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NMIH Overview

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$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
OverviewStock Price PredictionTechnicalValuationFinancialsEarningsShould I BuyNews & Events
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Intellectia

Loading chart...

High
37.965
Open
37.880
VWAP
37.33
Vol
265.80K
Mkt Cap
2.88B
Low
36.980
Amount
9.92M
EV/EBITDA(TTM)
6.04
Total Shares
76.03M
EV
3.26B
EV/OCF(TTM)
7.77
P/S(TTM)
4.24
NMI Holdings, Inc. provides mortgage insurance (MI), through its wholly owned insurance subsidiaries, National Mortgage Insurance Corporation (NMIC) and National Mortgage Reinsurance Inc One (Re One). NMIC is its primary insurance subsidiary and is licensed to write MI coverage in all 50 states and District of Columbia (D.C.). Its subsidiary, NMI Services, Inc. (NMIS), provides outsourced loan review services to mortgage loan originators. It offers two principal types of MI coverage, primary and pool. Primary MI provides default protection on individual mortgage loans at specified coverage percentages. All its primary insurance is written on first-lien mortgage loans, with nearly all secured by owner-occupied single-family homes (defined as one-to-four family homes and condominiums). Pool insurance is generally used to provide additional credit enhancement for certain secondary market mortgage transactions. It offers outsourced loan review services to mortgage originators through NMIS.
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Events Timeline

(ET)
2026-02-10
16:10:00
National MI Reports Q4 Revenue of $180.7M
select
2025-11-04 (ET)
2025-11-04
16:28:00
NMI Holdings announces Q3 adjusted EPS of $1.22, surpassing consensus estimate of $1.21
select
2025-07-29 (ET)
2025-07-29
16:10:15
NMI Holdings reports Q2 adjusted EPS $1.22, consensus $1.19
select

