NMI Holdings Inc (NMIH)vsSun Life Financial Inc. (SLF)
NMIH
NMI Holdings Inc
$43.89
-0.68%
FINANCIAL SERVICES · Cap: $3.34B
SLF
Sun Life Financial Inc.
$79.67
+0.14%
FINANCIAL SERVICES · Cap: $45.08B
Smart Verdict
WallStSmart Research — data-driven comparison
Sun Life Financial Inc. generates 4762% more annual revenue ($35.53B vs $730.78M). NMIH leads profitability with a 54.1% profit margin vs 9.5%. SLF appears more attractively valued with a PEG of 1.61. NMIH earns a higher WallStSmart Score of 71/100 (B).
NMIH
Strong Buy71
out of 100
Grade: B
SLF
Strong Buy65
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
Keeps 54 of every $100 in revenue as profit
Strong operational efficiency at 76.7%
Conservative balance sheet, low leverage
Reasonable price relative to book value
Earnings expanding 43.2% YoY
Areas to Watch
Expensive relative to growth rate
Weak financial health signals
Expensive relative to growth rate
Comparative Analysis Report
WallStSmart ResearchBull 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%.
Bull Case : SLF
The strongest argument for SLF centers on Price/Book, EPS Growth.
Bear Case : NMIH
The primary concerns for NMIH are PEG Ratio, Piotroski F-Score.
Bear Case : SLF
The primary concerns for SLF are PEG Ratio.
Key Dynamics to Monitor
NMIH profiles as a mature stock while SLF is a value play — different risk/reward profiles.
SLF carries more volatility with a beta of 0.80 — expect wider price swings.
NMIH is growing revenue faster at 8.1% — sustainability is the question.
NMIH generates stronger free cash flow (140M), providing more financial flexibility.
Bottom Line
NMIH scores higher overall (71/100 vs 65/100), 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.
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.
Sun Life Financial Inc.
FINANCIAL SERVICES · INSURANCE - DIVERSIFIED · USA
Sun Life Financial Inc., a financial services company, provides insurance, wealth and asset management solutions to individuals and corporate clients around the world. The company is headquartered in Toronto, Canada.
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