NP — Stock Film
STOCK FILMSCENE 1/11NP · $32.56
Stock Expert AI presents
NP
Neptune Insurance Holdings Inc
~4 min film100% real numbers0 jargon
WHAT DOES THIS COMPANY DO?
Neptune Insurance Holdings Inc. A quick introduction.

On the stock market since 2025, it operates in the world of money and finance. It has 62 employees. Now — the numbers.

on the stock market since 2025
62 employees
$2.9B market value
Revenue last year:
$0
The net profit left over:
$0
Out of every $100 in sales, $23 stays as net profit.
THE SLICE THAT TURNS INTO PROFIT: 23%

This is an established company with proven profits.

WHERE DOES THE MONEY COME FROM?
76%Commission Income
Commission Income 76%Fee Income 24%
76% of all revenue comes from a single line: Commission Income.

That much dependence is a risk in itself: if this one line weakens, the whole company feels it directly.

Every quarter, analysts set a profit bar.
How many of the last 7 did the company clear?
3 / 7
EXPECTATIONS MET OR BEATEN
3
Nov 2021
Feb 2022
May 2022
Nov 2025
Feb 2026
Apr 2026
Jul 2026
3 TIMES IN THE LAST 7 QUARTERS
It misses the bar more often than not.
What executives did with their own stock over the last 12 months:
26 buy19 sell

Executives buying with their own money is usually read as confidence in the company’s future.

INSIDE THE REPORT CARD

We compared this company with its own sector across five subjects.

A score of 50 means class average.

BUSINESS QUALITY
91
very strong

Profit power and business quality lead the class.

FINANCIAL STRENGTH
98
very strong

For a bank, strength is measured by capital buffers and reserves — not cash minus debt.

VALUATION
13
very weak

Clearly below the class average.

GROWTH
10
very weak

Clearly below the class average.

PRICE MOMENTUM
96
very strong

The stock has been running stronger than the market lately.

WORTH WATCHING

Growth: Sales growth trails the sector average.

Valuation: The stock trades at a price that looks expensive next to its earnings; that can cap future returns.

THE FIVE-YEAR JOURNEY
Bumpy, but the direction is up.

The stock trades near its peak today. For long-term holders the ride has paid off so far — though past performance guarantees nothing about the future.

1
THE BRIGHT SIDE · 1/3
A fat profit margin

The net profit margin is 23% — the profit kept from each dollar of revenue is the company’s cushion in hard quarters.

2
THE BRIGHT SIDE · 2/3
Executives are buying their own stock

Over the last 12 months, company executives reported 26 buys and 19 sells. Management buying with its own money is usually read as a good sign.

3
THE BRIGHT SIDE · 3/3
Pays a steady dividend

It pays out $1.90 per share each year — regular cash for whoever holds the stock.

1
THE RISKS · 1/3
A rich price tag

The company’s market value is 79 times its annual profit. Even a small disappointment could hit the price hard.

2
THE RISKS · 2/3
Growth trails the sector

The growth engine is running at low revs right now. Report-card grade: 10/100.

3
THE RISKS · 3/3
The price runs ahead of the earnings

Today’s price already includes part of tomorrow’s optimism. Report-card grade: 13/100.

FINALE · THE GRADE
B
0 / 100 · MoonshotScore

On our five-subject report card, NP sits near the top of the class. A high grade doesn’t mean “guaranteed win” — it means “the evidence looks strong for now.”

The takeaway: NP is an established business that has proven its profits for years. The real debate isn’t the quality of the business — it’s whether the price paid for the stock is too high.

The total grade weighs these five subjects against the sector — it isn’t a simple average of the five.

What would you like to do next?
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This was a film — not investment advice.
Data: FMP & company filings
Aug 21, 2026 · stockexpertai.com · Stock Film