NMI (NASDAQ:NMIH – Get Free Report) and Upexi (NASDAQ:UPXI – Get Free Report) are both finance companies, but which is the better investment? We will contrast the two companies based on the strength of their profitability, earnings, dividends, analyst recommendations, risk, valuation and institutional ownership.
Insider and Institutional Ownership
94.1% of NMI shares are owned by institutional investors. Comparatively, 5.7% of Upexi shares are owned by institutional investors. 2.4% of NMI shares are owned by insiders. Comparatively, 9.0% of Upexi shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.
Valuation and Earnings
This table compares NMI and Upexi”s revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| NMI | $706.44 million | 4.67 | $388.93 million | $5.08 | 8.64 |
| Upexi | $15.81 million | 5.18 | -$13.68 million | ($0.62) | -1.68 |
NMI has higher revenue and earnings than Upexi. Upexi is trading at a lower price-to-earnings ratio than NMI, indicating that it is currently the more affordable of the two stocks.
Profitability
This table compares NMI and Upexi’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| NMI | 54.10% | 15.13% | 10.21% |
| Upexi | -874.00% | -66.70% | -19.56% |
Analyst Recommendations
This is a breakdown of current ratings for NMI and Upexi, as reported by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| NMI | 0 | 2 | 4 | 0 | 2.67 |
| Upexi | 1 | 0 | 1 | 0 | 2.00 |
NMI currently has a consensus target price of $48.33, indicating a potential upside of 10.12%. Upexi has a consensus target price of $5.00, indicating a potential upside of 380.77%. Given Upexi’s higher probable upside, analysts clearly believe Upexi is more favorable than NMI.
Risk and Volatility
NMI has a beta of 0.53, indicating that its stock price is 47% less volatile than the S&P 500. Comparatively, Upexi has a beta of -0.21, indicating that its stock price is 121% less volatile than the S&P 500.
Summary
NMI beats Upexi on 11 of the 14 factors compared between the two stocks.
About NMI
NMI Holdings, Inc. provides private mortgage guaranty insurance services in the United States. The company offers mortgage insurance services, such as primary and pool insurance; and outsourced loan review services to mortgage loan originators. It 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. The company was incorporated in 2011 and is headquartered in Emeryville, California.
About Upexi
Upexi, Inc. manufactures and sells various branded products in the health, wellness, pet, beauty, and other markets. The company was formerly known as Grove, Inc. and changed its name to Upexi, Inc. in August 2022. The company was incorporated in 2018 and is headquartered in Clearwater, Florida.
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