` Comparison: NMIH vs UWMC - Alpha Spread
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NMIH
vs
UWMC

Over the past 12 months, NMIH has outperformed UWMC, delivering a return of +1% compared to the UWMC's 16% drop.

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NMIH
UWMC
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Stocks Compared:
NMIH UWMC
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Valuation Comparison

NMIH Intrinsic Value
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UWMC Intrinsic Value
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Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
NMI Holdings Inc
NASDAQ:NMIH
38.61 USD
UWM Holdings Corp
NYSE:UWMC
4.94 USD
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Valuation Scenario:
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Growth Comparison

Growth Over Time
NMIH, UWMC

NMIH
UWMC
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
NMI Holdings Inc
Revenue
UWM Holdings Corp
Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
NMIH, UWMC

NMIH
UWMC
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
NMI Holdings Inc
NASDAQ:NMIH
FCF is not applicable for financial companies
UWM Holdings Corp
NYSE:UWMC
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What is Free Cash Flow?

Gross Margin

NMIH
UWMC
88.5%
LTM 3Y Avg 5Y Avg 10Y Avg
NMI Holdings Inc
Not applicable for financial companies
UWM Holdings Corp

Operating Margin

NMIH
UWMC
47.1%
LTM 3Y Avg 5Y Avg 10Y Avg
NMI Holdings Inc
Not applicable for financial companies
UWM Holdings Corp

Net Margin

NMIH
55%
UWMC
0.6%
LTM 3Y Avg 5Y Avg 10Y Avg
NMI Holdings Inc
UWM Holdings Corp

FCF Margin

NMIH
UWMC
-114.3%
LTM 3Y Avg 5Y Avg 10Y Avg
NMI Holdings Inc
Not applicable for financial companies
UWM Holdings Corp

ROE

NMIH
16.2%
UWMC
11.4%
LTM 3Y Avg 5Y Avg 10Y Avg
NMI Holdings Inc
UWM Holdings Corp

ROA

NMIH
10.8%
UWMC
0.1%
LTM 3Y Avg 5Y Avg 10Y Avg
NMI Holdings Inc
UWM Holdings Corp

ROIC

NMIH
UWMC
8.9%
LTM 3Y Avg 5Y Avg 10Y Avg
NMI Holdings Inc
Not applicable for financial companies
UWM Holdings Corp

ROCE

NMIH
UWMC
9.2%
LTM 3Y Avg 5Y Avg 10Y Avg
NMI Holdings Inc
Not applicable for financial companies
UWM Holdings Corp

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
NMIH, UWMC

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NMIH
UWMC
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Performance Gap
NMIH, UWMC

Performance Gap Between NMIH and UWMC
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Performance By Year
NMIH, UWMC

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NMIH
UWMC
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