Which is better, BCAT or NMIH?

On the Buffett-Fit framework, NMI Holdings, Inc. (NMIH) currently grades higher than BCAT — 71/100 (D grade) vs 58/100 (C). That said, "better" depends on which framework you trust — BCAT wins on Peter Lynch; NMIH wins on Warren Buffett, Benjamin Graham, Philip Fisher, Joel Greenblatt, and Charlie Munger. The full pillar breakdown is on this page.

Should I buy BCAT or NMIH?

This page is an educational comparison, not investment advice. Both BCAT and NMIH are graded against the same Buffett 5-pillar framework (moat, earnings durability, management quality, financial health, valuation) plus six other documented investor frameworks. Read the side-by-side breakdown to see which one matches the criteria you care about most — and always do your own research before making any investment decision.

Is BCAT better than NMIH for value investing?

On the Buffett-style value-investing framework, NMIH currently grades higher — 71/100 vs 58/100, a 13-point gap. The gap is driven by which pillars each stock passes; the table on this page shows moat, durability, management, financial health, and valuation side-by-side.

What's the difference between BCAT and NMIH on Warren Buffett's framework?

Both stocks are evaluated on the same five pillars: economic moat (durable competitive advantage), earnings durability (consistent profitability), management quality (capital allocation), financial health (conservative balance sheet), and valuation (margin of safety). BCAT currently scores 58/100 (C grade); NMIH scores 71/100 (D grade). The "Where each wins" section on this page breaks down which pillar each stock dominates.

Which has the stronger moat, BCAT or NMIH?

Moat strength is one of the five pillars in the Buffett-Fit score on this page. BCAT and NMIH are each scored on ROIC sustainability, gross-margin durability, and qualitative signals like brand strength, switching costs, network effects, and regulatory barriers. The pillar breakdown on this page shows the moat sub-score side-by-side so you can see which one has the more durable competitive advantage.

Which is more undervalued, BCAT or NMIH?

Valuation is one of the five Buffett-Fit pillars on this page. Both stocks are scored on owner-earnings yield, price-to-intrinsic-value vs the underlying compounding rate, and the margin of safety relative to a conservative DCF. The valuation sub-score in the table below tells you which one currently trades at a more attractive price relative to its underlying business quality.

Are BCAT and NMIH both Financial Services stocks?

Yes — both BlackRock Capital Allocation Trust (BCAT) and NMI Holdings, Inc. (NMIH) operate in the Financial Services sector. That makes this a direct sector-peer comparison, which is the apples-to-apples way to use the Buffett-Fit framework: the score weighs each stock against its sector's specific quality and valuation benchmarks (sector-relative bonus), so the cross-stock comparison isn't distorted by inter-sector base-rate differences.

Is this BCAT vs NMIH comparison investment advice?

No. This page is an educational pattern-match against documented public frameworks (Buffett, Graham, Fisher, Lynch, Greenblatt, Munger, Smith), not personalised investment advice. The scores reflect how closely each stock matches each framework's documented criteria — they are not buy/hold/sell recommendations. Always do your own research and consult a licensed financial adviser for personalised advice.

Stock comparison

BlackRock Capital Allocation

NMI Holdings

Scored across Buffett, Graham, Lynch and Greenblatt - plus a side-by-side metric table covering valuation, quality, growth and balance sheet.

BCAT

Market cap

$1.63B

Sector

Financials

NMIH

NMI Holdings

Market cap

$2.84B

Sector

Financials

Overall winner

NMI Holdings NMIH

Wins on the combined sum of fit scores across all four strategies. Per-strategy breakdown below.

Fit scores by strategy

Strategy	BCAT	NMIH	Winner
Warren Buffett	58C	71D	NMIH
Benjamin Graham	18F	28F	NMIH
Philip Fisher

Side-by-side metrics

Metric	BCAT	NMIH
Market cap	$1.63B	$2.84B
P/E (TTM)	7.3x	7.4x
EV/EBIT	7.2x	-
ROIC (TTM)	13.15%	-0.16%
Gross margin	99.37%	89.66%
Net margin	98.65%	53.84%
Revenue CAGR 5y	16.07%

Where each one wins

The metrics with the biggest gap between the two - sorted so the most decisive edges read first.

BCAT leads on

ROIC (TTM)13.15%vs -0.16%+101%
Debt / Equity-vs 0.0x+100%
Dividend yield20.83%vs 0.0%+100%
Net margin98.65%vs 53.84%

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Strongest Moat Highest ROIC Warren Buffett strategy Economic Moat

Educational tool. Fit scores are deterministic projections from public financials onto each investor's published criteria - not personal recommendations or advice.