Neptune Insurance Holdings Inc. (NP) Price Target Analysis
Updated Jun 26, 2026
Analyst Rating: Buy
Based on 12 analysts8.7% Above Target
NP trades 8.7% above Wall Street's consensus target of $27.36.
Current Price$29.97
Average Target$27.36
Target
Current
Low$20.00
Median$29.00
High$32.50
Analyst Target Range
Forward P/E56.3x
(High Premium)
PEG Ratio—
Implied Growth+122.9%
(High Growth)
Analyst Spread45.7%
(Moderate)
Price Forecast (1 Year)
Last 12 months price action with 12-month analyst target path
Consensus Scenario Assumptions
The base valuation assumes NP achieves its forward estimates and maintains a stable P/E multiple of 56.3x. This scenario reflects the blended consensus of 12 Wall Street analysts, balancing both positive catalysts and macroeconomic headwinds over the next 12 months.
NP Price Target Analysis
Updated June 28, 2026As of June 28, 2026, Neptune Insurance Holdings Inc. (NP) has a Wall Street consensus price target of $27.36, based on estimates from 12 covering analysts. With the stock currently trading at $29.97, this represents a potential downside of -8.7%. The company has a market capitalization of $2.84B.
Analyst price targets range from a low of $20.00 to a high of $32.50, representing a 46% spread in expectations. The median target of $29.00 differs from the mean, suggesting potential outlier estimates.
The current analyst consensus rating is Buy, with 7 analysts rating the stock as a Buy or Strong Buy,5 rating it Hold, and 0 rating it Sell or Strong Sell. The positive sentiment balance indicates moderate optimism about the stock prospects.
From a valuation perspective, NP trades at a trailing P/E of -149.8x and forward P/E of 56.3x. Analysts expect EPS to grow +122.9% over the next year.
Our proprietary valuation model, which blends historical multiples with forward estimates, suggests a base-case price target of $9.06, with bear and bull scenarios of $5.71 and $11.94 respectively. Model confidence stands at 51/100, reflecting moderate uncertainty in projections.
Investment Context: Price targets represent analyst expectations for the next 12 months and should be considered alongside your own research. Targets are based on analysts' assumptions about earnings growth, margins, and market conditions which may change. For sector-specific context, view other Technology stocks.
Analyst Sentiment Comparison
Industry Peer AnalysisAvg Peer Upside
+2.0%
Industry Consensus
Avg Forward P/E
11.4x
(Value)
Peers with Coverage
9 / 10
Active Analyst Tracking
| Company | Market Cap | Price | Target | Upside Potential | Rating | Fwd P/E | Analysts |
|---|---|---|---|---|---|---|---|
 HCIHCI Group, Inc. | $2.3B | $180.46 | $126.50 | -29.9% | Buy | 10.4x | 14 |
 UPCUniverse Pharmaceuticals Inc. | $2M | $2.96 | — | — | — | — | — |
 HRTGHeritage Insurance Holdings, Inc. | $785M | $25.86 | $36.00 | +39.2% | Buy | 6.0x | 9 |
 ALLThe Allstate Corporation | $61.7B | $239.61 | $250.00 | +4.3% | Hold | 7.9x | 44 |
 TRVThe Travelers Companies, Inc. | $69.6B | $327.37 | $310.40 | -5.2% | Hold | 11.7x | 43 |
 CBChubb Limited | $132.4B | $341.44 | $346.75 | +1.6% | Buy | 12.6x | 43 |
 PGRThe Progressive Corporation | $131.1B | $224.34 | $228.42 | +1.8% | Hold | 13.1x | 41 |
 CINFCincinnati Financial Corporation | $28.7B | $184.08 | $182.50 | -0.9% | Buy | 21.2x | 17 |
 AFGAmerican Financial Group, Inc. | $11.6B | $139.18 | $152.50 | +9.6% | Hold | 11.9x | 17 |
 RNRRenaissanceRe Holdings Ltd. | $13.8B | $319.59 | $310.75 | -2.8% | Hold | 7.8x | 28 |
NP — Frequently Asked Questions
Quick answers to the most common questions about buying NP stock.
What is the NP stock price target for 2026?
Wall Street's consensus price target for NP is $27.36, -8.7% from its current price of $29.97. The below-market target from 12 analysts suggests limited near-term appreciation.
Is NP a buy, sell, or hold?
NP has a consensus rating of "Buy" based on 12 Wall Street analysts. The rating breakdown is predominantly bullish, with 7 Buy/Strong Buy ratings. The consensus 12-month price target of $27.36 implies -8.7% downside from current levels.
Is NP stock overvalued or undervalued?
At a forward P/E of 56.2923x, NP trades at a premium valuation. The consensus price target of $27.36 (-8.7% downside) suggests analysts may view current valuations as stretched.
How high can NP stock go?
The most bullish Wall Street analyst has a price target of $32.5 for NP, while the most conservative target is $20. The consensus of $27.36 represents the median expectation. Our quantitative valuation model projects a bull case target of $12 based on optimistic growth and margin assumptions. These targets typically reflect 12-month expectations.
How many analysts cover NP stock?
NP is moderately covered, with 12 analysts providing price targets and ratings. Of these, 0 have Strong Buy ratings, 7 have Buy ratings, 5 recommend Hold, and 0 have Sell or Strong Sell ratings. Higher analyst coverage generally indicates greater institutional interest and more reliable consensus estimates.
What is the NP stock forecast?
The 12-month NP stock forecast based on 12 Wall Street analysts shows a consensus price target of $27.36, with estimates ranging from $20 (bear case) to $32.5 (bull case). The median consensus rating is "Buy". Our proprietary valuation model produces a base case fair value of $9, with bear/bull scenarios of $6/$12.
What is NP's fair value based on fundamentals?
Our quantitative valuation model calculates NP's fair value at $9 (base case), with a bear case of $6 and bull case of $12. The model uses discounted cash flow analysis, historical growth rates, and margin mean-reversion to project FY+2 earnings, then applies an appropriate P/E multiple. The model confidence score is 51/100.
What is NP's forward P/E ratio?
NP trades at a forward P/E ratio of 56.3x based on next-twelve-months earnings estimates. The higher forward P/E suggests near-term earnings pressure. A forward P/E is useful for comparing valuations when earnings are expected to change significantly.
Should I buy NP stock?
Analysts are cautious on NP, with 0 Sell ratings and a price target of $27.36 (-8.7% from current price). The "Buy" consensus suggests careful evaluation before buying. This information is for educational purposes only. Always conduct your own research, consider your financial situation, and consult a financial advisor before making investment decisions.
Why do NP price targets vary so much?
NP analyst price targets range from $20 to $32.5, a 46% moderate spread showing some variance in outlooks. Differences stem from varying assumptions about revenue growth, profit margins, competitive dynamics, and valuation multiples. The $27.36 consensus represents the middle ground. Our model's $6-$12 range provides an independent fundamental perspective.
Consensus-Based Analysis Tools
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Peer Comparison
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