Comprehensive Stock Comparison
Compare Neptune Insurance Holdings Inc. (NP) vs Intuit Inc. (INTU) Stock
Analyze side-by-side fundamentals, valuation, growth, and profitability to decide which stock is the better buy.
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Quick Verdict
| Category | Winner | Why |
|---|---|---|
| Growth | NP | 40.6% revenue growth vs INTU's 15.6% |
| Value | INTU | Lower P/E (17.6x vs 40.3x) |
| Quality / Margins | NP | 29.0% net margin vs INTU's 21.6% |
| Stability / Safety | INTU | Beta 0.93 vs NP's 1.04 |
| Dividends | INTU | 1.0% yield; 14-year raise streak; NP pays no meaningful dividend |
| Momentum (1Y) | NP | -16.0% vs INTU's -32.6% |
| Efficiency (ROA) | NP | 77.0% ROA vs INTU's 12.7% |
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.
Intuit is a financial technology company that provides software and services for small businesses, self-employed individuals, and consumers to manage their finances and taxes. It generates revenue primarily through subscription software—QuickBooks for small businesses (~60% of revenue) and TurboTax for consumer tax preparation (~30%)—plus payment processing and credit services. Its competitive moat comes from deep integration across its ecosystem—linking accounting, payroll, payments, and tax filing—which creates high switching costs for its millions of small business and individual customers.
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
INTU leads in 3 of 6 categories (Valuation Metrics, Total Returns). NP leads in 2 (Financial Metrics, Profitability & Efficiency). 1 tied.
Financial Metrics (TTM)
INTU is the larger business by revenue, generating $20.1B annually — 168.7x NP's $119M. NP is the more profitable business, keeping 29.0% of every revenue dollar as net income compared to INTU's 21.6%.
| Metric | NPNeptune Insurance… | INTUIntuit Inc. |
|---|---|---|
| RevenueTrailing 12 months | $119M | $20.1B |
| EBITDAEarnings before interest/tax | — | $5.9B |
| Net IncomeAfter-tax profit | — | $4.3B |
| Free Cash FlowCash after capex | — | $6.8B |
| Gross MarginGross profit ÷ Revenue | +66.4% | +81.2% |
| Operating MarginEBIT ÷ Revenue | +57.4% | +27.1% |
| Net MarginNet income ÷ Revenue | +29.0% | +21.6% |
| FCF MarginFCF ÷ Revenue | +38.7% | +34.0% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | +17.4% |
| EPS Growth (YoY)Latest quarter vs prior year | — | +47.9% |
Valuation Metrics
At 13.2x trailing earnings, NP trades at a 56% valuation discount to INTU's 29.9x P/E. On an enterprise value basis, NP's 14.4x EV/EBITDA is more attractive than INTU's 20.6x.
| Metric | NPNeptune Insurance… | INTUIntuit Inc. |
|---|---|---|
| Market CapShares × price | $904M | $114.2B |
| Enterprise ValueMkt cap + debt − cash | $1.0B | $117.9B |
| Trailing P/EPrice ÷ TTM EPS | 13.18x | 29.92x |
| Forward P/EPrice ÷ next-FY EPS est. | 40.33x | 17.64x |
| PEG RatioP/E ÷ EPS growth rate | — | 2.05x |
| EV / EBITDAEnterprise value multiple | 14.42x | 20.57x |
| Price / SalesMarket cap ÷ Revenue | 7.58x | 6.06x |
| Price / BookPrice ÷ Book value/share | — | 5.87x |
| Price / FCFMarket cap ÷ FCF | 19.57x | 18.77x |
Profitability & Efficiency
On the Piotroski fundamental quality scale (0–9), INTU scores 9/9 vs NP's 8/9, reflecting strong financial health.
| Metric | NPNeptune Insurance… | INTUIntuit Inc. |
|---|---|---|
| ROE (TTM)Return on equity | — | +22.8% |
| ROA (TTM)Return on assets | +77.0% | +12.7% |
| ROICReturn on invested capital | — | +16.5% |
| ROCEReturn on capital employed | +11.3% | +19.2% |
| Piotroski ScoreFundamental quality 0–9 | 8 | 9 |
| Debt / EquityFinancial leverage | — | 0.34x |
| Net DebtTotal debt minus cash | $127M | $3.8B |
| Cash & Equiv.Liquid assets | $7M | $2.9B |
| Total DebtShort + long-term debt | $134M | $6.6B |
| Interest CoverageEBIT ÷ Interest expense | 3.91x | 428.27x |
Total Returns (with DRIP)
A $10,000 investment in INTU five years ago would be worth $10,487 today (with dividends reinvested), compared to $9,349 for NP. Over the past 12 months, NP leads with a -16.0% total return vs INTU's -32.6%. The 3-year compound annual growth rate (CAGR) favors INTU at 1.1% vs NP's -5.7% — a key indicator of consistent wealth creation.
