Neptune Insurance (NP) vs Ryan Specialty (RYAN)
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 Ryan Specialty (RYAN) over the past year, gaining 1.8% versus a loss of 35.4%. Ryan Specialty is the larger company by market cap ($9.64 billion vs $3.82 billion), about 2.5 times the size, while Neptune Insurance is growing revenue faster (+33.7% vs +21.3%). On valuation, Ryan Specialty trades at a lower forward P/E (15.5x vs 41.3x for Neptune Insurance).
Ryan Specialty pays a dividend yielding 1.33%, 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 2.1%.
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 | NP | RYAN |
|---|---|---|
| Share price | $27.86 | $37.60 |
| Market cap | $3.82B | $9.64B |
| 1-day change | +2.46% | -1.83% |
| YTD return | -4.46% | -27.17% |
| 1-year return | +1.75% | -35.41% |
| 5-year return | — | +1.13% |
| P/E ratio (TTM) | 121.13 | 53.71 |
| Forward P/E | 41.35 | 15.47 |
| EPS (TTM) | $0.23 | $0.70 |
| Dividend yield | 0.00% | 1.33% |
| Annual dividend | $0.00 | $0.50 |
| Revenue (latest FY) | $159.55M | $3.05B |
| Revenue growth (YoY) | +33.74% | +21.28% |
| Net income (latest FY) | $37.41M | $63.40M |
| Operating margin | 44.47% | 16.18% |
| Net margin | 23.45% | 2.08% |
| 52-week high | $35.15 | $58.94 |
| 52-week low | $14.78 | $29.28 |
| Distance from 52-week high | -20.74% | -36.21% |
| Analyst consensus | buy | buy |
| Avg. price target upside | +23.40% | +33.22% |
| Average volume | 578.49K | 1.94M |
| Shares outstanding | 93.80M | 122.08M |
| Employees | 62 | 6,171 |
| 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
- Ryan Specialty is about 2.5 times larger than Neptune Insurance by market value ($9.64B vs $3.82B).
- NP has outperformed RYAN by 37.2 percentage points over the past year.
- Neptune Insurance trades at a higher earnings multiple (121.1x vs 53.7x trailing P/E).
- Ryan Specialty offers a meaningfully higher dividend yield (1.33% vs 0.00%).
- Neptune Insurance is more profitable, keeping 23.4 cents of every revenue dollar as net income versus 2.1 cents for Ryan Specialty.
- Neptune Insurance grew revenue faster in its latest fiscal year (+33.74% vs +21.28%).
- The two companies sit in different sectors: Neptune Insurance in Finance and Ryan Specialty in Financial Services.
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
About Ryan Specialty
RYAN stock →Ryan Specialty Holdings, Inc. operates as a service provider of specialty products and solutions for insurance brokers, agents, and carriers in the United States, Canada, the United Kingdom, rest of Europe, India, Singapore, and internationally.
Financial Services · Insurance Brokers · 6,171 employees
NP vs RYAN FAQ
Which is bigger, Neptune Insurance or Ryan Specialty?
Ryan Specialty (RYAN) is larger, with a market capitalization of $9.64B compared with $3.82B for Neptune Insurance (NP).
Which stock has performed better over the past year, NP or RYAN?
NP returned +1.75% over the past 12 months, compared with -35.41% for RYAN (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, NP or RYAN?
RYAN has the lower trailing P/E at 53.7, 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, Neptune Insurance or Ryan Specialty?
Ryan Specialty pays a dividend yielding 1.33%, while Neptune Insurance does not currently pay a regular dividend.
Are Neptune Insurance and Ryan Specialty in the same industry?
No. Neptune Insurance is in the Finance sector, while Ryan Specialty is in Financial Services.