NP - NYSE

Neptune Insurance Holdings Inc.

Neptune Insurance Holdings Inc.

NPยทNYSE

$24.31

-7.4%
TechnologySoftware - Application

A data-driven managing general agent for flood insurance. Sells residential and commercial flood insurance (primary & excess), and parametric earthquake insurance. Uses AI and machine learning platforms (e.g. underwriting engine "Triton", policy management "Poseidon"), distributes via agency network, and does not take balance sheet risk or handle claims themselves; rather, insurance and reinsurance carriers do.

StatementsValue Model

At a Glance

Live Snapshot
Market Cap$2.31B
EPS-0.2000
P/E Ratio-121.55
Earnings Date06/03/2026
Neptune Insurance Holdings Inc.

Neptune Insurance Holdings Inc. Fair Value Envelope

NP ยท NYSE

Our analysis suggests that NP has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $24.31, this represents a potential HIDDEN relative to our calculated worth for Neptune Insurance Holdings Inc..

HIDDEN
Intrinsic Value
Current Price: $24.31

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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$
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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$948.7M
+ Cash & Equivalents$8.0M
Firm Value$956.7M
- Debt$240.0M
Equity Value$716.7M
/ Shares Outstanding94,600,000B
DCF Value$8
OVERVALUED BY 69%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$53.3M
$55.0M
$56.8M
$58.6M
$60.5M
$62.4M
$64.4M
$66.5M
$68.6M
$70.8M
Maintenance CapEx
-$820.9K
-$847.2K
-$874.3K
-$902.3K
-$931.2K
-$961.0K
-$991.8K
-$1.0M
-$1.1M
-$1.1M
Owner Earnings
$52.5M
$54.2M
$55.9M
$57.7M
$59.6M
$61.5M
$63.4M
$65.5M
$67.6M
$69.7M
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$48.6M
$46.5M
$44.4M
$42.4M
$40.5M
$38.7M
$37.0M
$35.4M
$33.8M
$32.3M
Terminal Value represents 57.9% of Enterprise Value

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