NP Stock Analysis: Buy, Sell, or Hold?
NP - Neptune Insurance Holdings Inc.
$25.50
-0.50 (-1.92%)
▼
HOLD
MODERATE Confidence
Last Updated: January 30, 2026
Earnings: Feb 11, 2026
10d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: NP shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
📊 HOLD: NP shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$24.08
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$14.95
Trading above fair value
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 25.0x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: NP is currently trading at $25.50, which is considered slightly low relative to its 30-day fair value range of $25.26 to $29.04. The stock's valuation (Forward PE: 52.6) is in line with its historical norms (54.1). Remarkably, the market is currently pricing in an annual earnings decline of 0.9% over the next few years. This aligns with recent fundamental challenges.
Technical Outlook: Technically, NP is showing sideways momentum. Immediate support is located at $24.11, while resistance sits at $26.50.
Market Sentiment: NP has a weak technical setup (25/100), with bearish trendlines and momentum suggesting caution for short-term entries. The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, NP is showing sideways momentum. Immediate support is located at $24.11, while resistance sits at $26.50.
Market Sentiment: NP has a weak technical setup (25/100), with bearish trendlines and momentum suggesting caution for short-term entries. The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
SLIGHTLY LOW
Fair Price Range
$25.26 -
$29.04
Company Quality Score
47/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
52.4%
Protect Your Profits
Holding NP? Use our AI-powered strategies to protect your downside while keeping your long-term position.
View Profit Protection PlanAll Signals
- BULLISH: Price oversold vs 30-day range
- BEARISH: Weak technical setup (25/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($28.29)
Fair Price Analysis
30-Day Fair Range
$25.26 -
$29.04
Current vs Fair Value
SLIGHTLY LOW
Support & Resistance Levels
Support Level
$24.11
Resistance Level
$26.50
Current Trend
Sideways
Fundamental Context
Forward P/E (Next Year Est.)
52.56
Wall Street Target
$28.29
(+8.8%)
Revenue Growth (YoY)
32.3%
Profit Margin
33.1%
Valuation Discount vs History
-0.9% cheaper
PE vs Historical
52.6 vs 54.1
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-0.9%
(market-implied from PE analysis)
1-Year Target
$25.77
(-1%)
2-Year Target
$25.53
(-2%)
3-Year Target
$25.30
(-3%)
3-Yr Target (if PE normalizes)
(PE: 53→54)
$26.05
(+0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 52.6, Growth: 26.3%)
$52.38
(+101%)
Base:
(SPY PE: 22.3, Growth: 26.3%)
$22.22
(-15%)
Bear:
(PE: 19.0, Growth: 26.3%)
$18.89
(-27%)
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 52.6 to 54.1
Stabilization Target:
$26.76
(+2.9%)
PE Expansion Potential:
+2.9%
Last updated: January 31, 2026 2:05 AM ET
Data refreshes hourly during market hours. Next update: 3:05 AM
Data refreshes hourly during market hours. Next update: 3:05 AM
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Technical Signals Check
Is NP showing a specific setup today?
Insider Activity (6 Months)
0
Buys
2
Sells
Net
INSIDERS SELLING
Recent Transactions
Hold 101 Lp Bsiv
SELL
820123 shares
2025-10-01
Vii L.P. Ftv
SELL
678019 shares
2025-10-01
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Advanced NP Option Strategies
Professional options setups generated by AI based on today's NP price and gamma walls.