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Screener Weekly Summary Pricing

Employers Holdings Inc (EIG) vs NMI Holdings Inc (NMIH)

Employers Holdings Inc and NMI Holdings Inc are both Insurance Specialty companies. NMI Holdings Inc is the larger, with a market value of $3.1B against $854.4M — 3.7× the size. NMI Holdings Inc trades at the lower P/E: 8.0× against 67.6×. NMI Holdings Inc grew revenue faster over the last twelve months: 7.53% against −5.83%. NMI Holdings Inc has the higher net margin (54.1% vs 0.91%) and the higher return on invested capital (10.4% vs 0.55%). Across the 22 metrics below, NMI Holdings Inc leads on 17 and Employers Holdings Inc on 5.

Valuation

Metric EIG NMIH Insurance Specialty median
P/E 67.57 7.97 9.15
P/S 1.03 4.28 1.84
P/B 1.00 1.16 1.16
Price to free cash flow 43.65 7.08 8.16
EV/EBITDA 47.71 6.37 7.51
EV/Sales 1.06 4.75 2.17
Earnings yield 1.48% 12.54% 10.79%
Free cash flow yield 2.29% 14.13% 11.79%

Profitability

Metric EIG NMIH Insurance Specialty median
Gross margin 1.25% 89.94% 73.81%
Operating margin 1.25% 73.24% 17.70%
Net margin 0.91% 54.10% 13.80%
Free cash flow margin 2.35% 60.43% 34.47%
Return on equity 0.78% 15.43% 12.01%
Return on assets 0.22% 10.42% 4.12%
Return on invested capital 0.55% 10.38% 8.77%

Growth

Metric EIG NMIH Insurance Specialty median
Revenue growth (TTM) (5.83%) 7.53% 7.53%
EPS growth (last fiscal year) (90.23%) 11.06% —
Revenue growth, 5-year CAGR 3.84% 10.27% 2.24%
Net income growth, 5-year CAGR (38.20%) 17.78% 0.00%

Health

Metric EIG NMIH Insurance Specialty median
Debt to equity 0.15 0.15 0.15
Current ratio 0.37 0.56 0.53
Net debt to EBITDA (5.61) 0.69 0.28

Dividend

Metric EIG NMIH Insurance Specialty median
Dividend yield 2.69% — 2.60%
Payout ratio 0.23 0.00 0.21

Size

Metric EIG NMIH Insurance Specialty median
Market cap 854.38m 3.13b 3.13b

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