Comprehensive Stock Comparison
Compare Neptune Insurance Holdings Inc. (NP) vs Guidewire Software, Inc. (GWRE) Stock
Analyze side-by-side fundamentals, valuation, growth, and profitability to decide which stock is the better buy.
Selected Stocks
Add up to 10 tickers. Use presets or search to get started.
Quick Verdict
| Category | Winner | Why |
|---|---|---|
| Growth | NP | 40.6% revenue growth vs GWRE's 22.6% |
| Value | NP | Lower P/E (40.3x vs 49.3x) |
| Quality / Margins | NP | 29.0% net margin vs GWRE's 7.2% |
| Stability / Safety | GWRE | Beta 0.88 vs NP's 1.04 |
| Dividends | Tie | Neither pays a meaningful dividend |
| Momentum (1Y) | NP | -16.0% vs GWRE's -27.8% |
| Efficiency (ROA) | NP | 77.0% ROA vs GWRE's 3.5% |
Who Each Stock Is For
Income & stability
Growth exposure
Long-term compounding (10Y)
Sleep-well-at-night portfolio
Defensive / Recession hedge
Business Model
What each company does and how it makes money
Neptune Insurance Holdings is a data-driven managing general agent that uses AI platforms to underwrite and distribute flood and parametric earthquake insurance. It earns revenue primarily through commissions on policies sold — roughly 80% from flood insurance and 20% from parametric earthquake coverage — without taking balance sheet risk itself. The company's competitive advantage lies in its proprietary AI underwriting engine and machine learning models that enable more accurate risk assessment than traditional methods.
Guidewire Software is a provider of core software systems for property and casualty insurers worldwide. It generates revenue primarily through software licenses, cloud subscriptions, and implementation services — with its InsuranceSuite platform being the main offering. The company's moat comes from deep industry-specific expertise, high switching costs for insurers, and a comprehensive product ecosystem that creates vendor lock-in.
Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Financial Metrics Comparison
Side-by-side fundamentals across 2 stocks. BestLagging
Financial Scorecard
NP leads in 3 of 6 categories (Financial Metrics, Valuation Metrics). GWRE leads in 1 (Total Returns). 1 tied.
Financial Metrics (TTM)
GWRE is the larger business by revenue, generating $1.3B annually — 10.7x NP's $119M. NP is the more profitable business, keeping 29.0% of every revenue dollar as net income compared to GWRE's 7.2%.
| Metric | NPNeptune Insurance… | GWREGuidewire Softwar… |
|---|---|---|
| RevenueTrailing 12 months | $119M | $1.3B |
| EBITDAEarnings before interest/tax | — | $89M |
| Net IncomeAfter-tax profit | — | $92M |
| Free Cash FlowCash after capex | — | $286M |
| Gross MarginGross profit ÷ Revenue | +66.4% | +63.1% |
| Operating MarginEBIT ÷ Revenue | +57.4% | +5.1% |
| Net MarginNet income ÷ Revenue | +29.0% | +7.2% |
| FCF MarginFCF ÷ Revenue | +38.7% | +22.5% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | +26.5% |
| EPS Growth (YoY)Latest quarter vs prior year | — | +2.3% |
Valuation Metrics
At 13.2x trailing earnings, NP trades at a 93% valuation discount to GWRE's 179.4x P/E. On an enterprise value basis, NP's 14.4x EV/EBITDA is more attractive than GWRE's 189.7x.
