COMP <GO>
NMIH vs JPM // 10Y YIELD & FRED MACRO BETA
NMI Holdings Inc. (NASDAQ) VS. JPMorgan Chase & Co. (NYSE) • 15-METRIC TALLY: NMIH 5
— JPM 4
■ METRIC PARITY
LAST: $43.18 (+2.54%) • MKT CAP: $3.25B
macro-sensitivity
—
LAST: $343.58 (+1.26%) • MKT CAP: $913.30B
macro-sensitivity
1.00
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (NMIH VS. JPM)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | NMIH | JPM | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 15.00% | 17.37% | -2.37 | JPM | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | 9.7x | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 12.70% | -18.14% | +30.84 | NMIH | /fcf-yield <GO> |
| Operating Margin | — | 42.07% | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 55.10% | 32.63% | +22.47 | NMIH | /net-margins <GO> |
| Revenue Growth (YoY) | 8.50% | 13.53% | -5.03 | JPM | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 1.96% | -1.96 | JPM | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 6/9 | 2/9 | +4.00 | NMIH | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | 4.84% | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 57.1 | 55.1 | +2.01 | NMIH | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta ACTIVE | — | 1.00 | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 7.8x | 13.6x | -5.77 | NMIH | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $3.25B | $913.30B | -$910.05B | JPM | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | NMIH REV | JPM REV | NMIH GROSS % | JPM GROSS % | NMIH FCF | JPM FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $706.4M | $182.45B | — | — | $412.5M | -$147.78B |
| FY 2024 | $651.0M | $177.56B | — | — | $386.7M | -$42.01B |
| FY 2023 | $579.0M | $158.10B | — | — | $342.7M | $12.97B |
| FY 2022 | — | $128.69B | — | — | — | $107.12B |
| FY 2021 | — | $121.65B | — | — | — | $78.08B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
NMIH // BETA —
JPM // BETA 1.00