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Essent Group Ltd. (ESNT) vs NMI Holdings Inc (NMIH)

Essent Group Ltd. and NMI Holdings Inc are both Insurance Specialty companies. Essent Group Ltd. is the larger, with a market value of $5.7B against $3.0B — 1.9× the size. NMI Holdings Inc trades at the lower P/E: 7.9× against 8.9×. NMI Holdings Inc grew revenue faster over the last twelve months: 7.53% against 4.31%. NMI Holdings Inc has the higher net margin (54.1% vs 51.5%) and the higher return on invested capital (10.4% vs 8.77%). Across the 20 metrics below, NMI Holdings Inc leads on 16 and Essent Group Ltd. on 4.

Valuation

Metric ESNT NMIH Insurance Specialty median
P/E 8.95 7.87 8.97
P/S 4.44 4.22 1.87
P/B 1.04 1.14 1.15
Price to free cash flow 7.11 6.99 8.00
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 11.17% 12.70% 10.57%
Free cash flow yield 14.07% 14.31% 12.08%

Profitability

Metric ESNT NMIH Insurance Specialty median
Gross margin 64.51% 89.94% 73.81%
Operating margin 64.51% 73.24% 17.70%
Net margin 51.45% 54.10% 13.80%
Free cash flow margin 62.43% 60.43% 34.47%
Return on equity 12.01% 15.43% 12.01%
Return on assets 9.19% 10.42% 4.12%
Return on invested capital 8.77% 10.38% 8.77%

Growth

Metric ESNT NMIH Insurance Specialty median
Revenue growth (TTM) 4.31% 7.53% 7.53%
EPS growth (last fiscal year) 0.73% 11.06% 5.61%
Revenue growth, 5-year CAGR 5.71% 10.27% 2.24%
Net income growth, 5-year CAGR 10.81% 17.78% 0.00%

Health

Metric ESNT NMIH Insurance Specialty median
Debt to equity 0.09 0.15 0.15
Current ratio 0.31 0.56 0.53
Net debt to EBITDA 0.43 0.69 0.28

Dividend

Metric ESNT NMIH Insurance Specialty median
Dividend yield 2.10% — 2.09%
Payout ratio 0.19 — 0.20

Size

Metric ESNT NMIH Insurance Specialty median
Market cap 5.73b 3.02b 3.07b

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