Neptune Insurance vs TWFG
NP and TWFG side by side, both in insurance agents, brokers, and service. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How NP and TWFG compare
Neptune Insurance is the larger company, worth 2.7 times as much as TWFG ($3.9B against $1.5B).
On earnings, TWFG is cheaper: it trades at 46.6× trailing earnings, against 91.9× for Neptune Insurance.
TWFG grew revenue faster over the last twelve months (35.0% versus 33.8% for Neptune Insurance).
TWFG scores higher on the StockData Score (7 against 4 for Neptune Insurance), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | NP | TWFG |
|---|---|---|
| Size and price | ||
| Market cap | $3.9B | $1.5B |
| Share price | $28.48 | $27.02 |
| Change, 1 year | 6.8% | 7.4% |
| Change, 5 years | −57.8% | – |
| Beta (5Y) | 0.82 | 0.26 |
| Employees | 62 | 400 |
| StockData Score | ||
| Total score | 4 | 7 (better) |
| Valuation score | 0 | 0 |
| Growth score | 1 | 3 (better) |
| Performance score | 2 (better) | 0 |
| Health score | 1 | 4 (better) |
| Dividend score | 0 | 0 |
| Valuation | ||
| P/E | 91.9× | 46.6× (better) |
| P/S | 20.0× | 4.7× (better) |
| P/B | – | 30.8× |
| EV/EBITDA | 48.2× | 20.0× (better) |
| P/FCF | – | 26.5× |
| FCF yield | – | 3.8% |
| Fair value | – | $10.84 |
| Margin of safety | – | −149% |
| Growth | ||
| Revenue growth (TTM) | 33.8% | 35.0% (better) |
| Net income growth (TTM) | 0.14% | – |
| EPS growth (TTM) | – | 34.9% |
| Profitability | ||
| Operating margin | 41.3% (better) | 17.3% |
| Net margin | 22.7% | – |
| FCF margin | – | 17.8% |
| Financial health | ||
| Debt / equity | – | 0.05 |
| Net debt / EBITDA | – | −0.94 |
| Interest coverage | 5.4× | 207× (better) |
| Current ratio | 0.91 | 2.81 (better) |
| Altman Z-score | 5.47 | 14.93 (better) |
| Piotroski F-score | 6 | – |
| Dividends and buybacks | ||
| Shareholder yield | 0.00% | 0.00% |
| Ownership | ||
| Held by institutions | 48.5% | 16.9% |
| Held by insiders | 81.3% | 69.9% |
| Insider net buying, 12 months | −$438M | $3.4M (better) |
| Superinvestors holding | – | 1 |
| Short interest, % of float | 8.3% | 6.3% |
Go deeper
- NP stock overview
- NP income statement
- NP valuation and score
- TWFG stock overview
- TWFG income statement
- TWFG valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.