Fidelity National Financial (FNF) vs Neptune Insurance (NP)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
Neptune Insurance (NP) has outperformed Fidelity National Financial (FNF) over the past year, gaining 1.8% versus a loss of 28.7%. Fidelity National Financial is the larger company by market cap ($10.46 billion vs $3.82 billion), about 2.7 times the size, while Neptune Insurance is growing revenue faster (+33.7% vs +5.6%). On valuation, Fidelity National Financial trades at a lower forward P/E (7.1x vs 41.3x for Neptune Insurance).
Fidelity National Financial pays a dividend yielding 5.28%, while Neptune Insurance does not currently pay one. Neptune Insurance converts more of its revenue into profit, with a net margin of 23.4% versus 4.2%.
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | FNF | NP |
|---|---|---|
| Share price | $39.02 | $27.86 |
| Market cap | $10.46B | $3.82B |
| 1-day change | -0.15% | +2.46% |
| YTD return | -28.52% | -4.46% |
| 1-year return | -28.66% | +1.75% |
| 5-year return | -14.33% | — |
| P/E ratio (TTM) | 13.55 | 121.13 |
| Forward P/E | 7.07 | 41.35 |
| EPS (TTM) | $2.88 | $0.23 |
| Dividend yield | 5.28% | 0.00% |
| Annual dividend | $2.06 | $0.00 |
| Revenue (latest FY) | $14.45B | $159.55M |
| Revenue growth (YoY) | +5.58% | +33.74% |
| Net income (latest FY) | $602.00M | $37.41M |
| Operating margin | — | 44.47% |
| Net margin | 4.17% | 23.45% |
| 52-week high | $58.41 | $35.15 |
| 52-week low | $37.88 | $14.78 |
| Distance from 52-week high | -33.20% | -20.74% |
| Analyst consensus | buy | buy |
| Avg. price target upside | +48.13% | +23.40% |
| Average volume | 2.08M | 578.49K |
| Shares outstanding | 268.19M | 93.80M |
| Employees | 24,535 | 62 |
| Sector | Finance | Finance |
| Industry | Specialty Insurers | Specialty Insurers |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- Fidelity National Financial is about 2.7 times larger than Neptune Insurance by market value ($10.46B vs $3.82B).
- NP has outperformed FNF by 30.4 percentage points over the past year.
- Neptune Insurance trades at a higher earnings multiple (121.1x vs 13.5x trailing P/E).
- Fidelity National Financial offers a meaningfully higher dividend yield (5.28% vs 0.00%).
- Neptune Insurance is more profitable, keeping 23.4 cents of every revenue dollar as net income versus 4.2 cents for Fidelity National Financial.
- Neptune Insurance grew revenue faster in its latest fiscal year (+33.74% vs +5.58%).
About Fidelity National Financial
FNF stock →Fidelity National Financial, Inc., together with its subsidiaries, provides various insurance products in the United States. It operates through Title, F&G, and Corporate and Other segments.
Finance · Specialty Insurers · 24,535 employees
About Neptune Insurance
NP stock →Neptune Insurance Holdings Inc., through its subsidiary, Neptune Flood Incorporated, operates as an insurance agency that engages in selling residential and commercial flood insurance policies on behalf of insurance carrier partners in the United States. The company offers primary and excess flood, parametric earthquake, and indemnity earthquake insurance through a network of agencies.
Finance · Specialty Insurers · 62 employees
FNF vs NP FAQ
Which is bigger, Fidelity National Financial or Neptune Insurance?
Fidelity National Financial (FNF) is larger, with a market capitalization of $10.46B compared with $3.82B for Neptune Insurance (NP).
Which stock has performed better over the past year, FNF or NP?
NP returned +1.75% over the past 12 months, compared with -28.66% for FNF (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, FNF or NP?
FNF has the lower trailing P/E at 13.5, versus 121.1 for NP. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, Fidelity National Financial or Neptune Insurance?
Fidelity National Financial pays a dividend yielding 5.28%, while Neptune Insurance does not currently pay a regular dividend.
Are Fidelity National Financial and Neptune Insurance in the same industry?
Yes. Both are classified in the Specialty Insurers industry within the Finance sector.