Heartland Financial USA Statistics
Total Valuation
NMI Holdings has a market cap or net worth of $3.10 billion. The enterprise value is $3.45 billion.
Important Dates
The last earnings date was Tuesday, July 29, 2025, after market close.
| Earnings Date | Jul 29, 2025 |
| Ex-Dividend Date | n/a |
Share Statistics
NMI Holdings has 77.57 million shares outstanding. The number of shares has decreased by -2.73% in one year.
| Current Share Class | 77.57M |
| Shares Outstanding | 77.57M |
| Shares Change (YoY) | -2.73% |
| Shares Change (QoQ) | -0.75% |
| Owned by Insiders (%) | 1.62% |
| Owned by Institutions (%) | 98.26% |
| Float | 76.28M |
Valuation Ratios
The trailing PE ratio is 8.50 and the forward PE ratio is 8.10. NMI Holdings's PEG ratio is 1.15.
| PE Ratio | 8.50 |
| Forward PE | 8.10 |
| PS Ratio | 4.64 |
| Forward PS | 4.87 |
| PB Ratio | 1.28 |
| P/TBV Ratio | 1.28 |
| P/FCF Ratio | 8.01 |
| P/OCF Ratio | 7.88 |
| PEG Ratio | 1.15 |
Financial Ratio HistoryEnterprise Valuation
The stock's EV/EBITDA ratio is 6.56, with an EV/FCF ratio of 8.89.
| EV / Earnings | 9.12 |
| EV / Sales | 5.07 |
| EV / EBITDA | 6.56 |
| EV / EBIT | 6.71 |
| EV / FCF | 8.89 |
Financial Position
The company has a current ratio of 2.19, with a Debt / Equity ratio of 0.18.
| Current Ratio | 2.19 |
| Quick Ratio | 0.95 |
| Debt / Equity | 0.18 |
| Debt / EBITDA | 0.81 |
| Debt / FCF | 1.10 |
| Interest Coverage | 18.08 |
Financial Efficiency
Return on equity (ROE) is 16.91% and return on invested capital (ROIC) is 12.07%.
| Return on Equity (ROE) | 16.91% |
| Return on Assets (ROA) | 9.59% |
| Return on Invested Capital (ROIC) | 12.07% |
| Return on Capital Employed (ROCE) | 15.62% |
| Revenue Per Employee | $2.95M |
| Profits Per Employee | $1.64M |
| Employee Count | 230 |
| Asset Turnover | 0.20 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, NMI Holdings has paid $107.49 million in taxes.
| Income Tax | 107.49M |
| Effective Tax Rate | 22.15% |
Stock Price Statistics
The stock price has increased by +8.83% in the last 52 weeks. The beta is 0.57, so NMI Holdings's price volatility has been lower than the market average.
| Beta (5Y) | 0.57 |
| 52-Week Price Change | +8.83% |
| 50-Day Moving Average | 39.55 |
| 200-Day Moving Average | 37.55 |
| Relative Strength Index (RSI) | 62.91 |
| Average Volume (20 Days) | 464,866 |
Short Selling Information
The latest short interest is 1.82 million, so 2.34% of the outstanding shares have been sold short.
| Short Interest | 1.82M |
| Short Previous Month | 1.83M |
| Short % of Shares Out | 2.34% |
| Short % of Float | 2.38% |
| Short Ratio (days to cover) | 3.58 |
Income Statement
In the last 12 months, NMI Holdings had revenue of $679.62 million and earned $377.69 million in profits. Earnings per share was $4.71.
| Revenue | 679.62M |
| Gross Profit | 536.10M |
| Operating Income | 513.57M |
| Pretax Income | 445.69M |
| Net Income | 377.69M |
| EBITDA | 525.24M |
| EBIT | 513.57M |
| Earnings Per Share (EPS) | $4.71 |
Full Income StatementBalance Sheet
The company has $204.29 million in cash and $425.49 million in debt, giving a net cash position of -$341.48 million or -$4.40 per share.
| Cash & Cash Equivalents | 204.29M |
| Total Debt | 425.49M |
| Net Cash | -341.48M |
| Net Cash Per Share | -$4.40 |
| Equity (Book Value) | 2.42B |
| Book Value Per Share | 31.14 |
| Working Capital | 363.10M |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $393.75 million and capital expenditures -$6.23 million, giving a free cash flow of $387.52 million.
| Operating Cash Flow | 393.75M |
| Capital Expenditures | -6.23M |
| Free Cash Flow | 387.52M |
| FCF Per Share | $5.00 |
Full Cash Flow StatementMargins
Gross margin is 78.88%, with operating and profit margins of 75.57% and 55.57%.
| Gross Margin | 78.88% |
| Operating Margin | 75.57% |
| Pretax Margin | 71.39% |
| Profit Margin | 55.57% |
| EBITDA Margin | 77.28% |
| EBIT Margin | 75.57% |
| FCF Margin | 57.02% |
Dividends & Yields
NMI Holdings does not appear to pay any dividends at this time.
| Dividend Per Share | n/a |
| Dividend Yield | n/a |
| Dividend Growth (YoY) | n/a |
| Years of Dividend Growth | n/a |
| Payout Ratio | n/a |
| Buyback Yield | 2.73% |
| Shareholder Yield | 2.73% |
| Earnings Yield | 12.17% |
| FCF Yield | 12.49% |
Dividend DetailsAnalyst Forecast
The average price target for NMI Holdings is $42.33, which is 5.79% higher than the current price. The consensus rating is "Buy".
| Price Target | $42.33 |
| Price Target Difference | 5.79% |
| Analyst Consensus | Buy |
| Analyst Count | 6 |
| Revenue Growth Forecast (5Y) | n/a |
| EPS Growth Forecast (5Y) | n/a |
Stock ForecastsFair Value
There are several formulas that can be used to estimate the intrinsic value of a stock.
| Lynch Fair Value | |
| Lynch Upside | |
| Graham Number | |
| Graham Upside | |
Stock Splits
This stock does not have any record of stock splits.
| Last Split Date | n/a |
| Split Type | n/a |
| Split Ratio | n/a |
Scores
| Altman Z-Score | n/a |
| Piotroski F-Score | 5 |
