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: America's second-largest private auto insurer, combining personal lines, commercial lines, and specialty coverage with a focus on competitive pricing and brand-driven growth.
Side-by-side fundamentals
| Metric | NP | PGR | Edge |
|---|---|---|---|
| Price as of 2026-07-27 close | $30.82 | $215.76 | |
| Market cap as of 2026-07-28 | $4.2B | $126.1B | |
| P/E as of 2026-07-28 | n/a | 10.97 | |
| PEG as of 2026-07-28 | n/a | 3.13 | |
| Net margin as of 2026-07-28 | -2.5% | +12.9% | PGR higher |
| Gross margin as of 2026-07-28 | +14.9% | n/a | |
| Operating margin as of 2026-07-28 | -1.2% | +16.6% | PGR higher |
| ROE as of 2026-07-28 | -2.9% | +35.4% | PGR higher |
| ROA as of 2026-07-28 | +57.3% | +9.6% | NP higher |
| Debt / equity as of 2026-07-28 | 156.95 | 0.26 | PGR lower |
| Revenue growth (YoY) as of 2026-07-28 | +38.2% | +13.9% | NP higher |
| Revenue CAGR (3y) SEC XBRL | +37.1% | +20.9% | NP higher |
| Dividend yield as of 2026-07-28 | +5.7% | +0.2% | NP higher |
| Dividend streak (yrs) SEC XBRL | n/a | 4 | |
| Beta as of 2026-07-28 | -0.09 | 0.26 | |
| 1-year return as of 2026-07-27 close | n/a | -13.7% |
Fundamentals: Finnhub, as of 2026-07-28. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-27.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date; "Edge" cells are a pure numeric comparison, not a recommendation.