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Investors Title Company (ITIC) vs NMI Holdings Inc (NMIH)

Investors Title Company and NMI Holdings Inc are both Insurance Specialty companies. NMI Holdings Inc is the larger, with a market value of $3.3B against $493.3M — 6.8× the size. NMI Holdings Inc trades at the lower P/E: 8.5× against 12.2×. Investors Title Company grew revenue faster over the last twelve months: 8.67% against 7.53%. NMI Holdings Inc has the higher net margin (54.1% vs 13.8%) and the lower return on invested capital (10.4% vs 12.2%). Across the 20 metrics below, NMI Holdings Inc leads on 13 and Investors Title Company on 7.

Valuation

Metric ITIC NMIH Insurance Specialty median
P/E 12.22 8.54 9.49
P/S 1.69 4.58 1.69
P/B 1.72 1.24 1.23
Price to free cash flow 18.68 7.57 8.44
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.18% 11.72% 10.48%
Free cash flow yield 5.35% 13.21% 10.87%

Profitability

Metric ITIC NMIH Insurance Specialty median
Gross margin 56.22% 89.94% 56.22%
Operating margin 17.70% 73.24% 15.19%
Net margin 13.80% 54.10% 13.80%
Free cash flow margin 9.02% 60.43% 34.47%
Return on equity 14.63% 15.43% 12.01%
Return on assets 11.14% 10.42% 3.55%
Return on invested capital 12.18% 10.38% 9.88%

Growth

Metric ITIC NMIH Insurance Specialty median
Revenue growth (TTM) 8.67% 7.53% 7.68%
EPS growth (last fiscal year) 13.02% 11.06% 8.65%
Revenue growth, 5-year CAGR 2.90% 10.27% 2.24%
Net income growth, 5-year CAGR (2.25%) 17.78% 0.00%

Health

Metric ITIC NMIH Insurance Specialty median
Debt to equity 0.00 0.15 0.16
Current ratio 0.52 0.56 0.52
Net debt to EBITDA (0.44) 0.69 0.28

Dividend

Metric ITIC NMIH Insurance Specialty median
Dividend yield 0.70% — 2.06%
Payout ratio 0.09 — 0.19

Size

Metric ITIC NMIH Insurance Specialty median
Market cap 493.33m 3.33b 3.31b

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