NMI Holdings Statistics
Total Valuation
NMI Holdings has a market cap or net worth of $3.04 billion. The enterprise value is $3.43 billion.
Important Dates
The last earnings date was Tuesday, February 10, 2026, after market close.
| Earnings Date | Feb 10, 2026 |
| Ex-Dividend Date | n/a |
Share Statistics
NMI Holdings has 76.03 million shares outstanding. The number of shares has decreased by -2.75% in one year.
| Current Share Class | 76.03M |
| Shares Outstanding | 76.03M |
| Shares Change (YoY) | -2.75% |
| Shares Change (QoQ) | -0.79% |
| Owned by Insiders (%) | 1.78% |
| Owned by Institutions (%) | 95.68% |
| Float | 74.65M |
Valuation Ratios
The trailing PE ratio is 8.14 and the forward PE ratio is 7.79. NMI Holdings's PEG ratio is 1.10.
| PE Ratio | 8.14 |
| Forward PE | 7.79 |
| PS Ratio | 4.40 |
| Forward PS | 4.76 |
| PB Ratio | 1.18 |
| P/TBV Ratio | 1.18 |
| P/FCF Ratio | 7.38 |
| P/OCF Ratio | 7.26 |
| PEG Ratio | 1.10 |
Financial Ratio HistoryEnterprise Valuation
The stock's EV/EBITDA ratio is 6.35, with an EV/FCF ratio of 8.30.
| EV / Earnings | 8.81 |
| EV / Sales | 4.85 |
| EV / EBITDA | 6.35 |
| EV / EBIT | 6.48 |
| EV / FCF | 8.30 |
Financial Position
The company has a current ratio of 1.97, with a Debt / Equity ratio of 0.16.
| Current Ratio | 1.97 |
| Quick Ratio | 0.63 |
| Debt / Equity | 0.16 |
| Debt / EBITDA | 0.79 |
| Debt / FCF | 1.03 |
| Interest Coverage | 18.55 |
Financial Efficiency
Return on equity (ROE) is 16.17% and return on invested capital (ROIC) is 13.80%.
| Return on Equity (ROE) | 16.17% |
| Return on Assets (ROA) | 9.18% |
| Return on Invested Capital (ROIC) | 13.80% |
| Return on Capital Employed (ROCE) | 15.12% |
| Weighted Average Cost of Capital (WACC) | 7.45% |
| Revenue Per Employee | $3.10M |
| Profits Per Employee | $1.71M |
| Employee Count | 228 |
| Asset Turnover | 0.20 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, NMI Holdings has paid $110.88 million in taxes.
| Income Tax | 110.88M |
| Effective Tax Rate | 22.18% |
Stock Price Statistics
The stock price has increased by +12.64% in the last 52 weeks. The beta is 0.64, so NMI Holdings's price volatility has been lower than the market average.
| Beta (5Y) | 0.64 |
| 52-Week Price Change | +12.64% |
| 50-Day Moving Average | 39.59 |
| 200-Day Moving Average | 38.77 |
| Relative Strength Index (RSI) | 52.45 |
| Average Volume (20 Days) | 517,229 |
Short Selling Information
The latest short interest is 1.88 million, so 2.47% of the outstanding shares have been sold short.
| Short Interest | 1.88M |
| Short Previous Month | 1.47M |
| Short % of Shares Out | 2.47% |
| Short % of Float | 2.52% |
| Short Ratio (days to cover) | 4.21 |
Income Statement
In the last 12 months, NMI Holdings had revenue of $706.44 million and earned $388.93 million in profits. Earnings per share was $4.92.
| Revenue | 706.44M |
| Gross Profit | 551.17M |
| Operating Income | 528.28M |
| Pretax Income | 499.80M |
| Net Income | 388.93M |
| EBITDA | 539.54M |
| EBIT | 528.28M |
| Earnings Per Share (EPS) | $4.92 |
Full Income StatementBalance Sheet
The company has $130.56 million in cash and $425.54 million in debt, with a net cash position of -$381.60 million or -$5.02 per share.
| Cash & Cash Equivalents | 130.56M |
| Total Debt | 425.54M |
| Net Cash | -381.60M |
| Net Cash Per Share | -$5.02 |
| Equity (Book Value) | 2.59B |
| Book Value Per Share | 33.98 |
| Working Capital | 336.01M |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $419.30 million and capital expenditures -$6.78 million, giving a free cash flow of $412.52 million.
| Operating Cash Flow | 419.30M |
| Capital Expenditures | -6.78M |
| Free Cash Flow | 412.52M |
| FCF Per Share | $5.43 |
Full Cash Flow StatementMargins
Gross margin is 78.02%, with operating and profit margins of 74.78% and 55.05%.
| Gross Margin | 78.02% |
| Operating Margin | 74.78% |
| Pretax Margin | 70.75% |
| Profit Margin | 55.05% |
| EBITDA Margin | 76.37% |
| EBIT Margin | 74.78% |
| FCF Margin | 58.39% |
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 | 2.75% |
| Shareholder Yield | 2.75% |
| Earnings Yield | 12.78% |
| FCF Yield | 13.55% |
Analyst Forecast
The average price target for NMI Holdings is $42.60, which is 6.42% higher than the current price. The consensus rating is "Buy".
| Price Target | $42.60 |
| Price Target Difference | 6.42% |
| Analyst Consensus | Buy |
| Analyst Count | 5 |
| 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 |
