COMP <GO>
NMIH vs PLMR // EV/EBITDA & P/E VALUATION
NMI Holdings Inc. (NASDAQ) VS. Palomar Holdings Inc. (NASDAQ) • 15-METRIC TALLY: NMIH 3
— PLMR 4
■ METRIC PARITY
LAST: $43.18 (+2.54%) • MKT CAP: $3.25B
valuation
—
LAST: $137.17 (+0.54%) • MKT CAP: $3.61B
valuation
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (NMIH VS. PLMR)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | NMIH | PLMR | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 15.00% | 20.90% | -5.90 | PLMR | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 12.70% | 11.33% | +1.37 | NMIH | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 55.10% | 22.50% | +32.60 | NMIH | /net-margins <GO> |
| Revenue Growth (YoY) | 8.50% | 58.20% | -49.70 | PLMR | /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 | 6/9 | 0.00 | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 57.1 | 57.9 | -0.79 | PLMR | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 7.8x | 15.4x | -7.60 | NMIH | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $3.25B | $3.61B | -$362.1M | PLMR | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | NMIH REV | PLMR REV | NMIH GROSS % | PLMR GROSS % | NMIH FCF | PLMR FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $706.4M | $876.0M | — | — | $412.5M | $409.0M |
| FY 2024 | $651.0M | $553.9M | — | — | $386.7M | $260.9M |
| FY 2023 | $579.0M | $375.9M | — | — | $342.7M | $116.1M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
NMIH // BETA —
PLMR // BETA —