NMI Holdings, Inc.

NMIH

NMI Holdings, Inc., together with its subsidiaries, provides private mortgage guaranty insurance services in the United States. It provides primary mortgage insurance services; and outsourced loan review services to mortgage loan originators. The company serves national and regional mortgage banks, money center banks, credit unions, community banks, builder-owned mortgage lenders, internet-sourced lenders, and other non-bank lenders. NMI Holdings, Inc. was incorporated in 2011 and is headquartered in Emeryville, California.

About the company

Country: United StatesPrice: $38.65Market Cap: $2.9B

Investment snapshot

44%positive consensus

Scored 1d ago

Positive

BUY / PASS

Neutral / negative

7 / 2

NEUTRAL / FAIL

Median fair value

$86.70

+124.3% vs price

Models with upside

9 / 16

Positive margin of safety

Strongest signal

All 10 investors pass NMIH's cash flow

Key risk

Split decision: 7 NEUTRAL · 4 BUY · 3 PASS · 2 FAIL

Framework analysis

Verdict	Meaning
BUY	Positive purchase signal: the framework's buy requirements are met.
PASS	The company clears the framework's checklist or screen, but the framework does not produce a buy signal. For valuation frameworks this often means margin of safety is missing, insufficient, or unavailable; some screen-only frameworks have no intrinsic-value BUY state.
NEUTRAL	Neither a positive nor negative conclusion. It does not mean to hold an existing position.
FAIL	The company does not clear the framework's requirements.
Ranked	Ranked strategies do not use PASS: selected cohort is BUY, outside the cohort is FAIL, and unranked is NEUTRAL.

Current investor scores use trailing 12-month flows and the latest balance sheet where supported. Multi-year and EPS tests retain annual history; each framework shows its financial basis below. Intrinsic values use annual financials.

Metric	Graham Defensive Value	Buffett Quality Compounder	Lynch GARP	Piotroski F-Score	Dreman Contrarian Value	Munger Quality Focus	Pabrai Dhandho Framework	Akre Three-Legged Stool	Marks Risk-Aware Value	Ackman Activist Value	Templeton Global Bargain Hunter	Sleep Scale Economies Shared	Asness Systematic Factors	Neff Low-P/E Total Return	Schloss Asset-Value Discipline	O'Shaughnessy Systematic Factor Composite
Verdict	PASS	PASS	FAIL	NEUTRAL	BUY	BUY	NEUTRAL	PASS	NEUTRAL	BUY	NEUTRAL	BUY	NEUTRAL	NEUTRAL	FAIL	NEUTRAL
Score
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Intrinsic Value (annual)				N/A								N/A	N/A	N/A	N/A	N/A
Margin of Safety	+37.0%	+69.7%	+56.9%	N/A	+41.4%	+66.8%	+53.8%	+71.3%	+4.0%	+72.4%	-28.0%	N/A	N/A	N/A	N/A	N/A
Financial Basis	TTM ended 2026-09-30 · Annual history · FY 2025 Latest source filing: 2026-11-06 Score computed: 2026-11-14	Annual history · FY 2025 · TTM ended 2026-09-30 Latest source filing: 2026-11-06 Score computed: 2026-11-14	Annual history · FY 2025 · Balance sheet at 2026-09-30 · TTM ended 2026-09-30 vs 2025-09-30 · TTM ended 2026-09-30 Latest source filing: 2026-11-06 Score computed: 2026-11-14	Annual history · FY 2025 Latest source filing: 2026-02-12 Score computed: 2026-11-14	Annual history · FY 2025 · TTM ended 2026-09-30 · Balance sheet at 2026-09-30 · Market data at 2026-11-01 Latest source filing: 2026-11-06 Score computed: 2026-11-14	Qualitative assessment · Annual history · FY 2025 · Balance sheet at 2026-09-30 Latest source filing: 2026-11-06 Score computed: 2026-11-14	Qualitative assessment · Annual history · FY 2025 Latest source filing: 2026-02-12 Score computed: 2026-11-14	Annual history · FY 2025 · Qualitative assessment · TTM ended 2026-09-30 · Balance sheet at 2026-09-30 Latest source filing: 2026-11-06 Score computed: 2026-11-14	Annual history · FY 2025 · Qualitative assessment Latest source filing: 2026-02-12 Score computed: 2026-11-14	Annual history · FY 2025 · TTM ended 2026-09-30 · Balance sheet at 2026-09-30 · Market data at 2026-11-01 Latest source filing: 2026-11-06 Score computed: 2026-11-14	Annual history · FY 2025 · Price history 2025-01-01–2026-11-01 · Balance sheet at 2026-09-30 Latest source filing: 2026-11-06 Score computed: 2026-11-14	Annual history · FY 2025 · Qualitative assessment Latest source filing: 2026-02-12 Score computed: 2026-11-14	TTM ended 2026-09-30 · Balance sheet at 2026-09-30 · Price history 2025-01-01–2026-11-01 · Annual history · FY 2025 Latest source filing: 2026-11-06 Score computed: 2026-11-14	Annual history · FY 2025 · TTM ended 2026-09-30 Latest source filing: 2026-11-06 Score computed: 2026-11-14	Annual history · FY 2025 · Balance sheet at 2026-09-30 Latest source filing: 2026-11-06 Score computed: 2026-11-14	TTM ended 2026-09-30 · Annual history · FY 2025 · Price history 2025-01-01–2026-11-01 Latest source filing: 2026-11-06 Score computed: 2026-11-14

