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NMI Holdings, Inc. NMIH R2K

Financial Services · Insurance - Specialty · United States
https://www.nationalmi.com
Company Profile ↓
$41.91
+9.77% 1Y
Mkt Cap$3.18B
P/E8.52
P/B1.07
52W High$41.91
52W Low$35.35
Book Value$34.57
EPS (TTM)$4.92

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 15.6%, 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 8.5, below the sector median of 13.3.

Healthy Margins

Maintains a net profit margin of 53.8%.

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 +5.9%, earnings +0.0%.
  • 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:5.90%

Compounded Profit Growth

5 Years:17.78%
1 Year:0.00%

Stock Price Performance

1 Year:+9.77%
6 Months:+3.53%
3 Months:+6.86%
1 Month:+14.07%

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

Technical Snapshot Bullish
52-Week Range 100% of range
$35.35 $41.91
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)73.98 · Overbought
Price Performance
1M+14.07%
3M+6.86%
6M+3.53%
1Y+9.77%
Valuation vs Sector

P/E of 8.52 is below the sector median of 13.30 — 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 53.8%.
  • Compounding revenue at 82.5% over 5 years.
  • Profit CAGR of 17.8% over 5 years.
  • Generates positive free cash flow.

CONS

  • In a downtrend (50-DMA below 200-DMA).

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

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Valuation

Stock P/E
8.52
Industry PE
13.30
Forward P/E
7.75
PEG Ratio
-
Book Value
$34.57
Price to Book
1.07
P/S
3.93
EV/EBITDA
5.90
Dividend Yield
0.00%

Growth (CAGR)

Revenue 5Y
82.48%
Profit 5Y
17.78%
Revenue (YoY)
5.90%
Earnings (YoY)
0.00%

Profitability & Returns

ROCE
-
ROE
15.57%
ROA
8.86%
Profit Margin
53.82%
Op Margin
71.97%
Gross Margin
76.01%
EPS (Latest Qtr)
$1.28
EPS (TTM)
$4.92

Balance Sheet & Liquidity

Debt/Equity
0.16
Quick Ratio
0.51
Current Ratio
1.81
Debt
$425.61M
Total Assets
$3.91B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
1.75%
Chg in Prom Hold
-
FII / Inst Holding
100.09%
Chg in FII Hold
-1.63%

Financial Snapshot

Enterprise Value
$3.18B
Total Revenue (TTM)
$716.67M
EBITDA
$532.71M
Free Cash Flow
$313.04M
Operating Cash Flow
$434.24M
Shares Outstanding
75.97M
Gross Margin
76.01%
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. R2K 41.91 8.52 $3.18B 0.00% - 15.57% 82.48% 17.78%
2 JPM JPMorgan Chase & Co. SPX 342.89 16.42 $918.78B 1.87% - 16.47% 5.35% 7.56%
3 BRK-B Berkshire Hathaway Inc. SPX 491.09 14.61 $686.70B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPX 356.02 31.01 $590.89B 0.83% 37.15% 60.35% 14.33% 13.04%
5 MA Mastercard Incorporated SPX 538.02 31.10 $471.86B 0.71% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPX 60.62 15.04 $430.20B 2.00% - 10.64% 6.00% 3.49%
7 MS Morgan Stanley SPX 227.67 20.62 $359.10B 1.87% - 16.39% 3.76% 9.66%
8 GS The Goldman Sachs Group, Inc. SPX 1,140.00 20.83 $336.31B 1.69% - 14.55% - 2.21%
9 WFC Wells Fargo & Company SPX 85.29 13.18 $261.00B 2.11% - 12.03% 4.02% 15.98%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Dec 2015Mar 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 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-156.25M162.12M166.09M173.25M173.78M178.68M183.47M
Net Income -4.82M-3.91M2.01M6.17M59.72M5.49M6.01M12.31M-1.77M22.36M25.24M24.81M35.52M32.90M39.10M49.76M50.20M58.27M26.85M38.18M48.27M52.89M57.52M60.19M60.52M67.68M75.44M76.84M72.94M74.46M80.28M83.95M83.41M89.05M92.08M92.81M102.56M96.15M96.00M99.33M
Diluted EPS --0.070.030.100.980.090.100.20-0.030.340.370.360.460.480.560.690.710.740.360.450.560.610.650.690.690.770.860.900.860.880.951.001.011.081.131.151.281.211.221.28

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
1.75%
Institutions
100.09%
Public Float
101.87%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 16.93% 12.86M $531.83M
2 Dimensional Fund Advisors LP 5.73% 4.35M $179.93M
3 Vanguard Capital Management LLC 4.52% 3.43M $141.83M
4 State Street Corporation 4.35% 3.30M $136.57M
5 Vanguard Portfolio Management LLC 3.96% 3.01M $124.31M
6 American Century Companies Inc 3.58% 2.72M $112.46M
7 Geode Capital Management, LLC 2.65% 2.01M $83.29M
8 Van Berkom & Associates Inc. 2.62% 1.99M $82.29M
9 Nomura Asset Management International Inc 2.20% 1.67M $68.96M
10 Bank of America Corporation 1.72% 1.30M $53.94M

Analyst View

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Latest News

Recent headlines for NMIH

Google News Sun, 12 Jul 2026

NMI Holdings (NMIH) Could Be 11% Undervalued After Its Recent Share Price Climb - Yahoo Finance

<a href="https://news.google.com/rss/articles/CBMilgFBVV95cUxQV0hYcmZIdWkwaVdLNGloZmd1Q1NnQUZCWGdxTHExSDB6UXNFOWozVFZHUi1nTEdvX2VlRHZVQjhuQ2hoaUt1aHdIOUJhNnUwbzRBN09NUjUyQ0tHaHlJVjJBRGVXbmtDREs5aE9pa1NqMUlXMWxqbkU4dDFSRTFUczIwXzN0RjBlX3Bpa1…

Google News Wed, 15 Jul 2026

NMI Holdings (NMIH) Gets Analyst Backing, Is It Still 9% Undervalued? - simplywall.st

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Google News ue, 14 Jul 2026

NMI Holdings stock hits 52-week high at 42.28 USD - Investing.com

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Google News Mon, 13 Jul 2026

NMIH Maintained by JP Morgan -- Price Target Raised to $48.00 - GuruFocus

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Google News Fri, 01 May 2026

NMIH Q1 Deep Dive: Margin Compression and Credit Normalization Shape Outlook - StockStory

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Google News hu, 09 Jul 2026

How (NMIH) Movements Inform Risk Allocation Models - Stock Traders Daily

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NMIH — Frequently Asked Questions

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

As of 2026-07-14 21:23 PDT, NMI Holdings, Inc. (NMIH) trades at $41.91 on NasdaqGM. Its 52-week range is $35.35 to $41.91.

What is the market capitalisation of NMIH?

NMI Holdings, Inc. (NMIH) has a market capitalisation of $3.18B on NasdaqGM.

What is the P/E ratio of NMIH?

NMIH trades at a trailing price-to-earnings (P/E) ratio of 8.52. The industry average P/E is 13.30. Its price-to-book (P/B) ratio is 1.07.

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

NMIH has a return on equity (ROE) of 15.57%.

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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