| Metric | NPNeptune Insurance… | GWREGuidewire Softwar… |
|---|---|---|
| Market CapShares × price | $904M | $12.3B |
| Enterprise ValueMkt cap + debt − cash | $1.0B | $12.3B |
| Trailing P/EPrice ÷ TTM EPS | 13.18x | 179.41x |
| Forward P/EPrice ÷ next-FY EPS est. | 40.33x | 49.27x |
| PEG RatioP/E ÷ EPS growth rate | — | — |
| EV / EBITDAEnterprise value multiple | 14.42x | 189.75x |
| Price / SalesMarket cap ÷ Revenue | 7.58x | 10.22x |
| Price / BookPrice ÷ Book value/share | — | 8.57x |
| Price / FCFMarket cap ÷ FCF | 19.57x | 41.62x |
Profitability & Efficiency
On the Piotroski fundamental quality scale (0–9), NP scores 8/9 vs GWRE's 7/9, reflecting strong financial health.
| Metric | NPNeptune Insurance… | GWREGuidewire Softwar… |
|---|---|---|
| ROE (TTM)Return on equity | — | +6.0% |
| ROA (TTM)Return on assets | +77.0% | +3.5% |
| ROICReturn on invested capital | — | +2.3% |
| ROCEReturn on capital employed | +11.3% | +2.3% |
| Piotroski ScoreFundamental quality 0–9 | 8 | 7 |
| Debt / EquityFinancial leverage | — | 0.49x |
| Net DebtTotal debt minus cash | $127M | $17M |
| Cash & Equiv.Liquid assets | $7M | $699M |
| Total DebtShort + long-term debt | $134M | $716M |
| Interest CoverageEBIT ÷ Interest expense | 3.91x | 5.92x |
Total Returns (with DRIP)
A $10,000 investment in GWRE five years ago would be worth $12,565 today (with dividends reinvested), compared to $9,349 for NP. Over the past 12 months, NP leads with a -16.0% total return vs GWRE's -27.8%. The 3-year compound annual growth rate (CAGR) favors GWRE at 27.4% vs NP's -5.7% — a key indicator of consistent wealth creation.
| Metric | NPNeptune Insurance… | GWREGuidewire Softwar… |
|---|---|---|
| YTD ReturnYear-to-date | -25.1% | -22.5% |
| 1-Year ReturnPast 12 months | -16.0% | -27.8% |
| 3-Year ReturnCumulative with dividends | -16.0% | +107.0% |
| 5-Year ReturnCumulative with dividends | -6.5% | +25.7% |
| 10-Year ReturnCumulative with dividends | +30.0% | +195.2% |
| CAGR (3Y)Annualised 3-year return | -5.7% | +27.4% |
Risk & Volatility
GWRE is the less volatile stock with a 0.88 beta — it tends to amplify market swings less than NP's 1.04 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. NP currently trades 62.7% from its 52-week high vs GWRE's 53.3% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | NPNeptune Insurance… | GWREGuidewire Softwar… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.04x | 0.88x |
| 52-Week HighHighest price in past year | $33.23 | $272.60 |
| 52-Week LowLowest price in past year | $14.78 | $120.75 |
| % of 52W HighCurrent price vs 52-week peak | +62.7% | +53.3% |
| RSI (14)Momentum oscillator 0–100 | 45.5 | 52.5 |
| Avg Volume (50D)Average daily shares traded | 340K | 1.3M |
Analyst Outlook
Wall Street rates NP as "Buy" and GWRE as "Buy". Consensus price targets imply 74.4% upside for GWRE (target: $254) vs 30.6% for NP (target: $27).
| Metric | NPNeptune Insurance… | GWREGuidewire Softwar… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | $27.19 | $253.50 |
| # AnalystsCovering analysts | 12 | 26 |
| Dividend YieldAnnual dividend ÷ price | — | — |
| Dividend StreakConsecutive years of raises | 1 | — |
| Dividend / ShareAnnual DPS | — | — |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | 0.0% |
Historical Charts
Charts are rendered on first load. Hover for details.
Chart 1Revenue Growth — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| Neptune Insurance H… (NP) | $85M | $119M | +40.6% |
| Guidewire Software,… (GWRE) | $424M | $1.2B | +183.3% |
Guidewire Software, Inc.'s revenue grew from $424M (2016) to $1.2B (2025) — a 12.3% CAGR.
