NP

Neptune Insurance Holdings Inc. reported Q3 earnings with key metrics being compared against Wall Street estimates. The article discusses how the company's performance stacked up relative to analyst expectations.

Neptune Insurance Holdings Inc. reported Q3 2026 earnings of $0.17 per share, beating consensus estimates of $0.16, with revenues of $59.57 million exceeding expectations by 8.37%. The company has outperformed estimates three times over the last four quarters.

Despite strong quarterly results, NP shares have underperformed the S&P 500 year-to-date, gaining only 0.5% versus the market's 12.4% gain. The stock received a Zacks Rank #2 (Buy) rating, though the broader Insurance - Multi line industry ranks in the bottom 35% of sectors.

Neptune Insurance (NP) is expected to report Q3 2026 earnings on October 20 with projected EPS growth of 45.5% year-over-year and revenue growth of 23.9%. The company is anticipated to benefit from increased policies in force (323,300 expected), higher fee income, and improved workforce productivity.

However, rising commissions and administrative expenses may offset some gains. The stock has a Zacks Rank #2 (Buy) with a positive Earnings ESP of +1.82%, suggesting a likely earnings beat.

Neptune Insurance Holdings Inc. (NP) is expected to report Q3 2026 earnings of $0.16 per share, representing a 45.5% year-over-year increase, with revenues projected at $54.97 million (up 23.9%). The company has a positive Earnings ESP of +1.82% combined with a Zacks Rank #2 (Buy), suggesting a likely earnings beat. The stock has beaten consensus estimates in 2 of the last 4 quarters.

Neptune Insurance reported Q3 2026 revenue of $59.6 million with 34% year-over-year growth. The company's AI assistant Atlas+ significantly improves quote-to-policy conversion rates (3.5x higher), enabling revenue growth despite weak housing and insurance markets. Operational efficiency through automation allowed the company to grow revenue 34% and EBITDA 38% while reducing headcount from 60 to 59 employees.