NMI Holdings Statistics
Total Valuation
NMI Holdings has a market cap or net worth of $3.35 billion. The enterprise value is $3.71 billion.
| Market Cap | 3.35B |
| Enterprise Value | 3.71B |
Important Dates
The last earnings date was Thursday, July 30, 2026, after market close.
| Earnings Date | Jul 30, 2026 |
| Ex-Dividend Date | n/a |
Share Statistics
NMI Holdings has 75.22 million shares outstanding. The number of shares has decreased by -3.04% in one year.
| Current Share Class | 75.22M |
| Shares Outstanding | 75.22M |
| Shares Change (YoY) | -3.04% |
| Shares Change (QoQ) | -1.10% |
| Owned by Insiders (%) | 1.87% |
| Owned by Institutions (%) | 100.59% |
| Float | 73.77M |
Valuation Ratios
The trailing PE ratio is 8.78 and the forward PE ratio is 8.34. NMI Holdings's PEG ratio is 1.18.
| PE Ratio | 8.78 |
| Forward PE | 8.34 |
| PS Ratio | 4.59 |
| Forward PS | 4.39 |
| PB Ratio | 1.24 |
| P/TBV Ratio | 1.24 |
| P/FCF Ratio | 7.59 |
| P/OCF Ratio | 7.48 |
| PEG Ratio | 1.18 |
Enterprise Valuation
The stock's EV/EBITDA ratio is 6.79, with an EV/FCF ratio of 8.39.
| EV / Earnings | 9.38 |
| EV / Sales | 5.07 |
| EV / EBITDA | 6.79 |
| EV / EBIT | 6.93 |
| EV / FCF | 8.39 |
Financial Position
The company has a current ratio of 2.03, with a Debt / Equity ratio of 0.16.
| Current Ratio | 2.03 |
| Quick Ratio | 0.70 |
| Debt / Equity | 0.16 |
| Debt / EBITDA | 0.78 |
| Debt / FCF | 0.96 |
| Interest Coverage | 18.79 |
Financial Efficiency
Return on equity (ROE) is 15.43% and return on invested capital (ROIC) is 13.49%.
| Return on Equity (ROE) | 15.43% |
| Return on Assets (ROA) | 8.82% |
| Return on Invested Capital (ROIC) | 13.49% |
| Return on Capital Employed (ROCE) | 14.69% |
| Weighted Average Cost of Capital (WACC) | 6.97% |
| Revenue Per Employee | $3.25M |
| Profits Per Employee | $1.76M |
| Employee Count | 225 |
| Asset Turnover | 0.19 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, NMI Holdings has paid $111.39 million in taxes.
| Income Tax | 111.39M |
| Effective Tax Rate | 21.98% |
Stock Price Statistics
The stock price has increased by +20.14% in the last 52 weeks. The beta is 0.54, so NMI Holdings's price volatility has been lower than the market average.
| Beta (5Y) | 0.54 |
| 52-Week Price Change | +20.14% |
| 50-Day Moving Average | 39.70 |
| 200-Day Moving Average | 38.81 |
| Relative Strength Index (RSI) | 69.56 |
| Average Volume (20 Days) | 468,470 |
Short Selling Information
The latest short interest is 2.08 million, so 2.77% of the outstanding shares have been sold short.
| Short Interest | 2.08M |
| Short Previous Month | 2.16M |
| Short % of Shares Out | 2.77% |
| Short % of Float | 2.82% |
| Short Ratio (days to cover) | 3.16 |
Income Statement
In the last 12 months, NMI Holdings had revenue of $730.78 million and earned $395.33 million in profits. Earnings per share was $5.08.
| Revenue | 730.78M |
| Gross Profit | 558.20M |
| Operating Income | 535.20M |
| Pretax Income | 506.72M |
| Net Income | 395.33M |
| EBITDA | 545.69M |
| EBIT | 535.20M |
| Earnings Per Share (EPS) | $5.08 |
Balance Sheet
The company has $161.26 million in cash and $426.15 million in debt, with a net cash position of -$354.02 million or -$4.71 per share.
| Cash & Cash Equivalents | 161.26M |
| Total Debt | 426.15M |
| Net Cash | -354.02M |
| Net Cash Per Share | -$4.71 |
| Equity (Book Value) | 2.71B |
| Book Value Per Share | 35.89 |
| Working Capital | 364.92M |
Cash Flow
In the last 12 months, operating cash flow was $448.51 million and capital expenditures -$6.91 million, giving a free cash flow of $441.61 million.
| Operating Cash Flow | 448.51M |
| Capital Expenditures | -6.91M |
| Depreciation & Amortization | n/a |
| Net Borrowing | n/a |
| Free Cash Flow | 441.61M |
| FCF Per Share | $5.87 |
Margins
Gross margin is 76.38%, with operating and profit margins of 73.24% and 54.10%.
| Gross Margin | 76.38% |
| Operating Margin | 73.24% |
| Pretax Margin | 69.34% |
| Profit Margin | 54.10% |
| EBITDA Margin | 74.67% |
| EBIT Margin | 73.24% |
| FCF Margin | 60.43% |
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 | 3.04% |
| Shareholder Yield | 3.04% |
| Earnings Yield | 11.79% |
| FCF Yield | 13.17% |
Analyst Forecast
The average price target for NMI Holdings is $49.17, which is 10.30% higher than the current price. The consensus rating is "Buy".
| Price Target | $49.17 |
| Price Target Difference | 10.30% |
| Analyst Consensus | Buy |
| Analyst Count | 6 |
| Revenue Growth Forecast (3Y) | 5.11% |
| EPS Growth Forecast (3Y) | 5.75% |
Fair 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 |