AXIS Capital Holdings Ltd (AXS)vsNMI Holdings Inc (NMIH)
AXS
AXIS Capital Holdings Ltd
$101.04
-0.41%
FINANCIAL SERVICES · Cap: $7.82B
NMIH
NMI Holdings Inc
$37.22
+0.05%
FINANCIAL SERVICES · Cap: $2.86B
Smart Verdict
WallStSmart Research — data-driven comparison
AXIS Capital Holdings Ltd generates 829% more annual revenue ($6.56B vs $706.44M). NMIH leads profitability with a 55.0% profit margin vs 15.4%. AXS appears more attractively valued with a PEG of 1.18. AXS earns a higher WallStSmart Score of 74/100 (B).
AXS
Strong Buy74
out of 100
Grade: B
NMIH
Strong Buy71
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+60.0%
Fair Value
$253.92
Current Price
$101.04
$152.88 discount
Margin of Safety
+68.2%
Fair Value
$128.71
Current Price
$37.22
$91.49 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Conservative balance sheet, low leverage
Strong operational efficiency at 20.2%
17.8% revenue growth
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 55 of every $100 in revenue as profit
Strong operational efficiency at 71.0%
Areas to Watch
Distress zone — elevated risk
Expensive relative to growth rate
Comparative Analysis Report
WallStSmart ResearchBull Case : AXS
The strongest argument for AXS centers on P/E Ratio, Price/Book, Debt/Equity. Profitability is solid with margins at 15.4% and operating margin at 20.2%. Revenue growth of 17.8% demonstrates continued momentum.
Bull Case : NMIH
The strongest argument for NMIH centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 55.0% and operating margin at 71.0%.
Bear Case : AXS
The primary concerns for AXS are Altman Z-Score.
Bear Case : NMIH
The primary concerns for NMIH are PEG Ratio.
Key Dynamics to Monitor
AXS profiles as a growth stock while NMIH is a mature play — different risk/reward profiles.
NMIH carries more volatility with a beta of 0.63 — expect wider price swings.
AXS is growing revenue faster at 17.8% — sustainability is the question.
AXS generates stronger free cash flow (614M), providing more financial flexibility.
Bottom Line
AXS scores higher overall (74/100 vs 71/100), backed by strong 15.4% margins and 17.8% revenue growth. NMIH offers better value entry with a 68.2% margin of safety. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
AXIS Capital Holdings Ltd
FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA
AXIS Capital Holdings Limited, offers various specialized insurance and reinsurance products worldwide. The company is headquartered in Pembroke, Bermuda.
Visit Website →NMI Holdings Inc
FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA
NMI Holdings, Inc. provides private home equity insurance services in the United States. The company is headquartered in Emeryville, California.
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