First American Corporation (FAF)vsNMI Holdings Inc (NMIH)
FAF
First American Corporation
$71.78
+0.84%
FINANCIAL SERVICES · Cap: $7.43B
NMIH
NMI Holdings Inc
$43.89
-0.68%
FINANCIAL SERVICES · Cap: $3.34B
Smart Verdict
WallStSmart Research — data-driven comparison
First American Corporation generates 993% more annual revenue ($7.98B vs $730.78M). NMIH leads profitability with a 54.1% profit margin vs 9.3%. NMIH appears more attractively valued with a PEG of 1.66. NMIH earns a higher WallStSmart Score of 71/100 (B).
FAF
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
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 50.4% YoY
15.0% revenue growth
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
Expensive relative to growth rate
Expensive relative to growth rate
Weak financial health signals
Comparative Analysis Report
WallStSmart ResearchBull Case : FAF
The strongest argument for FAF centers on P/E Ratio, Price/Book, EPS Growth. Revenue growth of 15.0% 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 54.1% and operating margin at 76.7%.
Bear Case : FAF
The primary concerns for FAF are PEG Ratio.
Bear Case : NMIH
The primary concerns for NMIH are PEG Ratio, Piotroski F-Score.
Key Dynamics to Monitor
FAF profiles as a value stock while NMIH is a mature play — different risk/reward profiles.
FAF carries more volatility with a beta of 1.23 — expect wider price swings.
FAF is growing revenue faster at 15.0% — sustainability is the question.
FAF generates stronger free cash flow (317M), 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.
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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