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) | 7.91 | 139.67 | NMI Holdings |
| Price-to-Book Ratio | 1.20 | 11.64 | NMI Holdings |
| Debt-to-Equity Ratio | 17.58 | 309.01 | NMI Holdings |
| PEG Ratio | 1.14 | 17.69 | NMI Holdings |
| EV/EBITDA | 5.92 | 14.53 | 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 | -11.02% | -19.92% | NMI Holdings |
| Price-to-Sales Ratio (TTM) | 4.25 | 5.35 | NMI Holdings |
| Enterprise Value | $3.11B | $11.20B | Ryan Specialty |
| EV/Revenue Ratio | 4.58 | 4.07 | Ryan Specialty |
| Revenue per Share (TTM) | $9 | $22 | Ryan Specialty |
| Earnings per Share (Diluted) | $4.71 | $0.40 | NMI Holdings |
| Beta (Stock Volatility) | 0.56 | 0.62 | NMI Holdings |
Performance
News Sentiment
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 | -1.45% | -6.47% | -7.30% | -14.90% | 2.34% | 0.33% |
| Ryan Specialty | 3.53% | 4.07% | 5.18% | -13.39% | -23.82% | -7.65% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| NMI Holdings | -11.02% | 72.56% | 61.41% | 388.30% | 162.29% | 162.29% |
| Ryan Specialty | -19.92% | 42.92% | 102.31% | 102.31% | 102.31% | 102.31% |
News Based Sentiment: NMI Holdings vs Ryan Specialty
NMI Holdings
News based Sentiment: POSITIVE
Despite a slight dip in share price early in the month, NMI Holdings received positive analyst attention, was identified as undervalued by multiple sources, and continues to demonstrate strong financial performance and consistent earnings surprises. This suggests a positive overall investment story.
Ryan Specialty
News based Sentiment: MIXED
October presented a mixed picture for Ryan Specialty, with a revised growth forecast offset by strategic expansion, positive stock performance, and strong insider buying. While the softening insurance market is a concern, the company's proactive measures and positive signals suggest continued long-term potential.
Performance & Financial Health Analysis: NMI Holdings vs Ryan Specialty
| Metric | NMIH | RYAN |
|---|---|---|
| Market Information | ||
| Market Cap | $2.98B | $15.27B |
| Market Cap Category | Mid cap | Large cap |
| 10 Day Avg. Volume | 433,200 | 1,976,824 |
| 90 Day Avg. Volume | 356,723 | 1,680,495 |
| Last Close | $36.72 | $57.84 |
| 52 Week Range | $31.90 - $43.20 | $50.08 - $77.16 |
| % from 52W High | -15.00% | -25.04% |
| All-Time High | $43.20 (Jul 03, 2025) | $77.16 (Mar 31, 2025) |
| % from All-Time High | -15.00% | -25.04% |
| 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) | 7.91 | 139.67 |
| Forward P/E | 7.81 | 25.28 |
| PEG Ratio | 1.14 | 17.69 |
| Price to Sales (TTM) | 4.25 | 5.35 |
| Price to Book (MRQ) | 1.20 | 11.64 |
| Market Capitalization | ||
| Market Capitalization | $2.98B | $15.27B |
| Enterprise Value | $3.11B | $11.20B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 4.58 | 4.07 |
| Enterprise to EBITDA | 5.92 | 14.53 |
| Risk & Other Metrics | ||
| Beta | 0.56 | 0.62 |
| 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 | $855.17M |
| 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 | $137.73M |
| Income Tax | $28.81M | $13.03M |
| Net Income (Profit) | $102.56M | $124.71M |
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 | 1.64M | 5.07M |
| Short Ratio | 5.24 | 3.81 |
| Short % of Float | 0.03% | 0.05% |
| Average Daily Volume (10 Day) | 433,200 | 1,976,824 |
| Average Daily Volume (90 Day) | 356,723 | 1,680,495 |
| Shares Outstanding | 78.60M | 125.41M |
| Float Shares | 76.26M | 108.37M |
| % Held by Insiders | 0.02% | 0.14% |
| % Held by Institutions | 0.99% | 0.85% |
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 |