NMIH
NMI Holdings, Inc.
Price Chart
Latest Quote
$38.41
+0.75 (+1.99%)
Current Price
| Previous Close | $37.66 |
| Open | $37.93 |
| Day High | $38.45 |
| Day Low | $37.82 |
| Volume | 431,640 |
Stock Information
| Shares Outstanding | 75.97M |
| Total Debt | $425.61M |
| Cash Equivalents | $96.06M |
| Revenue | $716.67M |
| Net Income | $385.70M |
| Sector | Financial Services |
| Industry | Insurance - Specialty |
| Market Cap | $2.92B |
| P/E Ratio | 7.81 |
| EPS (TTM) | $4.92 |
| Exchange | NGM |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $3.25B |
| Sales | $716.67M |
| Income | $385.70M |
| Book/sh | $34.57 |
| Cash/sh | $1.26 |
| Employees | 225 |
Financial Ratios
| Quick Ratio | 0.51 |
| Current Ratio | 1.81 |
| Debt/Eq | 16.17 |
| EPS Growth TTM | -3.10% |
Returns & Margins
| ROA | 8.86% |
| ROE | 15.57% |
| Gross Margin | 76.01% |
| Operating Margin | 71.97% |
| Profit Margin | 53.82% |
Ownership
| Insider Ownership | 1.75% |
| Institutional Ownership | 100.20% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 7.10 |
| P/S | 4.07 |
| P/B | 1.11 |
Analyst Data
| Recommendation | none |
| Target Price | $46.14 |
Technical Indicators
| SMA20 | $36.78 |
| SMA50 | $38.02 |
| SMA200 | $38.29 |
| RSI | 74.00 |
| ATR | 0.7779 |
| Shares Float | 74.53M |
| Short Float | 2.92% |
| Short Ratio | 2.95 |
| Volatility | 0.56 |
| Rel Volume | 0.74 |
Performance History
| Week | +3.14% |
| Month | +1.72% |
| Quarter | +3.31% |
| 6 Months | -8.13% |
| YTD | -5.42% |
| Year | -5.97% |
| 3 Years | +51.10% |
| 5 Years | +50.57% |
| 10 Years | +616.60% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-23 | $38.41 | 431,640 |
| 2026-06-22 | $37.66 | 383,000 |
| 2026-06-18 | $37.48 | 1,085,600 |
| 2026-06-17 | $37.84 | 715,200 |
| 2026-06-16 | $38.02 | 386,700 |
| 2026-06-15 | $37.24 | 568,000 |
| 2026-06-12 | $37.05 | 353,400 |
| 2026-06-11 | $36.74 | 418,500 |
| 2026-06-10 | $37.04 | 519,700 |
| 2026-06-09 | $36.65 | 387,700 |
| 2026-06-08 | $36.11 | 576,000 |
| 2026-06-05 | $36.55 | 498,700 |
| 2026-06-04 | $36.08 | 470,300 |
| 2026-06-03 | $35.42 | 719,100 |
| 2026-06-02 | $35.64 | 785,900 |
| 2026-06-01 | $35.53 | 1,027,700 |
| 2026-05-29 | $35.90 | 728,100 |
| 2026-05-28 | $36.28 | 448,500 |
| 2026-05-27 | $36.87 | 719,600 |
| 2026-05-26 | $37.15 | 461,400 |
About NMI Holdings, Inc.
NMI Holdings, Inc., together with its subsidiaries, provides private mortgage guaranty insurance services in the United States. It provides primary mortgage insurance services; and outsourced loan review services to mortgage loan originators. The company 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. NMI Holdings, Inc. was incorporated in 2011 and is headquartered in Emeryville, California.
đ° Latest News
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Assessing NMI Holdings (NMIH) Valuation After Recent Share Price Weakness And Long Term Returns
Simply Wall St. âĸ 2026-05-25T15:06:45Z
NMIH Stock Trading at a Discount to Industry at 1.08X: Time to Hold?
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Do Options Traders Know Something About NMI Holdings Stock We Don't?
