Which is better, NP or PTC?

On the Buffett-Fit framework, Neptune Insurance Holdings Inc. (NP) currently grades higher than PTC — 78/100 (C grade) vs 62/100 (C). That said, "better" depends on which framework you trust — NP wins on Warren Buffett, Benjamin Graham, Philip Fisher, Peter Lynch, Joel Greenblatt, Charlie Munger, and Terry Smith; PTC wins on none. The full pillar breakdown is on this page.

Should I buy NP or PTC?

This page is an educational comparison, not investment advice. Both NP and PTC 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 NP better than PTC for value investing?

On the Buffett-style value-investing framework, NP currently grades higher — 78/100 vs 62/100, a 16-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 NP and PTC 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). NP currently scores 78/100 (C grade); PTC scores 62/100 (C grade). The "Where each wins" section on this page breaks down which pillar each stock dominates.

Which has the stronger moat, NP or PTC?

Moat strength is one of the five pillars in the Buffett-Fit score on this page. NP and PTC 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, NP or PTC?

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 NP and PTC both Technology stocks?

Yes — both Neptune Insurance Holdings Inc. (NP) and PTC Inc. (PTC) 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 NP vs PTC 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

Neptune Insurance Holdings

PTC

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

Market cap

$2.64B

Sector

Technology

PTC

Market cap

$17.12B

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	NP	PTC	Winner
Warren Buffett	78C	62C	NP
Benjamin Graham	75B	60C	NP
Philip Fisher	94A	62C	NP
Peter Lynch	100A	47D	NP
Joel Greenblatt	89C	52C	NP
Charlie Munger	93C	61C	NP
Terry Smith	93A	63C	NP

Side-by-side metrics

Metric	NP	PTC
Market cap	$2.64B	$17.12B
P/E (TTM)	108.1x	13.5x
EV/EBIT	34.4x	17.6x
ROIC (TTM)	56.18%	20.61%
Gross margin	65.06%	84.31%
Net margin	28.17%	41.58%
Revenue CAGR 5y	37.11%	10.96%
EPS CAGR 5y	-	10.67%
Debt / Equity	-	0.4x
Dividend yield	0.0%	0.0%

Where each one wins

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

NP leads on

Debt / Equity-vs 0.4x+133%
Revenue CAGR 5y37.11%vs 10.96%+70%
ROIC (TTM)56.18%vs 20.61%+63%

PTC leads on

P/E (TTM)13.5xvs 108.1x+88%
Market cap$17.12Bvs $2.64B+85%
EV/EBIT17.6xvs 34.4x+49%
Net margin41.58%vs 28.17%+32%

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

Neptune Insurance Holdings

PTC

Fit scores by strategy

Side-by-side metrics

Where each one wins

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Key terms in this analysis