Where It Passes

Cash Flow100% pass✓ 12▾
All 10 investors pass NMIH's cash flow
Free Cash Flow Proxy$393.4M
✓BuffettPositive and growing
FCF Positive and Growing$424.3M
✓LynchPositive and growing
Operating Cash Flow$419.3M
✓PiotroskiCFO > 0
(CFO / Total Assets) vs ROACFO/Assets=10.92%, ROA=10.13%
✓PiotroskiCFO/Assets > ROA
Price / (CFO / Shares)7.0x
✓Dreman< 8x
P/E or FCF YieldP/E=7.9x, FCF Yield=14.3%
✓PabraiP/E < 15 or FCF Yield > 10%
FCF Positive11/14 years FCF positive
✓MarksPositive FCF in majority of recent years
(OCF - CapEx) / Market Cap14.4%
✓Ackman>= 4%
Price / FCF per Share7.1x
✓Ackman<= 25
Positive Operating Cash Flow frequency11/14 years positive
✓SleepPositive OCF in >= 70% of available years
Operating Cash Flow - Capital Expenditures$424.3M
✓Neff> $0 (app proxy for a strong fundamental case)
(Operating cash flow - capex) / market capitalization+14.72%; #419/4519 (top 9.3%)
✓OshaughnessyTop 10% of eligible cross-section
Valuation models90% pass✓ 9✗ 1▾
Models split on NMIH at $38.65 — fair values range $30.19–$140.11
Graham fair value$61.33
✓Graham+37.0% margin vs $38.65
Buffett fair value$127.47
✓Buffett+69.7% margin vs $38.65
Lynch fair value$89.68
✓Lynch+56.9% margin vs $38.65
Dreman fair value$65.95
✓Dreman+41.4% margin vs $38.65
Munger fair value$116.52
✓Munger+66.8% margin vs $38.65
Pabrai fair value$83.72
✓Pabrai+53.8% margin vs $38.65
Akre fair value$134.75
✓Akre+71.3% margin vs $38.65
Marks fair value$40.24
✓Marks+4.0% margin vs $38.65
Ackman fair value$140.11
✓Ackman+72.4% margin vs $38.65
Templeton fair value$30.19
✗Templeton-28.0% margin vs $38.65
Verdicts78% pass✓ 7✗ 2▾
Split decision: 7 NEUTRAL · 4 BUY · 3 PASS · 2 FAIL
Overall verdict
✓GrahamPASS (4/7)✓BuffettPASS (4/7)✗LynchFAIL (4/6)•PiotroskiNEUTRAL (F-Score 5)✓DremanBUY (8/10)✓MungerBUY (3/4)•PabraiNEUTRAL (2/3)✓AkrePASS (3/6)•MarksNEUTRAL (5/5)✓AckmanBUY (8/9)•TempletonNEUTRAL (6/8)✓SleepBUY (6/6)•AsnessNEUTRAL (Not ranked)•NeffNEUTRAL (4/6)✗SchlossFAIL (3/7)•OshaughnessyNEUTRAL (Not ranked)
Valuation75% pass✓ 21✗ 5▾
9 of 12 pass — Neff, Schloss and Oshaughnessy object
Price / Book Value per Share1.1x
✓Dreman< 1.2x✓Templeton< 1.5x✗SchlossP/B <= 0.80x (app cutoff)
Price / 3-yr avg EPS8.8x
✓Graham<= 15x
Price-to-Book Ratio1.1x
✓Graham<= 1.5x
P/E x P/B10.00
✓Graham<= 22.5
Basic earnings-growth PEG (dividends excluded)0.43
✓Lynch< 1.0 (ideally < 0.5)
Price / EPS7.9x
✓Dreman< 12x✓Templeton< 12x (fixed ceiling; proxy for the market's cheapest 40%)
Price / (CFO / Shares)7.0x
✓Dreman< 8x
Valuation ReasonablenessP/E=7.9x, OE Yield=13.3%
✓MungerP/E < 25 or Owner Earnings Yield > 5%
P/E or FCF YieldP/E=7.9x, FCF Yield=14.3%
✓PabraiP/E < 15 or FCF Yield > 10%
P/B or P/E vs. Historical AverageP/E=7.9x, P/B=1.1x
✓MarksP/E < 15 or P/B < 2.0
Discount to Intrinsic Value41.4% (IV=$65.95 vs Price=$38.65)
✓Marks>= 20% below intrinsic value
Price / FCF per Share7.1x
✓Ackman<= 25
Price vs. Trailing Low107% of trailing low ($36.05)
