NMI Holdings Inc (NMIH)vsRyan Specialty Group Holdings Inc (RYAN)
NMIH
NMI Holdings Inc
$37.22
+0.05%
FINANCIAL SERVICES · Cap: $2.86B
RYAN
Ryan Specialty Group Holdings Inc
$33.50
-0.06%
FINANCIAL SERVICES · Cap: $8.86B
Smart Verdict
WallStSmart Research — data-driven comparison
Ryan Specialty Group Holdings Inc generates 324% more annual revenue ($2.99B vs $706.44M). NMIH leads profitability with a 55.0% profit margin vs 2.1%. NMIH trades at a lower P/E of 7.6x. NMIH earns a higher WallStSmart Score of 71/100 (B).
NMIH
Strong Buy71
out of 100
Grade: B
RYAN
Buy54
out of 100
Grade: C-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+68.2%
Fair Value
$128.71
Current Price
$37.22
$91.49 discount
Margin of Safety
-95.7%
Fair Value
$22.00
Current Price
$33.50
$11.50 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
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%
Earnings expanding 110.1% YoY
Areas to Watch
Expensive relative to growth rate
2.1% margin — thin
Weak financial health signals
Premium valuation, high expectations priced in
Distress zone — elevated risk
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 55.0% and operating margin at 71.0%.
Bull Case : RYAN
The strongest argument for RYAN centers on EPS Growth. Revenue growth of 13.6% demonstrates continued momentum.
Bear Case : NMIH
The primary concerns for NMIH are PEG Ratio.
Bear Case : RYAN
The primary concerns for RYAN are Profit Margin, Piotroski F-Score, P/E Ratio. A P/E of 71.3x leaves little room for execution misses. Debt-to-equity of 5.68 is elevated, increasing financial risk.
Key Dynamics to Monitor
NMIH profiles as a mature stock while RYAN is a value play — different risk/reward profiles.
RYAN carries more volatility with a beta of 0.65 — expect wider price swings.
RYAN is growing revenue faster at 13.6% — sustainability is the question.
RYAN generates stronger free cash flow (246M), providing more financial flexibility.
Bottom Line
NMIH scores higher overall (71/100 vs 54/100), backed by strong 55.0% 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, focused on delivering innovative risk management services across diverse sectors. The company leverages a vast network of insurance wholesale operations and underwriting expertise to meet the complex needs of its clients, backed by strong relationships with insurers and distribution channels. By integrating advanced technology and analytics, Ryan Specialty enhances underwriting efficiencies and client results, positioning itself as a key player in the evolving insurance landscape. With a commitment to strategic growth initiatives, the company is poised to create sustainable shareholder value in a dynamic market.
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