2 years of historical data (2023–2024) · Technology · Software - Application
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Neptune Insurance Holdings Inc. trades at 13.2x earnings, sitting at the 50th percentile of its historical range. Compared to the Technology sector median P/E of 25.2x, the stock trades at a discount of 48%. On a free-cash-flow basis, the stock trades at 19.6x P/FCF.
| Metric | TTM | FY 2024 | FY 2023 |
|---|---|---|---|
| Market Cap | $904M | — | — |
| Enterprise Value | $1.0B | — | — |
| P/E Ratio → | 13.18 | — | — |
| P/S Ratio | 7.58 | — | — |
| P/B Ratio | — | — | — |
| P/FCF | 19.57 | — | — |
| P/OCF | 18.11 | — | — |
P/E links to full P/E history page with 30-year chart
Enterprise-value multiples — capital-structure-neutral measures of total business value
Neptune Insurance Holdings Inc.'s enterprise value stands at 14.4x EBITDA. The Technology sector median is 15.7x, placing the stock at a 8% discount on an enterprise-value basis.
| Metric | TTM | FY 2024 | FY 2023 |
|---|---|---|---|
| EV / Revenue | — | — | — |
| EV / EBITDA | 14.42 | — | — |
| EV / EBIT | 15.06 | — | — |
| EV / FCF | — | — | — |
Margins and return-on-capital ratios measuring operating efficiency
Neptune Insurance Holdings Inc. earns an operating margin of 57.4%. Operating margins have expanded from 53.5% to 57.4% over the past 3 years, signaling improving operational efficiency.
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2024 | FY 2023 |
|---|---|---|---|
| Gross Margin | 66.4% | 66.4% | 64.2% |
| Operating Margin | 57.4% | 57.4% | 53.5% |
| Net Profit Margin | 29.0% | 29.0% | 21.1% |
| Metric | TTM | FY 2024 | FY 2023 |
|---|---|---|---|
| ROE | — | — | — |
| ROA | 77.0% | 77.0% | 42.9% |
| ROIC | — | — | — |
| ROCE | 1127.1% | 1127.1% | 361.7% |
Solvency and debt-coverage ratios — lower is generally safer
Neptune Insurance Holdings Inc. carries a Debt/EBITDA ratio of 1.9x, which is manageable (37% below the sector average of 3.0x). Net debt stands at $127M ($134M total debt minus $7M cash). Interest coverage of 3.9x is adequate, though a cyclical earnings downturn could tighten the margin of safety.
| Metric | TTM | FY 2024 | FY 2023 |
|---|---|---|---|
| Debt / Equity | — | — | — |
| Debt / EBITDA | 1.87 | 1.87 | 3.67 |
| Net Debt / Equity | — | — | — |
| Net Debt / EBITDA | 1.77 | 1.77 | 3.50 |
| Debt / FCF | — | 2.74 | 11.41 |
| Interest Coverage | 3.91 | 3.91 | 2.13 |
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.73x is below 1.0, meaning current liabilities exceed current assets. The current ratio has declined from 1.03x to 0.73x over the past 3 years.
| Metric | TTM | FY 2024 | FY 2023 |
|---|---|---|---|
| Current Ratio | 0.73 | 0.73 | 1.03 |
| Quick Ratio | 0.73 | 0.73 | 1.03 |
| Cash Ratio | 0.15 | 0.15 | 0.28 |
| Asset Turnover | — | 2.48 | 2.04 |
| Inventory Turnover | — | — | — |
| Days Sales Outstanding | — | 20.52 | 20.97 |
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Neptune Insurance Holdings Inc. does not currently pay a dividend and has no material buyback yield, reinvesting earnings back into the business. The earnings yield of 7.6% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2024 | FY 2023 |
|---|---|---|---|
| Dividend Yield | — | — | — |
| Payout Ratio | — | — | 1895.5% |
| Metric | TTM | FY 2024 | FY 2023 |
|---|---|---|---|
| Earnings Yield | 7.6% | — | — |
| FCF Yield | 5.1% | — | — |
| Buyback Yield | 0.0% | — | — |
| Total Shareholder Yield | 0.0% | — | — |
| Shares Outstanding | — | $9M | $9M |
Compare NP with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
| NPYou | $904M | 13.2 | 14.4 | 19.6 | 66.4% | 57.4% | — | — | 1.9 |
| INTU | $114B | 29.9 | 20.6 | 18.8 | 80.8% | 26.1% | 20.3% | 16.5% | 1.2 |
| FICO | $33B | 53.1 | 38.8 | 43.5 | 82.2% | 46.5% | — | 59.7% | 3.3 |
| SSNC | $18B | 23.9 | 12.6 | 11.0 | 48.2% | 22.9% | 11.8% | 10.8% | 0.2 |
| GWRE | $12B | 179.4 | 189.7 | 41.6 | 62.5% | 3.4% | 5.0% | 2.3% | 11.0 |
| FRGE | $8B | -8.3 | — | — | -43.3% | -103.7% | -26.8% | -45.6% | — |
| QTWO | $3B | 60.1 | 74.9 | 15.5 | 54.1% | 5.0% | 8.8% | 4.5% | 8.7 |
| SPNS | $2B | 33.7 | 22.1 | 33.6 | 45.0% | 16.8% | 15.5% | 17.4% | 0.6 |
| BL | $2B | 24.3 | 32.6 | 11.7 | 75.2% | 2.8% | 41.6% | 1.4% | 13.3 |
| NCNO | $2B | -48.9 | 111.3 | 35.8 | 60.1% | -3.4% | -3.5% | -1.2% | 13.0 |
| ALKT | $2B | -36.0 | — | 42.4 | 57.8% | -12.1% | -13.3% | -8.6% | — |
| Technology Median | — | 25.2 | 15.7 | 17.3 | 49.8% | -0.9% | 1.1% | 2.9% | 3.0 |
Peers based on L4 peer group classification. Compare multiple stocks →
Includes 30+ ratios · 2 years · Updated daily
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Start ComparisonNeptune Insurance Holdings Inc.'s current P/E ratio is 13.2x. This places it at the 50th percentile of its historical range.
Neptune Insurance Holdings Inc.'s current EV/EBITDA is 14.4x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA.
Based on historical data, Neptune Insurance Holdings Inc. is trading at a P/E of 13.2x. This is at the 50th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
Neptune Insurance Holdings Inc. has 66.4% gross margin and 57.4% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
Neptune Insurance Holdings Inc.'s Debt/EBITDA ratio is 1.9x, indicating moderate leverage. A ratio below 2x is generally considered financially healthy.