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NMIH Valuation

NMI Holdings Inc
$
38.290
+0.44(1.162%)1D
  • Overview
  • Forecast
  • Valuation
  • Earnings

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 Undervalued zone, suggesting that its current forward PE ratio of 7.66 is considered Undervalued compared with the five-year average of 7.38. The fair price of NMI Holdings Inc (NMIH) is between 41.58 to 50.67 according to relative valuation methord. Compared to the current price of 38.29 USD , NMI Holdings Inc is Undervalued By 7.91%.
Relative Value
Fair Zone
41.58-50.67
Current Price:38.29
7.91%
Undervalued
7.66
PE
1Y
3Y
5Y
Trailing
Forward
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 4.31. The thresholds are as follows: Strongly Undervalued below -1.74, Undervalued between -1.74 and 1.28, Fairly Valued between 7.33 and 1.28, Overvalued between 7.33 and 10.35, and Strongly Overvalued above 10.35. The current Forward EV/EBIT of 0.00 falls within the Undervalued range.
4.05
PS
NMI Holdings Inc. (NMIH) has a current PS of 4.05. The 5-year average PS is 3.74. The thresholds are as follows: Strongly Undervalued below 2.74, Undervalued between 2.74 and 3.24, Fairly Valued between 4.24 and 3.24, Overvalued between 4.24 and 4.74, and Strongly Overvalued above 4.74. The current Forward PS of 4.05 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 1.22. Compared to its 3-year average P/B ratio of 1.28 , the current P/B ratio is approximately -5.19% higher. Relative to its 5-year average P/B ratio of 1.29, the current P/B ratio is about -5.53% higher. NMI Holdings Inc (NMIH) has a Forward Free Cash Flow (FCF) yield of approximately 13.29%. Compared to its 3-year average FCF yield of 14.20%, the current FCF yield is approximately -6.44% lower. Relative to its 5-year average FCF yield of 14.78% , the current FCF yield is about -10.10% lower.
1.22
P/B
Median3y
1.28
Median5y
1.29
13.29
FCF Yield
Median3y
14.20
Median5y
14.78

Competitors Valuation Multiple

The average P/S ratio for NMIH's competitors is 2.20, providing a benchmark for relative valuation. NMI Holdings Inc Corp (NMIH) exhibits a P/S ratio of 4.05, which is 83.61% above the industry average. Given its robust revenue growth of 7.19%, this premium appears unsustainable.

Performance Decomposition

1Y
3Y
5Y
Market capitalization of NMIH decreased by 6.77% over the past 1 year. The primary factor behind the change was an increase in Revenue Growth from 162.12M to 173.78M.
The secondary factor is the Margin Expansion, contributed -2.59%to the performance.
Overall, the performance of NMIH in the past 1 year is driven by Revenue Growth. Which is more sustainable.
7.19%
162.12M → 173.78M
Revenue Growth
+
-2.59%
56.80 → 55.33
Margin Expansion
+
-11.37%
9.07 → 8.04
P/E Change
=
-6.77%
41.07 → 38.29
Mkt Cap Growth

FAQ

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

NMI Holdings Inc (NMIH) is now in the Undervalued zone, suggesting that its current forward PE ratio of 7.66 is considered Undervalued compared with the five-year average of 7.38. The fair price of NMI Holdings Inc (NMIH) is between 41.58 to 50.67 according to relative valuation methord. Compared to the current price of 38.29 USD , NMI Holdings Inc is Undervalued By 7.91% .
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What is NMI Holdings Inc (NMIH) fair value?

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

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What is the current P/B ratio for NMI Holdings Inc (NMIH) as of Aug 07 2025?

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What is the current FCF Yield for NMI Holdings Inc (NMIH) as of Aug 07 2025?

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What is the current Forward P/E ratio for NMI Holdings Inc (NMIH) as of Aug 07 2025?

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What is the current Forward P/S ratio for NMI Holdings Inc (NMIH) as of Aug 07 2025?