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NMI Holdings, Inc. NMIH R2KR3KFINANCIAL

Financial Services · Insurance - Specialty · United States
https://www.nationalmi.com
Company Profile ↓
$44.83
+12.05% 1Y
Mkt Cap$3.37B
P/E8.82
P/B1.24
52W High$45.71
52W Low$35.35
Book Value$35.89
EPS (TTM)$5.08

Company Overview

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.

Why Investors Should Care

Strong Return on Equity

Generates a return on equity of 15.4%, reflecting efficient use of shareholder capital.

Consistent Profit Growth

Net profit has compounded at 17.8% per year over the last five years.

Steady Revenue Expansion

Revenue has grown at a 82.5% CAGR over the past five years.

Reasonable Valuation

Trades at a P/E of 8.8, below the sector median of 14.5.

Healthy Margins

Maintains a net profit margin of 54.1%.

Conservative Balance Sheet

Carries low leverage with a debt-to-equity ratio of 0.16.

Recent Developments

  • Dec 2025 Revenue of $706.44M (+8.5% YoY); net profit $388.93M.
  • Trailing 12 Months Year-on-year growth — revenue +8.1%, earnings +14.1%.
  • 5-Year Trend Long-term compounding — revenue CAGR 82.5%, profit CAGR 17.8%.

Growth & Price Performance

Compounded Sales Growth

5 Years:82.48%
1 Year:8.10%

Compounded Profit Growth

5 Years:17.78%
1 Year:14.10%

Stock Price Performance

1 Year:+12.05%
6 Months:+17.08%
3 Months:+22.65%
1 Month:+1.77%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 92% of range
$35.35 $45.71
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)53.97 · Neutral
Price Performance
1M+1.77%
3M+22.65%
6M+17.08%
1Y+12.05%
Valuation vs Sector

P/E of 8.82 is below the sector median of 14.52 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 54.1%.
  • Compounding revenue at 82.5% over 5 years.
  • Profit CAGR of 17.8% over 5 years.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
8.82
Industry PE
14.52
Forward P/E
8.21
PEG Ratio
-
Book Value
$35.89
Price to Book
1.24
P/S
4.59
EV/EBITDA
6.64
Dividend Yield
0.00%

Growth (CAGR)

Revenue 5Y
82.48%
Profit 5Y
17.78%
Revenue (YoY)
8.10%
Earnings (YoY)
14.10%

Profitability & Returns

ROCE
-
ROE
15.43%
ROA
8.82%
Profit Margin
54.10%
Op Margin
76.67%
Gross Margin
76.38%
EPS (Latest Qtr)
$1.38
EPS (TTM)
$5.08

Balance Sheet & Liquidity

Debt/Equity
0.16
Quick Ratio
0.70
Current Ratio
2.03
Debt
$426.15M
Total Assets
$4.00B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
1.73%
Chg in Prom Hold
-0.02%
FII / Inst Holding
101.33%
Chg in FII Hold
-0.02%

Financial Snapshot

Enterprise Value
$3.37B
Total Revenue (TTM)
$730.78M
EBITDA
$545.69M
Free Cash Flow
$329.76M
Operating Cash Flow
$448.51M
Shares Outstanding
75.22M
Gross Margin
76.38%
Payout Ratio
0.00%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 NMIH NMI Holdings, Inc. R2KR3KFINANCIAL 44.83 8.82 $3.37B 0.00% - 15.43% 82.48% 17.78%
2 JPM JPMorgan Chase & Co. SPXR3KFINANCIAL 358.64 15.37 $953.34B 1.68% - 17.79% 12.50% 14.83%
3 BRK-B Berkshire Hathaway Inc. SPXFINANCIAL 506.03 15.07 $707.59B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPXR3KFINANCIAL 374.00 31.86 $637.34B 0.72% 37.15% 61.19% 14.33% 13.04%
5 MA Mastercard Incorporated SPXR3KFINANCIAL 579.21 31.82 $503.60B 0.60% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPXR3KFINANCIAL 62.68 14.48 $438.31B 2.03% - 11.20% 3.14% 4.27%
7 BRK-A Berkshire Hathaway Inc. FINANCIAL 759,350.00 15.07 $384.00B 0.00% - 10.50% 7.60% 10.02%
8 HSBC HSBC Holdings plc FINANCIAL 107.11 15.30 $367.34B 3.62% - 13.10% 9.75% 12.72%
9 MS Morgan Stanley SPXR3KFINANCIAL 217.72 17.59 $342.26B 2.15% - 17.97% 3.76% 9.66%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Mar 2016Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Mar 2026Jun 2026
Revenue 22.18M29.48M35.52M-37.05M42.20M48.95M-59.55M67.45M71.76M-81.11M91.18M101.59M-107.65M107.95M107.78M-115.19M120.77M124.04M-127.44M132.22M130.58M-136.78M142.69M148.16M-156.25M162.12M166.09M173.25M173.78M178.68M183.47M187.89M
Net Income -3.91M2.01M6.17M59.72M5.49M6.01M12.31M-1.77M22.36M25.24M24.81M35.52M32.90M39.10M49.76M50.20M58.27M26.85M38.18M48.27M52.89M57.52M60.19M60.52M67.68M75.44M76.84M72.94M74.46M80.28M83.95M83.41M89.05M92.08M92.81M102.56M96.15M96.00M99.33M105.79M
Diluted EPS -0.070.030.100.980.090.100.20-0.030.340.370.360.460.480.560.690.710.740.360.450.560.610.650.690.690.770.860.900.860.880.951.001.011.081.131.151.281.211.221.281.38

