Which is better, NP or TOST?

On the Buffett-Fit framework, Neptune Insurance Holdings Inc. (NP) currently grades higher than TOST — 78/100 (C grade) vs 45/100 (D). 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; TOST wins on none. The full pillar breakdown is on this page.

Should I buy NP or TOST?

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

On the Buffett-style value-investing framework, NP currently grades higher — 78/100 vs 45/100, a 33-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 TOST 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); TOST scores 45/100 (D grade). The "Where each wins" section on this page breaks down which pillar each stock dominates.

Which has the stronger moat, NP or TOST?

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

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 TOST both Technology stocks?

Yes — both Neptune Insurance Holdings Inc. (NP) and Toast, Inc. (TOST) 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 TOST 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

Toast

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

TOST

Toast

Market cap

$13.43B

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	TOST	Winner
Warren Buffett	78C	45D	NP
Benjamin Graham	75B	60D	NP
Philip Fisher	94A	56C	NP
Peter Lynch	100A	52C	NP
Joel Greenblatt	89C	57C	NP
Charlie Munger	93C	38D	NP
Terry Smith	93A	43D	NP

Side-by-side metrics

Metric	NP	TOST
Market cap	$2.64B	$13.43B
P/E (TTM)	108.1x	33.1x
EV/EBIT	34.4x	40.7x
ROIC (TTM)	56.18%	17.58%
Gross margin	65.06%	26.23%
Net margin	28.17%	6.39%
Revenue CAGR 5y	37.11%	37.83%
EPS CAGR 5y	-	65.49%
Debt / Equity	-	0.0x
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 0.0x+101%
Net margin28.17%vs 6.39%+77%
ROIC (TTM)56.18%vs 17.58%+69%
Gross margin65.06%vs 26.23%+60%

TOST leads on

Market cap$13.43Bvs $2.64B+80%
P/E (TTM)33.1xvs 108.1x+69%

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

Neptune Insurance Holdings

Toast

Fit scores by strategy

Side-by-side metrics

Where each one wins

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Key terms in this analysis