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ARX vs NMIH

ARX
Accelerant Holdings
NEUTRAL
Price
$13.31
Market Cap
$2.96B
Sector
Financial Services
AI Confidence
80%
NMIH
NMI Holdings, Inc.
BULLISH
Price
$38.85
Market Cap
$2.96B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
ARX
--
NMIH
7.96
Forward P/E
ARX
15.4
NMIH
7.07
P/B Ratio
ARX
4.23
NMIH
1.14
P/S Ratio
ARX
3.45
NMIH
4.19
EV/EBITDA
ARX
14.59
NMIH
6.02

Profitability

Gross Margin
ARX
66.8%
NMIH
78.02%
Operating Margin
ARX
7.77%
NMIH
70.98%
Profit Margin
ARX
-166.41%
NMIH
55.05%
ROE
ARX
-245.55%
NMIH
16.17%
ROA
ARX
0.51%
NMIH
9.18%

Growth

Revenue Growth
ARX
49.2%
NMIH
8.5%
Earnings Growth
ARX
--
NMIH
12.1%

Financial Health

Debt/Equity
ARX
0.17
NMIH
0.16
Current Ratio
ARX
10.73
NMIH
1.97
Quick Ratio
ARX
10.43
NMIH
0.62

Dividends

Dividend Yield
ARX
--
NMIH
--
Payout Ratio
ARX
0.0%
NMIH
0.0%

AI Verdict

ARX NEUTRAL

ARX shows neutral fundamentals based on deterministic rules. Financial strength is weak (F-Score 2/9). Mixed signals with both opportunities and risks present.

Strengths
Strong revenue growth of 49.2%
Low debt with D/E ratio of 0.17
Risks
Low profit margin of -166.4%
Weak financial trend (Piotroski F-Score: 2/9)
Weak ROE of -245.6%
NMIH BULLISH

NMIH presents a compelling value opportunity, characterized by a stable Piotroski F-Score of 4/9 and a significant valuation gap, with the current price ($38.85) trading well below both the Graham Number ($61.08) and the Intrinsic Value ($122.73). The company demonstrates exceptional earnings consistency, beating estimates in nearly every quarter over a 25-quarter lookback period. While insider sentiment is bearish and technical trends are weak, the fundamental profitability (55% profit margin) and low leverage (0.16 Debt/Equity) provide a strong safety margin. The stock is fundamentally undervalued relative to its earnings power and book value.

Strengths
Significant undervaluation relative to Graham Number ($61.08) and Intrinsic Value ($122.73)
Exceptional earnings track record with consistent beats over 25 quarters
Very low leverage with a Debt/Equity ratio of 0.16
Risks
Strong bearish insider sentiment with $5.18M in net sales and zero buys
Bearish technical trend (0/100 score)
Lack of dividend yield for income-seeking investors

Compare Another Pair

ARX vs NMIH: Head-to-Head Comparison

This page compares Accelerant Holdings (ARX) and NMI Holdings, Inc. (NMIH) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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