MGIC Investment Corp (MTG)vsNMI Holdings Inc (NMIH)
MTG
MGIC Investment Corp
$26.01
+0.50%
FINANCIAL SERVICES · Cap: $5.61B
NMIH
NMI Holdings Inc
$37.22
+0.05%
FINANCIAL SERVICES · Cap: $2.86B
Smart Verdict
WallStSmart Research — data-driven comparison
MGIC Investment Corp generates 72% more annual revenue ($1.21B vs $706.44M). MTG leads profitability with a 60.8% profit margin vs 55.0%. MTG appears more attractively valued with a PEG of 0.40. NMIH earns a higher WallStSmart Score of 71/100 (B).
MTG
Buy65
out of 100
Grade: C+
NMIH
Strong Buy71
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+33.2%
Fair Value
$40.95
Current Price
$26.01
$14.94 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
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 61 of every $100 in revenue as profit
Strong operational efficiency at 74.2%
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
3.9% earnings growth
Weak financial health signals
Revenue declined 0.9%
Expensive relative to growth rate
Comparative Analysis Report
WallStSmart ResearchBull Case : MTG
The strongest argument for MTG centers on PEG Ratio, P/E Ratio, Price/Book. Profitability is solid with margins at 60.8% and operating margin at 74.2%. PEG of 0.40 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 : MTG
The primary concerns for MTG are EPS Growth, Piotroski F-Score, Revenue Growth.
Bear Case : NMIH
The primary concerns for NMIH are PEG Ratio.
Key Dynamics to Monitor
MTG profiles as a declining stock while NMIH is a mature play — different risk/reward profiles.
MTG carries more volatility with a beta of 0.80 — expect wider price swings.
NMIH is growing revenue faster at 8.5% — sustainability is the question.
MTG generates stronger free cash flow (230M), providing more financial flexibility.
Bottom Line
NMIH scores higher overall (71/100 vs 65/100), backed by strong 55.0% margins. MTG offers better value entry with a 33.2% margin of safety. 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.
MGIC Investment Corp
FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA
MGIC Investment Corporation offers private mortgage insurance, other mortgage credit risk management solutions, and ancillary services to lenders and government-sponsored entities in the United States, Puerto Rico, and Guam. The company is headquartered in Milwaukee, Wisconsin.
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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