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Neptune Insurance Holdings Inc. (NP) vs TWFG, Inc. (TWFG)

Neptune Insurance Holdings Inc. and TWFG, Inc. are both Insurance Brokers companies. Neptune Insurance Holdings Inc. is the larger, with a market value of $3.9B against $1.6B — 2.5× the size. TWFG, Inc. trades at the lower P/E: 51.3× against 86.7×. TWFG, Inc. grew revenue faster over the last twelve months: 35.0% against 31.7%. Neptune Insurance Holdings Inc. has the higher net margin (22.7% vs 2.66%) and the lower return on invested capital (0.00% vs 19.6%). Across the 16 metrics below, TWFG, Inc. leads on 9 and Neptune Insurance Holdings Inc. on 7.

Valuation

Metric NP TWFG Insurance Brokers median
P/E 86.72 51.28 22.14
P/S 19.34 1.21 2.91
P/B n/m 1.41 3.02
Price to free cash flow 48.99 n/m 22.32
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 1.15% 1.95% 3.41%
Free cash flow yield 2.04% (2.17%) 3.09%

Profitability

Metric NP TWFG Insurance Brokers median
Gross margin 100.00% 50.30% 49.54%
Operating margin 41.27% 17.33% 15.76%
Net margin 22.70% 2.66% 8.19%
Free cash flow margin 39.47% (2.63%) 3.58%
Return on equity (12.40%) 2.99% 2.99%
Return on assets 46.20% 2.33% 2.33%
Return on invested capital 0.00% 19.57% 5.64%

Growth

Metric NP TWFG Insurance Brokers median
Revenue growth (TTM) 31.68% 35.01% 9.77%
EPS growth (last fiscal year) (262.50%) 168.42% (8.67%)
Revenue growth, 5-year CAGR — — 9.30%
Net income growth, 5-year CAGR — — 0.00%

Health

Metric NP TWFG Insurance Brokers median
Debt to equity (1.02) 0.00 0.49
Current ratio 1.60 76.79 1.54
Net debt to EBITDA 2.65 (2.96) 1.20

Dividend

Metric NP TWFG Insurance Brokers median
Dividend yield — — 1.01%
Payout ratio — — 0.33

Size

Metric NP TWFG Insurance Brokers median
Market cap 3.86b 1.57b 2.41b

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