Company Analysis NMI Holdings, Inc.
1. Summary
Advantages
- Price (40.38 $) is less than fair price (46.22 $)
- The stock's return over the last year (0.8492%) is higher than the sector average (-44.48%).
- The company's current efficiency (ROE=17.38%) is higher than the sector average (ROE=6.45%)
Disadvantages
- Dividends (0%) are below the sector average (2.35%).
- Current debt level 12.39% has increased over 5 years from 10.68%.
Similar companies
2. Share price and performance
2.1. Share price
2.3. Market efficiency
| NMI Holdings, Inc. | Financials | Index | |
|---|---|---|---|
| 7 days | 1.4% | -5% | -0.3% |
| 90 days | 16.6% | -2.3% | 10% |
| 1 year | 0.8% | -44.5% | 9.7% |
NMIH vs Sector: NMI Holdings, Inc. has outperformed the "Financials" sector by 45.33% over the past year.
NMIH vs Market: NMI Holdings, Inc. has significantly underperformed the market by -8.88% over the past year.
Stable price: NMIH is not significantly more volatile than the rest of the market on "NASDAQ" over the last 3 months, with typical variations of +/- 5% per week.
Long period: NMIH with weekly volatility of 0.0163% over the past year.
3. Summary of the report
4. Fundamental Analysis
4.1. Stock price and price forecast
Below fair price: The current price (40.38 $) is lower than the fair price (46.22 $).
Price not significantly lower than the fair price: The current price (40.38 $) is slightly lower than the fair price by 14.5%.
4.2. P/E
P/E vs Sector: The company's P/E (8.31) is lower than that of the sector as a whole (21.7).
P/E vs Market: The company's P/E (8.31) is lower than that of the market as a whole (89.86).
4.2.1 P/E Similar companies
4.3. P/BV
P/BV vs Sector: The company's P/BV (1.35) is higher than that of the sector as a whole (0.7019).
P/BV vs Market: The company's P/BV (1.35) is lower than that of the market as a whole (9.35).
4.3.1 P/BV Similar companies
4.4. P/S
P/S vs Sector: The company's P/S indicator (4.6) is lower than that of the sector as a whole (4.72).
P/S vs Market: The company's P/S indicator (4.6) is lower than that of the market as a whole (10.1).
4.4.1 P/S Similar companies
4.5. EV/Ebitda
EV/Ebitda vs Sector: The company's EV/Ebitda (6.55) is lower than that of the sector as a whole (9.52).
EV/Ebitda vs Market: The company's EV/Ebitda (6.55) is lower than that of the market as a whole (50.71).
5. Profitability
5.1. Profitability and revenue
5.2. Earnings per share - EPS
5.3. Past profitability Net Income
Yield Trend: Rising and has grown by 21.87% over the last 5 years.
Earnings Slowdown: The last year's return (0%) is below the 5-year average return (21.87%).
Profitability vs Sector: The return for the last year (0%) exceeds the return for the sector (-4.44%).
5.4. ROE
ROE vs Sector: The company's ROE (17.38%) is higher than that of the sector as a whole (6.45%).
ROE vs Market: The company's ROE (17.38%) is higher than that of the market as a whole (11.64%).
5.5. ROA
ROA vs Sector: The company's ROA (11.41%) is higher than that of the sector as a whole (6.1%).
ROA vs Market: The company's ROA (11.41%) is higher than that of the market as a whole (6.88%).
5.6. ROIC
ROIC vs Sector: The company's ROIC (0%) is lower than that of the sector as a whole (5.05%).
ROIC vs Market: The company's ROIC (0%) is lower than that of the market as a whole (11%).
7. Dividends
7.1. Dividend yield vs Market
Low yield: The dividend yield of the company 0% is below the average for the sector '2.35%.
7.2. Stability and increase in payments
Unstable dividends: The company's dividend yield 0% has not been consistently paid over the past 7 years, DSI=0.
Weak dividend growth: The company's dividend yield 0% has been growing weakly or stagnant over the past 5 years. Growth over only 0 years.
7.3. Payout percentage
Dividend Coverage: Current payments from income (0%) are at an uncomfortable level.
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