Insider buying last 90 days
No open-market insider purchases were filed for NP in the last 90 days.
From Form 4 filings, dated to when each was filed.
Every NP insider filing, plotted on the chart in Gekko.Open NP in Gekko
NYSE: NP
Neptune Insurance (NP) Stock Analysis & Forecast
Oct 12 close
$29.00+0.26 (+0.9%)
Gekko Brief
Oct 12 closeNeptune Insurance closed at $29.00 on 12 October 2026, +0.9% on the day. The price sits between the 50-day ($30.77) and 200-day ($27.41) moving averages, inside a 52-week range of $14.78 to $35.15. The GekkoIndex reads 60.6, in the Accumulation zone, down 12.4 points over five sessions. Gekko Fair Value is $32.22, so the price is 10% below it.
The next earnings report is due on 11 November 2026, 30 days away. Over the last 4 reports the company beat the earnings estimate 2 times, with an average move of 4.2% across the report.
11 firms rate the stock: 6 buy, 5 hold and 0 sell, with a consensus target of $34.31. A typical daily move is about 3.6%, and a typical 20-day move about 9.5%. On the swing-trade checklist, 3 items read supportive and 0 read as a headwind.
A plain summary of the figures as of the Oct 12, 2026 close.
Neptune Insurance price vs fair value
Close $29.00200-day averageGekko Fair Value $32.22
Neptune Insurance quick facts
- Market cap
- $2.72B
- P/E ratio
- 123.7
- Forward P/E
- 41.3
- EPS, TTM
- $0.23
- Revenue, TTM
- $181.8M
- Profit margin
- 21.4%
- Dividend yield
- —
- Beta
- —
- Volume
- 363,541 avg 585,917
- 1-year return
- +5.7%
- Typical daily move
- ±3.6%
- Typical 20-day move
- ±9.5%
- 50-day average
- $30.77
- 200-day average
- $27.41
- Next earnings
- Nov 11
- Shares outstanding
- 93.80M
Neptune Insurance swing-trade checklist
Neptune Insurance scores 3 supportive, 1 mixed and 0 headwinds across the 4 checklist items with data.
Six things swing traders check before a 20-day hold, read from the latest data.
3 supportive1 mixed0 headwinds
- Trendmixed
Averages disagree
Close $29.00 sits between the 50-day ($30.77) and 200-day ($27.41) averages, or the averages disagree.
See the chart - GekkoIndexsupportive
60.6, Accumulation
Reading 60.6 is in the Accumulation zone.
See the GekkoIndex - Fair valuesupportive
10.0% below
Price is 10% below Gekko Fair Value (more than 5% below).
See fair value - Smart moneyno data
No data
No insider, Congress or unusual options activity in the window.
See smart money - Earnings risksupportive
Reports in 30 days
Next report Nov 11, 2026, 30 days away — outside a typical 20-trading-day hold.
See earnings - Seasonalityno data
No data
Not enough years of history for a seasonal read.
A description of current data, not a recommendation. How this page works
Neptune Insurance stock chart and price history
Neptune Insurance closed at $29.00 on Oct 12, 2026, +5.7% over the past year, inside a 52-week range of $14.78 to $35.15.
Close50-day average200-day averageVolume
Use the left and right arrow keys to read daily values.
Performance Breakdown
- 1 month
- −8.2%
- 3 months
- −8.8%
- 6 months
- +13.5%
- 1 year
- +5.7%
The full NP chart adds GekkoIndex, insider, options, Congress and hedge fund markers, plus TrendCandles™.Open NP in Gekko
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About Neptune Insurance
Neptune Insurance arranges flood coverage rather than writing it from its own balance sheet, operating as a managing general agent that uses technology to design and distribute policies. Its product lineup spans primary and excess flood protection for homes and businesses, along with parametric earthquake policies. The company is particularly associated with its AI-driven platforms, Triton for underwriting and Poseidon for policy administration.
Neptune reaches customers through a broad network of agents rather than selling directly, and it leaves the financial risk and claims handling to the insurance and reinsurance carriers it partners with. This structure allows Neptune to focus on the technology and distribution side of the flood insurance process while carriers absorb the underwriting exposure.
Shares of Neptune Insurance are listed on the NYSE under the ticker NP.
- Listed
- NYSE
- Sector
- Finance
- Industry
- Insurance brokers/Services
- Website
- neptuneflood.com
Neptune Insurance GekkoIndex: the smart money zone
Neptune Insurance’s GekkoIndex — Gekko’s 0 to 100 smart money score — reads 60.6, in the Accumulation zone, down 12.4 points over five sessions.
60.6Accumulation
Down 12.4 points over five sessions, from the Buying zone.
