Neptune Insurance Holdings Inc. Fundamental Analysis (NYSE: NP)
Neptune Insurance Holdings Inc. Fundamental Analysis (NYSE: NP)
Neptune Insurance Holdings Inc. (NYSE: NP) shows moderate financial fundamentals with a PE ratio of 86.31, profit margin of 22.71%, and ROE of -20.46%. The company generates $0.1B in annual revenue with strong year-over-year growth of 33.74%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 45.6/100 based on profitability, valuation, growth, and balance sheet metrics. The D grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze NP's fundamental strength across five key dimensions:
Efficiency Score
ExcellentNP demonstrates superior asset utilization.
Valuation Score
ModerateNP shows balanced valuation metrics.
Growth Score
ModerateNP shows steady but slowing expansion.
Financial Health Score
ModerateNP shows balanced financial health with some risks.
Profitability Score
ModerateNP maintains healthy but balanced margins.
Key Financial Metrics
Is NP Expensive or Cheap?
P/E Ratio
NP trades at 86.31 times earnings. This suggests a premium valuation.
PEG Ratio
When adjusting for growth, NP's PEG of -1.12 indicates potential undervaluation.
Price to Book
The market values Neptune Insurance Holdings Inc. at -18.16 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 29.16 times EBITDA. This signals the market has high growth expectations.
How Well Does NP Make Money?
Net Profit Margin
For every $100 in sales, Neptune Insurance Holdings Inc. keeps $22.71 as profit after all expenses.
Operating Margin
Core operations generate 41.45 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $-20.46 in profit for every $100 of shareholder equity.
ROA
Neptune Insurance Holdings Inc. generates $43.05 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Neptune Insurance Holdings Inc. generates strong operating cash flow of $57.21M, reflecting robust business health.
Free Cash Flow
Neptune Insurance Holdings Inc. generates strong free cash flow of $54.26M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $0.57 in free cash annually.
FCF Yield
NP converts 2.95% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
86.31
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
-1.12
vs 25 benchmark
P/B Ratio
Price to book value ratio
-18.16
vs 25 benchmark
P/S Ratio
Price to sales ratio
13.47
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
-1.02
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
-0.20
vs 25 benchmark
ROA
Return on assets percentage
0.43
vs 25 benchmark
ROCE
Return on capital employed
0.79
vs 25 benchmark
How NP Stacks Against Its Sector Peers
| Metric | NP Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 86.31 | 20.26 | Worse (Expensive) |
| ROE | -20.46% | 626.00% | Weak |
| Net Margin | 22.71% | -369.00% (disorted) | Strong |
| Debt/Equity | -1.02 | 0.82 | Strong (Low Leverage) |
| Current Ratio | 0.00 | 801.28 | Weak Liquidity |
| ROA | 43.05% | -37.00% (disorted) | Strong |
NP outperforms its industry in 3 out of 6 key metrics, particularly excelling in Net Margin, but lagging in P/E Ratio.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Neptune Insurance Holdings Inc.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
-87.27%
Industry Style: Value, Dividend, Cyclical
DecliningEPS CAGR
-85.84%
Industry Style: Value, Dividend, Cyclical
DecliningFCF CAGR
-81.24%
Industry Style: Value, Dividend, Cyclical
Declining