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Neptune Insurance Holdings Inc. (NP) Total Return Calculator with Dividends Reinvested

Neptune Insurance Holdings Inc.

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The total return for Neptune Insurance Holdings Inc. (NP) stock is +22.86% over the past 12 months. So far it's up 9.64% this year. The 5-year total return is +32.40%, meaning $10,000 invested in NP stock 5 years ago would be worth $13,240 today. Total return includes price appreciation plus reinvesting any dividends paid out.

If you invested $10,000 in NP 1 year ago, it would be worth $12,286 today — you'd have gained $2,286.

With Dividends Reinvested$12,286+22.86%

Price Only (No DRIP)$12,286+22.86%

Period2025-10-01 → 2026-05-07

Price

Total Return (DRIP)

S&P 500

If You Invested $10,000 in NP

1Y$12,286+$2,286 (+22.9%)22.9% CAGR

3Y$12,286+$2,286 (+22.9%)7.1% CAGR

5Y$13,240+$3,240 (+32.4%)5.8% CAGR

10Y$16,893+$6,893 (+68.9%)5.4% CAGR

15Y$18,530+$8,530 (+85.3%)4.2% CAGR

20Y$19,341+$9,341 (+93.4%)3.4% CAGR

30Y$19,542+$9,542 (+95.4%)2.3% CAGR

Neptune Insurance Holdings Inc. did not pay dividends during this period. Total return = price return.

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As of 2026-05-08

Returns at a Glance

Period	Total Return	CAGR	Price Only	Div. Contrib.	$10K →
YTD	+9.64%	—	+9.64%	—	$10,964
1Y	+22.86%	22.86%	+22.86%	—	$12,286
3Y	+22.86%	7.10%	+22.86%	—	$12,286
5Y	+32.40%	5.77%	+22.86%	+9.54 pp	$13,240
10Y	+68.93%	5.38%	+22.86%	+46.07 pp	$16,893
15Y	+85.30%	4.20%	+22.86%	+62.44 pp	$18,530
20Y	+93.41%	3.35%	+22.86%	+70.54 pp	$19,341
30Y	+95.42%	2.26%	+22.86%	+72.56 pp	$19,542

Risk & Highlights

Best Year+17.58%2025

Max Drawdown-43.78%2025-12-24 → 2026-02-12

Annual Returns

Year	Total Return	Price Return	Div.	S&P 500	vs S&P
2026YTD	-25.08%	-25.08%	—	+0.41%	-25.5pp
2025	+17.58%	+17.58%	—	+16.64%	+0.9pp

NP underperformed the S&P 500 by 7.51pp over the past year (+22.86% vs +30.37%).

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NP Peers' Total Return

Accurate peer set · 10 comparable names

Name	Mkt Cap	30D Rtn	YTD Total Rtn	1Y Total Rtn	Div Contrib	3Y Total Rtn	5Y Total Rtn	10Y Total Rtn
NPNeptune Insurance Holdings Inc.	$2.9B	+20.1%	+9.6%	+22.9%	—	+22.9%	+32.4%	+68.9%
HCIHCI Group, Inc.	$2.0B	-1.1%	-16.7%	+2.4%	+1.1pp	+209.6%	+105.3%	+436.8%
UPCUniverse Pharmaceuticals Inc.	$2M	+4.2%	-27.9%	-41.1%	—	-99.9%	-100.0%	-100.0%
HRTGHeritage Insurance Holdings, Inc.	$861M	+5.5%	+2.7%	+15.3%	—	+585.3%	+201.4%	+119.4%
ALLThe Allstate Corporation	$55.0B	+1.5%	+5.4%	+6.7%	+2.0pp	+93.9%	+75.3%	+258.7%
TRVThe Travelers Companies, Inc.	$64.6B	+1.3%	+5.2%	+12.8%	+1.6pp	+70.6%	+98.2%	+201.4%
CBChubb Limited	$125.4B	-1.9%	+3.9%	+12.0%	+1.3pp	+66.4%	+92.1%	+187.6%
PGRThe Progressive Corporation	$114.7B	-0.6%	-1.3%	-26.8%	+4.9pp	+60.9%	+107.3%	+593.7%
CINFCincinnati Financial Corporation	$25.2B	+1.2%	+0.9%	+14.0%	+2.4pp	+62.2%	+47.4%	+180.5%
AFGAmerican Financial Group, Inc.	$10.9B	+0.8%	+0.1%	+13.6%	+5.7pp	+33.4%	+56.3%	+211.6%
RNRRenaissanceRe Holdings Ltd.	$13.0B	-0.6%	+10.6%	+21.9%	+0.6pp	+45.7%	+87.1%	+176.9%

Compare:NP vs HCI NP vs UPC NP vs HRTG NP vs HCI vs UPC

About NP Dividend Returns

Neptune Insurance Holdings Inc. (NP) is a dividend-paying stock. When dividends are reinvested through a DRIP (Dividend Reinvestment Plan), they purchase additional shares, which then generate their own dividends—creating a compounding effect that can significantly boost long-term returns.

How We Calculate Total Return

Our total return calculator simulates dividend reinvestment (DRIP) by assuming each dividend payment is used to purchase additional shares at the closing price on the ex-dividend date. This methodology provides an accurate representation of how a dividend reinvestment plan would perform.

Frequently Asked Questions

Q1What is the total return of NP over the past year?

Neptune Insurance Holdings Inc. (NP) delivered a total return of 22.86% over the past year when dividends are reinvested. The price-only return was 22.86%, meaning dividends contributed an additional 0.00 percentage points to total returns.

Q2How much would $10,000 invested in NP be worth today?

A $10,000 investment in Neptune Insurance Holdings Inc. one year ago would be worth $12,286 today with dividends reinvested (DRIP). Without reinvesting dividends, the same investment would be worth $12,286. Dividend reinvestment added $0 to the portfolio value.

Q3Does NP pay dividends?

Yes, Neptune Insurance Holdings Inc. (NP) pays dividends. In the last year, NP paid approximately $1.27 per share in dividends (4.16% yield). Reinvesting these dividends through a DRIP can significantly boost long-term returns — over 20+ years, dividend compounding can account for 30–50% of total returns for dividend-paying stocks.

Q4Did NP beat the S&P 500?

No, Neptune Insurance Holdings Inc. (NP) underperformed the S&P 500 by 7.51 percentage points over the past year. NP delivered a total return of 22.86%, compared to the S&P 500's 30.37%. This means a passive S&P 500 index fund outperformed NP by 7.51pp during this period.

Q5What is NP's worst drawdown?

Neptune Insurance Holdings Inc. (NP) experienced a maximum drawdown of -43.78% over the past year, declining from its peak on 2025-12-24 to its trough on 2026-02-12. The stock has not yet fully recovered to its prior peak. Maximum drawdown measures the worst peak-to-trough decline and is an important risk metric for investors.

Q6What is NP's long-term total return over 10, 20, or 30 years?

Here are Neptune Insurance Holdings Inc. (NP)'s long-term returns with dividends reinvested. Over 10 years, the total return is 68.9% (5.4% CAGR) — $10,000 would have grown to $16,893. Over 20 years: 93.4% total return (3.4% CAGR) — $10,000 → $19,341. Over 30 years: 95.4% total return (2.3% CAGR) — $10,000 → $19,542. Long-term investors benefit from compounding: dividends buy additional shares, which generate their own dividends, creating an exponential growth effect.