates a fair value of $5.13 versus a price of $29.72 — about −83% (overvalued). Model-based estimate, not financial advice.
What is the fair value of NP?
Our 21-model fair value for Neptune Insurance Holdings is $5.13 (as of Jun 25, 2026), built from audited fundamentals. The current price is $29.72.
What is the quality score of NP?
Neptune Insurance Holdings has a Quality Score of 87/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.