Which is better, NMIH or NMR?

On the Buffett-Fit framework, NMI Holdings, Inc. (NMIH) currently grades higher than NMR — 71/100 (D grade) vs 31/100 (F). That said, "better" depends on which framework you trust — NMIH wins on Warren Buffett, Philip Fisher, Charlie Munger, and Terry Smith; NMR wins on Benjamin Graham, Peter Lynch, and Joel Greenblatt. The full pillar breakdown is on this page.

Should I buy NMIH or NMR?

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

On the Buffett-style value-investing framework, NMIH currently grades higher — 71/100 vs 31/100, a 40-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 NMIH and NMR 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). NMIH currently scores 71/100 (D grade); NMR scores 31/100 (F grade). The "Where each wins" section on this page breaks down which pillar each stock dominates.

Which has the stronger moat, NMIH or NMR?

Moat strength is one of the five pillars in the Buffett-Fit score on this page. NMIH and NMR 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, NMIH or NMR?

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 NMIH and NMR both Financial Services stocks?

Yes — both NMI Holdings, Inc. (NMIH) and Nomura Holdings, Inc. (NMR) 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 NMIH vs NMR 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

NMI Holdings

Nomura Holdings

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

NMIH

NMI Holdings

Market cap

$2.84B

Sector

Financials

NMR

Nomura Holdings

Market cap

$23.7B

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	NMIH	NMR	Winner
Warren Buffett	71D	31F	NMIH
Benjamin Graham	28F	43D	NMR
Philip Fisher	67B	35D	NMIH
Peter Lynch	41D	58C	NMR
Joel Greenblatt	38D	53D	NMR
Charlie Munger	53C	23F	NMIH
Terry Smith	57D	14F	NMIH

Side-by-side metrics

Metric	NMIH	NMR
Market cap	$2.84B	$23.7B
P/E (TTM)	7.4x	10.2x
EV/EBIT	-	59.8x
ROIC (TTM)	-0.16%	0.6%
Gross margin	89.66%	42.19%
Net margin	53.84%	7.85%
Revenue CAGR 5y	9.79%	36.42%
EPS CAGR 5y	16.71%	27.43%
Debt / Equity	0.0x	8.9x
Dividend yield	0.0%	4.0%

Where each one wins

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

NMIH leads on

EV/EBIT-vs 59.8x+144%
Debt / Equity0.0xvs 8.9x+100%
Net margin53.84%vs 7.85%+85%
Gross margin89.66%vs 42.19%+53%

NMR leads on

ROIC (TTM)0.6%vs -0.16%+127%
Dividend yield4.0%vs 0.0%+100%
Market cap$23.7Bvs $2.84B+88%
Revenue CAGR 5y36.42%vs 9.79%+73%

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

NMI Holdings

Nomura Holdings

Fit scores by strategy

Side-by-side metrics

Where each one wins

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