✓Templeton<= 120% of trailing low (certified split-adjusted live window)
Net income / market capitalization+13.63%; #421/6340 (top 6.6%)
✓AsnessTop 30% of eligible cross-section✓OshaughnessyTop 10% of eligible cross-section
Positive book equity / market capitalization+0.9379; #1604/6449 (top 24.9%)
✓AsnessTop 30% of eligible cross-section
Price / Diluted EPS7.9x
✓NeffP/E <= 15x (app proxy for a P/E 40%-60% below the market)
(EPS CAGR % + Dividend Yield %) / P/E
✗Neff> 0.7 (Neff's published traditional edge)
Price / Tangible Book Value per Share1.14x
✗SchlossP/TBV <= 1.00x (app cutoff)
Book Value per Share Change+111.6%
✓SchlossLatest BVPS >= earliest BVPS over >= 3 years (app rule)
Revenue / market capitalization+0.2567; #3524/5247 (top 67.2%)
✗OshaughnessyTop 10% of eligible cross-section
(Operating cash flow - capex) / market capitalization+14.72%; #419/4519 (top 9.3%)
✓OshaughnessyTop 10% of eligible cross-section
Trailing six-month price return through the evaluation date-0.15%; #2799/6202 (top 45.1%)
✗OshaughnessyTop 10% of eligible cross-section
Growth75% pass✓ 10✗ 2▾
6 of 8 pass — Graham and Dreman object
EPS Growth (3-yr avg, 10-yr window)
✗Graham>= 33% growth
Basic earnings-growth PEG (dividends excluded)0.43
✓Lynch< 1.0 (ideally < 0.5)
3-5 Year EPS CAGR18.2%
✓Lynch15-30% (Fast Grower); > 0% to pass
EPS Growth Direction
✗DremanPositive over recent years
EPS CAGR18.4% CAGR over 9 years
✓Dreman> 5% annualized
Positive Net Income Frequency10/15 years positive
✓MarksPositive net income in >= 7 of last 10 years
3yr Median Revenue Growth10.6%
✓Ackman>= 5%
Positive EPS Growth Frequency5/5 years with positive EPS growth
✓AckmanPositive EPS growth in >= 3 of last 5 years
5-Year EPS CAGR18.2% CAGR over 5 years
✓Templeton> 0% (5-year EPS CAGR)
Revenue growth vs. gross and operating margin trendrevenue up, operating margin 71.3% -> 70.7%
✓SleepRevenue rising; gross margin flat or falling; operating margin holding
5-year Revenue CAGR10.3%
✓SleepCAGR > 7%
3-5 Year Diluted EPS CAGR18.2% over 5 years
✓Neff7%-20% annualized
Debt & Leverage73% pass✓ 10✗ 3▾
8 of 11 pass — Lynch, Asness and Schloss object
Debt/Equity & Interest CoverageD/E: 0.15, IC: 18.7x
✓BuffettD/E < 0.5 AND Interest Coverage > 5x
Total Debt / Equity0.15
✓Lynch< 0.33
Cash - Long-term Debt
✗LynchPositive preferred
LT Debt / Total Assets Change0.00% -> 0.00%
✓PiotroskiDecreased YoY
Total Debt / Shareholders' Equity0.15
✓Dreman< 0.8✓Templeton< 1.0 (fixed cap; proxy for below-sector-median leverage)✓SchlossD/E < 1.00x
Debt Levels0.15
✓MungerDebt/Equity < 0.5✓AkreDebt/Equity < 0.3
Interest Coverage & Debt/EBITDAIC=15.9x, D/EBITDA=0.8x
✓MarksInterest Coverage > 3x; Debt/EBITDA < 4x
Total Debt / Shareholders Equity0.15
✓Ackman<= 1.0
Negative debt-to-equity (higher means less debt)-0.1549; #1518/4210 (top 36.1%)
✗AsnessTop 30% of eligible cross-section
Current Assets / Current Liabilities
✗SchlossCurrent ratio >= 1.50x (app cutoff)