Reading for Oct 12, 2026
What followed past readings in each zone
| Zone | Readings | 5 days | 20 days | ||
|---|---|---|---|---|---|
| Buying | 17 | +2.4% | +11.9% | ||
| Accumulation (current zone) | 69 | +0.1% | +5.2% | ||
| Neutral | 150 | +0.7% | +0.7% | ||
| Distribution | 17 | −4.7% | −7.3% | ||
| Selling | 0 | Not available | |||
Average NP share-price change over the trading days after each daily reading in its GekkoIndex history. Across every stock Gekko tracks, Accumulation readings averaged +2.2% over 20 days. Past behaviour doesn’t guarantee future results.
Accumulation zone: Institutional interest building. About the five zones →
See every daily GekkoIndex reading plotted over the NP price, zone by zone.Track NP in Gekko
Is Neptune Insurance stock overvalued? Gekko Fair Value
Neptune Insurance trades 10.0% below Gekko Fair Value of $32.22, so the shares are undervalued on Gekko’s estimate.
Gekko’s own estimate of what Neptune Insurance shares are worth, recalculated every trading day.
$32.22
Gekko Fair Value, Oct 10, 2026
10.0% Undervalued
At the end of Aug 2026 the price was 0.8% below the estimate.
Gekko Fair ValueShare price, month end
Gekko Fair Value on every chart, with the gap to price updating daily.Open NP in Gekko
Neptune Insurance insider and Congress trading
No open-market insider purchases were filed for Neptune Insurance, and no Congress trades were disclosed, in the last 90 days.
Plus buybacks, unusual options and fund positions, each dated to when it became public.
Congress trades last 90 days
No trades in NP were disclosed by members of Congress in the last 90 days.
From congressional disclosures, which report amounts as ranges.
Congress disclosures for NP, plotted on the chart in Gekko.Open NP in Gekko
Buybacks
Neptune Insurance has been buying back its own shares.
- Latest authorization
- $100.0M, Apr 22, 2026
- Bought back, year ended Dec 31, 2023
- $10.00M
- As a share of market cap
- 0.37%
From company filings.
Hedge funds and billionaires quarter ended Mar 31
0of the funds Gekko tracks hold NP.
0added0opened0trimmed1sold out
Which funds are on each side, name by name.Unlock in Gekko
Neptune Insurance earnings: next date and track record
Neptune Insurance reports on Nov 11, 2026 (30 days away), and beat the EPS estimate in 2 of its last 4 reports.
Next earnings report
Nov 11, 2026
30 days away
- EPS estimate
- $0.16
- Revenue estimate
- $56.57M
2 of 4reports beat the EPS estimate
±4.2%average move across the report
1 of 2reports followed by a gain
Share-price move across each report
Last earnings call, Feb 18, 2026 AI summary
- What they said
- Neptune Insurance (NP), an AI-native MGA specializing in flood insurance, reported 2025 revenue per employee of $2.7M (up 15% YoY) and adjusted EBITDA per employee of $1.6M (up 14%). The company grew capacity partners from 23 to 40 (74% increase), now supporting 8 programs, with average commission rates rising 35 basis points YoY. Management emphasized proprietary flood data as a competitive moat and positions AI-driven distribution shifts as a margin expansion opportunity given agent commissions are their largest expense.
- Guidance
- Management indicated adjusted EBITDA margins could expand significantly beyond the current ~60% level if AI-driven digital distribution replaces agent-led channels. No specific revenue or earnings targets were provided in this excerpt.
| Reported | EPS | Revenue | Move |
|---|---|---|---|
| Feb 18, 2026 | $0.10 est $0.10 | $43.77M est $39.42M | +5.4% |
| Nov 12, 2025 | $0.11 est $0.11 | $44.37M est $42.53M | −3.0% |
| Sep 3, 2025 | $0.10 est $0.00 | — | — |
| May 4, 2022 | $0.63 est $0.38 | $284.8M est $241.1M | — |
“Move” is the close of the first session after the report compared with the close of the last session before it, so it reads the same whether the company reported before the open or after the close.
Neptune Insurance stock forecast and analyst price targets
Analysts’ average 12-month price target for Neptune Insurance is $34.31, +18.3% from the last close, from 11 firms rating the stock in the last 90 days.
$34.31consensus 12-month target, +18.3% from the last close
Now $29.00Avg $34.31
Low $31High $39
Each firm’s latest rating in the last 90 days: 11 firms.
Latest analyst actions
| Date | Firm | Target | vs price |
|---|---|---|---|
| Oct 12 | Wells Fargo | $34 | +17.2% |
| Oct 12 | Bank of America Securities | $32 | +10.3% |
| Oct 7 | Mizuho Securities | $31 | +6.9% |
| Sep 30 | Goldman Sachs | $35 | +20.7% |
| Aug 19 | Morgan Stanley | $36 | +24.1% |
+5.2%average 20-day move after past Accumulation readings
±3.6%typical daily move, from the 14-day average range
Gekko doesn’t publish price predictions. These are analyst targets and historical base rates, which don’t guarantee future results.
