COMP <GO>
AGO vs NMIH // OPERATING MARGIN
Assured Guaranty Ltd. (NYSE) VS. NMI Holdings Inc. (NASDAQ) • 15-METRIC TALLY: AGO 2
— NMIH 5
■ METRIC PARITY
LAST: $70.88 (+2.25%) • MKT CAP: $3.12B
operating-margins
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LAST: $43.18 (+2.54%) • MKT CAP: $3.25B
operating-margins
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15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (AGO VS. NMIH)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | AGO | NMIH | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 8.90% | 15.00% | -6.10 | NMIH | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 8.31% | 12.70% | -4.39 | NMIH | /fcf-yield <GO> |
| Operating Margin ACTIVE | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | — | 55.10% | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | — | 8.50% | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 2.18% | 0.00% | +2.18 | AGO | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 4/9 | 6/9 | -2.00 | NMIH | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 50.9 | 57.1 | -6.18 | NMIH | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 5.8x | 7.8x | -2.00 | AGO | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $3.12B | $3.25B | -$130.7M | NMIH | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | AGO REV | NMIH REV | AGO GROSS % | NMIH GROSS % | AGO FCF | NMIH FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $706.4M | — | — | $259.0M | $412.5M |
| FY 2024 | $0 | $651.0M | — | — | $47.0M | $386.7M |
| FY 2023 | $53.0M | $579.0M | — | — | $461.0M | $342.7M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
AGO // BETA —
NMIH // BETA —