Neptune Insurance Holdings (NP) Q3 2026 earnings — TrendMatrix coverage
Reported
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. How we score · Full disclosure · Editorial policy
Key numbers
- Adjusted EPS
- $0.17
- Estimate
- $0.16
- Surprise
- +7.2%
- Revenue (period 2026-09-30)
- $59.6M
- Score at report (before → after)
- 5.9 → 6.1/10
Revenue source: xbrl.
How the report landed
Neptune Insurance Holdings (NP) beat the $0.16 estimate with adjusted EPS of $0.17 — a clear 7.2% upside surprise. TrendMatrix's engine moved from Buy (Wait) (5.9/10) to Hold at 6.1/10 after the report.
Where TrendMatrix's rating stands now
TrendMatrix currently rates NP Hold at 6.2/10.
1 of the last 4 quarters beat the estimate; this quarter's +7.2% surprise compares with a +1.6% four-quarter average. Next scheduled report: 2027-02-17.
What supports the rating
- V7 flight-to-quality bonus: +0.5 (Q=8.2 in RISK_OFF)
- Sector modifier (Financial Services): +1.0
What argues against it
- Concentration risk — Counterparty: insurance agent and broker partners
- Analyst target reached - limited upside remaining
- Expensive valuation
This section and the ones below it reflect TrendMatrix’s latest engine read — they update after the report date and are not frozen to it.
The levels TrendMatrix's engine tracks
- Current price
- $29.48
- Entry target
- $27.07
- Price target
- $29.81
- Stop
- $25.71
- Upside to target
- +1.1%
- Reward-to-risk
- 0.1:1
The stock trades at 95.1× trailing but 43.7× forward earnings — consensus estimates already build in a substantial earnings recovery.
Model outputs from TrendMatrix’s engine as of 2026-10-29 — shown for context, not personalized investment advice.
NP at TrendMatrix's latest read
For financials, the EPS print is only half the story: credit costs, reserve builds, and rate sensitivity decide how a quarter actually lands.
- Industry
- Insurance Brokers
- Market cap
- $4.07B
- P/E (fwd)
- 43.7
- P/E (ttm)
- 95.1
- 52-week range
- $14.78–$35.15
- Off 52-week high
- 16.1%
- RSI (14)
- 59
- Volume vs avg
- 1.04×
- Score today
- 6.2/10