News

seekingalpha
9.5
02-11seekingalpha
NMI Holdings Reports Record Q4 2025 Earnings and Growth
  • Significant Earnings Growth: NMI Holdings reported total revenue of $180.7 million in Q4 2025, an 8% increase from Q4 2024, with net income reaching $94.2 million and diluted EPS of $1.20, reflecting the company's strong performance and profitability in the insurance market.
  • Insurance Business Expansion: The company achieved $14.2 billion in new insurance written in Q4 2025, with total insurance-in-force growing to $221.4 billion, a 5.4% increase from 2024, indicating NMI's competitive strength and expanding customer base in the market.
  • Enhanced Shareholder Returns: NMI repurchased $31 million of common stock in Q4, retiring 811,000 shares at an average price of $37.72, demonstrating the company's commitment to shareholder value and robust cash flow management.
  • Optimistic Outlook: While no explicit guidance for 2026 was provided, management expressed confidence in the long-term prospects of the private mortgage insurance market, emphasizing the resilience of the macro environment and ongoing business opportunities, with expectations for stable core yields.
seekingalpha
9.5
02-10seekingalpha
NMI Holdings Q4 Earnings Beat Expectations
  • Earnings Beat: NMI Holdings reported a Q4 non-GAAP EPS of $1.20, exceeding expectations by $0.01, which reflects the company's strong profitability and boosts investor confidence.
  • Stable Revenue Growth: The company achieved Q4 revenue of $180.74 million, an 8.6% year-over-year increase, aligning with market expectations and indicating solid performance in a competitive landscape.
  • Positive Market Reaction: The earnings beat is likely to elicit a positive market response, potentially driving the stock price higher and enhancing the company's appeal in the capital markets.
  • Optimistic Outlook: With ongoing operational optimizations and market share expansion, NMI Holdings is expected to maintain steady revenue growth in the coming quarters, further solidifying its position in the industry.
seekingalpha
9.5
02-09seekingalpha
NMI Holdings Set to Announce Q4 Earnings on February 10th
  • Earnings Announcement Date: NMI Holdings (NMIH) is set to release its Q4 2023 earnings on February 10th after market close, with consensus EPS estimates at $1.19, reflecting an 11.2% year-over-year growth, indicating sustained profitability.
  • Revenue Expectations: The anticipated revenue for Q4 is $180.74 million, representing an 8.6% year-over-year increase, suggesting robust sales performance and the company's ability to navigate industry challenges effectively.
  • Historical Performance: Over the past two years, NMIH has exceeded EPS and revenue estimates 88% of the time, showcasing the company's reliability in financial forecasting and bolstering market confidence.
  • Estimate Revision Trends: In the last three months, EPS estimates have seen three upward revisions with no downward adjustments, while revenue estimates experienced one upward and one downward revision, reflecting optimistic market sentiment regarding NMIH's future performance.
NASDAQ.COM
2.0
01-13NASDAQ.COM
NMI Holdings (NMIH) Shares Oversold with RSI at 28.7
  • Oversold Signal: NMI Holdings (NMIH) shares have dropped to $36.38, with an RSI of 28.7, indicating that the recent heavy selling may be nearing exhaustion, thus presenting potential buying opportunities for investors.
  • Market Comparison: Compared to the S&P 500 ETF (SPY) with an RSI of 59.5, NMIH's oversold condition may attract bullish investors looking for entry points to capitalize on a potential rebound.
  • Historical Performance: NMIH's 52-week low is $31.90 and the high is $43.20, with the current trading price at $36.39, reflecting its performance within this range and potentially influencing investor decisions.
  • Investor Sentiment: Despite being in an oversold territory, investors should cautiously assess market sentiment and future trends to avoid making erroneous decisions in an uncertain market environment.
NASDAQ.COM
2.0
01-13NASDAQ.COM
NMIH Stock Fluctuation: 52-Week Low at $31.90, High at $43.20
  • Stock Price Analysis: NMIH's 52-week low is $31.90, with a high of $43.20, and the last trade at $37.83 indicates price fluctuations within this range, reflecting market caution regarding its future performance.
  • Market Trend Observation: The current price of $37.83 is close to the 52-week low, which may attract investor attention to its future trajectory, especially amid an uncertain overall market environment.
  • Technical Indicator Focus: NMIH's stock price has fallen below the 200-day moving average, potentially signaling further downside risk in the short term, prompting investors to closely monitor subsequent market reactions.
  • Investor Sentiment Assessment: Despite the current price being in a fluctuating range, market opinions on NMIH remain divided, necessitating cautious decision-making by investors based on technical indicators and market trends.
NASDAQ.COM
4.0
2025-12-12NASDAQ.COM
Daily Upgrade Report for Validea's Peter Lynch Strategy - December 12, 2025
  • Validea's P/E/Growth Investor Model: The model, based on Peter Lynch's strategy, evaluates stocks for reasonable pricing relative to earnings growth and strong balance sheets, with ratings for various companies reflecting their underlying fundamentals and valuations.

  • Company Ratings Overview: Companies like Limbach Holdings, MPLX LP, and American Homes 4 Rent have seen their ratings increase, indicating growing interest based on their financial health and market performance, with American Homes 4 Rent achieving a notable score of 91%.

  • Diverse Industry Representation: The report highlights a range of companies across different sectors, including healthcare, real estate, and energy, showcasing the model's broad applicability in identifying investment opportunities.

  • Peter Lynch's Investment Philosophy: Lynch is recognized for his successful investment strategies, emphasizing simplicity and practicality in stock selection, which has influenced the methodologies used by Validea in their stock analysis and recommendations.

