First American Corporation (FAF)vsNMI Holdings Inc (NMIH)
FAF
First American Corporation
$58.36
+0.43%
FINANCIAL SERVICES · Cap: $5.92B
NMIH
NMI Holdings Inc
$37.22
+0.05%
FINANCIAL SERVICES · Cap: $2.86B
Smart Verdict
WallStSmart Research — data-driven comparison
First American Corporation generates 955% more annual revenue ($7.45B vs $706.44M). NMIH leads profitability with a 55.0% profit margin vs 8.3%. NMIH appears more attractively valued with a PEG of 1.66. FAF earns a higher WallStSmart Score of 72/100 (B).
FAF
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
+77.1%
Fair Value
$280.80
Current Price
$58.36
$222.44 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
Attractively priced relative to earnings
Reasonable price relative to book value
Revenue surging 21.6% year-over-year
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
Expensive relative to growth rate
1.9% earnings growth
Distress zone — elevated risk
Expensive relative to growth rate
Comparative Analysis Report
WallStSmart ResearchBull Case : FAF
The strongest argument for FAF centers on P/E Ratio, Price/Book, Revenue Growth. Revenue growth of 21.6% demonstrates continued momentum.
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 : FAF
The primary concerns for FAF are PEG Ratio, EPS Growth, Altman Z-Score.
Bear Case : NMIH
The primary concerns for NMIH are PEG Ratio.
Key Dynamics to Monitor
FAF profiles as a growth stock while NMIH is a mature play — different risk/reward profiles.
FAF carries more volatility with a beta of 1.26 — expect wider price swings.
FAF is growing revenue faster at 21.6% — sustainability is the question.
FAF generates stronger free cash flow (325M), providing more financial flexibility.
Bottom Line
FAF scores higher overall (72/100 vs 71/100) and 21.6% 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.
First American Corporation
FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA
First American Financial Corporation, provides financial services. The company is headquartered in Santa Ana, California.
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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