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
$3B
8.21
$4.71
0.56
-
Price and volume
Market cap
$3B
Beta
0.56
52-week high
$43.20
52-week low
$31.90
Average daily volume
331K
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)
8.206
Price to revenue (TTM)
4.475
Price to book
1.24
Price to tangible book (TTM)
1.24
Price to free cash flow (TTM)
7.849
Free cash flow yield (TTM)
12.74%
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 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
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 $3B as of September 18, 2025.
What is the P/E ratio for NMI Holdings stock?
The price to earnings (P/E) ratio for NMI Holdings (NMIH) stock is 8.21 as of September 18, 2025.
Does NMI Holdings stock pay dividends?
No, NMI Holdings (NMIH) stock does not pay dividends to its shareholders as of September 18, 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.