Syncora (OTCMKTS:SYCRF) and NMI (NASDAQ:NMIH) are both small-cap finance companies, but which is the better business? We will contrast the two companies based on the strength of their risk, analyst recommendations, institutional ownership, valuation, profitability, earnings and dividends.
Volatility and Risk
Syncora has a beta of 2.31, meaning that its share price is 131% more volatile than the S&P 500. Comparatively, NMI has a beta of 1.08, meaning that its share price is 8% more volatile than the S&P 500.
Valuation & Earnings
This table compares Syncora and NMI’s gross revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Syncora||$62.12 million||6.09||$133.50 million||N/A||N/A|
|NMI||$182.74 million||6.63||$22.05 million||$0.57||32.07|
Syncora has higher earnings, but lower revenue than NMI.
Syncora pays an annual dividend of $0.72 per share and has a dividend yield of 17.1%. NMI does not pay a dividend.
This table compares Syncora and NMI’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
Insider & Institutional Ownership
90.6% of NMI shares are held by institutional investors. 1.1% of Syncora shares are held by insiders. Comparatively, 5.7% of NMI shares are held 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.
This is a summary of current recommendations for Syncora and NMI, as provided by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
NMI has a consensus target price of $25.00, suggesting a potential upside of 36.76%. Given NMI’s higher probable upside, analysts plainly believe NMI is more favorable than Syncora.
NMI beats Syncora on 9 of the 12 factors compared between the two stocks.
Syncora Company Profile
Syncora Holdings Ltd., through its subsidiary, Syncora Guarantee Inc., provides financial guarantee insurance and reinsurance, and credit enhancement for the obligations of debt issuers worldwide. The company guarantees U.S. municipal bonds; asset-backed securities; debt backed by utilities and selected infrastructure projects; specialized risks, including future flow securitizations and bank deposit insurance; and collateralized debt obligations. It also invests in private debt and equity securities. The company was formerly known as Security Capital Assurance Ltd. Syncora Holdings Ltd. was founded in 2006 and is headquartered in Hamilton, Bermuda.
NMI Company Profile
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.
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