NMI Holdings [NMIH] vs Ryan Specialty [RYAN] Detailed Stock Comparison
NMI Holdings
NASDAQ
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Ryan Specialty
NYSE
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TLDR: Quick Comparison Summary
Based on 19 vital metrics comparison: NMI Holdings wins in 13 metrics, Ryan Specialty wins in 5 metrics, with 0 ties. NMI Holdings appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | NMI Holdings | Ryan Specialty | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 8.21 | 147.55 | NMI Holdings |
| Price-to-Book Ratio | 1.24 | 12.30 | NMI Holdings |
| Debt-to-Equity Ratio | 17.58 | 309.01 | NMI Holdings |
| PEG Ratio | 1.18 | 18.69 | NMI Holdings |
| EV/EBITDA | 6.13 | 15.05 | NMI Holdings |
| Profit Margin (TTM) | 55.57% | 2.02% | NMI Holdings |
| Operating Margin (TTM) | 75.22% | 23.84% | NMI Holdings |
| EBITDA Margin (TTM) | 75.22% | 23.84% | NMI Holdings |
| Return on Equity | 16.92% | 16.98% | Ryan Specialty |
| Return on Assets (TTM) | 9.59% | 3.48% | NMI Holdings |
| Free Cash Flow (TTM) | $386.70M | $467.87M | Ryan Specialty |
| Dividend Yield | N/A | 0.51% | N/A |
| 1-Year Return | -1.56% | -7.73% | NMI Holdings |
| Price-to-Sales Ratio (TTM) | 4.41 | 5.66 | NMI Holdings |
| Enterprise Value | $3.22B | $11.60B | Ryan Specialty |
| EV/Revenue Ratio | 4.74 | 4.21 | Ryan Specialty |
| Revenue per Share (TTM) | $9 | $22 | Ryan Specialty |
| Earnings per Share (Diluted) | $4.71 | $0.40 | NMI Holdings |
| Beta (Stock Volatility) | 0.57 | 0.64 | NMI Holdings |
Performance
Key Stats
Valuation
Financials
Short Interest
Dividends
NMI Holdings vs Ryan Specialty Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| NMI Holdings | 0.29% | -1.19% | 2.40% | 2.51% | 11.37% | 7.05% |
| Ryan Specialty | 0.93% | -0.59% | -9.30% | -15.83% | -14.66% | -5.48% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| NMI Holdings | -1.56% | 84.29% | 126.47% | 374.33% | 179.86% | 179.86% |
| Ryan Specialty | -7.73% | 36.41% | 107.07% | 107.07% | 107.07% | 107.07% |
Performance & Financial Health Analysis: NMI Holdings vs Ryan Specialty
| Metric | NMIH | RYAN |
|---|---|---|
| Market Information | ||
| Market Cap | $3.00B | $15.58B |
| Market Cap Category | Mid cap | Large cap |
| 10 Day Avg. Volume | 382,090 | 1,335,130 |
| 90 Day Avg. Volume | 476,573 | 1,361,953 |
| Last Close | $39.29 | $59.75 |
| 52 Week Range | $31.90 - $43.20 | $55.77 - $77.16 |
| % from 52W High | -9.04% | -22.56% |
| All-Time High | $43.20 (Jul 03, 2025) | $77.16 (Mar 31, 2025) |
| % from All-Time High | -9.05% | -22.56% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.07% | 0.24% |
| Quarterly Earnings Growth | 0.04% | 0.11% |
| Financial Health | ||
| Profit Margin (TTM) | 0.56% | 0.02% |
| Operating Margin (TTM) | 0.75% | 0.24% |
| Return on Equity (TTM) | 0.17% | 0.17% |
| Debt to Equity (MRQ) | 17.58 | 309.01 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $31.14 | $4.80 |
| Cash per Share (MRQ) | $2.63 | $1.40 |
| Operating Cash Flow (TTM) | $393.75M | $571.34M |
| Levered Free Cash Flow (TTM) | $221.23M | $429.36M |
| Dividends | ||
| Last 12-Month Dividend Yield | N/A | 0.51% |
| Last 12-Month Dividend | N/A | $0.34 |
Valuation & Enterprise Metrics Analysis: NMI Holdings vs Ryan Specialty
| Metric | NMIH | RYAN |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 8.21 | 147.55 |
| Forward P/E | 8.11 | 26.71 |
| PEG Ratio | 1.18 | 18.69 |
| Price to Sales (TTM) | 4.41 | 5.66 |
| Price to Book (MRQ) | 1.24 | 12.30 |
| Market Capitalization | ||
| Market Capitalization | $3.00B | $15.58B |
| Enterprise Value | $3.22B | $11.60B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 4.74 | 4.21 |
| Enterprise to EBITDA | 6.13 | 15.05 |
| Risk & Other Metrics | ||
| Beta | 0.57 | 0.64 |
| Book Value per Share (MRQ) | $31.14 | $4.80 |
Financial Statements Comparison: NMI Holdings vs Ryan Specialty
Financial Metrics
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Revenue
EBITDA
Operating Margin
Free Cash Flow
Long Term Debt
Profit Margin
Current Ratio
Operating Cash Flow
Income Statement (MRQ)
| Metric (MRQ) | NMIH | RYAN |
|---|---|---|
| Revenue/Sales | $173.25M | $690.17M |
| Cost of Goods Sold | N/A | N/A |
| Gross Profit | N/A | N/A |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | N/A | N/A |
| EBITDA | N/A | N/A |
| Pre-Tax Income | $131.37M | $51.04M |
| Income Tax | $28.81M | $55.43M |
| Net Income (Profit) | $102.56M | $-4.39M |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | NMIH | RYAN |
|---|---|---|
| Cash & Equivalents | $74.12M | $203.55M |
| Total Current Assets | N/A | N/A |
| Total Current Liabilities | N/A | N/A |
| Long-Term Debt | $415.61M | $3.81B |
| Total Shareholders Equity | $2.32B | $1.06B |
| Retained Earnings | $1.69B | $79.34M |
| Property, Plant & Equipment | N/A | N/A |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | NMIH | RYAN |
|---|---|---|
| Operating Cash Flow | $111.56M | $-197.82M |
| Capital Expenditures | N/A | N/A |
| Free Cash Flow | $126.71M | $-159.56M |
| Debt Repayment | N/A | $-154.25M |
| Common Stock Repurchase | $-23.98M | N/A |
Short Interest & Institutional Ownership Analysis
| Metric | NMIH | RYAN |
|---|---|---|
| Shares Short | 1.82M | 4.93M |
| Short Ratio | 3.58 | 4.28 |
| Short % of Float | 0.03% | 0.04% |
| Average Daily Volume (10 Day) | 382,090 | 1,335,130 |
| Average Daily Volume (90 Day) | 476,573 | 1,361,953 |
| Shares Outstanding | 78.60M | 125.41M |
| Float Shares | 76.26M | 108.25M |
| % Held by Insiders | 0.02% | 0.14% |
| % Held by Institutions | 0.99% | 0.90% |
Dividend Analysis & Yield Comparison: NMI Holdings vs Ryan Specialty
| Metric | NMIH | RYAN |
|---|---|---|
| Last 12-Month Dividend | N/A | $0.34 |
| Last 12-Month Dividend Yield | N/A | 0.51% |
| 3-Year Avg Annual Dividend | N/A | $0.19 |
| 3-Year Avg Dividend Yield | N/A | 0.18% |
| 3-Year Total Dividends | N/A | $0.56 |
| Ex-Dividend Date | N/A | Mar 04, 2025 |