COMP <GO>
NMIH vs SPNT // DIVIDEND YIELD & FCF PAYOUT SAFETY
NMI Holdings Inc. (NASDAQ) VS. SiriusPoint Ltd. (NYSE) • 15-METRIC TALLY: NMIH 4
— SPNT 4
■ METRIC PARITY
LAST: $43.18 (+2.54%) • MKT CAP: $3.25B
dividend-safety
0.00%
LAST: $25.95 (+2.69%) • MKT CAP: $3.01B
dividend-safety
0.00%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (NMIH VS. SPNT)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | NMIH | SPNT | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 15.00% | 18.60% | -3.60 | SPNT | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 12.70% | 3.40% | +9.30 | NMIH | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 55.10% | 14.40% | +40.70 | NMIH | /net-margins <GO> |
| Revenue Growth (YoY) | 8.50% | 23.10% | -14.60 | SPNT | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety ACTIVE | 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 | 5/9 | +1.00 | NMIH | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 57.1 | 60.0 | -2.90 | SPNT | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 7.8x | 5.5x | +2.30 | SPNT | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $3.25B | $3.01B | $233.4M | NMIH | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | NMIH REV | SPNT REV | NMIH GROSS % | SPNT GROSS % | NMIH FCF | SPNT FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $706.4M | $3.21B | — | — | $412.5M | $102.4M |
| FY 2024 | $651.0M | $2.60B | — | — | $386.7M | $74.7M |
| FY 2023 | $579.0M | $2.74B | — | — | $342.7M | $581.3M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
NMIH // BETA —
SPNT // BETA —