Neptune Insurance market cap and key statistics
Neptune Insurance’s market cap is $2.72B, with a P/E ratio of 123.7 and revenue of $181.8M over the last twelve months.
Valuation
- Market cap
- $2.72B
- P/E ratio
- 123.7
- Forward P/E
- 41.3
- EPS, TTM
- $0.23
- Gekko Fair Value
- $32.22
Trading
- Volume
- 363,541
- Avg volume, 20 days
- 585,917
- 52-week high
- $35.15
- 52-week low
- $14.78
- Shares outstanding
- 93.80M
Financials
- Revenue, TTM
- $181.8M
- Profit margin
- 21.4%
- Return on equity
- 0%
- Quarterly earnings growth, YoY
- +3.1%
Risk and income
- Typical daily move
- ±3.6%
- Typical 20-day move
- ±9.5%
Neptune Insurance stock news this week
Coverage of Neptune Insurance this week reads negative: 0 positive, 2 neutral and 3 negative headlines.
- Neptune Insurance (NYSE:NP) Stock: Insider Matthew Paul Duffy Sells 84,441 SharesDefense World, Oct 11
- Neptune Insurance Holdings president Matthew Duffy sells $1.12m stock By Investing.comInvesting.com Nigeria, Oct 11
- Matthew Paul Duffy's planned sales total 53,639 and 30,802 shares at Neptune Insurance (NP).Stock Titan, Oct 9
- Neptune Insurance Holdings to Announce Third Quarter 2026 Financial Resultswww.marketscreener.com, Oct 9
- Under a trading plan, Neptune Insurance (NP) president sells 41,392 shares.Stock Titan, Oct 8
- Under a trading plan, Neptune Insurance (NP) president sells 38,537 shares and another 1,200.Stock Titan, Oct 5
Neptune Insurance peers
Neptune Insurance’s 6 largest industry peers by market value, with today’s move, GekkoIndex zone and gap to Gekko Fair Value.
| Stock | GekkoIndex zone | vs Fair Value |
|---|---|---|
| MRSHMarsh | Neutral | 7.5% below |
| AJGArthur J. Gallagher | Accumulation | 10.7% below |
| AONAon | Accumulation | 19.0% below |
| WTWWillis Towers Watson | Accumulation | 12.9% below |
| BROBrown & Brown | Accumulation | 9.7% below |
| RYANRyan Specialty | Accumulation | 16.2% below |
A peer links to its own page where one exists.
Neptune Insurance stock FAQ
What is Neptune Insurance’s market cap?
Neptune Insurance’s market cap is $2.72B at the Oct 12, 2026 close of $29.00, with 93.80M shares outstanding. The shares trade on a P/E ratio of 123.7.
What is the Neptune Insurance stock forecast?
The consensus analyst 12-month price target for Neptune Insurance is $34.31, +18.3% from the last close. Of the 11 firms that rated the stock in the last 90 days, 6 rate it a buy, 5 a hold and 0 a sell. Gekko doesn’t publish price predictions of its own.
Is Neptune Insurance stock overvalued or undervalued?
On Gekko’s estimate Neptune Insurance is undervalued: the Oct 12, 2026 close of $29.00 is 10.0% below Gekko Fair Value of $32.22. Gekko Fair Value is recalculated every trading day, and a gap inside 5% either way counts as about fair value.
When does Neptune Insurance report earnings next?
Neptune Insurance is expected to report on Nov 11, 2026 (30 days away). Analysts expect earnings of $0.16 per share on revenue of $56.57M. Neptune Insurance beat the earnings estimate in 2 of its last 4 reports, moving 4.2% on average across the report.
What is Neptune Insurance’s 52-week high and low?
Neptune Insurance’s 52-week high is $35.15 and its 52-week low is $14.78; it closed at $29.00 on Oct 12, 2026, +5.7% over the past year.
Is Neptune Insurance stock a buy right now?
Gekko describes the data; it does not make buy or sell recommendations. On the swing-trade checklist, 3 of the 4 items with data read as supportive (gekkoindex, fair value and earnings risk), 1 as mixed (trend). The checklist is a description of current data, not a recommendation.
How this page works
During US trading hours the price at the top of the page is a delayed quote, refreshed every 15 minutes; everything else is rebuilt after each US market close. The GekkoIndex, Gekko Fair Value and the checklist are Gekko’s own, and the Gekko Brief is written by AI from this page’s data and checked against it before it is published. How Gekko’s data works →
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