NMIH vs CARG

Comparison between NMI Holdings Inc - Class A (NMIH, Company) and CarGurus Inc - Class A (CARG, Company).

NMIH is from the Financial Services sector, while CARG is from the Consumer Cyclical sector.

5-Year PerformanceNMIH has outperformed CARG, delivering a return of +14.6% compared to +3.1%

NMIH vs CARG - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	NMIH(COMPANY)	CARG(COMPANY)
Market Cap	$3.17B	$3.17B
Max Drawdown	73.07%	78.66%
Sharpe Ratio	0.27	0.06
5Y Beta	0.55	1.06
Industry	Insurance - Specialty	Auto & Truck Dealerships
P/E Ratio	8.30	24.23
Forward P/E	8.19	13.32
PEG Ratio	1.35	1.02
5Y EPS CAGR	20.81%	19.66%
Debt to Equity	0.00%	0.00%
Free Cash Flow Yield	13.48%	9.24%
P/S Ratio	4.42	3.24
P/B Ratio	1.21	12.81

Market Cap

Winner

NMIH

$3.17B

CARG

$3.17B

Max Drawdown

Winner

NMIH

73.07%

CARG

78.66%

Sharpe Ratio

Winner

NMIH

0.27

CARG

0.06

5Y Beta

Winner

NMIH

0.55

CARG

1.06

Industry

NMIH

Insurance - Specialty

CARG

Auto & Truck Dealerships

P/E Ratio

Winner

NMIH

8.30

CARG

24.23

Forward P/E

Winner

NMIH

8.19

CARG

13.32

PEG Ratio

NMIH

1.35

Winner

CARG

1.02

5Y EPS CAGR

Winner

NMIH

20.81%

CARG

19.66%

Debt to Equity

NMIH

0.00%

CARG

0.00%

Free Cash Flow Yield

Winner

NMIH

13.48%

CARG

9.24%

P/S Ratio

NMIH

4.42

Winner

CARG

3.24

P/B Ratio

Winner

NMIH

1.21

CARG

12.81

NMIH vs CARG - Historical Returns

Returns include dividend reinvestment.

Period	NMIH	CARG
1 month	+8.25%	+8.28%
3 months	+1.02%	-12.06%
6 months	+10.17%	-3.06%
1 year	+8.06%	-3.09%
5 years(CAGR)	+14.60%	+3.14%
10 years(CAGR)	+21.24%	+2.05%
Max(CAGR)	+8.95%	+2.05%

NMIH

+8.25%

Winner

CARG

+8.28%

Winner

NMIH

+1.02%

CARG

-12.06%

Winner

NMIH

+10.17%

CARG

-3.06%

Winner

NMIH

+8.06%

CARG

-3.09%

5Y(CAGR)

Winner

NMIH

+14.60%

CARG

+3.14%

10Y(CAGR)

Winner

NMIH

+21.24%

CARG

+2.05%

Max(CAGR)

Winner

NMIH

+8.95%

CARG

+2.05%

NMIH vs CARG - Annual Returns (2013 - 2026)

Returns include dividend reinvestment.

Year	NMIH	CARG
2026	+2.39%	-12.46%
2025	+11.45%	+7.33%
2024	+23.94%	+55.36%
2023	+40.40%	+68.13%
2022	-5.77%	-59.97%
2021	-0.68%	+4.60%
2020	-29.81%	-13.09%
2019	+85.78%	+6.80%
2018	+0.56%	+11.95%
2017	+57.41%	+8.70%
2016	+60.15%	N/A
2015	-26.01%	N/A
2014	-26.75%	N/A
2013	-9.07%	N/A

NMIH vs CARG Drawdown Comparison

The maximum drawdown for NMIH was -73.07%, occurring on Mar 23, 2020. Recovery took 1112 trading sessions.

The maximum drawdown for CARG was -78.66%, occurring on Dec 7, 2022. This drawdown has not yet recovered.

The current NMIH drawdown is -3.64%. The current CARG drawdown is -41.05%.

Rank	NMIH	CARG
#1	-73.07% Feb 11, 2020 - Jul 15, 2024	-78.66% Sep 27, 2018 - Dec 7, 2022
#2	-68.83% Nov 27, 2013 - Oct 20, 2017	-20.79% Mar 12, 2018 - Jul 23, 2018
#3	-36.87% Feb 26, 2018 - Aug 2, 2018	-18.38% Jan 19, 2018 - Mar 6, 2018
#4	-32.65% Sep 26, 2018 - Feb 19, 2019	-13.04% Oct 31, 2017 - Jan 17, 2018
#5	-21.42% Sep 16, 2024 - Jun 23, 2025	-12.74% Aug 9, 2018 - Sep 26, 2018
#6	-20.01% Jun 20, 2019 - Nov 7, 2019	-11.65% Oct 16, 2017 - Oct 31, 2017
#7	-18.08% Jul 3, 2025 - Oct 16, 2025	-1.63% Jan 17, 2018 - Jan 19, 2018
#8	-11.63% Jan 23, 2018 - Feb 16, 2018	-1.50% Mar 6, 2018 - Mar 8, 2018
#9	-8.57% Dec 19, 2019 - Feb 11, 2020	-0.59% Jul 23, 2018 - Jul 25, 2018
#10	-7.92% Jul 29, 2024 - Aug 23, 2024	-0.16% Aug 2, 2018 - Aug 6, 2018
#11	-7.89% Apr 26, 2019 - May 21, 2019	-0.12% Jul 27, 2018 - Jul 31, 2018
#12	-6.71% Aug 2, 2018 - Sep 10, 2018	N/A
#13	-6.11% Nov 13, 2019 - Dec 18, 2019	N/A
#14	-5.32% Sep 4, 2024 - Sep 16, 2024	N/A
#15	-5.18% Mar 21, 2019 - Apr 1, 2019	N/A