Which is better, BNH or NMIH?

On the Buffett-Fit framework, NMI Holdings, Inc. (NMIH) currently grades higher than BNH — 71/100 (D grade) vs 24/100 (F). That said, "better" depends on which framework you trust — BNH wins on Benjamin Graham; NMIH wins on Warren Buffett, Philip Fisher, Peter Lynch, Joel Greenblatt, Charlie Munger, and Terry Smith. The full pillar breakdown is on this page.

Should I buy BNH or NMIH?

This page is an educational comparison, not investment advice. Both BNH 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 BNH better than NMIH for value investing?

On the Buffett-style value-investing framework, NMIH currently grades higher — 71/100 vs 24/100, a 47-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 BNH 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). BNH currently scores 24/100 (F 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, BNH or NMIH?

Moat strength is one of the five pillars in the Buffett-Fit score on this page. BNH 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, BNH 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 BNH and NMIH both Financial Services stocks?

Yes — both Brookfield Finance Inc. 4.625% (BNH) 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 BNH 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

Brookfield Finance Inc. 4.625%

NMI Holdings

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

BNH

Market cap

$103.93B

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	BNH	NMIH	Winner
Warren Buffett	24F	71D	NMIH
Benjamin Graham	60C	28F	BNH
Philip Fisher	32F	67B	NMIH
Peter Lynch	4F	41D	NMIH
Joel Greenblatt	2F	38D	NMIH
Charlie Munger	27F	53C	NMIH
Terry Smith	18F	57D	NMIH

Side-by-side metrics

Metric	BNH	NMIH
Market cap	$103.93B	$2.84B
P/E (TTM)	85.4x	7.4x
EV/EBIT	4.0x	-
ROIC (TTM)	3.24%	-0.16%
Gross margin	35.28%	89.66%
Net margin	1.74%	53.84%
Revenue CAGR 5y	0.13%	9.79%
EPS CAGR 5y	-25.04%	16.71%
Debt / Equity	-	0.0x
Dividend yield	0.55%	0.0%

Where each one wins

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

BNH leads on

ROIC (TTM)3.24%vs -0.16%+105%
Debt / Equity-vs 0.0x+100%
Dividend yield0.55%vs 0.0%+100%
Market cap$103.93Bvs $2.84B+97%

NMIH leads on

EPS CAGR 5y16.71%vs -25.04%+167%
EV/EBIT-vs 4.0x+103%
Revenue CAGR 5y9.79%vs 0.13%+99%
Net margin53.84%vs 1.74%+97%

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

Brookfield Finance Inc. 4.625%

NMI Holdings

Fit scores by strategy

Side-by-side metrics

Where each one wins

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