Financial Results Announcement: Neptune Insurance Holdings Inc. will report its third-quarter financial results for 2025 on November 12, 2025, after market close.
Conference Call Details: A conference call and webcast to discuss the financial results will take place at 5:00 PM ET on the same day, with dial-in options provided for participants.
Company Overview: Neptune Insurance Holdings, founded in 2018, is a data-driven managing general agent specializing in residential and commercial flood insurance, utilizing AI and data science for efficient operations.
Innovative Underwriting Approach: The company operates without human underwriters, streamlining underwriting, pricing, and policy issuance through its advanced technology platform.
Wall Street analysts forecast NP stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for NP is 28.11 USD with a low forecast of 22.50 USD and a high forecast of 35.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
12 Analyst Rating
Wall Street analysts forecast NP stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for NP is 28.11 USD with a low forecast of 22.50 USD and a high forecast of 35.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
6 Buy
4 Hold
2 Sell
Moderate Buy
Current: 26.760
Low
22.50
Averages
28.11
High
35.00
Current: 26.760
Low
22.50
Averages
28.11
High
35.00
Goldman Sachs
Buy
maintain
$30
Al Analysis
2026-01-07
Reason
Goldman Sachs
Price Target
$30
Al Analysis
2026-01-07
maintain
Buy
Reason
Goldman Sachs raised the firm's price target on Neptune Insurance to $32.50 from $30 and keeps a Buy rating on the shares. In a sector note on Americas Insurance, the firm said it expects "strong and fairly resilient" insurer profitability for the next few years, but added that it believes we are "solidly in the softening phase" of the P&C insurance cycle, which leads to "increased capital supply and competition, which should drive a deceleration in growth/pricing/margins, that we think are broadly underappreciated within Street estimates."
Morgan Stanley
Bob Huang
Equal Weight
maintain
$26 -> $27
2025-11-17
Reason
Morgan Stanley
Bob Huang
Price Target
$26 -> $27
2025-11-17
maintain
Equal Weight
Reason
Morgan Stanley analyst Bob Huang raised the firm's price target on Neptune Insurance to $27 from $26 and keeps an Equal Weight rating on the shares. The firm updated models in the insurance space post the Q3 reports. For property and casualty, Morgan Stanley sees a softening cycle heading into 2026, the analyst tells investors.
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Mizuho
Underperform
maintain
$23 -> $26
2025-11-13
Reason
Mizuho
Price Target
$23 -> $26
2025-11-13
maintain
Underperform
Reason
Mizuho raised the firm's price target on Neptune Insurance to $26 from $23 and keeps an Underperform rating on the shares following the Q3 report. The firm cites the company's better 2026 outlook for the target bump.
BofA
Underperform
maintain
$21
2025-11-13
Reason
BofA
Price Target
$21
2025-11-13
maintain
Underperform
Reason
BofA raised the firm's price target on Neptune Insurance to $22.50 from $21 and keeps an Underperform rating on the shares after the company reported "healthy" margin and growth in its post-IPO Q3 report. While stating that growth and margins at Neptune "continue to be top tier," the firm believes this is already largely contemplated in the share price.
About NP
Neptune Insurance Holdings Inc. is a data-driven managing general agent. The Company offers a range of easy-to-purchase residential and commercial insurance products including primary flood insurance, excess flood insurance, and parametric earthquake insurance distributed through a network of agencies.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.