Which is better, MCO or NMIH?

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

Should I buy MCO or NMIH?

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

The two are close on the headline Buffett-Fit score (71/100 vs 71/100), so "better for value investing" depends on which pillar you weight most. The five Buffett pillars + six other frameworks are broken down side-by-side on this page so you can pick the one that fits your style.

What's the difference between MCO 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). MCO currently scores 71/100 (B 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, MCO or NMIH?

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

Yes — both Moody's Corporation (MCO) 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 MCO 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

Moody's

NMI Holdings

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

MCO

Moody's

Market cap

$78.46B

Sector

Financials

NMIH

NMI Holdings

Market cap

$2.85B

Sector

Financials

Overall winner

Moody's MCO

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

Fit scores by strategy

Strategy	MCO	NMIH	Winner
Warren Buffett	71B	71D	Tie
Benjamin Graham	83A	28F	MCO
Philip Fisher	62C	67B	NMIH
Peter Lynch	68B	41D	MCO
Joel Greenblatt	58C	38D	MCO
Charlie Munger	79B	53C	MCO
Terry Smith	75B	57D	MCO

Side-by-side metrics

Metric	MCO	NMIH
Market cap	$78.46B	$2.85B
P/E (TTM)	30.4x	7.4x
EV/EBIT	23.4x	-
ROIC (TTM)	23.11%	-0.16%
Gross margin	69.69%	89.66%
Net margin	31.69%	53.84%
Revenue CAGR 5y	5.55%	9.79%
EPS CAGR 5y	3.68%	16.71%
Debt / Equity	2.4x	0.0x
Dividend yield	0.92%	0.0%

Where each one wins

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

MCO leads on

ROIC (TTM)23.11%vs -0.16%+101%
Dividend yield0.92%vs 0.0%+100%
Market cap$78.46Bvs $2.85B+96%

NMIH leads on

EV/EBIT-vs 23.4x+117%
Debt / Equity0.0xvs 2.4x+100%
EPS CAGR 5y16.71%vs 3.68%+78%
P/E (TTM)7.4xvs 30.4x+76%

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

Moody's

NMI Holdings

Fit scores by strategy

Side-by-side metrics

Where each one wins

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Key terms in this analysis