Which is better, ECAT or NMIH?

On the Buffett-Fit framework, NMI Holdings, Inc. (NMIH) currently grades higher than ECAT — 71/100 (D grade) vs 51/100 (C). That said, "better" depends on which framework you trust — ECAT wins on Philip Fisher and Peter Lynch; NMIH wins on Warren Buffett, Benjamin Graham, Joel Greenblatt, and Charlie Munger. The full pillar breakdown is on this page.

Should I buy ECAT or NMIH?

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

On the Buffett-style value-investing framework, NMIH currently grades higher — 71/100 vs 51/100, a 20-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 ECAT 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). ECAT currently scores 51/100 (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, ECAT or NMIH?

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

Yes — both BlackRock ESG Capital Allocation Trust (ECAT) 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 ECAT 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 ESG 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.

ECAT

Market cap

$1.53B

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	ECAT	NMIH	Winner
Warren Buffett	51C	71D	NMIH
Benjamin Graham	18F	28F	NMIH
Philip Fisher	70B	67B	ECAT
Peter Lynch	61C	41D	ECAT
Joel Greenblatt	37D	38D	NMIH
Charlie Munger	47D	53C	NMIH
Terry Smith	57D	57D	Tie

Side-by-side metrics

Metric	ECAT	NMIH
Market cap	$1.53B	$2.84B
P/E (TTM)	7.3x	7.4x
EV/EBIT	7.2x	-
ROIC (TTM)	13.01%	-0.16%
Gross margin	99.99%	89.66%
Net margin	98.68%	53.84%
Revenue CAGR 5y	26.53%	9.79%
EPS CAGR 5y	27.69%	16.71%
Debt / Equity	0.0x	0.0x
Dividend yield	22.2%	0.0%

Where each one wins

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

ECAT leads on

ROIC (TTM)13.01%vs -0.16%+101%
Dividend yield22.2%vs 0.0%+100%
Revenue CAGR 5y26.53%vs 9.79%+63%
Net margin98.68%vs 53.84%+45%

NMIH leads on

EV/EBIT-vs 7.2x+105%
Market cap$2.84Bvs $1.53B+46%
Debt / Equity0.0xvs 0.0x+33%

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

BlackRock ESG Capital Allocation

NMI Holdings

Fit scores by strategy

Side-by-side metrics

Where each one wins

More like ECAT

More like NMIH

Related on invest-like

Key terms in this analysis