Hartford Financial Services Group (HIG)vsNMI Holdings Inc (NMIH)
HIG
Hartford Financial Services Group
$136.36
-0.32%
FINANCIAL SERVICES · Cap: $36.75B
NMIH
NMI Holdings Inc
$43.89
-0.68%
FINANCIAL SERVICES · Cap: $3.34B
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 3911% more annual revenue ($29.32B vs $730.78M). NMIH leads profitability with a 54.1% profit margin vs 14.9%. HIG appears more attractively valued with a PEG of 0.12. HIG earns a higher WallStSmart Score of 79/100 (B+).
HIG
Strong Buy79
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
Every $100 of equity generates 22 in profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Earnings expanding 36.1% YoY
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
Distress zone — elevated risk
Expensive relative to growth rate
Weak financial health signals
Comparative Analysis Report
WallStSmart ResearchBull Case : HIG
The strongest argument for HIG centers on PEG Ratio, P/E Ratio, Return on Equity. PEG of 0.12 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 : HIG
The primary concerns for HIG are Altman Z-Score.
Bear Case : NMIH
The primary concerns for NMIH are PEG Ratio, Piotroski F-Score.
Key Dynamics to Monitor
HIG profiles as a value stock while NMIH is a mature play — different risk/reward profiles.
NMIH carries more volatility with a beta of 0.53 — expect wider price swings.
NMIH is growing revenue faster at 8.1% — sustainability is the question.
HIG generates stronger free cash flow (1.1B), providing more financial flexibility.
Bottom Line
HIG scores higher overall (79/100 vs 71/100). 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.
Hartford Financial Services Group
FINANCIAL SERVICES · INSURANCE - DIVERSIFIED · USA
The Hartford Financial Services Group, Inc., usually known as The Hartford, is a United States-based investment and insurance company.
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.
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