Which is better, CEF or NMIH?

On the Buffett-Fit framework, NMI Holdings, Inc. (NMIH) currently grades higher than CEF — 71/100 (D grade) vs 30/100 (F). That said, "better" depends on which framework you trust — CEF wins on Joel Greenblatt; NMIH wins on Warren Buffett, Benjamin Graham, Philip Fisher, Peter Lynch, Charlie Munger, and Terry Smith. The full pillar breakdown is on this page.

Should I buy CEF or NMIH?

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

On the Buffett-style value-investing framework, NMIH currently grades higher — 71/100 vs 30/100, a 41-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 CEF 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). CEF currently scores 30/100 (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, CEF or NMIH?

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

Yes — both Sprott Physical Gold and Silver Trust (CEF) 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 CEF 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

Sprott Physical Gold and Silver

NMI Holdings

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

CEF

Market cap

$9.17B

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	CEF	NMIH	Winner
Warren Buffett	30F	71D	NMIH
Benjamin Graham	20F	28F	NMIH
Philip Fisher

Side-by-side metrics

Metric	CEF	NMIH
Market cap	$9.17B	$2.84B
P/E (TTM)	2.2x	7.4x
EV/EBIT	2.1x	-
ROIC (TTM)	43.49%	-0.16%
Gross margin	2.79%	89.66%
Net margin	5.95%	53.84%
Revenue CAGR 5y	-

Where each one wins

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

CEF leads on

ROIC (TTM)43.49%vs -0.16%+100%
Debt / Equity-vs 0.0x+100%
Net margin5.95%vs 53.84%+91%
P/E (TTM)2.2xvs 7.4x

More like CEF

CEF vs MSCI CEF vs V CEF vs MA CEF vs PLMR CEF vs TW CEF vs MKTX

More like NMIH

NMIH vs MSCI

Related on invest-like

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.