Neptune Insurance (NP) vs XChange TEC.INC (XHG)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 9, 2026.
Summary
XChange TEC.INC (XHG) has outperformed Neptune Insurance (NP) over the past year, gaining 76.9% versus a gain of 4.9%. Neptune Insurance is the larger company by market cap ($3.90 billion vs $113.4 million), about 34.4 times the size. On valuation, XChange TEC.INC trades at a lower trailing P/E (0.0x vs 123.7x for Neptune Insurance).
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 | XHG |
|---|---|---|
| Share price | $28.45 | $2.20 |
| Market cap | $3.90B | $113.41M |
| 1-day change | +0.04% | -4.34% |
| YTD return | -2.47% | +169.95% |
| 1-year return | +4.94% | +76.92% |
| 5-year return | — | -100.00% |
| P/E ratio (TTM) | 123.70 | 0.02 |
| Forward P/E | 42.10 | — |
| EPS (TTM) | $0.23 | $92.93 |
| Dividend yield | 0.00% | 0.00% |
| Annual dividend | $0.00 | $0.00 |
| Revenue (latest FY) | $159.55M | — |
| Revenue growth (YoY) | +33.74% | — |
| Net income (latest FY) | $37.41M | — |
| Operating margin | 44.47% | — |
| Net margin | 23.45% | — |
| 52-week high | $35.15 | $7.23 |
| 52-week low | $14.78 | $0.65 |
| Distance from 52-week high | -19.06% | -69.57% |
| Analyst consensus | buy | — |
| Avg. price target upside | +20.60% | — |
| Average volume | 575.11K | 2.33M |
| Shares outstanding | 93.80M | 46.60M |
| Employees | 62 | 30 |
| 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
- Neptune Insurance is about 34.4 times larger than XChange TEC.INC by market value ($3.90B vs $113.41M).
- XHG has outperformed NP by 72.0 percentage points over the past year.
- Neptune Insurance trades at a higher earnings multiple (123.7x vs 0.0x trailing P/E).
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 XChange TEC.INC
XHG stock →XChange TEC.INC, together with its subsidiaries, engages in the insurance agency and insurance technology businesses primarily to individual end consumers in the People's Republic of China and Hong Kong. The company offers various insurance products underwritten by insurance companies, including industry state-owned property and casualty insurance companies, as well as certain regional property and casualty insurance companies.
Finance · Specialty Insurers · 30 employees
NP vs XHG FAQ
Which is bigger, Neptune Insurance or XChange TEC.INC?
Neptune Insurance (NP) is larger, with a market capitalization of $3.90B compared with $113.41M for XChange TEC.INC (XHG).
Which stock has performed better over the past year, NP or XHG?
XHG returned +76.92% 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, NP or XHG?
XHG has the lower trailing P/E at 0.0, versus 123.7 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.
Are Neptune Insurance and XChange TEC.INC in the same industry?
Yes. Both are classified in the Specialty Insurers industry within the Finance sector.