NMIH Should I Buy
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NMI Holdings Inc. (NMIH) is a good buy for a beginner investor with a long-term strategy and $50,000-$100,000 available for investment. The company has demonstrated strong financial performance, positive analyst sentiment, and bullish technical indicators. The lack of significant negative catalysts and the favorable market outlook for 2026 further support this recommendation.
The technical indicators suggest a bullish trend. The MACD is positive and contracting, RSI is neutral at 65.484, and moving averages are bullish (SMA_5 > SMA_20 > SMA_200). The stock is trading above its pivot level of 39.957, with resistance levels at 41.515 and 42.478, indicating potential upside.
Record Q4 2025 earnings with revenue up 8.55% YoY and net income up 9.34% YoY.
Analysts have raised price targets and upgraded the stock, citing strong book value growth and a favorable mortgage market outlook for
Bullish technical indicators and positive sentiment in the options market.
Short-term stock trend analysis indicates a 30% chance of a -1.88% decline in the next day and -4.07% in the next week, which could deter short-term traders.
No recent congress trading data or significant insider/hedge fund activity to provide additional confidence.
In Q4 2025, NMI Holdings reported revenue of $180.7 million (up 8.55% YoY), net income of $94.2 million (up 9.34% YoY), and EPS of $1.20 (up 12.15% YoY). This strong growth highlights the company's solid financial health and operational efficiency.
Analysts are optimistic about NMI Holdings. Barclays raised its price target to $44 and Keefe Bruyette upgraded the stock to Outperform with a price target of $48, citing expectations of double-digit book value growth and a favorable credit environment in 2026.
