COMP <GO>
NMIH vs BAC // OPERATING MARGIN
NMI Holdings Inc. (NASDAQ) VS. Bank of America Corporation (NYSE) • 15-METRIC TALLY: NMIH 6
— BAC 2
■ METRIC PARITY
LAST: $43.18 (+2.54%) • MKT CAP: $3.25B
operating-margins
—
LAST: $51.14 (+0.57%) • MKT CAP: $357.61B
operating-margins
32.90%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (NMIH VS. BAC)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | NMIH | BAC | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 15.00% | 2.50% | +12.50 | NMIH | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | 30.2x | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 12.70% | 2.10% | +10.60 | NMIH | /fcf-yield <GO> |
| Operating Margin ACTIVE | — | 32.90% | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 55.10% | 27.00% | +28.10 | NMIH | /net-margins <GO> |
| Revenue Growth (YoY) | 8.50% | 6.80% | +1.70 | NMIH | /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 | 6/9 | 7/9 | -1.00 | BAC | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 57.1 | 38.3 | +18.81 | NMIH | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | 0.90 | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 7.8x | 10.9x | -3.10 | NMIH | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $3.25B | $357.61B | -$354.36B | BAC | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | NMIH REV | BAC REV | NMIH GROSS % | BAC GROSS % | NMIH FCF | BAC FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $706.4M | $113.10B | — | — | $412.5M | $7.52B |
| FY 2024 | $651.0M | $105.86B | — | — | $386.7M | -$13.57B |
| FY 2023 | $579.0M | $102.77B | — | — | $342.7M | $40.36B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
NMIH // BETA —
BAC // BETA 0.90