MGIC Investment Corp (MTG)vsNMI Holdings Inc (NMIH)
MTG
MGIC Investment Corp
$30.74
-0.32%
FINANCIAL SERVICES · Cap: $6.29B
NMIH
NMI Holdings Inc
$43.89
-0.68%
FINANCIAL SERVICES · Cap: $3.34B
Smart Verdict
WallStSmart Research — data-driven comparison
MGIC Investment Corp generates 64% more annual revenue ($1.20B vs $730.78M). MTG leads profitability with a 59.2% profit margin vs 54.1%. MTG appears more attractively valued with a PEG of 0.40. NMIH earns a higher WallStSmart Score of 71/100 (B).
MTG
Strong Buy67
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
Keeps 59 of every $100 in revenue as profit
Strong operational efficiency at 80.8%
Conservative balance sheet, low leverage
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
Weak financial health signals
Revenue declined 2.9%
Expensive relative to growth rate
Weak financial health signals
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 59.2% and operating margin at 80.8%. 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 54.1% and operating margin at 76.7%.
Bear Case : MTG
The primary concerns for MTG are Piotroski F-Score, Revenue Growth.
Bear Case : NMIH
The primary concerns for NMIH are PEG Ratio, Piotroski F-Score.
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 0.65 — expect wider price swings.
NMIH is growing revenue faster at 8.1% — sustainability is the question.
MTG generates stronger free cash flow (184M), providing more financial flexibility.
Bottom Line
NMIH scores higher overall (71/100 vs 67/100), 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.
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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