Which is better, NMIH or PFH?

On the Buffett-Fit framework, NMI Holdings, Inc. (NMIH) currently grades higher than PFH — 71/100 (D grade) vs 25/100 (F). That said, "better" depends on which framework you trust — NMIH wins on Warren Buffett, Benjamin Graham, Philip Fisher, Peter Lynch, Joel Greenblatt, Charlie Munger, and Terry Smith; PFH wins on none. The full pillar breakdown is on this page.

Should I buy NMIH or PFH?

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

On the Buffett-style value-investing framework, NMIH currently grades higher — 71/100 vs 25/100, a 46-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 PFH 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); PFH scores 25/100 (F grade). The "Where each wins" section on this page breaks down which pillar each stock dominates.

Which has the stronger moat, NMIH or PFH?

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

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 PFH both Financial Services stocks?

Yes — both NMI Holdings, Inc. (NMIH) and Prudential Financial, Inc. 4.125% Junior Subordinated Notes due 2060 (PFH) 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 PFH 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

Prudential Financial, Inc. 4.125% Junior Subordinated Notes due 2060

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

PFH

Prudential Financial, Inc. 4.125% Junior Subordinated Notes due 2060

Market cap

$5.65B

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	PFH	Winner
Warren Buffett	71D	25F	NMIH
Benjamin Graham	28F	17F	NMIH
Philip Fisher

Side-by-side metrics

Metric	NMIH	PFH
Market cap	$2.84B	$5.65B
P/E (TTM)	7.4x	10.1x
EV/EBIT	-	8.2x
ROIC (TTM)	-0.16%	0.47%
Gross margin	89.66%	32.9%
Net margin	53.84%	5.51%
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 -18.08%+192%
Revenue CAGR 5y9.79%vs -3.86%+139%
EV/EBIT-vs 8.2x+106%
Debt / Equity0.0xvs 0.6x

More like NMIH

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

More like PFH

PFH 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.