NP (Neptune Insurance Holdings) Moat Score: 4/10 (As of Jul. 06, 2026)


NP Neptune Insurance Holdings Inc NP
17 GF Score
Price $33.39
! 3 Warning Signs
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What is Neptune Insurance Holdings Moat Score?

Neptune Insurance Holdings NP +0.51% 17 Moat Score is 4 as of Jul. 06, 2026. GuruFocus rates NP with a GF Score™ of 17/100. The stock has 3 warning signs investors should review. Among 598 Insurance companies, Neptune Insurance Holdings ranks better than 79.6% on this metric.

Neptune Insurance Holdings has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Neptune Insurance Holdings has Narrow Moat: Neptune Insurance Holdings Inc has a discernible but modest moat due to its niche focus in the insurance sector. The company benefits from regulatory barriers and some brand recognition. However, it faces intense competition and lacks significant customer switching costs or unique intellectual property, limiting its moat to a modest level.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Neptune Insurance Holdings might have Narrow Moat - Discernible but modest moat.

Neptune Insurance Holdings  (NYSE:NP) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Neptune Insurance Holdings Moat Score Related Terms

NP vs CRVL, ARX, BWIN: Moat Score Comparison

For the Insurance Brokers subindustry, Neptune Insurance Holdings's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Neptune Insurance Holdings Moat Score vs Insurance Industry

For the Insurance industry and Financial Services sector, Neptune Insurance Holdings's Moat Score distribution charts can be found below:

* The bar in red indicates where Neptune Insurance Holdings's Moat Score falls into.


NP
17GF Score
Neptune Insurance Holdings Inc NP
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
Neptune Insurance Holdings (NP) has a Moat Score of 4 as of Jul. 06, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Neptune Insurance Holdings ranks #122 out of 598 companies in the Insurance industry, placing it in the top 20.4%.
Is Neptune Insurance Holdings' Moat Score too high?
Neptune Insurance Holdings' current Moat Score is 4. Based on the distribution chart, Neptune Insurance Holdings ranks #122 out of 598 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Neptune Insurance Holdings has a GF Score™ of 17/100, reflecting its overall financial health beyond just this single metric.
How does Neptune Insurance Holdings' Moat Score compare to CRVL and ARX?
According to the Insurance industry distribution chart, Neptune Insurance Holdings ranks #122 out of 598 companies for Moat Score. This places Neptune Insurance Holdings in the top 20% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for an Insurance company?
A good Moat Score depends on the Insurance industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Neptune Insurance Holdings's current Moat Score is 4. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Neptune Insurance Holdings stock overvalued right now?
Neptune Insurance Holdings (NP) has a current Moat Score of 4. The current Moat Score is 4. Neptune Insurance Holdings' overall GF Score™ is 17/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Neptune Insurance Holdings (NP), the current Moat Score is 4 as of Jul. 06, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Neptune Insurance Holdings Business Description

Address 400 6th Street South, Suite 2, Saint Petersburg, FL, USA, 33701
Neptune Insurance Holdings Inc is a high-growth, profitable, data-driven MGA that offers residential and commercial insurance products, including primary flood insurance, excess flood insurance and parametric earthquake insurance, distributed through a nationwide network of agencies in the United States. The company underwrites and administers the issuance of insurance policies on behalf of a diverse panel of insurance and reinsurance companies and does not take any balance sheet insurance risk or have claims handling responsibility relating to the policies it sells.
17GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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