NMI Holdings, Inc. (NMIH)

NASDAQ: NMIH · USD

$42.1

-0.51 (-1.2%)· Recorded snapshot

Market cap	3.2B
Revenue (ttm)	730.8M
Net income (ttm)	395.3M
EPS (ttm)	$5.08
Shares out	75.2M
P/E (trailing)	8.3x
P/E (forward)	8.0x
Volume	264,281
Beta	0.56

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 730.8M
Net income (ttm): 395.3M
EPS (ttm): $5.08
P/E (trailing): 8.3x
P/E (forward): 8.0x
Market cap: 3.2B

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	34.8B	8.3x	1.8x	15.9%	+15.1%	+18.7%	強い買い
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	強い買い
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	ホールド

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E8

P25 n/aP50 n/aP75 n/a

Trailing P/E8.3

P25 n/aP50 n/aP75 n/a

ROE15.4

P25 n/aP50 n/aP75 n/a

ROIC13.5

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All NMIH indicators

Market & fundamental data

Available fields

253

Groups with data

Currency

USD

Showing 253 of 253 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	USD
CIK code	0001547903
Company name	NMI Holdings, Inc.
Country	United States
Country code	US
CUSIP number	629209305
Earnings date	2026-11-05
Earnings time	amc
Employees	225
Employees change	-5
Employees growth	-2.17%
Enterprise value	$3.5B
Exchange	NASDAQ
Financial currency	USD
Financial report date	2026-06-30
First seen	2026-05-09
Fiscal year end	December
Founded	2011
In index	RUSSELL2000
Industry	Insurance - Specialty
IPO date	2013-11-08
Is primary listing	Yes
Is SPAC	No
ISIN number	US6292093050
Last 10-K release date	2026-02-12
Last earnings date	2026-07-30
Last refreshed	2026-10-28
Last stock split type	Never
Market cap	$3.2B
Market cap category	Mid-Cap
Next earnings date	2026-11-05
Options	Yes
Price	$42.07
Price currency	USD
Sector	Financials
SIC code	6351
Stock price date	2026-10-28
Symbol	NMIH
U.S. state	California
Website	https://www.nationalmi.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Adjusted P/E ratio	8.3x
Average P/E ratio (10Y)	10.71x
Average P/E ratio (3Y)	7.91x
Average P/E ratio (5Y)	7.5x
Earnings yield	12.07%
EV/Earnings	8.89x
EV/EBIT	6.57x
EV/EBITDA	6.44x
EV/FCF	7.96x
EV/Sales	4.81x
FCF / EV yield	12.56%
FCF yield	13.97%
Forward EV/Sales	4.55x
Forward P/E	7.95x
Forward P/S	4.09x
Graham number	64.03368
Graham upside	52.32%
Industry forward P/E	8.81x
Industry P/E	9.88x
Lynch fair value	$75.97
Lynch upside	80.72%
P/(FCF - SBC) ratio	7.51x
P/(OCF - SBC) ratio	7.39x
P/B ratio	1.19x
P/E ratio	8.29x
P/FCF ratio	7.16x
P/OCF ratio	7.05x
P/S ratio	4.33x
PEG ratio	1.37x
Price / tangible book value	1.17x
Price/EBITDA ratio	5.79x
Sector forward P/E	13.61x
Sector P/E	15.65x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
EBIT margin	73.24%
EBITDA margin	74.67%
Effective tax rate	21.98%
FCF margin	60.43%
Gross margin	76.38%
Operating margin	73.24%
Pretax margin	69.34%
Profit margin	54.1%
Profit per employee	$1.8M
Profitable quarters	34
Profitable years	10
Revenue per employee	$3.2M
ROA	8.82%
ROA (5Y)	9.72%
ROCE	14.69%
ROE	15.43%
ROE (5Y)	17.19%
ROIC	13.49%
ROIC (5Y)	15.17%
SBC / revenue	2.83%
Tax / revenue	15.24%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth	7.85%
EPS growth (Q)	14.05%
EPS growth (QoQ)	7.81%
EPS growth 3Y	12.24%
EPS growth 5Y	17.22%
EPS growth quarters	1
EPS growth years	5
FCF growth	13.96%
FCF growth (Q)	10.69%
FCF growth (QoQ)	21.97%
FCF growth 3Y	11.16%
FCF growth 5Y	8.46%
Net income growth	4.67%
Net income growth (Q)	10.02%
Net income growth (QoQ)	6.5%
Net income growth 3Y	9.09%
Net income growth 5Y	14.96%
Net income growth quarters	1
Net income growth years	5
OCF growth	13.91%
OCF growth (Q)	11.12%
OCF growth (QoQ)	22.86%
OCF growth 10Y	20.34%
OCF growth 3Y	10.62%
OCF growth 5Y	7.82%
Revenue growth	7.53%
Revenue growth (Q)	8.12%
Revenue growth (QoQ)	2.41%
Revenue growth 10Y	23.97%
Revenue growth 3Y	10.4%
Revenue growth 5Y	10.01%
Revenue growth quarters	52
Revenue growth years	13