Where It Falls Short

Efficiency25% pass✓ 2✗ 3▾
3 of 4 flag NMIH's efficiency — Piotroski, Munger and Akre
Revenue / Total Assets Change YoY0.19x -> 0.18x
✗PiotroskiImproved YoY
Return on Invested Capital13.1%
✗Munger> 15%
ROIC (high and growing)FY2023: ROIC=14.0%; FY2024: ROIC=13.9%; FY2025: ROIC=13.1%
✗AkreLatest 3 consecutive FYs: ROIC > 15% in each
Reinvestment Rate x ROIC13.1% (RR=100% x ROIC=13.1%)
✓AkreReinvestment Rate * ROIC > 10%
ROIC (5-year)4/5 years above 12% (latest 13.1%)
✓SleepROIC > 12% in a majority of years
Profitability47% pass✓ 21✗ 11▾
8 of 15 flag NMIH's profitability — Graham, Buffett, Lynch +5 more
Positive EPS (10 years)10/16 years positive
✗GrahamPositive EPS every year for 10 years
EPS Growth (3-yr avg, 10-yr window)
✗Graham>= 33% growth
Net Income Positive (10+ years)10/16 years positive
✗BuffettPositive every year for 10+ years
ROE (up to 5-year arithmetic mean)16.2%
✓Buffett> 15% arithmetic mean (app rule)
Operating Margin (10-yr trend)70.7% (latest)
✓BuffettStable or rising over 10 years
Free Cash Flow Proxy$393.4M
✓BuffettPositive and growing
Earnings Variance (10-yr CoV)
✗BuffettCoV < 0.3
Retained Earnings Effectiveness
✗Buffett$1 retained -> > $1 market value created
Basic earnings-growth PEG (dividends excluded)0.43
✓Lynch< 1.0 (ideally < 0.5)
3-5 Year EPS CAGR18.2%
✓Lynch15-30% (Fast Grower); > 0% to pass
ROE14.5%
✗Lynch> 15%
Net Income / Total Assets10.13%
✓PiotroskiROA > 0
ROA Change YoY10.75% -> 10.13% (delta: -0.62%)
✗PiotroskiCurrent ROA > Prior ROA
(CFO / Total Assets) vs ROACFO/Assets=10.92%, ROA=10.13%
✓PiotroskiCFO/Assets > ROA
Pre-Tax Income / Revenue68.1%
✓Dreman>= 8%
Net Income / Shareholders' Equity14.5%
✓Dreman> 12%
Margin of SafetyP/E=7.9x, P/B=1.1x
✓PabraiP/B < 1.5 or P/E < 15
Return on Equity16.0% (3-yr avg)
✗AkreROE > 20% (3-year avg)
Discount to Intrinsic Value41.4% (IV=$65.95 vs Price=$38.65)
✓Marks>= 20% below intrinsic value
Positive Net Income Frequency10/15 years positive
✓MarksPositive net income in >= 7 of last 10 years
Operating Income / Revenue70.7%
✓Ackman>= 15%
Net Income / Shareholders Equity14.5%
✗Ackman>= 15%
5-Year EPS CAGR18.2% CAGR over 5 years
✓Templeton> 0% (5-year EPS CAGR)
Operating Margin Trend71.3% (2023) -> 70.7% (2025)
✗TempletonNon-negative operating-margin trend over 3 years
Revenue growth vs. gross and operating margin trendrevenue up, operating margin 71.3% -> 70.7%
✓SleepRevenue rising; gross margin flat or falling; operating margin holding
Net income / market capitalization+13.63%; #421/6340 (top 6.6%)
✓AsnessTop 30% of eligible cross-section✓OshaughnessyTop 10% of eligible cross-section
Gross profit / total assets
✗AsnessTop 30% of eligible cross-section
Net income / positive book equity+14.53%; #1209/5226 (top 23.1%)
✓AsnessTop 30% of eligible cross-section
Negative 5-year standard deviation of ROA-0.0075; #652/5884 (top 11.1%)
✓AsnessTop 30% of eligible cross-section
3-5 Year Diluted EPS CAGR18.2% over 5 years
✓Neff7%-20% annualized
Positive Diluted-EPS Years10/10 years positive
✓Schloss>= 70% positive over 5-10 observed years (app rule)

