NMIH PE Ratio & Valuation,Is NMIH Overvalued

NMIH Relative Valuation

NMIH's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, NMIH is overvalued; if below, it's undervalued.

Historical Valuation

NMI Holdings Inc (NMIH) is now in the Fair zone, suggesting that its current forward PE ratio of 7.96 is considered Fairly compared with the five-year average of 7.26. The fair price of NMI Holdings Inc (NMIH) is between 36.95 to 44.86 according to relative valuation methord.

Relative Value

Fair Zone

36.95-44.86

Current Price：39.68

Fair

7.96

0.00

EV/EBITDA

NMI Holdings Inc. (NMIH) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

0.00

EV/EBIT

NMI Holdings Inc. (NMIH) has a current EV/EBIT of 0.00. The 5-year average EV/EBIT is 3.78. The thresholds are as follows: Strongly Undervalued below -2.38, Undervalued between -2.38 and 0.70, Fairly Valued between 6.86 and 0.70, Overvalued between 6.86 and 9.94, and Strongly Overvalued above 9.94. The current Forward EV/EBIT of 0.00 falls within the Undervalued range.

4.15

NMI Holdings Inc. (NMIH) has a current PS of 4.15. The 5-year average PS is 3.76. The thresholds are as follows: Strongly Undervalued below 2.77, Undervalued between 2.77 and 3.26, Fairly Valued between 4.26 and 3.26, Overvalued between 4.26 and 4.76, and Strongly Overvalued above 4.76. The current Forward PS of 4.15 falls within the Historic Trend Line -Fairly Valued range.

0.00

P/OCF

NMI Holdings Inc. (NMIH) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

NMI Holdings Inc. (NMIH) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

NMI Holdings Inc (NMIH) has a current Price-to-Book (P/B) ratio of 1.21. Compared to its 3-year average P/B ratio of 1.29 , the current P/B ratio is approximately -5.60% higher. Relative to its 5-year average P/B ratio of 1.28, the current P/B ratio is about -4.88% higher. NMI Holdings Inc (NMIH) has a Forward Free Cash Flow (FCF) yield of approximately 12.72%. Compared to its 3-year average FCF yield of 13.70%, the current FCF yield is approximately -7.15% lower. Relative to its 5-year average FCF yield of 14.66% , the current FCF yield is about -13.25% lower.

1.21

P/B

Median3y

1.29

Median5y

1.28

12.72

FCF Yield

Median3y

13.70

Median5y

14.66

Competitors Valuation Multiple

The average P/S ratio for NMIH's competitors is 2.08, providing a benchmark for relative valuation. NMI Holdings Inc Corp (NMIH) exhibits a P/S ratio of 4.15, which is 99.5% above the industry average. Given its robust revenue growth of 7.58%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

Revenue Growth

Market Cap

Performance Decomposition

Market capitalization of NMIH increased by 7.64% over the past 1 year. The primary factor behind the change was an increase in Revenue Growth from 166.09M to 178.68M.

The secondary factor is the P/E Change, contributed 3.91%to the performance.

Overall, the performance of NMIH in the past 1 year is driven by Revenue Growth. Which is more sustainable.

7.58%

166.09M → 178.68M

Revenue Growth

-3.85%

55.88 → 53.73

Margin Expansion

3.91%

7.95 → 8.27

P/E Change

7.64%

36.76 → 39.57

Mkt Cap Growth

People Also Watch

Frequently Asked Questions

Is NMI Holdings Inc (NMIH) currently overvalued or undervalued?

What is NMI Holdings Inc (NMIH) fair value?

NMIH's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average , adjusted by weights. The fair price of NMI Holdings Inc (NMIH) is between 36.95 to 44.86 according to relative valuation methord.

How does NMIH's valuation metrics compare to the industry average?

The average P/S ratio for NMIH's competitors is 2.08, providing a benchmark for relative valuation. NMI Holdings Inc Corp (NMIH) exhibits a P/S ratio of 4.15, which is 99.50% above the industry average. Given its robust revenue growth of 7.58%, this premium appears unsustainable.

What is the current P/B ratio for NMI Holdings Inc (NMIH) as of Dec 15 2025?

As of Dec 15 2025, NMI Holdings Inc (NMIH) has a P/B ratio of 1.21. This indicates that the market values NMIH at 1.21 times its book value.

What is the current FCF Yield for NMI Holdings Inc (NMIH) as of Dec 15 2025?

As of Dec 15 2025, NMI Holdings Inc (NMIH) has a FCF Yield of 12.72%. This means that for every dollar of NMI Holdings Inc’s market capitalization, the company generates 12.72 cents in free cash flow.

What is the current Forward P/E ratio for NMI Holdings Inc (NMIH) as of Dec 15 2025?

As of Dec 15 2025, NMI Holdings Inc (NMIH) has a Forward P/E ratio of 7.96. This means the market is willing to pay $7.96 for every dollar of NMI Holdings Inc’s expected earnings over the next 12 months.

What is the current Forward P/S ratio for NMI Holdings Inc (NMIH) as of Dec 15 2025?

As of Dec 15 2025, NMI Holdings Inc (NMIH) has a Forward P/S ratio of 4.15. This means the market is valuing NMIH at $4.15 for every dollar of expected revenue over the next 12 months.

NMIH Valuation

NMIH Valuation

NMIH Relative Valuation

Historical Valuation

Competitors Valuation Multiple

Performance Decomposition

People Also Watch

Frequently Asked Questions

Is NMI Holdings Inc (NMIH) currently overvalued or undervalued?

What is NMI Holdings Inc (NMIH) fair value?

How does NMIH's valuation metrics compare to the industry average?

What is the current P/B ratio for NMI Holdings Inc (NMIH) as of Dec 15 2025?

What is the current FCF Yield for NMI Holdings Inc (NMIH) as of Dec 15 2025?

What is the current Forward P/E ratio for NMI Holdings Inc (NMIH) as of Dec 15 2025?

What is the current Forward P/S ratio for NMI Holdings Inc (NMIH) as of Dec 15 2025?