NP
Neptune InsuranceCNYSE / Insurance
Last Price
At close
2026-07-18
Current thesis
The bull case is that Neptune remains an unusual public insurance name: an AI-native, asset-light flood MGA with demonstrated growth, high incremental margins, and a large underinsured market. Primary company sources support real operating momentum through 2025 and suggest digital distribution and adjacency launches could extend the runway if Q1 2026 confirms the trend.
Posture
Mixed
Lead driver
Momentum
What changed
Next scheduled catalyst: earnings 2026-07-21 · AMC.
What can break
Neptune's evidence set is still company-source heavy, so sentiment could reverse quickly if external confirmation or future quarters fail to validate management's growth narrative.
Momentum
89
Value
39
Sentiment
45
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $27.00 · Bull $34.00 · Bear $21.00
Earnings
2026-07-21 · AMC
Data freshness
Prices
As of 2026-07-18
Fundamentals
As of 2026-07-17 • Vendor: Data Vendor v1
Scores
As of 2026-07-18 • Model: HYBRID_IC_RP
AI Memo
As of 2026-04-21 • Model: RankAlpha Sentiment Codex
Investment thesisAs of 2026-07-18
Investment thesis
As of 2026-07-18
Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Neutral
Target $32.46
Why
Momentum89 · Δ7d +0.9
Value39 · Δ7d +0.1
Sentiment45 · Δ7d -0.4
So what
Balanced signals (Net Neutral). Wait for confirmation before sizing up.
Lead driver: Momentum · See technicals
Momentum
89
26% active weight
Current posture
7d trendSoftening
Δ7d
+0.9
Δ21d
+7.0
Value
39
39% active weight
Current posture
7d trendFlat
Δ7d
+0.1
Δ21d
-11.0
Sentiment
45
34% active weight
Current posture
7d trendFlat
Δ7d
-0.4
Δ21d
-4.6
Why this grade
Composite grade C. Momentum 88.9 / Value 38.9 / Sentiment 44.5
Fundamentals (TTM)As of 2026-07-17
Fundamentals (TTM)
As of 2026-07-17
Market Cap
$4.29B
Beta
-
Shares Out
138.33M
P/E (TTM) · Derived
-157.7
P/S (TTM)
-
P/FCF (TTM)
-
Rev YoY
+28.8%
EPS YoY
+53.7%
Gross Margin
-
Op Margin
-
Net Debt
$199.45M
Current Ratio
1.01
As of 2026-07-18 • Updated nightlySource: Internal modelMethodology