Historical Valuation
NMI Holdings Inc (NMIH) is now in the Fair zone, suggesting that its current forward PE ratio of 8.13 is considered Fairly compared with the five-year average of 7.24. The fair price of NMI Holdings Inc (NMIH) is between 39.00 to 46.60 according to relative valuation methord.
Relative Value
Fair Zone
39.00-46.60
Current Price：39.88
Fair
P/E
EV/EBITDA
EV/EBIT
P/S
P/OCF
P/FCF
1Y
3Y
5Y
Trailing
Forward
NMI Holdings Inc (NMIH) has a current Price-to-Book (P/B) ratio of 1.24. Compared to its 3-year average P/B ratio of 1.29 , the current P/B ratio is approximately -3.36% higher. Relative to its 5-year average P/B ratio of 1.27, the current P/B ratio is about -2.14% higher. NMI Holdings Inc (NMIH) has a Forward Free Cash Flow (FCF) yield of approximately 12.39%. Compared to its 3-year average FCF yield of 13.58%, the current FCF yield is approximately -8.75% lower. Relative to its 5-year average FCF yield of 14.65% , the current FCF yield is about -15.44% lower.
P/B
Median3y
1.29
Median5y
1.27
FCF Yield
Median3y
13.58
Median5y
14.65
Competitors Valuation Multiple
AI Analysis for NMIH
The average P/S ratio for NMIH competitors is 2.49, providing a benchmark for relative valuation. NMI Holdings Inc Corp (NMIH.O) exhibits a P/S ratio of 4.25, which is 70.38% above the industry average. Given its robust revenue growth of 7.58%, this premium appears unsustainable.
Performance Decomposition
AI Analysis for NMIH
1Y
3Y
5Y
Market capitalization of NMIH increased by 0.00% over the past 1 year. The primary factor behind the change was an decrease in Unknown from 0.00 to 0.00.
The secondary factor is the Unknown, contributed 0.00%to the performance.
Overall, the performance of NMIH in the past 1 year is driven by Unknown.
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Frequently Asked Questions
Is NMIH currently overvalued or undervalued?
NMI Holdings Inc (NMIH) is now in the Fair zone, suggesting that its current forward PE ratio of 8.13 is considered Fairly compared with the five-year average of 7.24. The fair price of NMI Holdings Inc (NMIH) is between 39.00 to 46.60 according to relative valuation methord.
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 39.00 to 46.60 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 2.49, providing a benchmark for relative valuation. NMI Holdings Inc Corp (NMIH) exhibits a P/S ratio of 4.25, which is 70.38% 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 Jan 09 2026?
As of Jan 09 2026, NMI Holdings Inc (NMIH) has a P/B ratio of 1.24. This indicates that the market values NMIH at 1.24 times its book value.
What is the current FCF Yield for NMI Holdings Inc (NMIH) as of Jan 09 2026?
As of Jan 09 2026, NMI Holdings Inc (NMIH) has a FCF Yield of 12.39%. This means that for every dollar of NMI Holdings Inc’s market capitalization, the company generates 12.39 cents in free cash flow.
What is the current Forward P/E ratio for NMI Holdings Inc (NMIH) as of Jan 09 2026?
As of Jan 09 2026, NMI Holdings Inc (NMIH) has a Forward P/E ratio of 8.13. This means the market is willing to pay $8.13 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 Jan 09 2026?
As of Jan 09 2026, NMI Holdings Inc (NMIH) has a Forward P/S ratio of 4.25. This means the market is valuing NMIH at $4.25 for every dollar of expected revenue over the next 12 months.