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
Headquarters
Website
NMI Holdings Metrics
BasicAdvanced
$2.8B
7.72
$4.71
0.56
-
Price and volume
Market cap
$2.8B
Beta
0.56
52-week high
$43.20
52-week low
$31.90
Average daily volume
393K
Financial strength
Current ratio
2.194
Quick ratio
0.947
Long term debt to equity
17.582
Total debt to equity
17.582
Interest coverage (TTM)
18.08%
Profitability
EBITDA (TTM)
525.293
Gross margin (TTM)
78.88%
Net profit margin (TTM)
55.57%
Operating margin (TTM)
75.57%
Effective tax rate (TTM)
22.15%
Revenue per employee (TTM)
$2,920,000
Management effectiveness
Return on assets (TTM)
9.59%
Return on equity (TTM)
16.91%
Valuation
Price to earnings (TTM)
7.722
Price to revenue (TTM)
4.211
Price to book
1.17
Price to tangible book (TTM)
1.17
Price to free cash flow (TTM)
7.385
Free cash flow yield (TTM)
13.54%
Free cash flow per share (TTM)
4.922
Growth
Revenue change (TTM)
9.99%
Earnings per share change (TTM)
11.30%
3-year revenue growth (CAGR)
10.13%
10-year revenue growth (CAGR)
35.61%
3-year earnings per share growth (CAGR)
15.96%
10-year earnings per share growth (CAGR)
21.53%
What the Analysts think about NMI Holdings
Analyst ratings (Buy, Hold, Sell) for NMI Holdings stock.
Bulls say / Bears say
Primary insurance-in-force hit $214.7 billion at Q2 2025, up 5% year-over-year, with new insurance written totaling $12.5 billion (+35% sequentially), helping deliver record Q2 revenue of $173.8 million, a 7.2% increase from Q2 2024. (Nasdaq)
At quarter-end, NMIH posted PMIERs available assets of $3.2 billion versus required assets of $1.9 billion, resulting in a $1.3 billion regulatory capital surplus. Book value per share (excluding net unrealized gains and losses) rose 16% year-over-year to $32.08. (Nasdaq)
NMI Holdings shares have a “Moderate Buy” consensus from seven analysts, with an average 12-month price target of $42.14—implying more than 10% upside from recent trading. (American Banking & Market News)
The GAAP loss ratio rose sharply to 9.0% in Q2 2025 from 0.2% in Q2 2024, due to higher claims expenses and concerns about credit normalization. (Nasdaq)
Data summarised monthly by Lightyear AI. Last updated on 2 Oct 2025.
NMI Holdings Financial Performance
Revenues and expenses
NMI Holdings Earnings Performance
Company profitability
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.
Capital at risk
Upcoming events
No upcoming events
FAQs
What’s the current market cap for NMI Holdings stock?
NMI Holdings (NMIH) has a market cap of $2.8B as of October 31, 2025.
What is the P/E ratio for NMI Holdings stock?
The price to earnings (P/E) ratio for NMI Holdings (NMIH) stock is 7.72 as of October 31, 2025.
Does NMI Holdings stock pay dividends?
No, NMI Holdings (NMIH) stock does not pay dividends to its shareholders as of October 31, 2025.
When is the next NMI Holdings dividend payment date?
NMI Holdings (NMIH) stock does not pay dividends to its shareholders.
What is the beta indicator for NMI Holdings?
NMI Holdings (NMIH) has a beta rating of 0.56. This means that it is less volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 0.5 would mean it moves half as much as the market.