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue -284.00K7.09M19.22M53.61M123.81M182.74M275.02M378.77M433.28M485.07M523.35M579.00M650.97M706.44M
Net Income -27.49M-27.49M-55.18M-48.91M-27.79M64.00M22.05M107.93M171.96M171.57M231.13M292.90M322.11M360.11M388.93M
Diluted EPS ----0.84-0.471.050.351.602.472.132.653.393.844.434.92

Balance Sheet (Annual)

Figures in USD.

Metric May 2011Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --542.77M481.22M463.26M662.45M839.90M894.85M1.09B1.36B2.17B2.45B2.52B2.94B3.35B3.84B
Total Equity 0-1.35M488.75M463.22M426.96M402.73M475.51M509.08M701.50M930.42M1.37B1.57B1.61B1.93B2.22B2.59B
Cash & Equivalents 00485.86M55.93M103.02M57.32M47.75M19.20M--------
Long Term Debt ----0143.94M144.35M143.88M146.76M145.76M393.30M394.62M396.05M---
Total Liabilities --54.02M18.00M36.31M259.72M364.39M385.77M390.54M434.40M797.08M884.79M902.30M1.01B1.13B1.25B

Cash Flows (Annual)

Figures in USD.

Metric Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow ---41.46M71.94M67.76M145.86M208.15M252.60M325.72M313.39M342.68M393.60M419.30M
Investing Cash Flow -9.81M-419.95M68.08M-230.16M-79.79M-93.07M-220.65M-194.35M-629.55M-374.18M-289.79M-200.00M-339.29M-316.47M
Financing Cash Flow 510.26M26.33M-23.00K143.00M-1.72M-3.24M80.89M2.00M462.80M-1.83M-55.83M-90.42M-96.70M-113.20M
Capital Expenditure -2.45M-6.69M-8.22M-6.13M-11.47M-8.51M-8.06M-9.96M-12.16M-12.24M-10.57M-9.37M-6.91M-6.78M
Free Cash Flow ---35.33M60.47M59.25M137.80M198.19M240.44M313.48M302.82M333.31M386.70M412.52M
Share Buybacks --------0056.58M91.61M97.61M105.10M

Ratios (Annual)

Figures in %.

Metric Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % ---------------
Operating Margin % ---------------
Net Margin % --9,679.9%-778.4%-254.4%-51.8%51.7%12.1%39.2%45.4%39.6%47.6%56.0%55.6%55.3%55.1%
ROE % 2,037.9%-5.6%-11.9%-11.5%-6.9%13.5%4.3%15.4%18.5%12.5%14.8%18.2%16.7%16.2%15.0%
ROCE % ---------------

Shareholding Pattern

Insiders
1.73%
Institutions
101.33%
Public Float
103.11%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 17.53% 13.19M $591.01M
2 Dimensional Fund Advisors LP 6.20% 4.67M $209.08M
3 State Street Corporation 4.62% 3.48M $155.87M
4 Vanguard Capital Management LLC 4.55% 3.42M $153.26M
5 American Century Companies Inc 4.05% 3.05M $136.52M
6 Vanguard Portfolio Management LLC 3.86% 2.90M $130.03M
7 Geode Capital Management, LLC 2.81% 2.11M $94.56M
8 Nomura Asset Management International Inc 2.50% 1.88M $84.39M
9 Van Berkom & Associates Inc. 2.47% 1.86M $83.30M
10 Fuller & Thaler Asset Management Inc. 1.75% 1.31M $58.90M