Business & financials

Financial snapshot: annual FY 2025. Current investor scores may use newer quarterly data.

Company Profile

Industry: Insurance

SIC Sector: Insurance Carriers

Size: Mid Cap($2.9B)

Revenue: $706.4M+8.5% YoY

Net Income: $388.9M+8.0% YoY

Financial Snapshot

Operating Margin70.7%

Return on Equity15.0%

Debt / Equity0.16

Current Ratio--

EPS (Diluted)$4.92+11.1% 1y

Buybacks (1y)$105.1M

Buybacks (2y)$202.7M

Shares Retired2.9% / 5.7% 2y

Similar Companies

UNHUNITEDHEALTH GROUP INC

$365.1B

PGRPROGRESSIVE CORP/OH/

$136.6B

MRSHMARSH & MCLENNAN COMPANIES, INC.

$98.8B

CILJFCHINA LIFE INSURANCE CO LTD

$85.1B

Sector-adjusted criteria: Insurer

Insurers file unclassified balance sheets with no inventory or current accounts, so those criteria are omitted rather than failed for missing data. Return-on-invested-capital tests are omitted too: float funds the balance sheet but never appears in invested capital, and the portfolio it is invested in would be subtracted as spare cash. Debt tests are kept — an insurer’s borrowings are real leverage on top of underwriting.

Shareholder Return

Fiscal 2025

Retired 2.9% of shares last year, 5.7% over two.

Buybacks: $105.1M
Dividends: —

What drove EPS

A buyback raises earnings per share without the company earning more. This splits each year's change into the two.

FY22

27.9% = 26.7% + 0.9%

FY23

13.3% = 10.0% + 3.0%

FY24

15.4% = 11.8% + 3.2%

FY25

11.1% = 8.0% + 2.8%

Earnings Fewer shares More shares

Share count is the denominator the filer used for diluted EPS, recovered as net income ÷ EPS — not the balance-sheet count, which is a point-in-time figure and would put the timing difference into this split. Years with a loss are omitted: a smaller share count makes a loss per share larger, so the decomposition inverts.

Company Financials

Latest TTM and quarters alongside annual years

TTM sums four consecutive quarters and uses the latest quarter-end balances. Quarter columns show three-month results; annual columns show full-year totals. Growth compares the same period a year earlier. EPS is not added for TTM; full-year ratios are blank for quarters.

The latest annual period end is unavailable. Showing the latest fiscal cycle’s quarters; quarter and annual columns may overlap. Quarterly shows the full quarter history.

