NP vs HCI

For growth investors, Neptune Insurance Holdings Inc.

(NP) is the stronger pick with 33. 7% revenue growth year-over-year, versus 20. 2% for HCI Group, Inc. (HCI). HCI Group, Inc. (HCI) offers the better valuation at 6. 1x trailing P/E (9. 2x forward), making it the more compelling value choice. Analysts rate Neptune Insurance Holdings Inc. (NP) a "Buy" — based on 12 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.

On forward P/E, HCI Group, Inc.

is actually cheaper at 9. 2x.

Over the past 5 years, HCI Group, Inc.

(HCI) delivered a total return of +105. 3%, compared to +32. 4% for Neptune Insurance Holdings Inc. (NP). Over 10 years, the gap is even starker: HCI returned +436. 8% versus NP's +68. 9%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.

By beta (market sensitivity over 5 years), HCI Group, Inc.

(HCI) is the lower-risk stock at 0. 39β versus Neptune Insurance Holdings Inc. 's 0. 96β — meaning NP is approximately 147% more volatile than HCI relative to the S&P 500.

By revenue growth (latest reported year), Neptune Insurance Holdings Inc.

(NP) is pulling ahead at 33. 7% versus 20. 2% for HCI Group, Inc. (HCI). On earnings-per-share growth, the picture is similar: HCI Group, Inc. grew EPS 179. 8% year-over-year, compared to -112. 7% for Neptune Insurance Holdings Inc.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.

HCI Group, Inc.

(HCI) is the more profitable company, earning 33. 2% net margin versus 23. 4% for Neptune Insurance Holdings Inc. — meaning it keeps 33. 2% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: NP leads at 50. 1% versus 47. 7% for HCI. At the gross margin level — before operating expenses — HCI leads at 73. 2%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.

On forward earnings alone, HCI Group, Inc.

(HCI) trades at 9. 2x forward P/E versus 57. 3x for Neptune Insurance Holdings Inc. — 48. 1x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for NP: -10. 4% to $27. 31.

All stocks in this comparison pay dividends.

Neptune Insurance Holdings Inc. (NP) offers the highest yield at 4. 2%, versus 1. 0% for HCI Group, Inc. (HCI).

For long-horizon retirement investors, HCI Group, Inc.

(HCI) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 39), 1. 0% yield, +436. 8% 10Y return). Both have compounded well over 10 years (HCI: +436. 8%, NP: +68. 9%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.

These companies operate in different sectors (NP (Technology) and HCI (Financial Services)), which means they face different economic cycles, regulatory environments, and macro sensitivities — making direct comparison nuanced.

These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.