NMI vs Radian
NMIH and RDN side by side, both in insurance carriers. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How NMIH and RDN compare
Radian is the larger company, worth 1.5 times as much as NMI ($4.7B against $3.2B).
On earnings, NMI is cheaper: it trades at 8.4× trailing earnings, against 9.1× for Radian.
Radian grew revenue faster over the last twelve months (37.1% versus 7.5% for NMI).
NMI keeps more of each dollar of sales as profit, with a net margin of 54.1% compared with 32.6% at Radian.
Radian pays a dividend yielding 2.9%; NMI does not pay one.
Radian scores higher on the StockData Score (14 against 12 for NMI), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | NMIH | RDN |
|---|---|---|
| Size and price | ||
| Market cap | $3.2B | $4.7B |
| Share price | $42.67 | $35.54 |
| Change, 1 year | 19.9% | 7.3% |
| Change, 5 years | 88.1% | 56.1% |
| Beta (5Y) | 0.67 | 0.65 |
| Employees | 225 | 900 |
| StockData Score | ||
| Total score | 12 | 14 (better) |
| Valuation score | 3 | 4 (better) |
| Growth score | 3 (better) | 1 |
| Performance score | 6 (better) | 3 |
| Health score | 0 | 2 (better) |
| Dividend score | 0 | 4 (better) |
| Valuation | ||
| P/E | 8.4× (better) | 9.1× |
| P/S | 4.4× | 2.9× (better) |
| P/B | 1.2× | 1.0× (better) |
| EV/EBITDA | 5.7× | – |
| P/FCF | 7.3× | 3.4× (better) |
| PEG | 0.64 | – |
| FCF yield | 13.8% | 29.6% (better) |
| Fair value | $48.75 | $41.28 |
| Margin of safety | 12.5% | 13.9% (better) |
| Growth | ||
| Revenue growth (TTM) | 7.5% | 37.1% (better) |
| Revenue growth, 5Y average | 10.3% (better) | −3.6% |
| Net income growth (TTM) | 4.7% (better) | −8.6% |
| EPS growth (TTM) | 7.9% (better) | −2.0% |
| EPS growth, 5Y average | 18.2% (better) | 15.7% |
| Profitability | ||
| Net margin | 54.1% (better) | 32.6% |
| FCF margin | 60.4% | 84.5% (better) |
| Return on equity | 15.4% (better) | 11.5% |
| Financial health | ||
| Debt / equity | – | 0.11 |
| Altman Z-score | 2.44 (better) | 1.33 |
| Piotroski F-score | 5 (better) | 4 |
| Dividends and buybacks | ||
| Dividend yield | – | 2.9% |
| Payout ratio | – | 26.5% |
| Years of dividend growth | – | 4 |
| Buyback yield | 3.6% (better) | 2.8% |
| Shareholder yield | 3.6% | 5.6% (better) |
| Ownership | ||
| Held by institutions | 99.9% | 93.7% |
| Held by insiders | 3.6% | 1.8% |
| Insider net buying, 12 months | −$17.0M | $1.4M (better) |
| Short interest, % of float | 3.0% | 5.1% |
Go deeper
- NMIH stock overview
- NMIH income statement
- NMIH valuation and score
- RDN stock overview
- RDN income statement
- RDN valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.