네이튠 인슈어런스 홀딩스(NP) 주가 전망 및 기업 분석 - PER·배당·실적·목표주가·RSI·MACD

Neptune Insurance Holdings Inc

7월 27일 4:00 PM ET (한국 7/28 05:00)

$30.82

+0.58 ▲ +1.92%

🌙 7월 27일 5:14 PM ET (한국 7/28 06:14)

$30.82

+0.00 +0.00%

네이튠 인슈어런스 홀딩스(NP) is a Financial sector company, analyzed across 14 metrics on this page including P/E, EPS, dividends, RSI, and MACD.

시가총액

$4.3B

스몰캡

P/E

135.7

고평가 구간

배당수익률

없음

52주 위치

81%

저점 +109% · 고점 -11%

애널리스트

매수

A-

Fundamental health

vs. Insurance Brokers

수익성

Top 8%

성장

Top 16%

밸류에이션

Top 1%

재무 안정

Top 57%

Index ⓘ	RUT	P/E ⓘ	135.65	EPS (ttm) ⓘ	0.23	Insider Own ⓘ	73.08%	Shs Outstand ⓘ	93.8M	Perf Week ⓘ	-2.44%
Market Cap ⓘ	4.26B	Forward P/E ⓘ	46.27	EPS next Y ⓘ	22.07%	Insider Trans ⓘ	-10.01%	Shs Float ⓘ	37.2M	Perf Month ⓘ	12.32%
Enterprise Value ⓘ	4.43B	PEG ⓘ	1.83	EPS next Q ⓘ	0.16	Inst Own ⓘ	16.91%	Short Float ⓘ	5.57%	Perf Quarter ⓘ	14.96%
Income ⓘ	0.03B	P/S ⓘ	26.72	EPS this Y ⓘ	33.09%	Inst Trans ⓘ	-36.9%	Short Ratio ⓘ	2.38	Perf Half Y ⓘ	25.8%
Sales ⓘ	0.16B	P/B ⓘ	-	EPS next 5Y ⓘ	25.25%	ROA ⓘ	-	Short Interest ⓘ	2.07M	Perf YTD ⓘ	5.69%
Book/sh ⓘ	-1.62	P/C ⓘ	59.17	EPS past 3/5Y ⓘ	-	ROE ⓘ	-	52W High ⓘ	-10.95% ($34.61)	Perf Year ⓘ	-
Cash/sh ⓘ	0.52	P/FCF ⓘ	-	Sales past 3/5Y ⓘ	37.11% -	ROIC ⓘ	210.67%	52W Low ⓘ	108.53% ($14.78)	Perf 3Y ⓘ	-
Dividend Est. ⓘ	-	EV/EBITDA ⓘ	55.32	EPS Y/Y TTM ⓘ	10.61%	Gross Margin ⓘ	66.92%	Volatility(W/M) ⓘ	7.06% 5.73%	Perf 5Y ⓘ	-
Dividend TTM ⓘ	-	EV/Sales ⓘ	27.77	Sales Y/Y TTM ⓘ	33.74%	Oper. Margin ⓘ	47.88%	ATR (14) ⓘ	1.71	Perf 10Y ⓘ	-
Dividend Ex-Date ⓘ	-	Quick Ratio ⓘ	1.01	EPS Q/Q ⓘ	28.27%	Profit Margin ⓘ	19.66%	RSI (14) ⓘ	52.18	Recom ⓘ	1.93
Dividend Gr. 3/5Y ⓘ	-	Current Ratio ⓘ	1.05	Sales Q/Q ⓘ	32.82%	SMA20 ⓘ	-2.47% ($31.6)	Beta ⓘ	-	Target Price ⓘ	$33.54
Payout ⓘ	-	Debt/Eq ⓘ	-	Earnings ⓘ	2026/7/21	SMA50 ⓘ	6.1% ($29.05)	Rel Volume ⓘ	1.05	Prev Close ⓘ	$30.24
Employees ⓘ	62	LT Debt/Eq ⓘ	-	EPS/Sales Surpr. ⓘ	3.52% 6.68%	SMA200 ⓘ	18.42% ($26.03)	Avg Volume(3M) ⓘ	0.87M	Price ⓘ	$30.82
IPO ⓘ	2025/10/1	Option/Short ⓘ	No/Yes			Trades ⓘ	6486	Volume ⓘ	916,782	Change ⓘ	1.92%

Quarterly earnings trend SEC filings · USD

24.3

24.6

24.9

25.3

25.6

25.9

26.3

Revenue Net income 최근 분기: 매출 $38M (YoY +29%) · 순이익 $7M (YoY -26%)

📊 Neptune Insurance Holdings Inc (NP) Investment Analysis

What kind of company is Neptune Insurance Holdings Inc?

