MGIC Investment Corp (MTG)vsNMI Holdings Inc (NMIH)
MTG
MGIC Investment Corp
$25.51
+1.55%
FINANCIAL SERVICES · Cap: $5.46B
NMIH
NMI Holdings Inc
$36.55
+1.30%
FINANCIAL SERVICES · Cap: $2.81B
Smart Verdict
WallStSmart Research — data-driven comparison
MGIC Investment Corp generates 68% more annual revenue ($1.20B vs $716.67M). MTG leads profitability with a 59.6% profit margin vs 53.8%. MTG appears more attractively valued with a PEG of 0.40. NMIH earns a higher WallStSmart Score of 69/100 (B-).
MTG
Buy65
out of 100
Grade: C+
NMIH
Strong Buy69
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 60 of every $100 in revenue as profit
Strong operational efficiency at 72.6%
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 72.0%
Conservative balance sheet, low leverage
Areas to Watch
1.3% earnings growth
Weak financial health signals
Revenue declined 3.0%
Expensive relative to growth rate
0.0% earnings growth
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 59.6% and operating margin at 72.6%. 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 53.8% and operating margin at 72.0%.
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, EPS Growth, 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 0.68 — expect wider price swings.
NMIH is growing revenue faster at 5.9% — sustainability is the question.
NMIH generates stronger free cash flow (115M), providing more financial flexibility.
Bottom Line
NMIH scores higher overall (69/100 vs 65/100), backed by strong 53.8% margins. 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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