NMI Holdings Statistics
Total Valuation
NMI Holdings has a market cap or net worth of $2.73 billion. The enterprise value is $3.08 billion.
Important Dates
The last earnings date was Thursday, April 30, 2026, after market close.
| Earnings Date | Apr 30, 2026 |
| Ex-Dividend Date | n/a |
Share Statistics
NMI Holdings has 75.97 million shares outstanding. The number of shares has decreased by -2.83% in one year.
| Current Share Class | 75.97M |
| Shares Outstanding | 75.97M |
| Shares Change (YoY) | -2.83% |
| Shares Change (QoQ) | -0.99% |
| Owned by Insiders (%) | 1.85% |
| Owned by Institutions (%) | 99.36% |
| Float | 74.53M |
Valuation Ratios
The trailing PE ratio is 7.30 and the forward PE ratio is 6.92. NMI Holdings's PEG ratio is 1.23.
| PE Ratio | 7.30 |
| Forward PE | 6.92 |
| PS Ratio | 3.81 |
| Forward PS | 4.19 |
| PB Ratio | 1.04 |
| P/TBV Ratio | 1.04 |
| P/FCF Ratio | 6.37 |
| P/OCF Ratio | 6.28 |
| PEG Ratio | 1.23 |
Financial Ratio HistoryEnterprise Valuation
The stock's EV/EBITDA ratio is 5.79, with an EV/FCF ratio of 7.20.
| EV / Earnings | 7.99 |
| EV / Sales | 4.30 |
| EV / EBITDA | 5.79 |
| EV / EBIT | 5.91 |
| EV / FCF | 7.20 |
Financial Position
The company has a current ratio of 1.81, with a Debt / Equity ratio of 0.16.
| Current Ratio | 1.81 |
| Quick Ratio | 0.51 |
| Debt / Equity | 0.16 |
| Debt / EBITDA | 0.80 |
| Debt / FCF | 0.99 |
| Interest Coverage | 18.32 |
Financial Efficiency
Return on equity (ROE) is 15.57% and return on invested capital (ROIC) is 13.43%.
| Return on Equity (ROE) | 15.57% |
| Return on Assets (ROA) | 8.86% |
| Return on Invested Capital (ROIC) | 13.43% |
| Return on Capital Employed (ROCE) | 14.70% |
| Weighted Average Cost of Capital (WACC) | 7.21% |
| Revenue Per Employee | $3.19M |
| Profits Per Employee | $1.71M |
| Employee Count | 225 |
| Asset Turnover | 0.19 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, NMI Holdings has paid $107.68 million in taxes.
| Income Tax | 107.68M |
| Effective Tax Rate | 21.82% |
Stock Price Statistics
The stock price has decreased by -7.74% in the last 52 weeks. The beta is 0.59, so NMI Holdings's price volatility has been lower than the market average.
| Beta (5Y) | 0.59 |
| 52-Week Price Change | -7.74% |
| 50-Day Moving Average | 38.29 |
| 200-Day Moving Average | 38.50 |
| Relative Strength Index (RSI) | 35.12 |
| Average Volume (20 Days) | 569,249 |
Short Selling Information
The latest short interest is 1.75 million, so 2.31% of the outstanding shares have been sold short.
| Short Interest | 1.75M |
| Short Previous Month | 1.87M |
| Short % of Shares Out | 2.31% |
| Short % of Float | 2.35% |
| Short Ratio (days to cover) | 3.23 |
Income Statement
In the last 12 months, NMI Holdings had revenue of $716.67 million and earned $385.70 million in profits. Earnings per share was $4.92.
| Revenue | 716.67M |
| Gross Profit | 544.77M |
| Operating Income | 521.86M |
| Pretax Income | 493.38M |
| Net Income | 385.70M |
| EBITDA | 532.71M |
| EBIT | 521.86M |
| Earnings Per Share (EPS) | $4.92 |
Full Income StatementBalance Sheet
The company has $96.06 million in cash and $425.61 million in debt, with a net cash position of -$354.93 million or -$4.67 per share.
| Cash & Cash Equivalents | 96.06M |
| Total Debt | 425.61M |
| Net Cash | -354.93M |
| Net Cash Per Share | -$4.67 |
| Equity (Book Value) | 2.63B |
| Book Value Per Share | 34.57 |
| Working Capital | 292.89M |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $434.24 million and capital expenditures -$6.18 million, giving a free cash flow of $428.06 million.
| Operating Cash Flow | 434.24M |
| Capital Expenditures | -6.18M |
| Depreciation & Amortization | n/a |
| Net Borrowing | n/a |
| Free Cash Flow | 428.06M |
| FCF Per Share | $5.63 |
Full Cash Flow StatementMargins
Gross margin is 76.01%, with operating and profit margins of 72.82% and 53.82%.
| Gross Margin | 76.01% |
| Operating Margin | 72.82% |
| Pretax Margin | 68.84% |
| Profit Margin | 53.82% |
| EBITDA Margin | 74.33% |
| EBIT Margin | 72.82% |
| FCF Margin | 59.73% |
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 | 2.83% |
| Shareholder Yield | 2.83% |
| Earnings Yield | 14.14% |
| FCF Yield | 15.70% |
Analyst Forecast
The average price target for NMI Holdings is $46.14, which is 28.52% higher than the current price. The consensus rating is "Buy".
| Price Target | $46.14 |
| Price Target Difference | 28.52% |
| Analyst Consensus | Buy |
| Analyst Count | 7 |
| 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 | 4 |
