Hagerty (HGTY) vs Neptune Insurance (NP)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 9, 2026.
Summary
Hagerty (HGTY) has outperformed Neptune Insurance (NP) over the past year, gaining 17.3% versus a gain of 4.9%. Hagerty is the larger company by market cap ($4.88 billion vs $3.90 billion), about 1.3 times the size, while Neptune Insurance is growing revenue faster (+33.7% vs +17.3%). On valuation, Hagerty trades at a lower forward P/E (24.3x vs 42.1x for Neptune Insurance).
Neptune Insurance converts more of its revenue into profit, with a net margin of 23.4% versus 10.2%.
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 | HGTY | NP |
|---|---|---|
| Share price | $14.20 | $28.44 |
| Market cap | $4.88B | $3.90B |
| 1-day change | +1.94% | +2.08% |
| YTD return | +5.65% | -2.47% |
| 1-year return | +17.26% | +4.94% |
| 5-year return | +41.43% | — |
| P/E ratio (TTM) | 129.09 | 123.65 |
| Forward P/E | 24.26 | 42.09 |
| EPS (TTM) | $0.11 | $0.23 |
| Dividend yield | 0.00% | 0.00% |
| Annual dividend | $0.00 | $0.00 |
| Revenue (latest FY) | $1.46B | $159.55M |
| Revenue growth (YoY) | +17.31% | +33.74% |
| Net income (latest FY) | $149.22M | $37.41M |
| Operating margin | — | 44.47% |
| Net margin | 10.25% | 23.45% |
| 52-week high | $14.26 | $35.15 |
| 52-week low | $9.36 | $14.78 |
| Distance from 52-week high | -0.42% | -19.09% |
| Analyst consensus | buy | buy |
| Avg. price target upside | +2.11% | +20.64% |
| Average volume | 343.93K | 572.80K |
| Shares outstanding | 111.32M | 93.80M |
| Employees | 1,891 | 62 |
| Sector | Finance | Financial Services |
| Industry | Specialty Insurers | Insurance Brokers |
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
- HGTY has outperformed NP by 12.3 percentage points over the past year.
- Neptune Insurance is more profitable, keeping 23.4 cents of every revenue dollar as net income versus 10.2 cents for Hagerty.
- Neptune Insurance grew revenue faster in its latest fiscal year (+33.74% vs +17.31%).
- The two companies sit in different sectors: Hagerty in Finance and Neptune Insurance in Financial Services.
About Hagerty
HGTY stock →Hagerty, Inc. provides insurance services for collector cars and enthusiast vehicles in the United States, Canada, and the United Kingdom.
Finance · Specialty Insurers · 1,891 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.
Financial Services · Insurance Brokers · 62 employees
HGTY vs NP FAQ
Which is bigger, Hagerty or Neptune Insurance?
Hagerty (HGTY) is larger, with a market capitalization of $4.88B compared with $3.90B for Neptune Insurance (NP).
Which stock has performed better over the past year, HGTY or NP?
HGTY returned +17.26% over the past 12 months, compared with +4.94% for NP (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, HGTY or NP?
NP has the lower trailing P/E at 123.7, versus 129.1 for HGTY. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Are Hagerty and Neptune Insurance in the same industry?
No. Hagerty is in the Finance sector, while Neptune Insurance is in Financial Services.