Zacks âĸ 2026-05-11T15:49:00Z
Period:
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $706,440,000 | $650,971,000 | $579,003,000 | $524,458,000 |
| Operating Revenue | $706,440,000 | $650,971,000 | $579,003,000 | $524,458,000 |
| Expenses | ||||
| Interest Expense | $28,478,000 | $36,896,000 | $32,212,000 | $32,163,000 |
| Total Expenses | $206,636,000 | $187,560,000 | $166,300,000 | $147,153,000 |
| Other Income Expense | $859,000 | $944,000 | $756,000 | $1,192,000 |
| Net Non Operating Interest Income Expense | $-28,478,000 | $-36,896,000 | $-32,212,000 | $-32,163,000 |
| Interest Expense Non Operating | $28,478,000 | $36,896,000 | $32,212,000 | $32,163,000 |
| Loss Adjustment Expense | $57,649,000 | $31,544,000 | $22,618,000 | $-3,594,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $388,926,000 | $360,106,000 | $322,110,000 | $292,902,000 |
| Net Interest Income | $-28,478,000 | $-36,896,000 | $-32,212,000 | $-32,163,000 |
| Interest Income | $3,900,000 | $5,000,000 | $2,300,000 | $400,000 |
| Normalized Income | $388,926,000 | $360,106,000 | $322,110,000 | $292,902,000 |
| Net Income From Continuing And Discontinued Operation | $388,926,000 | $360,106,000 | $322,110,000 | $292,902,000 |
| Net Income Common Stockholders | $388,926,000 | $360,106,000 | $322,110,000 | $292,902,000 |
| Net Income | $388,926,000 | $360,106,000 | $322,110,000 | $292,902,000 |
| Net Income Including Noncontrolling Interests | $388,926,000 | $360,106,000 | $322,110,000 | $292,902,000 |
| Net Income Continuous Operations | $388,926,000 | $360,106,000 | $322,110,000 | $292,902,000 |
| Pretax Income | $499,804,000 | $463,411,000 | $412,703,000 | $377,305,000 |
| Average Dilution Earnings | - | $0 | $0 | $-1,113,000 |
| Per Share | ||||
| Diluted EPS | $4.92 | $4.43 | $3.84 | $3.39 |
| Basic EPS | $5.01 | $4.51 | $3.91 | $3.45 |
| Other | ||||
| Tax Effect Of Unusual Items | $0 | $0 | $0 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Reconciled Depreciation | $11,260,000 | $11,936,000 | $11,541,000 | $11,870,000 |
| EBIT | $528,282,000 | $500,307,000 | $444,915,000 | $409,468,000 |
| Diluted Average Shares | $79,038,000 | $81,273,000 | $83,854,000 | $85,999,000 |
| Basic Average Shares | $77,626,000 | $79,844,000 | $82,407,000 | $84,921,000 |
| Diluted NI Availto Com Stockholders | $388,926,000 | $360,106,000 | $322,110,000 | $291,789,000 |
| Tax Provision | $110,878,000 | $103,305,000 | $90,593,000 | $84,403,000 |
| Net Policyholder Benefits And Claims | $57,649,000 | $31,544,000 | $22,618,000 | $-3,594,000 |
Fetched: 2026-06-20
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $2,588,352,000 | $2,213,798,000 | $1,922,370,000 | $1,610,093,000 |
| Total Assets | $3,841,098,000 | $3,349,973,000 | $2,940,507,000 | $2,516,030,000 |
| Goodwill And Other Intangible Assets | $3,634,000 | $3,634,000 | $3,634,000 | $3,634,000 |
| Other Intangible Assets | $390,000 | $390,000 | $390,000 | $390,000 |
| Prepaid Assets | $400,258,000 | $322,175,000 | $235,286,000 | $154,409,000 |
| Receivables | $124,836,000 | $115,064,000 | $103,970,000 | $91,267,000 |
| Accounts Receivable | $124,836,000 | $115,064,000 | $103,970,000 | $91,267,000 |
| Cash Cash Equivalents And Short Term Investments | $448,365,000 | $356,330,000 | $333,291,000 | $381,236,000 |
