Contrasting NMI (NMIH) & RSA Insurance Group (RSNAY)

NMI (NASDAQ:NMIH) and RSA Insurance Group (OTCMKTS:RSNAY) are both finance companies, but which is the better business? We will compare the two businesses based on the strength of their analyst recommendations, dividends, earnings, risk, valuation, institutional ownership and profitability.

Analyst Ratings

This is a breakdown of current ratings and recommmendations for NMI and RSA Insurance Group, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
NMI 0 0 8 0 3.00
RSA Insurance Group 0 1 5 0 2.83

NMI currently has a consensus price target of $25.50, indicating a potential downside of 0.89%. RSA Insurance Group has a consensus price target of $6.00, indicating a potential downside of 15.31%. Given NMI’s stronger consensus rating and higher probable upside, research analysts clearly believe NMI is more favorable than RSA Insurance Group.

Profitability

This table compares NMI and RSA Insurance Group’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
NMI 39.24% 17.47% 10.92%
RSA Insurance Group N/A N/A N/A

Earnings and Valuation

This table compares NMI and RSA Insurance Group’s revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
NMI $275.02 million 6.21 $107.92 million $1.66 15.50
RSA Insurance Group N/A N/A N/A N/A N/A

NMI has higher revenue and earnings than RSA Insurance Group.

Insider & Institutional Ownership

90.5% of NMI shares are owned by institutional investors. 5.7% of NMI shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Summary

NMI beats RSA Insurance Group on 9 of the 9 factors compared between the two stocks.

About NMI

NMI Holdings, Inc., through its subsidiaries, provides private mortgage guaranty insurance services in the United States. The company offers mortgage insurance; reinsurance on loans; and outsourced loan review services to mortgage loan originators. It serves national and regional mortgage banks, money center banks, credit unions, community banks, builder-owned mortgage lenders, Internet-sourced lenders, and other non-bank lenders. The company was founded in 2011 and is headquartered in Emeryville, California.

About RSA Insurance Group

RSA Insurance Group plc, together with its subsidiaries, provides personal and commercial general insurance products. It operates through Scandinavia, Canada, and UK & International segments. The company offers a range of personal insurance products, including home, car, pet, and travel insurance products directly to its customers, as well as through brokers and agents. It also provides commercial insurance products, such as property, vehicle and fleet, professional liability, and indemnity and travel insurance, as well as marine, renewable energy, construction and engineering, and rail insurance for small to medium sized enterprises, multinational companies, and sole traders. In addition, RSA Insurance Group plc offers risk management solutions for the food and drink, infrastructure and utility, and real estate sectors, as well as care homes, hospices, residential homes, and day care centers and others. The company was formerly known as Royal & Sun Alliance Insurance Group plc and changed its name to RSA Insurance Group plc in May 2008. RSA Insurance Group plc was founded in 1710 and is headquartered in London, the United Kingdom.

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