Analyst View

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Latest News

Recent headlines for NMIH

Google News Fri, 04 Sep 2026

NMI Holdings (NMIH) CEO sells stock—here’s what he still holds - Stock Titan

<a href="https://news.google.com/rss/articles/CBMirwFBVV95cUxOYkZ5MnNENFdjYVlVMGNYNTVJYl9zVzdlYU5zWE5aY181TVJzakwxaUpYdVVYUC1veEpRcVVaNS13UEl2SEMwTkNmNFJNbGxIUW94aVItV0JBbUQxMDBxelRsOEtlMXJxM0c3N1dXVERUOUtnb2EtaGdsTFRHNVpoVmJJMDh5aV83NnVRZn…

Google News Fri, 04 Sep 2026

NMI Holdings(NMIH.US) Officer Sells US$7.75 Million in Common Stock - Moomoo

<a href="https://news.google.com/rss/articles/CBMimgFBVV95cUxQejBSam40WGw1R1JSaGppaVVxeDMydmxJSEdCMDIyNjhfeHBFaEtDT2J3QXo3N20wT1kydk9iaWJuM3g2TjdiVTEwSElfRmxEeHVtTHBiSXJwN2JLdV9GOVBlOEU3ZnhJX3RXQzkxSHo2UFFqd3ZtMU1Mcnc5dVNCNWxMdW9vQUpyRm0xOF…

Google News hu, 03 Sep 2026

Q2 Rundown: NMI Holdings (NASDAQ:NMIH) Vs Other Property & Casualty Insurance Stocks - Yahoo Finance

<a href="https://news.google.com/rss/articles/CBMimwFBVV95cUxOX1IxWjhPeWlUbmNhNlZCZTJQc1VIYV9KdW5SUV8xNjlrNlBXZ2dpQUp2NnhfMzhWX05GSTJCUWY0OWphdWMxTFNYekk3ZW82QXVKT25pWV9oT2JKRWpINnphbEVManRNUlRvMFozMW9HWmRqQVpGZ3hFZlM5aVhiS0hUeXp0SmRfRXZfdT…

Google News Fri, 04 Sep 2026

What NMI Holdings (NMIH)'s Q2 Beat and Record Portfolio Performance Means For Shareholders - simplywall.st

<a href="https://news.google.com/rss/articles/CBMi3gFBVV95cUxQbWdnNkppZTl1eXV3aEl0VV9QS0Fmd3E3bjBqTkN6QWg1S0tWTWJkX2FKSDA0aU10ZnBXTGxYSS1McDFhbjFqUjJKSWM0VVdXQkR6YlhoOENzVkMxOVpRMEhoNlJCaTF2czM1d1ltYm0yU0FOYVV4MWlvNF9kd1ltNWJKaWpkQmxSSzVzYT…

Google News Wed, 02 Sep 2026

Discipline and Rules-Based Execution in NMIH Response - Stock Traders Daily

<a href="https://news.google.com/rss/articles/CBMizgFBVV95cUxQSlpWbEJpRjZVYjVMWE9faXlMZkx3YWR5d1VRUGphMWlIYXVsTkJjRG93Tnd4cENSRjYtRUFGZWJlTGJ1QmQwc1dHeXZrUjBoVkFNTmZoYlZXaHl5RkQ3c2hXLVJNbG5XSVI2UTlfNzZQSmNhdE1TQ09HTW14SDN0djltS1RPNHp4YjMybl…

Google News hu, 30 Jul 2026

NMI Holdings Reports Record Q2 2026 Net Income of $105.8 Million | NMIH Stock News - quiverquant.com

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NMIH — Frequently Asked Questions

What is the current share price of NMI Holdings, Inc. (NMIH)?

As of 2026-09-07 16:24 PDT, NMI Holdings, Inc. (NMIH) trades at $44.83 on NasdaqGM. Its 52-week range is $35.35 to $45.71.

What is the market capitalisation of NMIH?

NMI Holdings, Inc. (NMIH) has a market capitalisation of $3.37B on NasdaqGM.

What is the P/E ratio of NMIH?

NMIH trades at a trailing price-to-earnings (P/E) ratio of 8.82. The industry average P/E is 14.52. Its price-to-book (P/B) ratio is 1.24.

What is the return on equity (ROE) of NMIH?

NMIH has a return on equity (ROE) of 15.43%.

Is NMIH a good stock to buy?

This page provides a data-driven analysis of NMI Holdings, Inc. (NMIH), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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