` Comparison: NMIH, ESNT - Alpha Spread

NMIH
vs
ESNT

Over the past 12 months, NMIH has underperformed ESNT, delivering a return of +16% compared to the ESNT's +21% growth.

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NMIH
ESNT
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Stocks Compared:
NMIH ESNT
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Valuation Comparison

NMIH Intrinsic Value
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ESNT Intrinsic Value
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Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
NMI Holdings Inc
NASDAQ:NMIH
41.26 USD
Essent Group Ltd
NYSE:ESNT
64.67 USD
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Valuation Scenario:
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Growth Comparison

Growth Over Time
NMIH, ESNT

NMIH
ESNT
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
NMI Holdings Inc
Revenue
Essent Group Ltd
Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
NMIH, ESNT

NMIH
ESNT
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
NMI Holdings Inc
NASDAQ:NMIH
FCF is not applicable for financial companies
Essent Group Ltd
NYSE:ESNT
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

NMIH
ESNT
LTM 3Y Avg 5Y Avg 10Y Avg
NMI Holdings Inc
Not applicable for financial companies
Essent Group Ltd
Not applicable for financial companies

Operating Margin

NMIH
ESNT
LTM 3Y Avg 5Y Avg 10Y Avg
NMI Holdings Inc
Not applicable for financial companies
Essent Group Ltd
Not applicable for financial companies

Net Margin

NMIH
55%
ESNT
55.6%
LTM 3Y Avg 5Y Avg 10Y Avg
NMI Holdings Inc
Essent Group Ltd

FCF Margin

NMIH
ESNT
LTM 3Y Avg 5Y Avg 10Y Avg
NMI Holdings Inc
Not applicable for financial companies
Essent Group Ltd
Not applicable for financial companies

ROE

NMIH
16.2%
ESNT
12.4%
LTM 3Y Avg 5Y Avg 10Y Avg
NMI Holdings Inc
Essent Group Ltd

ROA

NMIH
10.8%
ESNT
9.7%
LTM 3Y Avg 5Y Avg 10Y Avg
NMI Holdings Inc
Essent Group Ltd

ROIC

NMIH
ESNT
LTM 3Y Avg 5Y Avg 10Y Avg
NMI Holdings Inc
Not applicable for financial companies
Essent Group Ltd
Not applicable for financial companies

ROCE

NMIH
ESNT
LTM 3Y Avg 5Y Avg 10Y Avg
NMI Holdings Inc
Not applicable for financial companies
Essent Group Ltd
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
NMIH, ESNT

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NMIH
ESNT
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Performance Gap
NMIH, ESNT

Performance Gap Between NMIH and ESNT
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Performance By Year
NMIH, ESNT

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NMIH
ESNT
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