COMP <GO>
NMIH vs AGO // FREE CASH FLOW YIELD
NMI Holdings Inc. (NASDAQ) VS. Assured Guaranty Ltd. (NYSE) • 15-METRIC TALLY: NMIH 5
— AGO 2
▲ FREE CASH FLOW YIELD LEADER: NMIH
LAST: $42.67 (-1.18%) • MKT CAP: $3.25B
fcf-yield
12.70%
LAST: $70.48 (-0.56%) • MKT CAP: $3.12B
fcf-yield
8.31%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (NMIH VS. AGO)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | NMIH | AGO | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 15.00% | 8.90% | +6.10 | NMIH | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield ACTIVE | 12.70% | 8.31% | +4.39 | NMIH | /fcf-yield <GO> |
| Operating Margin | — | — | — | 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 | 0.00% | 2.18% | -2.18 | AGO | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 6/9 | 4/9 | +2.00 | NMIH | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 59.9 | 53.0 | +6.90 | NMIH | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 7.8x | 5.8x | +2.00 | AGO | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $3.25B | $3.12B | $130.7M | NMIH | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | NMIH REV | AGO REV | NMIH GROSS % | AGO GROSS % | NMIH FCF | AGO FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $706.4M | $0 | — | — | $412.5M | $259.0M |
| FY 2024 | $651.0M | $0 | — | — | $386.7M | $47.0M |
| FY 2023 | $579.0M | $53.0M | — | — | $342.7M | $461.0M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
NMIH // BETA —
AGO // BETA —