| Metric | NPNeptune Insurance… | INTUIntuit Inc. |
|---|---|---|
| YTD ReturnYear-to-date | -25.1% | -34.8% |
| 1-Year ReturnPast 12 months | -16.0% | -32.6% |
| 3-Year ReturnCumulative with dividends | -16.0% | +3.3% |
| 5-Year ReturnCumulative with dividends | -6.5% | +4.9% |
| 10-Year ReturnCumulative with dividends | +30.0% | +350.0% |
| CAGR (3Y)Annualised 3-year return | -5.7% | +1.1% |
Risk & Volatility
INTU is the less volatile stock with a 0.93 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 INTU's 50.3% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | NPNeptune Insurance… | INTUIntuit Inc. |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.04x | 0.93x |
| 52-Week HighHighest price in past year | $33.23 | $813.70 |
| 52-Week LowLowest price in past year | $14.78 | $349.00 |
| % of 52W HighCurrent price vs 52-week peak | +62.7% | +50.3% |
| RSI (14)Momentum oscillator 0–100 | 45.5 | 33.1 |
| Avg Volume (50D)Average daily shares traded | 340K | 2.7M |
Analyst Outlook
Wall Street rates NP as "Buy" and INTU as "Buy". Consensus price targets imply 78.0% upside for INTU (target: $728) vs 30.6% for NP (target: $27). INTU is the only dividend payer here at 1.03% yield — a key consideration for income-focused portfolios.
| Metric | NPNeptune Insurance… | INTUIntuit Inc. |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | $27.19 | $728.11 |
| # AnalystsCovering analysts | 12 | 42 |
| Dividend YieldAnnual dividend ÷ price | — | +1.0% |
| Dividend StreakConsecutive years of raises | 1 | 14 |
| Dividend / ShareAnnual DPS | — | $4.20 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | +2.4% |
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% |
| Intuit Inc. (INTU) | $4.7B | $18.8B | +301.2% |
Intuit Inc.'s revenue grew from $4.7B (2016) to $18.8B (2025) — a 16.7% CAGR.
Chart 2Net Margin Trend — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| Neptune Insurance H… (NP) | 21.1% | 29.0% | +37.6% |
| Intuit Inc. (INTU) | 20.9% | 20.5% | -1.5% |
Intuit Inc.'s net margin went from 21% (2016) to 21% (2025).
Chart 3P/E Ratio History — 9 Years
| Stock | 2017 | 2025 | Change |
|---|---|---|---|
| Intuit Inc. (INTU) | 42.4 | 48.5 | +14.4% |
Intuit Inc. has traded in a 39x–85x P/E range over 9 years; current trailing P/E is ~30x.
Chart 4EPS Growth — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| Neptune Insurance H… (NP) | 1.04 | 1.58 | +51.9% |
| Intuit Inc. (INTU) | 3.04 | 13.67 | +349.7% |
Intuit Inc.'s EPS grew from $3.04 (2016) to $13.67 (2025) — a 18% CAGR.
Chart 5Free Cash Flow — 5 Years
Neptune Insurance Holdings Inc. generated $46M FCF in 2024 (+216% vs 2023). Intuit Inc. generated $6B FCF in 2025 (+95% vs 2021).
NP vs INTU: Frequently Asked Questions
9 questions · data-driven answers · updated daily
01Is NP or INTU 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 INTU?
On trailing P/E, Neptune Insurance Holdings Inc. (NP) is the cheapest at 13.2x versus Intuit Inc. at 29.9x. On forward P/E, Intuit Inc. is actually cheaper at 17.6x — notably different from the trailing picture, reflecting expected earnings growth.
03Which is the better long-term investment — NP or INTU?
Over the past 5 years, Intuit Inc. (INTU) delivered a total return of +4.9%, compared to -6.5% for Neptune Insurance Holdings Inc. (NP). A $10,000 investment in INTU five years ago would be worth approximately $10K today (assuming dividends reinvested). Over 10 years, the gap is even starker: INTU returned +350.0% 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 INTU?
By beta (market sensitivity over 5 years), Intuit Inc. (INTU) is the lower-risk stock at 0.93β versus Neptune Insurance Holdings Inc.'s 1.04β — meaning NP is approximately 13% more volatile than INTU relative to the S&P 500.
05Which has better profit margins — NP or INTU?
Neptune Insurance Holdings Inc. (NP) is the more profitable company, earning 29.0% net margin versus 20.5% for Intuit 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 26.1% for INTU. At the gross margin level — before operating expenses — INTU leads at 80.8%, 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 INTU more undervalued right now?
On forward earnings alone, Intuit Inc. (INTU) trades at 17.6x forward P/E versus 40.3x for Neptune Insurance Holdings Inc. — 22.7x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for INTU: 78.0% to $728.11.
07Which pays a better dividend — NP or INTU?
In this comparison, INTU (1.0% yield) pays a dividend. NP does not pay a meaningful dividend and should not be held primarily for income.
08Is NP or INTU better for a retirement portfolio?
For long-horizon retirement investors, Intuit Inc. (INTU) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.93), 1.0% yield, +350.0% 10Y return). Both have compounded well over 10 years (INTU: +350.0%, 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 INTU?
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; INTU is a mid-cap quality compounder stock. INTU pays a dividend while NP does not, making them suitable for different income and tax situations. 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.
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