Chart 2Net Margin Trend — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| Neptune Insurance H… (NP) | 21.1% | 29.0% | +37.6% |
| Guidewire Software,… (GWRE) | 3.5% | 5.8% | +64.5% |
Guidewire Software, Inc.'s net margin went from 4% (2016) to 6% (2025).
Chart 3P/E Ratio History — 3 Years
| Stock | 2017 | 2025 | Change |
|---|---|---|---|
| Guidewire Software,… (GWRE) | 309.4 | 248.2 | -19.8% |
Guidewire Software, Inc. has traded in a 248x–439x P/E range over 3 years; current trailing P/E is ~179x.
Chart 4EPS Growth — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| Neptune Insurance H… (NP) | 1.04 | 1.58 | +51.9% |
| Guidewire Software,… (GWRE) | 0.2 | 0.81 | +305.0% |
Guidewire Software, Inc.'s EPS grew from $0.20 (2016) to $0.81 (2025) — a 17% CAGR.
Chart 5Free Cash Flow — 5 Years
Neptune Insurance Holdings Inc. generated $46M FCF in 2024 (+216% vs 2023). Guidewire Software, Inc. generated $295M FCF in 2025 (+257% vs 2021).
NP vs GWRE: Frequently Asked Questions
9 questions · data-driven answers · updated daily
01Is NP or GWRE a better buy right now?
Neptune Insurance Holdings Inc. (NP) offers the better valuation at 13.2x trailing P/E (40.3x 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.
02Which has the better valuation — NP or GWRE?
On trailing P/E, Neptune Insurance Holdings Inc. (NP) is the cheapest at 13.2x versus Guidewire Software, Inc. at 179.4x. On forward P/E, Neptune Insurance Holdings Inc. is actually cheaper at 40.3x.
03Which is the better long-term investment — NP or GWRE?
Over the past 5 years, Guidewire Software, Inc. (GWRE) delivered a total return of +25.7%, compared to -6.5% for Neptune Insurance Holdings Inc. (NP). A $10,000 investment in GWRE five years ago would be worth approximately $13K today (assuming dividends reinvested). Over 10 years, the gap is even starker: GWRE returned +195.2% versus NP's +30.0%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — NP or GWRE?
By beta (market sensitivity over 5 years), Guidewire Software, Inc. (GWRE) is the lower-risk stock at 0.88β versus Neptune Insurance Holdings Inc.'s 1.04β — meaning NP is approximately 18% more volatile than GWRE relative to the S&P 500.
05Which has better profit margins — NP or GWRE?
Neptune Insurance Holdings Inc. (NP) is the more profitable company, earning 29.0% net margin versus 5.8% for Guidewire Software, Inc. — meaning it keeps 29.0% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: NP leads at 57.4% versus 3.4% for GWRE. At the gross margin level — before operating expenses — NP leads at 66.4%, 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.
06Is NP or GWRE more undervalued right now?
On forward earnings alone, Neptune Insurance Holdings Inc. (NP) trades at 40.3x forward P/E versus 49.3x for Guidewire Software, Inc. — 8.9x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for GWRE: 74.4% to $253.50.
07Which pays a better dividend — NP or GWRE?
None of the stocks in this comparison currently pay a material dividend. All are effectively zero-yield and should be held for capital appreciation rather than income.
08Is NP or GWRE better for a retirement portfolio?
For long-horizon retirement investors, Guidewire Software, Inc. (GWRE) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.88), +195.2% 10Y return). Both have compounded well over 10 years (GWRE: +195.2%, NP: +30.0%), 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.
09What are the main differences between NP and GWRE?
Both stocks operate in the Technology sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both. In terms of investment character: NP is a small-cap deep-value stock; GWRE is a mid-cap quality compounder stock. 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.
Find Stocks Like These
Explore pre-built screens for each stock's profile, or build a custom screen to find stocks that beat both.