Neptune Insurance Holdings (NP) Q3 2026 earnings — TrendMatrix coverage
Reported
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. How we score · Full disclosure
Key numbers
- Adjusted EPS
- $0.17
- Estimate
- $0.16
- Surprise
- +7.2%
- Score at report (before → after)
- 5.9 → 6.1/10
Revenue for this quarter isn’t shown: the reported figure hasn’t cleared TrendMatrix’s freshness and sanity checks yet, and consensus revenue isn’t tracked. EPS above is the available figure.
How the report landed
Neptune Insurance Holdings (NP) beat the $0.16 estimate with adjusted EPS of $0.17 — a clear 7.2% upside surprise. TrendMatrix's engine moved from Buy (Wait) (5.9/10) to Hold at 6.1/10 after the report.
Where TrendMatrix's rating stands now
TrendMatrix currently rates NP Hold at 6.1/10.
1 of the last 4 quarters beat the estimate; this quarter's +7.2% surprise compares with a +1.6% four-quarter average.
What supports the rating
- V7 flight-to-quality bonus: +0.5 (Q=8.3 in RISK_OFF)
- Sector modifier (Financial Services): +1.0
What argues against it
- Concentration risk — Counterparty: insurance agent and broker partners
- Analyst target reached - limited upside remaining
- Expensive valuation
This section and the ones below it reflect TrendMatrix’s latest engine read — they update after the report date and are not frozen to it.
The levels TrendMatrix's engine tracks
- Current price
- $29.49
- Price target
- $29.68
- Stop
- $27.43
- Upside to target
- +0.6%
- Reward-to-risk
- 0.1:1
The stock trades at 128.2× trailing but 43.6× forward earnings — consensus estimates already build in a substantial earnings recovery.
Risk check: RSI 73 — a level conventionally read as overbought; gains at these levels often lean on momentum.
Model outputs from TrendMatrix’s engine as of 2026-10-21 — shown for context, not personalized investment advice.
NP at TrendMatrix's latest read
For financials, the EPS print is only half the story: credit costs, reserve builds, and rate sensitivity decide how a quarter actually lands.
- Industry
- Insurance Brokers
- Market cap
- $4.05B
- P/E (fwd)
- 43.6
- P/E (ttm)
- 128.2
- 52-week range
- $14.78–$35.15
- Off 52-week high
- 16.1%
- RSI (14)
- 73
- Volume vs avg
- 0.83×
- Score today
- 6.1/10