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AMERISAFE, Inc. (AMSF) vs NMI Holdings Inc (NMIH)

AMERISAFE, Inc. and NMI Holdings Inc are both Insurance Specialty companies. NMI Holdings Inc is the larger, with a market value of $3.3B against $376.8M — 8.8× the size. NMI Holdings Inc trades at the lower P/E: 8.5× against 9.4×. AMERISAFE, Inc. grew revenue faster over the last twelve months: 7.68% against 7.53%. NMI Holdings Inc has the higher net margin (54.1% vs 12.1%) and the lower return on invested capital (10.4% vs 15.9%). Across the 20 metrics below, NMI Holdings Inc leads on 14 and AMERISAFE, Inc. on 6.

Valuation

Metric AMSF NMIH Insurance Specialty median
P/E 9.39 8.54 9.49
P/S 1.13 4.58 1.69
P/B 1.58 1.24 1.23
Price to free cash flow 30.48 7.57 8.44
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 10.65% 11.72% 10.48%
Free cash flow yield 3.28% 13.21% 10.87%

Profitability

Metric AMSF NMIH Insurance Specialty median
Gross margin 26.32% 89.94% 56.22%
Operating margin 15.03% 73.24% 15.19%
Net margin 12.10% 54.10% 13.80%
Free cash flow margin 3.70% 60.43% 34.47%
Return on equity 15.76% 15.43% 12.01%
Return on assets 3.55% 10.42% 3.55%
Return on invested capital 15.85% 10.38% 9.88%

Growth

Metric AMSF NMIH Insurance Specialty median
Revenue growth (TTM) 7.68% 7.53% 7.68%
EPS growth (last fiscal year) (14.53%) 11.06% 8.65%
Revenue growth, 5-year CAGR (1.35%) 10.27% 2.24%
Net income growth, 5-year CAGR (11.45%) 17.78% 0.00%

Health

Metric AMSF NMIH Insurance Specialty median
Debt to equity 0.00 0.15 0.16
Current ratio 0.41 0.56 0.52
Net debt to EBITDA (1.03) 0.69 0.28

Dividend

Metric AMSF NMIH Insurance Specialty median
Dividend yield 6.06% — 2.06%
Payout ratio 0.57 — 0.19

Size

Metric AMSF NMIH Insurance Specialty median
Market cap 376.77m 3.33b 3.31b

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