COMP <GO>
LMND vs NMIH // PIOTROSKI F-SCORE QUALITY
Lemonade Inc. (NYSE) VS. NMI Holdings Inc. (NASDAQ) • 15-METRIC TALLY: LMND 2
— NMIH 5
▲ PIOTROSKI F-SCORE QUALITY LEADER: NMIH
LAST: $45.91 (+1.21%) • MKT CAP: $3.55B
piotroski-score
3/9
LAST: $43.18 (+2.54%) • MKT CAP: $3.25B
piotroski-score
6/9
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (LMND VS. NMIH)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | LMND | NMIH | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | -31.10% | 15.00% | -46.10 | NMIH | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | -0.73% | 12.70% | -13.43 | NMIH | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | -22.50% | 55.10% | -77.60 | NMIH | /net-margins <GO> |
| Revenue Growth (YoY) | 40.20% | 8.50% | +31.70 | LMND | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 0.00% | 0.00 | TIE | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality ACTIVE | 3/9 | 6/9 | -3.00 | NMIH | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 38.1 | 57.1 | -18.97 | NMIH | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | — | 7.8x | — | TIE | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $3.55B | $3.25B | $305.4M | LMND | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | LMND REV | NMIH REV | LMND GROSS % | NMIH GROSS % | LMND FCF | NMIH FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $737.9M | $706.4M | — | — | -$25.9M | $412.5M |
| FY 2024 | $526.5M | $651.0M | — | — | -$20.8M | $386.7M |
| FY 2023 | $429.8M | $579.0M | — | — | -$119.1M | $342.7M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
LMND // BETA —
NMIH // BETA —