Fidelity National Financial Inc (FNF)vsNMI Holdings Inc (NMIH)
FNF
Fidelity National Financial Inc
$44.13
+0.41%
FINANCIAL SERVICES · Cap: $11.97B
NMIH
NMI Holdings Inc
$43.89
-0.68%
FINANCIAL SERVICES · Cap: $3.34B
Smart Verdict
WallStSmart Research — data-driven comparison
Fidelity National Financial Inc generates 2000% more annual revenue ($15.35B vs $730.78M). NMIH leads profitability with a 54.1% profit margin vs 5.0%. FNF appears more attractively valued with a PEG of 0.85. NMIH earns a higher WallStSmart Score of 71/100 (B).
FNF
Strong Buy70
out of 100
Grade: B-
NMIH
Strong Buy71
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Generating 1.8B in free cash flow
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 54 of every $100 in revenue as profit
Strong operational efficiency at 76.7%
Conservative balance sheet, low leverage
Areas to Watch
5.0% margin — thin
Weak financial health signals
Distress zone — elevated risk
Expensive relative to growth rate
Weak financial health signals
Comparative Analysis Report
WallStSmart ResearchBull Case : FNF
The strongest argument for FNF centers on PEG Ratio, P/E Ratio, Price/Book. Revenue growth of 10.5% 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 54.1% and operating margin at 76.7%.
Bear Case : FNF
The primary concerns for FNF are Profit Margin, Piotroski F-Score, Altman Z-Score.
Bear Case : NMIH
The primary concerns for NMIH are PEG Ratio, Piotroski F-Score.
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 0.98 — expect wider price swings.
FNF is growing revenue faster at 10.5% — sustainability is the question.
FNF generates stronger free cash flow (1.8B), providing more financial flexibility.
Bottom Line
NMIH scores higher overall (71/100 vs 70/100), backed by strong 54.1% margins. 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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