네이튠 인슈어런스 홀딩스(NP) 성장주

Financial · Insurance Brokers

#1524 by Market Cap — Mid-Cap

A data-driven flood insurance intermediary and underwriting services company. It uses its proprietary artificial intelligence platform to underwrite and manage residential and commercial flood insurance, distributes policies through a nationwide agent network, and operates an intermediation and underwriting model in which insurance risk is borne by insurers and reinsurers. The company operates in the flood insurance sector.

Learn more about Neptune Insurance Holdings Inc →

Market Cap

$4.3B

Approx. KRW 5.8 trillion

⚖️ 1% of Samsung Electronics

Market Cap Rank1524

Employees62people

IPO2025/10/01

Current Price$30.82 ≈ 42,223원

📌 RUT · NYSE · USA

Key Events

⏰ Upcoming events

🔔 Earnings release

The next release date has not been announced yet.

🎯 Ex-dividend date

No scheduled dividends

📜 Recent events

🔔 Earnings release 2026년 7월 21일 (화) · 장 마감 후 EPS +3.5% 매출 +6.7%

🔔 Earnings release 2026년 4월 22일 (수) · 장 마감 후 EPS -0.9% 매출 +1.9%

🔔 Earnings release 2026년 2월 18일 (수) · 장 마감 후

Is it profitable?

Profitability healthy

Profitability — How efficiently it makes money

Operating Margin

Profit kept from selling products and services (higher is better)

47.9%

✓ 우수

My positionTop 5%

Low range Average High range

Insurance Brokers Median 13.8% · Top tier

💡 일반적으로 10% 이상이면 양호, 20% 이상이면 우수

Net Margin

Share of revenue left after taxes and interest are paid

19.7%

✓ 우수

My positionTop 5%

Low range Average High range

Insurance Brokers Median 1.4% · Top tier

💡 일반적으로 8% 이상이면 양호, 15% 이상이면 우수

Gross Margin

Profit after subtracting raw-material costs only (signals product competitiveness)

66.9%

✓ 양호

My positionMid-range

Low range Average High range

Insurance Brokers Median 40.6% · Top 32%

💡 제조업 30%, IT/소프트웨어 50% 이상이면 우수 (업종별 편차 큼)

ROIC

Return generated per dollar invested in the business

210.7%

✓ 우수

My positionTop 5%

Low range Average High range

Financial 중형주 Median 8.4% · Top tier

💡 자본비용(보통 8~10%)보다 높으면 가치 창출, 15% 이상이면 우수

Financial health — Debt & liquidity burden

Current Ratio

Liquid assets available to cover liabilities due within a year

1.05

✓ 평균

My positionMid-range

Low range Average High range

Insurance Brokers Median 1.19

💡 1.5~3.0 적정, 1.0 미만이면 단기 유동성 주의

Quick Ratio

Liquid assets excluding inventory, available for immediate use

1.01

✓ 양호

My positionMid-range

Low range Average High range

Insurance Brokers Median 1.18

💡 1.0 이상이면 안전, 0.5 미만이면 주의

* Ratings reflect relative position vs. peer-group distribution (same sector & size) plus absolute guards (loss & risk thresholds).

What's the outlook?

Mixed Outlook

Positive and negative signals are mixed

애널리스트 목표가

$33.54

현재가 대비 +8.8%

💡 12개월 이내 도달을 전망하는 애널리스트 컨센서스 평균

예상 PER (Forward)

46.27배

💡 내년 예상 EPS 기준. 현재 PER과 비교해 이익 성장 반영 정도 확인

PEG (성장 반영 밸류)

1.83

다소 비쌈

💡 PEG 1.5~2 — 성장 대비 다소 비쌈

내년 EPS 예상 성장률

+22.1%

💡 10% 이상이면 견조한 성장, 마이너스는 이익 감소 예상

5년 EPS 예상 연평균

+25.3%

💡 장기 성장 전망. 15% 이상이면 고성장 기업

⚠ 이 데이터는 애널리스트 추정치이며 실제 결과와 다를 수 있습니다. 투자 결정은 추가 검토와 함께 하세요.

Did earnings meet expectations?

Average Earnings Performance

Slight tendency to beat estimates

예상 상회

예상 부합

예상 하회

67%

상회 비율

-0.2%

평균 서프라이즈

2026.07.21

상회

실적 $0.15 · 예상 $0.14 +4.4%

2026.04.22

하회

실적 $0.09 · 예상 $0.10 -6.4%

2026.02.18

상회

실적 $0.10 · 예상 $0.10 +1.4%

💡 예상보다 높은 실적을 자주 내는 기업은 실적 신뢰도가 높다고 평가됩니다. 단, 애널리스트 기대치가 낮게 설정되었을 수도 있으니 절대 수치도 함께 봐야 합니다.

