NMI Holdings Statistics
Total Valuation
NMI Holdings has a market cap or net worth of $2.82 billion. The enterprise value is $3.07 billion.
Important Dates
The last earnings date was Tuesday, November 4, 2025, after market close.
| Earnings Date | Nov 4, 2025 |
| Ex-Dividend Date | n/a |
Share Statistics
NMI Holdings has 76.87 million shares outstanding. The number of shares has decreased by -2.62% in one year.
| Current Share Class | 76.87M |
| Shares Outstanding | 76.87M |
| Shares Change (YoY) | -2.62% |
| Shares Change (QoQ) | -0.54% |
| Owned by Insiders (%) | 1.63% |
| Owned by Institutions (%) | 98.60% |
| Float | 75.78M |
Valuation Ratios
The trailing PE ratio is 7.63 and the forward PE ratio is 7.33. NMI Holdings's PEG ratio is 1.03.
| PE Ratio | 7.63 |
| Forward PE | 7.33 |
| PS Ratio | 4.08 |
| Forward PS | 4.39 |
| PB Ratio | 1.11 |
| P/TBV Ratio | 1.11 |
| P/FCF Ratio | 7.18 |
| P/OCF Ratio | 7.06 |
| PEG Ratio | 1.03 |
Financial Ratio HistoryEnterprise Valuation
The stock's EV/EBITDA ratio is 5.80, with an EV/FCF ratio of 7.94.
| EV / Earnings | 8.07 |
| EV / Sales | 4.44 |
| EV / EBITDA | 5.80 |
| EV / EBIT | 5.93 |
| EV / FCF | 7.94 |
Financial Position
The company has a current ratio of 2.22, with a Debt / Equity ratio of 0.17.
| Current Ratio | 2.22 |
| Quick Ratio | 1.03 |
| Debt / Equity | 0.17 |
| Debt / EBITDA | 0.80 |
| Debt / FCF | 1.10 |
| Interest Coverage | 18.21 |
Financial Efficiency
Return on equity (ROE) is 16.17% and return on invested capital (ROIC) is 11.64%.
| Return on Equity (ROE) | 16.17% |
| Return on Assets (ROA) | 9.19% |
| Return on Invested Capital (ROIC) | 11.64% |
| Return on Capital Employed (ROCE) | 15.22% |
| Revenue Per Employee | $3.01M |
| Profits Per Employee | $1.66M |
| Employee Count | 230 |
| Asset Turnover | 0.20 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, NMI Holdings has paid $108.65 million in taxes.
| Income Tax | 108.65M |
| Effective Tax Rate | 22.20% |
Stock Price Statistics
The stock price has decreased by -6.87% in the last 52 weeks. The beta is 0.67, so NMI Holdings's price volatility has been lower than the market average.
| Beta (5Y) | 0.67 |
| 52-Week Price Change | -6.87% |
| 50-Day Moving Average | 37.66 |
| 200-Day Moving Average | 37.61 |
| Relative Strength Index (RSI) | 48.51 |
| Average Volume (20 Days) | 396,931 |
Short Selling Information
The latest short interest is 1.66 million, so 2.16% of the outstanding shares have been sold short.
| Short Interest | 1.66M |
| Short Previous Month | 1.63M |
| Short % of Shares Out | 2.16% |
| Short % of Float | 2.19% |
| Short Ratio (days to cover) | 4.12 |
Income Statement
In the last 12 months, NMI Holdings had revenue of $692.21 million and earned $380.88 million in profits. Earnings per share was $4.79.
| Revenue | 692.21M |
| Gross Profit | 540.46M |
| Operating Income | 517.98M |
| Pretax Income | 489.53M |
| Net Income | 380.88M |
| EBITDA | 529.51M |
| EBIT | 517.98M |
| Earnings Per Share (EPS) | $4.79 |
Full Income StatementBalance Sheet
The company has $248.50 million in cash and $425.51 million in debt, giving a net cash position of -$295.07 million or -$3.84 per share.
| Cash & Cash Equivalents | 248.50M |
| Total Debt | 425.51M |
| Net Cash | -295.07M |
| Net Cash Per Share | -$3.84 |
| Equity (Book Value) | 2.51B |
| Book Value Per Share | 32.62 |
| Working Capital | 393.96M |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $393.38 million and capital expenditures -$6.53 million, giving a free cash flow of $386.85 million.
| Operating Cash Flow | 393.38M |
| Capital Expenditures | -6.53M |
| Free Cash Flow | 386.85M |
| FCF Per Share | $5.03 |
Full Cash Flow StatementMargins
Gross margin is 78.08%, with operating and profit margins of 74.83% and 55.02%.
| Gross Margin | 78.08% |
| Operating Margin | 74.83% |
| Pretax Margin | 70.72% |
| Profit Margin | 55.02% |
| EBITDA Margin | 76.50% |
| EBIT Margin | 74.83% |
| FCF Margin | 55.89% |
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 | 2.62% |
| Shareholder Yield | 2.62% |
| Earnings Yield | 13.71% |
| FCF Yield | 13.93% |
Dividend DetailsAnalyst Forecast
The average price target for NMI Holdings is $42.17, which is 14.94% higher than the current price. The consensus rating is "Buy".
| Price Target | $42.17 |
| Price Target Difference | 14.94% |
| 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 |
