NP vs PGR
NP: Neptune Insurance Holdings is a technology-driven insurance provider digitizing the flood insurance sector with its proprietary Triton underwriting engine. PGR: A leading US property-casualty insurer known for its robust underwriting profitability and significant market share in the personal and commercial auto insurance segments.
Side-by-side fundamentals
| Metric | NP | PGR | Edge |
|---|---|---|---|
| Price as of 2026-10-08 close | $28.44 | $218.73 | |
| Market cap | $2.7B | $127.2B | |
| P/E as of 2026-10-08 | 21.01 | 10.97 | PGR lower |
| Net margin FY2025, SEC XBRL | +23.4% | +12.9% | NP higher |
| Operating margin FY2025, SEC XBRL | +44.5% | n/a | |
| ROE FY2025, SEC XBRL | n/a | +37.3% | |
| ROA FY2025, SEC XBRL | +57.3% | +9.2% | NP higher |
| Debt / equity as of 2026-09-03 | 156.95 | 0.24 | PGR lower |
| Revenue growth (YoY) as of 2026-09-03 | +38.2% | +10.5% | NP higher |
| Revenue CAGR (3y) SEC XBRL | +37.1% | +20.9% | NP higher |
| Dividend yield as of 2026-09-03 | +5.7% | +0.2% | NP higher |
| Dividend streak (yrs) SEC XBRL | n/a | 4 | |
| Beta as of 2026-09-03 | 0.41 | 0.14 | |
| 1-year return as of 2026-10-08 close | +4.9% | -10.0% | NP higher |
Fundamentals: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-10-08.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date; "Edge" cells are a pure numeric comparison, not a recommendation.