Fidelity National Financial Inc (FNF)vsNMI Holdings Inc (NMIH)
FNF
Fidelity National Financial Inc
$44.79
+1.31%
FINANCIAL SERVICES · Cap: $11.99B
NMIH
NMI Holdings Inc
$37.22
+0.05%
FINANCIAL SERVICES · Cap: $2.86B
Smart Verdict
WallStSmart Research — data-driven comparison
Fidelity National Financial Inc generates 1953% more annual revenue ($14.51B vs $706.44M). NMIH leads profitability with a 55.0% profit margin vs 4.2%. FNF appears more attractively valued with a PEG of 0.85. FNF earns a higher WallStSmart Score of 72/100 (B).
FNF
Strong Buy72
out of 100
Grade: B
NMIH
Strong Buy71
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+44.8%
Fair Value
$103.43
Current Price
$44.79
$58.64 discount
Margin of Safety
+68.2%
Fair Value
$128.71
Current Price
$37.22
$91.49 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Reasonable price relative to book value
Earnings expanding 37.1% YoY
Generating 1.8B in free cash flow
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 55 of every $100 in revenue as profit
Strong operational efficiency at 71.0%
Areas to Watch
ROE of 7.8% — below average capital efficiency
4.2% margin — thin
Weak financial health signals
Distress zone — elevated risk
Expensive relative to growth rate
Comparative Analysis Report
WallStSmart ResearchBull Case : FNF
The strongest argument for FNF centers on PEG Ratio, Price/Book, EPS Growth. Revenue growth of 12.3% demonstrates continued momentum. PEG of 0.85 suggests the stock is reasonably priced for its growth.
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 : FNF
The primary concerns for FNF are Return on Equity, Profit Margin, Piotroski F-Score. Thin 4.2% margins leave little buffer for downturns.
Bear Case : NMIH
The primary concerns for NMIH are PEG Ratio.
Key Dynamics to Monitor
FNF profiles as a value stock while NMIH is a mature play — different risk/reward profiles.
FNF carries more volatility with a beta of 1.03 — expect wider price swings.
FNF is growing revenue faster at 12.3% — sustainability is the question.
FNF generates stronger free cash flow (1.8B), providing more financial flexibility.
Bottom Line
FNF scores higher overall (72/100 vs 71/100) and 12.3% revenue growth. NMIH offers better value entry with a 68.2% margin of safety. Both earn "Strong Buy" and "Strong 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.
Fidelity National Financial Inc
FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA
Fidelity National Financial, Inc. offers various insurance products in the United States. The company is headquartered in Jacksonville, Florida.
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.
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