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
230
Headquarters
Website
NMI Holdings Metrics
BasicAdvanced
$2.8B
7.54
$4.79
0.67
-
Price and volume
Market cap
$2.8B
Beta
0.67
52-week high
$43.20
52-week low
$31.90
Average daily volume
400K
Financial strength
Current ratio
1.853
Quick ratio
0.668
Long term debt to equity
16.92
Total debt to equity
16.92
Interest coverage (TTM)
18.21%
Profitability
EBITDA (TTM)
529.455
Gross margin (TTM)
78.08%
Net profit margin (TTM)
55.02%
Operating margin (TTM)
74.83%
Effective tax rate (TTM)
22.20%
Revenue per employee (TTM)
$3,010,000
Management effectiveness
Return on assets (TTM)
9.19%
Return on equity (TTM)
16.17%
Valuation
Price to earnings (TTM)
7.536
Price to revenue (TTM)
4.076
Price to book
1.11
Price to tangible book (TTM)
1.11
Growth
Revenue change (TTM)
8.86%
Earnings per share change (TTM)
9.56%
3-year revenue growth (CAGR)
10.34%
10-year revenue growth (CAGR)
32.46%
3-year earnings per share growth (CAGR)
14.08%
10-year earnings per share growth (CAGR)
23.87%
What the Analysts think about NMI Holdings
Analyst ratings (Buy, Hold, Sell) for NMI Holdings stock.
Bulls say / Bears say
NMI Holdings delivered record Q1 2025 net income of $102.6 million, a 15% increase year-over-year, reflecting strong underwriting performance and premium growth. (GlobeNewswire)
Primary insurance-in-force grew 5% year-over-year to $214.7 billion at the end of Q2 2025, underscoring portfolio expansion and customer diversification. (GlobeNewswire)
Book value per share excluding net unrealized gains and losses increased 17% year-over-year to $30.85 as of March 31, 2025, highlighting robust balance sheet strength. (GlobeNewswire)
Insurance claims and claim expenses surged to $13.4 million in Q2 2025 from $0.3 million a year earlier, pushing the loss ratio to 9.0% and signaling elevated credit losses. (GlobeNewswire)
Adjusted net income declined 6% sequentially to $96.5 million in Q2 2025 from $102.5 million in Q1, indicating margin pressure from rising claims and operating expenses. (GlobeNewswire)
Despite the average 30-year fixed mortgage rate easing to 6.30%, prospective buyers remained cautious with pending home sales down 1.3% year-over-year in September 2025, which may constrain new mortgage insurance volumes. (Reuters)
Data summarised monthly by Lightyear AI. Last updated on 3 Nov 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 November 08, 2025.
What is the P/E ratio for NMI Holdings stock?
The price to earnings (P/E) ratio for NMI Holdings (NMIH) stock is 7.54 as of November 08, 2025.
Does NMI Holdings stock pay dividends?
No, NMI Holdings (NMIH) stock does not pay dividends to its shareholders as of November 08, 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 0.67. 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.