COMP <GO>
LIFE vs NP // PIOTROSKI F-SCORE QUALITY
Ethos Technologies Inc. (Class A) (NASDAQ) VS. Neptune Insurance Holdings Inc. (Class A) (NYSE) • 15-METRIC TALLY: LIFE 5
— NP 5
▲ PIOTROSKI F-SCORE QUALITY LEADER: NP
LAST: $43.62 (+1.85%) • MKT CAP: $2.83B
piotroski-score
6/9
LAST: $28.81 (-2.27%) • MKT CAP: $3.98B
piotroski-score
7/9
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (LIFE VS. NP)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | LIFE | NP | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 40.60% | 28.20% | +12.40 | LIFE | /roic <GO> |
| EV/EBITDA & P/E Valuation | 37.0x | 56.0x | -19.00 | LIFE | /valuation <GO> |
| Free Cash Flow Yield | 1.23% | 1.30% | -0.07 | NP | /fcf-yield <GO> |
| Operating Margin | 18.80% | 44.50% | -25.70 | NP | /operating-margins <GO> |
| Net Profit Margin | 18.40% | 23.40% | -5.00 | NP | /net-margins <GO> |
| Revenue Growth (YoY) | 52.00% | 33.70% | +18.30 | LIFE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 0.00% | 0.00 | TIE | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality ACTIVE | 6/9 | 7/9 | -1.00 | NP | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 65.1 | 51.4 | +13.74 | LIFE | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 33.4x | 89.4x | -56.00 | LIFE | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $2.83B | $3.98B | -$1.15B | NP | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | LIFE REV | NP REV | LIFE GROSS % | NP GROSS % | LIFE FCF | NP FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $387.6M | $159.6M | — | — | $34.7M | $51.7M |
| FY 2024 | $254.9M | $119.3M | — | — | -$11.7M | $49.9M |
| FY 2023 | — | $84.9M | — | — | — | $18.6M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
LIFE // BETA —
NP // BETA —