WallStSmart

Berkshire Hathaway Inc (BRK-A)vsNMI Holdings Inc (NMIH)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Berkshire Hathaway Inc generates 52480% more annual revenue ($371.44B vs $706.44M). NMIH leads profitability with a 55.0% profit margin vs 18.0%. NMIH appears more attractively valued with a PEG of 1.66. NMIH earns a higher WallStSmart Score of 71/100 (B).

BRK-A

Buy

51

out of 100

Grade: C-

Growth: 3.3Profit: 7.5Value: 5.0Quality: 8.0
Piotroski: 3/9Altman Z: 2.46

NMIH

Strong Buy

71

out of 100

Grade: B

Growth: 6.7Profit: 9.0Value: 6.3Quality: 5.0

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BRK-A6 strengths · Avg: 9.2/10
Market CapQuality
$1.02T10/10

Mega-cap, among the largest globally

Price/BookValuation
1.4x10/10

Reasonable price relative to book value

Operating MarginProfitability
33.0%10/10

Strong operational efficiency at 33.0%

Debt/EquityHealth
0.219/10

Conservative balance sheet, low leverage

P/E RatioValuation
15.3x8/10

Attractively priced relative to earnings

Free Cash FlowQuality
$4.99B8/10

Generating 5.0B in free cash flow

NMIH4 strengths · Avg: 10.0/10
P/E RatioValuation
8.4x10/10

Attractively priced relative to earnings

Price/BookValuation
1.2x10/10

Reasonable price relative to book value

Profit MarginProfitability
55.0%10/10

Keeps 55 of every $100 in revenue as profit

Operating MarginProfitability
71.0%10/10

Strong operational efficiency at 71.0%

Areas to Watch

BRK-A4 concerns · Avg: 2.3/10
Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

PEG RatioValuation
9.682/10

Expensive relative to growth rate

Revenue GrowthGrowth
-0.7%2/10

Revenue declined 0.7%

EPS GrowthGrowth
-2.5%2/10

Earnings declined 2.5%

NMIH1 concerns · Avg: 4.0/10
PEG RatioValuation
1.664/10

Expensive relative to growth rate

Comparative Analysis Report

WallStSmart Research

Bull Case : BRK-A

The strongest argument for BRK-A centers on Market Cap, Price/Book, Operating Margin. Profitability is solid with margins at 18.0% and operating margin at 33.0%.

Bull Case : NMIH

The strongest argument for NMIH centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 55.0% and operating margin at 71.0%.

Bear Case : BRK-A

The primary concerns for BRK-A are Piotroski F-Score, PEG Ratio, Revenue Growth.

Bear Case : NMIH

The primary concerns for NMIH are PEG Ratio.

Key Dynamics to Monitor

BRK-A profiles as a declining stock while NMIH is a mature play — different risk/reward profiles.

BRK-A carries more volatility with a beta of 0.70 — expect wider price swings.

NMIH is growing revenue faster at 8.5% — sustainability is the question.

BRK-A generates stronger free cash flow (5.0B), providing more financial flexibility.

Bottom Line

NMIH scores higher overall (71/100 vs 51/100), backed by strong 55.0% margins. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Berkshire Hathaway Inc

FINANCIAL SERVICES · INSURANCE - DIVERSIFIED · USA

Berkshire Hathaway Inc. is an American multinational conglomerate holding company headquartered in Omaha, Nebraska, United States. The company wholly owns GEICO, Duracell, Dairy Queen, BNSF, Lubrizol, Fruit of the Loom, Helzberg Diamonds, Long & Foster, FlightSafety International, Pampered Chef, Forest River, and NetJets, and also owns 38.6% of Pilot Flying J; and significant minority holdings in public companies Kraft Heinz Company (26.7%), American Express (18.8%), The Coca-Cola Company (9.32%), Bank of America (11.9%), and Apple (6.3%).

Visit Website →

NMI Holdings Inc

FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA

NMI Holdings, Inc. provides private home equity insurance services in the United States. The company is headquartered in Emeryville, California.

Want to dig deeper into these stocks?