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MBIA, Inc. (MBI) vs NMI Holdings Inc (NMIH)

MBIA, Inc. and NMI Holdings Inc are both Insurance Specialty companies. NMI Holdings Inc is the larger, with a market value of $3.3B against $227.5M — 14.6× the size. MBIA, Inc. has negative trailing earnings, so its P/E is not meaningful; NMI Holdings Inc trades at 8.5×. MBIA, Inc. grew revenue faster over the last twelve months: 18.0% against 7.53%. NMI Holdings Inc has the higher net margin (54.1% vs 0.00%) and the higher return on invested capital (10.4% vs 0.00%). Across the 17 metrics below, NMI Holdings Inc leads on 13 and MBIA, Inc. on 4.

Valuation

Metric MBI NMIH Insurance Specialty median
P/E n/m 8.54 9.49
P/S 2.16 4.58 1.69
P/B n/m 1.24 1.23
Price to free cash flow n/m 7.57 8.44
EV/EBITDA — — —
EV/Sales — — —
Earnings yield (71.18%) 11.72% 10.48%
Free cash flow yield (54.26%) 13.21% 10.87%

Profitability

Metric MBI NMIH Insurance Specialty median
Gross margin 0.00% 89.94% 56.22%
Operating margin 0.00% 73.24% 15.19%
Net margin 0.00% 54.10% 13.80%
Free cash flow margin (114.29%) 60.43% 34.47%
Return on equity 0.00% 15.43% 12.01%
Return on assets 0.00% 10.42% 3.55%
Return on invested capital 0.00% 10.38% 9.88%

Growth

Metric MBI NMIH Insurance Specialty median
Revenue growth (TTM) 17.98% 7.53% 7.68%
EPS growth (last fiscal year) 62.04% 11.06% 8.65%
Revenue growth, 5-year CAGR (22.27%) 10.27% 2.24%
Net income growth, 5-year CAGR 0.00% 17.78% 0.00%

Health

Metric MBI NMIH Insurance Specialty median
Debt to equity 0.00 0.15 0.16
Current ratio 0.53 0.56 0.52
Net debt to EBITDA 213.63 0.69 0.28

Dividend

Metric MBI NMIH Insurance Specialty median
Dividend yield — — 2.06%
Payout ratio — — 0.19

Size

Metric MBI NMIH Insurance Specialty median
Market cap 227.53m 3.33b 3.31b

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