Is it growing?

Strong Growth

Above the industry average, both historically and going forward

🔮 How much will it grow? (analyst forecasts)

This Year's EPS Outlook

Projected EPS growth rate for this year

+33.1%

우수

My positionTop 25%

Low range Average High range

성장주 중형주 Median 13.7% · Top 13%

Next Year's EPS Outlook

Projected EPS growth rate for next year (analyst consensus)

+22.1%

우수

My positionTop 25%

Low range Average High range

성장주 중형주 Median 15.1% · Top 25%

5-Year EPS CAGR Outlook

Projected average annual EPS growth over the next 5 years

+25.3%

우수

My positionTop 25%

Low range Average High range

성장주 중형주 Median 15.9% · Top 10%

⚡ Short-term momentum

QoQ Revenue

Revenue change from the previous quarter (short-term momentum)

+32.8%

우수

My positionTop 25%

Low range Average High range

성장주 중형주 Median 11.1% · Top 15%

* Forecast values are analyst consensus estimates. Ratings are determined by relative position vs. peer group of the same growth style and size.

New to investing terms? Look it up in the financial dictionary →

Has the stock risen over the long term?

Returns by period

Current position within 52-week range

Low (-108.5%p) High (-10.9%p)

Current price is 108.5% above the 52-week low and 10.9% below the 52-week high

Recent risk (last 120 trading days)

Max drawdown

-31.0%

Annualized volatility

74.5%

Technical Indicators

Bollinger Bands · MACD · RSI · Stochastics · Ichimoku 5-line · recent 137-day series

Price · Bollinger Bands · Ichimoku Cloud

close
BB Upper
BB Mid
BB Lower
Tenkan
Kijun
Cloud (SpanA/B)

Bollinger Bands are upper and lower channels showing the closing price range (20 days · 2σ). Touching the upper band = overheated; touching the lower band = oversold. Ichimoku Cloud shows trend direction and strength through colored areas. Prices above the cloud indicate an uptrend; prices below indicate a downtrend. About Bollinger Bands →

🔴

Current diagnosis · 2026-07-27

Downtrend zone

Current price $30.82 below the midline ($31.60). Normal downward flow. Above the Ichimoku cloud (bullish).

MACD (12 · 26 · 9) Expand ▼

An indicator that uses the difference between the short-term EMA (12) and long-term EMA (26) to identify trend reversals. When MACD rises above the Signal line, it is a buy signal (golden cross); when it falls below, it is a sell signal (death cross). About MACD →

🟡

Current diagnosis · 2026-07-27

Neutral zone — weak trend

MACD 0.325 · Signal 0.663 · Hist -0.338. Weak directional bias.

RSI(14) · Stochastics %K(14) Expand ▼

RSI measures short-term buying and selling pressure on a scale of 0–100. 30 or below = oversold (a rebound may be possible); 70 or above = overbought (a pullback may be possible). Stoch %K similarly measures short-term momentum strength. RSI · Learn more about Stochastics →

🟢

Current diagnosis · 2026-07-27

Bullish zone

RSI 52.2 (above the neutral level of 50). Buying pressure leads, supporting a steady rise. Stoch %K is also 54.5.

※ "Current diagnosis" is an automated interpretation based on standard thresholds and is for reference only. Make your own comprehensive judgment before trading.

Is it attractive at this price?

Pricier than peers in its industry

Pricey on Vs. Earnings·Vs. Sales·Vs. Cash Flow

💡 How to read this — Compare against peers in the same industry to see what the price is cheap or expensive relative to. Example: cheap vs. earnings = stock price is low relative to what the company earns; expensive vs. assets = stock price is high relative to assets on the balance sheet.

💵 Vs. Earnings Pricey

🧾 Vs. Sales Pricey

💧 Vs. Cash Flow Pricey

💵 Vs. Earnings

PER Price-to-Earnings Ratio

How expensive the price is vs. earnings — lower is cheaper

135.65x

✓ Very pricey

My positionBottom 5%

Low range Average High range

Financial 중형주 median 13.04x · Bottom 1% — expensive within the industry

💡 PER 15 이하 저평가, 25 이상이면 성장성 검증 필요 (적자 기업은 의미 없음)

💵 Vs. Earnings

Forward PER Forward Price-to-Earnings Ratio

PER using next year's estimated earnings — reflects growth

46.27x

✓ Very pricey

My positionBottom 5%

Low range Average High range

Financial 중형주 median 10.74x · Bottom 1% — expensive within the industry

💡 향후 12개월 예상 EPS 기준 PER. 현재 PER보다 낮으면 이익 성장 중

🧾 Vs. Sales

PSR Price-to-Sales Ratio

Market cap vs. revenue — lower is cheaper relative to sales

26.72x

✓ Very pricey

My positionBottom 5%

Low range Average High range

Insurance Brokers median 2.51x · Bottom 1% — expensive within the industry

💡 PSR 2 이하 저평가, 10 초과면 고평가 (고성장 기업일 때만 정당화)

