Neptune Insurance Holdings Inc (NP)
NYSEFinancialsInsurance - BrokersSnapshot 2026-11-05
$27.93-2.17%
Close 2026-11-05 · 1-day change
NYSEFinancialsInsurance - BrokersSnapshot 2026-11-05
QuarterlyIQ Insights · NP
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance is holding in the top half of its industry — the reason to own it looks intact.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | 42.2% |
| Our one-year growth estimate | diamond | 21.2% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
No outside relationship met the current evidence threshold.
Based on historical daily prices through 2026-11-05.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 21.0 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-05 · Compared with 12 industry peers · Company calendar date is not available
NP — CFO transition
Dated 2026-10-20
CFO — Jim Steiner: The CFO is resigning from the executive role but remaining as COO and a Director, with a named successor appointed, indicating an orderly internal transition rather than a loss of key personnel.
Why it matters: The CFO is leaving that role but staying as COO and a director. The named successor's start and first results can test how smooth the handoff is.
Watch forA company filing confirms the successor has taken the CFO role, and the next results arrive on time.
Also watch forA filing reports a delayed handoff, another CFO change, or a delayed earnings release.
Why it matters: Neptune tracks renewal rates for signs of price sensitivity and steady revenue. The supplied results give no retention figures.
Watch forThe next results report policy, premium, and revenue retention rates. Each rate is steady or higher than its prior reading.
Also watch forThe next results report a lower policy, premium, or revenue retention rate than its prior reading.
Why it matters: The board approved a plan in April, but the supplied later results show no repurchase amount. Filings can confirm whether it is in use.
Supportive ifA filing or earnings report states that Neptune repurchased Class A shares under the plan.
Worry ifThe next earnings report still gives no shares or dollars repurchased under the plan.
Why it matters: Revenue growth rose from 29% in Q1 to 34% in Q3. Another strong quarter would support Neptune's growth track.
Supportive ifQ4 revenue grows more than 30% year over year, after Q3 growth of 34%.
Worry ifQ4 revenue growth falls below 29%, the Q1 2026 rate.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
A larger daily loss that occurred about once in every 20 trading days.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$122 on $10,000 · ±1.2% | How much price usually moves either way. |
| Bad day | $469 loss on $10,000 · 4.7% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $4,378 loss on $10,000 · 43.8% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.