Assured Guaranty vs NMI
AGO and NMIH side by side, both in insurance carriers. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How AGO and NMIH compare
Assured Guaranty and NMI are about the same size, with market caps of $3.1B and $3.2B.
On earnings, NMI is cheaper: it trades at 8.4× trailing earnings, against 9.4× for Assured Guaranty.
NMI grew revenue faster over the last twelve months (7.5% versus −10.6% for Assured Guaranty).
NMI keeps more of each dollar of sales as profit, with a net margin of 54.1% compared with 37.3% at Assured Guaranty.
Assured Guaranty pays a dividend yielding 1.6%; NMI does not pay one.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | AGO | NMIH |
|---|---|---|
| Size and price | ||
| Market cap | $3.1B | $3.2B |
| Share price | $70.48 | $42.67 |
| Change, 1 year | −12.9% | 19.9% |
| Change, 5 years | 27.4% | 88.1% |
| Beta (5Y) | 0.73 | 0.67 |
| Employees | 367 | 225 |
| StockData Score | ||
| Total score | 12 | 12 |
| Valuation score | 5 (better) | 3 |
| Growth score | 2 | 3 (better) |
| Performance score | 3 | 6 (better) |
| Health score | 0 | 0 |
| Dividend score | 2 (better) | 0 |
| Valuation | ||
| P/E | 9.4× | 8.4× (better) |
| P/S | 3.3× (better) | 4.4× |
| P/B | 0.6× (better) | 1.2× |
| EV/EBITDA | – | 5.7× |
| P/FCF | – | 7.3× |
| PEG | 0.13 (better) | 0.64 |
| FCF yield | – | 13.8% |
| Fair value | $109.80 | $48.75 |
| Margin of safety | 35.8% (better) | 12.5% |
| Growth | ||
| Revenue growth (TTM) | −10.6% | 7.5% (better) |
| Revenue growth, 5Y average | −0.09% | 10.3% (better) |
| Net income growth (TTM) | −25.0% | 4.7% (better) |
| EPS growth (TTM) | −17.3% | 7.9% (better) |
| EPS growth, 5Y average | 19.6% (better) | 18.2% |
| Profitability | ||
| Net margin | 37.3% | 54.1% (better) |
| FCF margin | – | 60.4% |
| Return on equity | 6.3% | 15.4% (better) |
| Financial health | ||
| Altman Z-score | 0.98 | 2.44 (better) |
| Piotroski F-score | 6 (better) | 5 |
| Dividends and buybacks | ||
| Dividend yield | 1.6% | – |
| Payout ratio | 19.4% | – |
| Years of dividend growth | 0 | – |
| Dividend growth, 5Y average | −15.7% | – |
| Buyback yield | 11.9% (better) | 3.6% |
| Shareholder yield | 13.5% (better) | 3.6% |
| Ownership | ||
| Held by institutions | 93.7% | 99.9% |
| Held by insiders | 6.2% | 3.6% |
| Insider net buying, 12 months | −$18.1M | −$17.0M (better) |
| Superinvestors holding | 1 | – |
| Short interest, % of float | 5.8% | 3.0% |
Go deeper
- AGO stock overview
- AGO income statement
- AGO valuation and score
- NMIH stock overview
- NMIH income statement
- NMIH valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.