💧 Vs. Cash Flow

EV/EBITDA Enterprise Value Multiple

Total enterprise value ÷ operating cash earnings — a benchmark for M&A

55.32x

✓ Very pricey

My positionBottom 5%

Low range Average High range

Insurance Brokers median 13.92x · Bottom 1% — expensive within the industry

💡 EV/EBITDA 10 이하 저평가, 20 이상이면 고평가 (M&A 밸류 기준)

Analyst target price (reference)

$33.54 vs. current price +8.8%

* Valuation is the stock's relative position within the industry peer group (same sector and market-cap range). Even when valuation looks attractive, check the 'Profitability' and 'Growth' sections too.

As of: Recent snapshot · Peer group: Financial 중형주

Who owns it?

Ownership backdrop is unfavorable

Insider net selling -10.0% · Institutional net selling -36.9% · Short interest moderate 5.6% · Short interest fell -45.9%p over the last 90 days

📈 Recent trading flow (6 months)

🧑‍💼 Insiders (executives & directors)

-10.0%

Insiders large net selling

🏦 Institutions (funds & investors)

-36.9%

Institutions large net selling

💡 Net change over the past 6 months. Shows how much insiders and institutions increased or reduced their holdings, in %.

👥 Holdings composition

🏦 Institutions 16.9%

Retail-led

Financial 중형주 Median 76.4%

🧑‍💼 Insiders 73.1%

Founder/management large holders (strong skin-in-the-game)

Financial 중형주 Median 3.1%

👤 Retail investors (estimated) 10.0%

Everyone excluding institutions and insiders

Institutions Insiders Retail (est.)

📉 Short-selling metrics

Short ratio

5.6%

Moderate

Financial 중형주 Median 5.1%

Past 90 days 📉 -45.9%p decrease

Short interest days to cover

2.4 days

Days needed to close short positions using average trading volume

🧮 Share count

Total shares outstanding 93.8M주

Float (tradable shares) 37.2M주

* Insider/institutional flows are based on net changes over the past 6 months. Trend is cumulative over the past 90 days.

ETFs holding NP

ETFs with the highest weightings · 10 total shown

FDFF

Fidelity Disruptive Finance ETF

1.05%

$43M

SQLV

Royce Quant Small-Cap Quality Value ETF

First Trust Multi-Manager Small Cap Opportunities ETF

0.27%

$51M

BKSE

BNY Mellon US Small Cap Core Equity ETF

0.05%

$86M

* Based on official quarterly filings. Latest disclosure; actual current weights may differ.

How much does it pay in dividends?

This company does not pay a dividend

It may be a growth-focused firm reinvesting profits into expansion. Consider this growth-stock profile when investing.

Compare Industry Peers

💡 vs. sector average ▲ Favorable / ▼ Unfavorable (Lower PER and PBR are better; higher ROE and dividend yield are better)

Sorted by market cap, largest first

Stock	Market Cap	PER	PBR	ROE	Dividend Yield	Change
NP This Stock	$4.3B	135.7 ▼	-	-	-	+1.9%
BRK-B	$966.4B	14.8 ▼	1.5 ▼	10.49% ▲	-	+0.5%
BRK-A	$963.1B	14.8 ▼	1.5 ▼	10.49% ▲	-	+0.1%
JPM	$954.4B	15.3 ▼	2.7 ▼	17.71% ▲	1.8% ▼	+0.8%
V	$683.1B	31.9 ▼	19.4 ▼	59.8% ▲	0.75% ▼	+1.9%
MA	$487.5B	31.9 ▼	72.8 ▼	232.56% ▲	0.63% ▼	+2.2%
Sector Avg	-	13.6	1.3	9.39%	2.62%	-

FAQ

What kind of company is 네이튠 인슈어런스 홀딩스(NP)?

네이튠 인슈어런스 홀딩스(NP) belongs to the Financial sector and operates in the Insurance Brokers industry.

What is the market cap of NP?

The market cap of NP is approximately $4.3B, ranking 1,524 within its sector.

What is the P/E ratio of NP?

NP has a P/E ratio of approximately 135.7x, which can be used to assess its valuation relative to the Financial sector average.

What is the 52-week high and low for NP?

NP has recorded a 52-week high of $34.61 and a low of $14.78.

면책조항: 본 콘텐츠는 참고 자료이며 투자 권유가 아닙니다. 모든 투자의 책임은 투자자 본인에게 있습니다.