Stock comparison
Affirm Holdings
Neptune Insurance Holdings
Scored across Buffett, Graham, Lynch and Greenblatt - plus a side-by-side metric table covering valuation, quality, growth and balance sheet.
AFRM
Affirm Holdings
Market cap
$21.84B
Sector
Technology
NP
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 | AFRM | NP | Winner |
|---|---|---|---|
| Warren Buffett | 45D | 78C | NP |
| Benjamin Graham | 76D | 75B | AFRM |
| Philip Fisher | 64C | 94A | NP |
| Peter Lynch | 67C | 100A | NP |
| Joel Greenblatt | 15F | 89C | NP |
| Charlie Munger | 57D | 93C | NP |
| Terry Smith | 47D | 93A | NP |
Side-by-side metrics
| Metric | AFRM | NP |
|---|---|---|
| Market cap | $21.84B | $2.64B |
| P/E (TTM) | 58.0x | 108.1x |
| EV/EBIT | - | 34.4x |
| ROIC (TTM) | 10.85% | 56.18% |
| Gross margin | 67.71% | 65.06% |
| Net margin | 9.63% | 28.17% |
| Revenue CAGR 5y | 38.73% | 37.11% |
| EPS CAGR 5y | 1.0% | - |
| Debt / Equity | 2.4x | - |
| 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.
AFRM leads on
- EV/EBIT-vs 34.4x+111%
- Market cap$21.84Bvs $2.64B+88%
- P/E (TTM)58.0xvs 108.1x+46%
NP leads on
- Debt / Equity-vs 2.4x+145%
- ROIC (TTM)56.18%vs 10.85%+81%
- Net margin28.17%vs 9.63%+66%
Related on invest-like
Key terms in this analysis
Educational tool. Fit scores are deterministic projections from public financials onto each investor's published criteria - not personal recommendations or advice.