NMI Holdings Inc (NMIH)vsRyan Specialty Group Holdings Inc (RYAN)
NMIH
NMI Holdings Inc
$43.44
-2.03%
FINANCIAL SERVICES · Cap: $3.24B
RYAN
Ryan Specialty Group Holdings Inc
$44.11
-5.11%
FINANCIAL SERVICES · Cap: $11.08B
Smart Verdict
WallStSmart Research — data-driven comparison
Ryan Specialty Group Holdings Inc generates 333% more annual revenue ($3.10B vs $716.67M). NMIH leads profitability with a 53.8% profit margin vs 3.5%. NMIH trades at a lower P/E of 8.7x. NMIH earns a higher WallStSmart Score of 67/100 (B-).
NMIH
Strong Buy67
out of 100
Grade: B-
RYAN
Buy57
out of 100
Grade: C
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 54 of every $100 in revenue as profit
Strong operational efficiency at 72.0%
Conservative balance sheet, low leverage
Earnings expanding 110.1% YoY
Every $100 of equity generates 21 in profit
15.8% revenue growth
Areas to Watch
Expensive relative to growth rate
0.0% earnings growth
Weak financial health signals
Trading at 8.9x book value
3.5% margin — thin
Weak financial health signals
Premium valuation, high expectations priced in
Comparative Analysis Report
WallStSmart ResearchBull Case : NMIH
The strongest argument for NMIH centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 53.8% and operating margin at 72.0%.
Bull Case : RYAN
The strongest argument for RYAN centers on EPS Growth, Return on Equity, Revenue Growth. Revenue growth of 15.8% demonstrates continued momentum.
Bear Case : NMIH
The primary concerns for NMIH are PEG Ratio, EPS Growth, Piotroski F-Score.
Bear Case : RYAN
The primary concerns for RYAN are Price/Book, Profit Margin, Piotroski F-Score. A P/E of 51.2x leaves little room for execution misses. Debt-to-equity of 5.88 is elevated, increasing financial risk.
Key Dynamics to Monitor
NMIH profiles as a mature stock while RYAN is a growth play — different risk/reward profiles.
RYAN carries more volatility with a beta of 0.60 — expect wider price swings.
RYAN is growing revenue faster at 15.8% — sustainability is the question.
NMIH generates stronger free cash flow (115M), providing more financial flexibility.
Bottom Line
NMIH scores higher overall (67/100 vs 57/100), backed by strong 53.8% margins. Both earn "Strong Buy" and "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.
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.
Ryan Specialty Group Holdings Inc
FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA
Ryan Specialty Group Holdings Inc is a leading provider of specialty insurance solutions, renowned for its innovative and tailored risk management services across various sectors. The company leverages a strong network of insurance wholesale operations and underwriting expertise to foster robust partnerships with insurers and distribution channels. By integrating advanced technology and analytics into its operations, Ryan Specialty enhances underwriting efficiencies and optimizes client outcomes. With a commitment to growth and operational excellence, the firm is well-positioned to generate sustainable shareholder value within a dynamic and competitive insurance landscape.
Visit Website →Compare with Other INSURANCE - SPECIALTY Stocks
Want to dig deeper into these stocks?