Which is better, NMIH or OXLCG?

On the Buffett-Fit framework, NMI Holdings, Inc. (NMIH) currently grades higher than OXLCG — 71/100 (D grade) vs 54/100 (C). That said, "better" depends on which framework you trust — NMIH wins on Warren Buffett, Philip Fisher, Peter Lynch, Charlie Munger, and Terry Smith; OXLCG wins on Benjamin Graham and Joel Greenblatt. The full pillar breakdown is on this page.

Should I buy NMIH or OXLCG?

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

On the Buffett-style value-investing framework, NMIH currently grades higher — 71/100 vs 54/100, a 17-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 OXLCG 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); OXLCG scores 54/100 (C grade). The "Where each wins" section on this page breaks down which pillar each stock dominates.

Which has the stronger moat, NMIH or OXLCG?

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

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 OXLCG both Financial Services stocks?

Yes — both NMI Holdings, Inc. (NMIH) and Oxford Lane Capital Corp. 7.95% Notes due 2032 (OXLCG) 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 OXLCG 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

Oxford Lane Capital Corp. 7.95% Notes due 2032

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

OXLCG

Oxford Lane Capital Corp. 7.95% Notes due 2032

Market cap

$8.56B

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	OXLCG	Winner
Warren Buffett	71D	54C	NMIH
Benjamin Graham	28F	31F	OXLCG
Philip Fisher

Side-by-side metrics

Metric	NMIH	OXLCG
Market cap	$2.84B	$8.56B
P/E (TTM)	7.4x	230.1x
EV/EBIT	-	34.2x
ROIC (TTM)	-0.16%	7.99%
Gross margin	89.66%	100.0%
Net margin	53.84%	0.77%
Revenue CAGR 5y	9.79%

Where each one wins

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

NMIH leads on

EPS CAGR 5y16.71%vs -57.05%+129%
EV/EBIT-vs 34.2x+125%
Debt / Equity0.0xvs 0.4x+100%
Net margin53.84%vs 0.77%

More like NMIH

NMIH vs MSCI NMIH vs V NMIH vs MA NMIH vs PLMR NMIH vs TW NMIH vs MKTX

More like OXLCG

OXLCG 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.