Fidelity National Financial Inc (FNF)vsNMI Holdings Inc (NMIH)
FNF
Fidelity National Financial Inc
$47.40
+2.98%
FINANCIAL SERVICES · Cap: $12.90B
NMIH
NMI Holdings Inc
$36.55
+1.30%
FINANCIAL SERVICES · Cap: $2.81B
Smart Verdict
WallStSmart Research — data-driven comparison
Fidelity National Financial Inc generates 1988% more annual revenue ($14.96B vs $716.67M). NMIH leads profitability with a 53.8% profit margin vs 5.1%. FNF appears more attractively valued with a PEG of 0.85. FNF earns a higher WallStSmart Score of 78/100 (B+).
FNF
Strong Buy78
out of 100
Grade: B+
NMIH
Strong Buy69
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Earnings expanding 200.0% YoY
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
16.7% 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 72.0%
Conservative balance sheet, low leverage
Areas to Watch
5.1% margin — thin
Weak financial health signals
Distress zone — elevated risk
Expensive relative to growth rate
0.0% earnings growth
Weak financial health signals
Comparative Analysis Report
WallStSmart ResearchBull Case : FNF
The strongest argument for FNF centers on EPS Growth, PEG Ratio, P/E Ratio. Revenue growth of 16.7% demonstrates continued momentum. PEG of 0.85 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 53.8% and operating margin at 72.0%.
Bear Case : FNF
The primary concerns for FNF are Profit Margin, Piotroski F-Score, Altman Z-Score.
Bear Case : NMIH
The primary concerns for NMIH are PEG Ratio, EPS Growth, Piotroski F-Score.
Key Dynamics to Monitor
FNF profiles as a growth stock while NMIH is a mature play — different risk/reward profiles.
FNF carries more volatility with a beta of 1.02 — expect wider price swings.
FNF is growing revenue faster at 16.7% — sustainability is the question.
FNF generates stronger free cash flow (848M), providing more financial flexibility.
Bottom Line
FNF scores higher overall (78/100 vs 69/100) and 16.7% revenue growth. 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.
Fidelity National Financial Inc
FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA
Fidelity National Financial, Inc. offers various insurance products in the United States. The company is headquartered in Jacksonville, Florida.
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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