Neptune Insurance HoldingsFRA:SN4 +2.17%17 Net Margin % is 19.44% as of Mar. 2026, which is 17% below its 10-year median of 23.45. GuruFocus rates FRA:SN4 with a GF Score™ of 17/100. The stock has 3 warning signs investors should review. Among 503 Insurance companies, Neptune Insurance Holdings ranks better than 83.1% on this metric.
The historical rank and industry rank for Neptune Insurance Holdings's Net Margin % or its related term are showing as below:
FRA:SN4'
s Net Margin % Range Over the Past 10 Years
Min: 20.73 Med: 23.45 Max: 29
Current: 20.73
FRA:SN4's Net Margin % is ranked better than 83.1% of 503
companies
in the Insurance industry
Industry Median: 9.26
vs FRA:SN4: 20.73
Neptune Insurance Holdings (FRA:SN4) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Neptune Insurance Holdings Net Margin % Related Terms
Neptune Insurance Holdings Net Margin % Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
FRA:SN4 vs CRVL, ARX, BWIN: Net Margin % Comparison
For the Insurance Brokers subindustry, Neptune Insurance Holdings's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Neptune Insurance Holdings's Net Margin % distribution charts can be found below:
* The bar in red indicates where Neptune Insurance Holdings's Net Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Neptune Insurance Holdings (FRA:SN4) has a Net Margin % of 19.44% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Neptune Insurance Holdings and its competitors. This is 17% below median its historical median of 23.45. Over the past decade, Neptune Insurance Holdings' Net Margin % has ranged from 20.73 to 29.00. According to the industry distribution chart, Neptune Insurance Holdings ranks #85 out of 503 companies in the Insurance industry, placing it in the top 16.9%.
Is Neptune Insurance Holdings' Net Margin % too high?
Neptune Insurance Holdings' current Net Margin % of 19.44% is 17% below median its 10-year median of 23.45. Over the past 10 years, this metric has ranged from a low of 20.73 to a high of 29.00. The Insurance industry median Net Margin % is 9.26. Neptune Insurance Holdings' value of 19.44% is 109.9% above this industry median. Based on the distribution chart, Neptune Insurance Holdings ranks #85 out of 503 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' Net Margin % compare to CRVL and ARX?
According to the Insurance industry distribution chart, Neptune Insurance Holdings ranks #85 out of 503 companies for Net Margin %. This places Neptune Insurance Holdings in the top 17% of its industry — outperforming the majority of peers. The industry median Net Margin % is 9.26. Neptune Insurance Holdings' value of 19.44% is 109.9% above this benchmark. Historically, Neptune Insurance Holdings' own Net Margin % has ranged from 20.73 to 29.00 over the past decade. While the company's 10-year median is 23.45 vs. the industry median of 9.26, Neptune Insurance Holdings has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for an Insurance company?
The median Net Margin % among Insurance companies is 9.26, based on 503 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Neptune Insurance Holdings's current Net Margin % of 19.44% is 109.9% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Neptune Insurance Holdings and its competitors. For the Insurance industry, the median Net Margin % is 9.26 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Neptune Insurance Holdings's current Net Margin % is 19.44%, which is 17% below median its own 10-year median of 23.45. 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 (FRA:SN4) has a current Net Margin % of 19.44%. The current Net Margin % is 19.44%, which is 17% below median its 10-year median of 23.45 and 109.9% above the Insurance industry median of 9.26. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Neptune Insurance Holdings (FRA:SN4), the current Net Margin % is 19.44% as of Mar. 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 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.
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