Is NP or RDZN more undervalued in 2026?

CirclFi compares Neptune Insurance Holdings Inc. (NP) and Roadzen, Inc. (RDZN) using 13 institutional-grade valuation models. NP has a Quality of Company score of 6.6/10 while RDZN scores 4.2/10.

Which is a better buy — NP or RDZN?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do NP and RDZN valuations compare?

NP at $28.07 and RDZN at $1.88 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

NP vs RDZN Valuation Comparison 2026 — Intrinsic Value Analysis

NP

Insurance Agents, Brokers & Service

Neptune Insurance Holdings Inc.

Quality

6.6

out of 10

Value Trap

—

Price

$28.07

Last close

Models

12/13

Active

RDZN

Insurance Agents, Brokers & Service

Roadzen, Inc.

Quality

4.2

out of 10

Value Trap

LOW

Price

$1.88

Last close

Models

7/13

Active

Model-by-Model Comparison

Model	Type	NP Fair Value	NP Upside	RDZN Fair Value	RDZN Upside
Bayesian DCF	Intrinsic	$1.83	-93.5%	$0.33	-82.6%
Earnings Power Value	Intrinsic	$0.43	-98.5%	—	—
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$23.77	-15.3%	$2.22	+18.1%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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NP vs RDZN — Which Stock Is More Undervalued?

NP scores higher with a 6.6/10 quality rating vs RDZN's 4.2/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Neptune Insurance Holdings Inc. (NP) and Roadzen, Inc. (RDZN) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

NP currently trades at $28.07 with a QOC of 6.6/10, while RDZN trades at $1.88 with a QOC of 4.2/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).