Which is better, FORTY or NP?

On the Buffett-Fit framework, Neptune Insurance Holdings Inc. (NP) currently grades higher than FORTY — 78/100 (C grade) vs 34/100 (F). That said, "better" depends on which framework you trust — FORTY wins on none; NP wins on Warren Buffett, Benjamin Graham, Philip Fisher, Peter Lynch, Joel Greenblatt, Charlie Munger, and Terry Smith. The full pillar breakdown is on this page.

Should I buy FORTY or NP?

This page is an educational comparison, not investment advice. Both FORTY and NP are graded against the same Buffett 5-pillar framework (moat, earnings durability, management quality, financial health, valuation) plus six other documented investor frameworks. Read the side-by-side breakdown to see which one matches the criteria you care about most — and always do your own research before making any investment decision.

Is FORTY better than NP for value investing?

On the Buffett-style value-investing framework, NP currently grades higher — 78/100 vs 34/100, a 44-point gap. The gap is driven by which pillars each stock passes; the table on this page shows moat, durability, management, financial health, and valuation side-by-side.

What's the difference between FORTY and NP on Warren Buffett's framework?

Both stocks are evaluated on the same five pillars: economic moat (durable competitive advantage), earnings durability (consistent profitability), management quality (capital allocation), financial health (conservative balance sheet), and valuation (margin of safety). FORTY currently scores 34/100 (F grade); NP scores 78/100 (C grade). The "Where each wins" section on this page breaks down which pillar each stock dominates.

Which has the stronger moat, FORTY or NP?

Moat strength is one of the five pillars in the Buffett-Fit score on this page. FORTY and NP are each scored on ROIC sustainability, gross-margin durability, and qualitative signals like brand strength, switching costs, network effects, and regulatory barriers. The pillar breakdown on this page shows the moat sub-score side-by-side so you can see which one has the more durable competitive advantage.

Which is more undervalued, FORTY or NP?

Valuation is one of the five Buffett-Fit pillars on this page. Both stocks are scored on owner-earnings yield, price-to-intrinsic-value vs the underlying compounding rate, and the margin of safety relative to a conservative DCF. The valuation sub-score in the table below tells you which one currently trades at a more attractive price relative to its underlying business quality.

Are FORTY and NP both Technology stocks?

Yes — both Formula Systems (1985) Ltd. (FORTY) and Neptune Insurance Holdings Inc. (NP) operate in the Technology sector. That makes this a direct sector-peer comparison, which is the apples-to-apples way to use the Buffett-Fit framework: the score weighs each stock against its sector's specific quality and valuation benchmarks (sector-relative bonus), so the cross-stock comparison isn't distorted by inter-sector base-rate differences.

Is this FORTY vs NP comparison investment advice?

No. This page is an educational pattern-match against documented public frameworks (Buffett, Graham, Fisher, Lynch, Greenblatt, Munger, Smith), not personalised investment advice. The scores reflect how closely each stock matches each framework's documented criteria — they are not buy/hold/sell recommendations. Always do your own research and consult a licensed financial adviser for personalised advice.

Stock comparison

Formula Systems (1985)

Neptune Insurance Holdings

Scored across Buffett, Graham, Lynch and Greenblatt - plus a side-by-side metric table covering valuation, quality, growth and balance sheet.

FORTY

Market cap

$2.13B

Sector

Technology

Neptune Insurance Holdings

Market cap

$2.64B

Sector

Technology

Overall winner

Neptune Insurance Holdings NP

Wins on the combined sum of fit scores across all four strategies. Per-strategy breakdown below.

Fit scores by strategy

Strategy	FORTY	NP	Winner
Warren Buffett	34F	78C	NP
Benjamin Graham	42D	75B	NP
Philip Fisher

Side-by-side metrics

Metric	FORTY	NP
Market cap	$2.13B	$2.64B
P/E (TTM)	3.5x	108.1x
EV/EBIT	8.0x	34.4x
ROIC (TTM)	6.54%	56.18%
Gross margin	22.1%	65.06%
Net margin	21.18%	28.17%
Revenue CAGR 5y	2.43%

Where each one wins

The metrics with the biggest gap between the two - sorted so the most decisive edges read first.

FORTY leads on

Dividend yield1.17%vs 0.0%+100%
P/E (TTM)3.5xvs 108.1x+97%
EV/EBIT8.0xvs 34.4x+77%

NP leads on

More like FORTY

FORTY vs FICO FORTY vs FTNT FORTY vs ADSK FORTY vs KLAC FORTY vs CDNS FORTY vs APP

More like NP

NP vs FICO

Related on invest-like

Strongest Moat Highest ROIC Warren Buffett strategy Economic Moat

Educational tool. Fit scores are deterministic projections from public financials onto each investor's published criteria - not personal recommendations or advice.