| Cash And Cash Equivalents | $43,937,000 | $54,218,000 | $95,351,000 | $42,250,000 |
| Debt | ||||
| Net Debt | $373,094,000 | $360,928,000 | $302,244,000 | $353,801,000 |
| Total Debt | $417,031,000 | $415,146,000 | $397,595,000 | $396,051,000 |
| Long Term Debt And Capital Lease Obligation | $417,031,000 | $415,146,000 | $397,595,000 | $396,051,000 |
| Long Term Debt | $417,031,000 | $415,146,000 | $397,595,000 | $396,051,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $1,249,112,000 | $1,132,541,000 | $1,014,503,000 | $902,303,000 |
| Non Current Deferred Liabilities | $478,890,000 | $386,192,000 | $301,573,000 | $193,859,000 |
| Non Current Deferred Taxes Liabilities | $478,890,000 | $386,192,000 | $301,573,000 | $193,859,000 |
| Payables And Accrued Expenses | $101,595,000 | $103,164,000 | $86,189,000 | $74,576,000 |
| Derivative Product Liabilities | - | - | - | $0 |
| Equity | ||||
| Common Stock Equity | $2,591,986,000 | $2,217,432,000 | $1,926,004,000 | $1,613,727,000 |
| Total Equity Gross Minority Interest | $2,591,986,000 | $2,217,432,000 | $1,926,004,000 | $1,613,727,000 |
| Stockholders Equity | $2,591,986,000 | $2,217,432,000 | $1,926,004,000 | $1,613,727,000 |
| Gains Losses Not Affecting Retained Earnings | $-46,083,000 | $-124,804,000 | $-139,917,000 | $-204,323,000 |
| Other Equity Adjustments | $-46,083,000 | $-124,804,000 | $-139,917,000 | $-204,323,000 |
| Retained Earnings | $1,972,185,000 | $1,583,259,000 | $1,223,153,000 | $901,043,000 |
| Other | ||||
| Treasury Shares Number | $12,086,223 | $9,301,900 | $6,452,858 | $2,922,863 |
| Ordinary Shares Number | $76,285,242 | $78,600,726 | $80,881,280 | $83,549,879 |
| Share Issued | $88,371,465 | $87,902,626 | $87,334,138 | $86,472,742 |
| Tangible Book Value | $2,588,352,000 | $2,213,798,000 | $1,922,370,000 | $1,610,093,000 |
| Invested Capital | $3,009,017,000 | $2,632,578,000 | $2,323,599,000 | $2,009,778,000 |
| Total Capitalization | $3,009,017,000 | $2,632,578,000 | $2,323,599,000 | $2,009,778,000 |
| Treasury Stock | $351,772,000 | $246,594,000 | $148,921,000 | $56,575,000 |
| Additional Paid In Capital | $1,016,772,000 | $1,004,692,000 | $990,816,000 | $972,717,000 |
| Capital Stock | $884,000 | $879,000 | $873,000 | $865,000 |
| Common Stock | $884,000 | $879,000 | $873,000 | $865,000 |
| Investments And Advances | $3,137,023,000 | $2,723,541,000 | $2,371,021,000 | $2,099,389,000 |
| Goodwill | $3,244,000 | $3,244,000 | $3,244,000 | $3,244,000 |
| Net PPE | $21,727,000 | $25,681,000 | $30,252,000 | $31,930,000 |
| Other Short Term Investments | $404,428,000 | $302,112,000 | $237,940,000 | $338,986,000 |
Fetched: 2026-06-20
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $412,518,000 | $386,699,000 | $333,311,000 | $302,822,000 |
| Operating Activities | ||||
| Operating Cash Flow | $419,299,000 | $393,604,000 | $342,683,000 | $313,394,000 |
| Cash Flow From Continuing Operating Activities | $419,299,000 | $393,604,000 | $342,683,000 | $313,394,000 |
| Operating Gains Losses | $-432,000 | $-23,000 | $33,000 | $-481,000 |
| Investing Activities | ||||
| Capital Expenditure | $-6,781,000 | $-6,905,000 | $-9,372,000 | $-10,572,000 |
| Investing Cash Flow | $-316,466,000 | $-339,286,000 | $-200,000,000 | $-289,786,000 |