Wall Street analysts forecast NMIH stock price to rise
3 Analyst Rating
Wall Street analysts forecast NMIH stock price to rise
2 Buy
1 Hold
0 Sell
Moderate Buy
Current: 0.000
sliders
Low
43.00
Averages
45.00
High
48.00
Current: 0.000
sliders
Low
43.00
Averages
45.00
High
48.00
Barclays
Equal Weight
maintain
$43 -> $44
AI Analysis
2026-01-06
Reason
Barclays
Price Target
$43 -> $44
AI Analysis
2026-01-06
maintain
Equal Weight
Reason
Barclays raised the firm's price target on NMI Holdings to $44 from $43 and keeps an Equal Weight rating on the shares. The firm sees additional upside in select consumer finance name in 2026. A "benign' credit environment sets the stage for loan growth, the analyst tells investors in a research note. Barclays also forecasts a better mortgage origination market in 2026. The firm adjusted price targets as part of its 2026 outlook.
Keefe Bruyette
Bose George
Market Perform
to
Outperform
upgrade
$46 -> $48
2025-12-17
Reason
Keefe Bruyette
Bose George
Price Target
$46 -> $48
2025-12-17
upgrade
Market Perform
to
Outperform
Reason
Keefe Bruyette analyst Bose George upgraded NMI Holdings to Outperform from Market Perform with a price target of $48, up from $46. The firm expects a decline in short rates in 2026, but thinks the long-end will remain fairly range-bound. Heading into 2026, Keefe is "reasonably constructive" on the mortgage insurers given its expectation that the companies will generate double-digit book value growth. It upgrades NMI Holdings as part of its 2026 outlook.
Unlock Full Analyst Thesis, Get the complete breakdown of rating reason for NMIH
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Valuation Metrics

The current forward P/E ratio for NMI Holdings Inc (NMIH.O) is 8.13, compared to its 5-year average forward P/E of 7.20. For a more detailed relative valuation and DCF analysis to assess NMI Holdings Inc's fair value, Click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PE
7.20
Current PE
8.13
Overvalued PE
8.15
Undervalued PE
6.24

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average EV/EBITDA
0.00
Current EV/EBITDA
0.00
Overvalued EV/EBITDA
0.00
Undervalued EV/EBITDA
0.00

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PS
3.75
Current PS
4.25
Overvalued PS
4.26
Undervalued PS
3.25

Financials

AI Analysis
Annual
Quarterly

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Whales Holding NMIH

V
Van Berkom and Associates Inc.
Holding
NMIH
+2.65%
3M Return
D
Donald Smith & Co., Inc.
Holding
NMIH
-18.80%
3M Return

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Frequently Asked Questions

What is NMI Holdings Inc (NMIH) stock price today?

The current price of NMIH is 37.04 USD — it has decreased -2.37

What is NMI Holdings Inc (NMIH)'s business?

NMI Holdings, Inc. provides mortgage insurance (MI), through its wholly owned insurance subsidiaries, National Mortgage Insurance Corporation (NMIC) and National Mortgage Reinsurance Inc One (Re One). NMIC is its primary insurance subsidiary and is licensed to write MI coverage in all 50 states and District of Columbia (D.C.). Its subsidiary, NMI Services, Inc. (NMIS), provides outsourced loan review services to mortgage loan originators. It offers two principal types of MI coverage, primary and pool. Primary MI provides default protection on individual mortgage loans at specified coverage percentages. All its primary insurance is written on first-lien mortgage loans, with nearly all secured by owner-occupied single-family homes (defined as one-to-four family homes and condominiums). Pool insurance is generally used to provide additional credit enhancement for certain secondary market mortgage transactions. It offers outsourced loan review services to mortgage originators through NMIS.

What is the price predicton of NMIH Stock?

Wall Street analysts forecast NMIH stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for NMIH is45.00 USD with a low forecast of 43.00 USD and a high forecast of 48.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

What is NMI Holdings Inc (NMIH)'s revenue for the last quarter?

NMI Holdings Inc revenue for the last quarter amounts to 180.74M USD, increased 8.55

What is NMI Holdings Inc (NMIH)'s earnings per share (EPS) for the last quarter?

NMI Holdings Inc. EPS for the last quarter amounts to 1.20 USD, increased 12.15

How many employees does NMI Holdings Inc (NMIH). have?

NMI Holdings Inc (NMIH) has 225 emplpoyees as of March 11 2026.

What is NMI Holdings Inc (NMIH) market cap?

Today NMIH has the market capitalization of 2.88B USD.