NMI Holdings/$NMIH

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About NMI Holdings

NMI Holdings Inc through its subsidiaries provides private mortgage guaranty insurance. 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. It protects lenders and investors from default-related losses on a portion of the unpaid principal balance of a covered mortgage.

Ticker

$NMIH
Sector
Primary listing

Employees

233

NMI Holdings Metrics

BasicAdvanced
$3B
8.33
$4.71
0.56
-

What the Analysts think about NMI Holdings

Analyst ratings (Buy, Hold, Sell) for NMI Holdings stock.

Bulls say / Bears say

Primary insurance-in-force grew 5% year-over-year to $214.7 billion at the end of Q2 2025, underscoring robust portfolio expansion. (GLOBE NEWSWIRE (turn1search0))
Book value per share excluding unrealized gains rose 16% year-over-year to $32.08, reflecting strong balance sheet growth. (GLOBE NEWSWIRE (turn1search0))
Net premiums earned increased 6% year-over-year to $149.1 million in Q2 2025, driven by continued portfolio quality and pricing discipline. (GLOBE NEWSWIRE (turn1search0))
Loss ratio surged to 9.0% in Q2 2025 from just 0.2% in Q2 2024, indicating a significant uptick in default-related expenses. (Motley Fool (turn5search1))
Adjusted return on equity declined to 16.3% in Q2 2025 from 19.4% in Q2 2024, reflecting margin compression despite higher revenue. (GLOBE NEWSWIRE (turn1search0))
New insurance written volume was flat at $12.5 billion year-over-year in Q2 2025, suggesting limited growth in new business. (GLOBE NEWSWIRE (turn1search0))
Data summarised monthly by Lightyear AI. Last updated on 1 Sept 2025.

NMI Holdings Financial Performance

Revenues and expenses
QuarterlyAnnual
Q3 24
QoQ growth
Revenue
$37B
-39.75%
Net income
$45B
107.52%
Profit margin
37.65%
6.78%

NMI Holdings Earnings Performance

Company profitability
QuarterlyAnnual
Q4 23
Q1 24
Q2 24
Q3 24
Q4 24
Actual
$3.69
$2.85
$2.45
$2.42
-
Expected
$3.55
$2.61
$2.05
$2.31
$3.94
Surprise
3.94%
9.20%
19.51%
4.63%
-
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
Real-time US market data is sourced from the IEX order book provided by Polygon. After-hours US market data is 15 minutes delayed and may differ significantly from the actual tradable price at market open.

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