| Cash Flow From Continuing Investing Activities | $-316,466,000 | $-339,286,000 | $-200,000,000 | $-289,786,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-105,099,000 | $-97,610,000 | $-91,613,000 | $-56,575,000 |
| Financing Cash Flow | $-113,204,000 | $-96,699,000 | $-90,420,000 | $-55,828,000 |
| Cash Flow From Continuing Financing Activities | $-113,204,000 | $-96,699,000 | $-90,420,000 | $-55,828,000 |
| Net Other Financing Charges | $-10,980,000 | $-18,004,000 | $-9,356,000 | $-5,213,000 |
| Net Common Stock Issuance | $-105,099,000 | $-97,610,000 | $-91,613,000 | $-56,575,000 |
| Issuance Of Capital Stock | - | - | - | $0 |
| Common Stock Issuance | - | - | - | $0 |
| Other | ||||
| Repayment Of Debt | $0 | $-405,080,000 | $0 | $0 |
| Issuance Of Debt | $0 | $419,705,000 | $0 | $0 |
| Interest Paid Supplemental Data | $31,450,000 | $14,013,000 | $29,500,000 | $29,500,000 |
| Income Tax Paid Supplemental Data | $42,362,000 | $20,027,000 | $20,000 | - |
| End Cash Position | $43,937,000 | $54,308,000 | $96,689,000 | $44,426,000 |
| Beginning Cash Position | $54,308,000 | $96,689,000 | $44,426,000 | $76,646,000 |
| Changes In Cash | $-10,371,000 | $-42,381,000 | $52,263,000 | $-32,220,000 |
| Proceeds From Stock Option Exercised | $2,875,000 | $4,290,000 | $10,549,000 | $5,960,000 |
| Common Stock Payments | $-105,099,000 | $-97,610,000 | $-91,613,000 | $-56,575,000 |
| Net Issuance Payments Of Debt | $0 | $14,625,000 | $0 | $0 |
| Long Term Debt Payments | $0 | $-405,080,000 | $0 | $0 |
| Long Term Debt Issuance | $0 | $419,705,000 | $0 | $0 |
| Net Investment Purchase And Sale | $-309,685,000 | $-332,381,000 | $-190,628,000 | $-279,214,000 |
| Sale Of Investment | $589,359,000 | $319,313,000 | $464,158,000 | $268,298,000 |
| Purchase Of Investment | $-899,044,000 | $-651,694,000 | $-654,786,000 | $-547,512,000 |
| Net Intangibles Purchase And Sale | $-6,781,000 | $-6,905,000 | $-9,372,000 | $-10,572,000 |
| Purchase Of Intangibles | $-6,781,000 | $-6,905,000 | $-9,372,000 | $-10,572,000 |
| Change In Working Capital | $-70,743,000 | $-87,026,000 | $-100,950,000 | $-97,169,000 |
| Change In Other Working Capital | $-131,000 | $-658,000 | $-859,000 | $-1,904,000 |
| Change In Other Current Assets | $-1,475,000 | $-1,833,000 | $-316,000 | $236,000 |
| Change In Payables And Accrued Expense | $-2,172,000 | $16,452,000 | $10,389,000 | $1,394,000 |
| Change In Prepaid Assets | $-78,083,000 | $-86,889,000 | $-80,877,000 | $-65,165,000 |
| Change In Receivables | $-9,771,000 | $-11,094,000 | $-12,703,000 | $-10,589,000 |
| Changes In Account Receivables | $-9,771,000 | $-11,094,000 | $-12,703,000 | $-10,589,000 |
| Stock Based Compensation | $20,190,000 | $19,811,000 | $16,914,000 | $15,425,000 |
| Amortization Of Securities | $-4,089,000 | $-1,078,000 | $481,000 | $5,721,000 |
| Deferred Tax | $71,772,000 | $80,698,000 | $90,593,000 | $84,393,000 |
| Deferred Income Tax | $71,772,000 | $80,698,000 | $90,593,000 | $84,393,000 |
| Depreciation And Amortization | $11,260,000 | $11,936,000 | $11,541,000 | $11,870,000 |
| Gain Loss On Investment Securities | $-432,000 | $-23,000 | $33,000 | $-481,000 |
| Net Income From Continuing Operations | $388,926,000 | $360,106,000 | $322,110,000 | $292,902,000 |
| Net Long Term Debt Issuance | - | $14,625,000 | - | - |
| Other Non Cash Items | - | $6,966,000 | - | - |
| Net PPE Purchase And Sale | - | - | - | - |
Fetched: 2026-06-20