Metric	TTM · 2026-09-30 2025-10-01 – 2026-09-30 Sources · derived quarter values 10-K · 2026-02-12 10-Q · 2026-05-01 10-Q · 2026-07-31 10-Q · 2026-11-06 Derived from cumulative filings: revenue, net income, pre tax income, interest expense, operating cash flow, capex, buybacks.	Q3 FY 2026 2026-07-01 – 2026-09-30 Sources · derived quarter values 10-Q · 2026-11-06 Derived from cumulative filings: operating cash flow, capex, buybacks.	Q2 FY 2026 2026-04-01 – 2026-06-30 Sources · derived quarter values 10-Q · 2026-07-31 Derived from cumulative filings: operating cash flow, capex, buybacks.	Q1 FY 2026 2026-01-01 – 2026-03-31 Sources 10-Q · 2026-05-01	FY 2025 Sources 10-K · 2026-02-12	FY 2024 Sources 10-K · 2025-02-14	FY 2023 Sources 10-K · 2024-02-15	FY 2022 Sources 10-K · 2023-02-15	FY 2021 Sources 10-K · 2022-02-16
Market Cap	$2.9Bcurrent	--	--	--	$3.0Best.	$3.0Best.	$2.6Best.	$1.9Best.	$2.1Best.
Revenue	$739.7M↑7%	$187.6M↑5%	$187.9M↑8%	$183.5M↑6%	$706.4M↑9%	$651.0M↑12%	$579.0M↑11%	$523.3M↑8%	$485.1M
Operating Income	--	--	--	--	$499.8M↑8%	$463.4M↑12%	$412.7M↑9%	$377.3M↑27%	$296.7M
Net Income	$392.8M↑3%	$93.5M↓3%	$105.8M↑10%	$99.3M↓3%	$388.9M↑8%	$360.1M↑12%	$322.1M↑10%	$292.9M↑27%	$231.1M
EPS (Diluted)	--	$1.23↑1%	$1.38↑14%	$1.28	$4.92↑11%	$4.43↑15%	$3.84↑13%	$3.39↑28%	$2.65
Gross Margin	—	—	—	—	—	—	—	—	—
Operating Margin	—	—	—	—	70.7%↓1%	71.2%	71.3%↓1%	72.1%↑18%	61.2%
ROE	14.5%↓4%	—	—	—	15.0%↓8%	16.2%↓3%	16.7%↓8%	18.2%↑23%	14.8%
Total Debt	$418.5M	$418.5M	$418.0M	$417.5M	$417.0M	$415.1M↑4%	$397.6M	$396.1M	$394.6M
Shareholders' Equity	$2.7B↑7%	$2.7B↑7%	$2.7B↑12%	$2.6B↑13%	$2.6B↑17%	$2.2B↑15%	$1.9B↑19%	$1.6B↑3%	$1.6B
Current Ratio	—	—	—	—	—	—	—	—	—
Debt / Equity	0.15↓7%	0.15↓7%	0.15↓10%	0.16↓11%	0.16↓14%	0.19↓9%	0.21↓16%	0.25↓3%	0.25
Operating Cash Flow	$431.4M↑10%	$110.9M↓13%	$142.6M↑11%	$116.1M↑15%	$419.3M↑7%	$393.6M↑15%	$342.7M↑9%	$313.4M↓4%	$325.7M
Free Cash Flow	$424.3M↑10%	$108.9M↓14%	$140.2M↑11%	$115.0M↑16%	$412.5M↑7%	$386.7M↑16%	$333.3M↑10%	$302.8M↓3%	$313.5M

Score history

Historical Score Timeline

Industry peers

Industry Peers

Similar companies in Insurance

NMIH vs Peers — Financial Grading

Revenue$706.4MBottom 25%

Net Income$388.9MBottom 25%

ROE15.0%Median

D/E0.16Top 25%

Op. Margin70.7%Top 25%

Curr. Ratio—

Company	Market Cap	Price	Revenue	Net Income	ROE	D/E	Op. Margin	Curr. Ratio	Graham	Buffett	Lynch	Piotroski	Dreman
UNITEDHEALTH GROUP INCUNH	$365.1B	$407.46	$447.6B	$12.1B	12.0%	0.78	4.2%	0.79	3/7	4/7	2/6	F-Score 6	3/10
PROGRESSIVE CORP/OH/PGR	$136.6B	$235.78	$87.7B	$11.3B	37.3%	0.23	—	—	2/7	2/7	4/6	F-Score 6	8/10
MARSH & MCLENNAN COMPANIES, INC.MRSH	$98.8B	$207.78	$27.0B	$4.2B	27.2%	1.28	23.1%	1.10	3/7	3/7	2/6	F-Score 6	5/10
CHINA LIFE INSURANCE CO LTDCILJF	$85.1B	$3.01	—	—	—	—	—	—	5/7	1/7	3/6	F-Score 5	5/10
Aon plcAON	$71.8B	$338.31	$17.2B	$3.7B	39.5%	1.63	25.3%	1.11	2/7	4/7	3/6	F-Score 6	3/10
HUMANA INCHUM	$54.0B	$450.00	$129.7B	$1.2B	6.7%	0.70	2.1%	2.00	3/7	2/7	1/6	F-Score 4	4/10
SUN LIFE FINANCIAL INCSLF	$40.5B	$72.93	$30.6B	$2.6B	14.5%	0.33	—	—	3/7	3/7	2/6	F-Score 6	6/10
HARTFORD INSURANCE GROUP, INC.HIG	$36.8B	$137.48	$28.4B	$3.8B	20.2%	0.23	—	—	3/7	3/7	4/6	F-Score 7	8/10