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	$-6.9M
EBIT	$535.2M
EBITDA	$545.7M
EPS	$5.08
FCF per share	$5.87
Financing cash flow	$-129.4M
Free cash flow	$441.6M
Free cash flow minus SBC	$420.9M
Gross profit	$558.2M
Income taxes	$111.4M
Investing cash flow	$-331M
Net cash flow	$-11.9M
Net income	$395.3M
Operating cash flow minus SBC	$427.8M
Operating income	$535.2M
Revenue	$730.8M
Stock-based compensation	$20.7M

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Book value per share	$35.89
Debt / EBITDA	0.78
Debt / equity	0.16
Debt / FCF	0.96
Interest coverage	18.79
Net cash (debt)	$-354M
Net cash / market cap	-11.2%
Net debt / EBITDA	0.65
Net debt / equity	0.13
Net debt / FCF	0.8
Piotroski F-Score	4
Property, plant and equipment	$20.8M
Shareholders' equity	$2.7B
Tangible book value	$2.7B
Tangible book value per share	$35.85
Total assets	$4B
Total cash	$161.3M
Total debt	$426.1M
Total liabilities	$1.3B
WACC	7.1%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Asset turnover	0.19
Current ratio	2.03
Net working capital	$292.8M
Quick ratio	0.7
Working capital	$364.9M

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	3.04%
Dividend yield	0%
Shareholder yield	3.04%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y price change	442.84%
10Y return CAGR	18.43%
10Y total return	442.84%
150-day SMA	$40.70
1D price change	-1.2%
1M price change	2.04%
1M total return	2.04%
1W price change	3.19%
1W total return	3.19%
1Y price change	17.06%
1Y return CAGR	17.07%
1Y total return	17.06%
20-day SMA	$40.54
200-day SMA	$40.18
3M price change	-2.28%
3M total return	-2.28%
3Y price change	57.04%
3Y return CAGR	16.23%
3Y total return	57.04%
50-day SMA	$42.36
50-day SMA vs 200-day SMA	50over200
52-week high	$46.74
52-week high date	2026-07-31
52-week low	$34.84
52-week low date	2025-11-05
5Y price change	74.06%
5Y return CAGR	11.72%
5Y total return	74.06%
6M price change	1.15%
6M total return	1.15%
All-time high	$46.74
All-time high date	2026-07-31
All-time low	$4.19
All-time low date	2016-02-09
Average true range (ATR)	$1.09
Average volume	947.2K
Beta (1Y)	0.24
Beta (2Y)	0.55
Beta (5Y)	0.56
Change from 52-week high	-9.99%
Change from 52-week low	20.75%
Change from all-time high	-9.99%
Change from all-time low	904.06%
Change from open	-1.34%
Day's gap	0.14%
Dollar volume	$11.1M
High price	$42.64
Low price	$41.94
Monthly RSI	56.08
Open price	$42.64
Position in 52-week range	18.57%
Premarket change	0%
Premarket close	$42.58
Premarket price	$42.58
Previous close	$42.58
Price vs 150-day SMA	3.38%
Price vs 20-day SMA	3.78%
Price vs 200-day SMA	4.71%
Price vs 50-day SMA	-0.69%
Relative volume	0.28
RSI	54.76
Sharpe ratio	0.6
Sharpe ratio (3Y)	0.58
Sharpe ratio (5Y)	0.38
Sortino ratio	1.02
Sortino ratio (3Y)	1.03
Sortino ratio (5Y)	0.72
Volume	264.3K
Weekly RSI	52.65
YTD price change	3.14%
YTD total return	3.14%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	73.9M
Float percentage	98.26%
Shares change (QoQ)	-1.1%
Shares change (YoY)	-3.04%
Shares held by insiders	1.69%
Shares held by institutions	101.64%
Shares outstanding	75.2M
Short % of float	2.98%
Short % of shares	2.93%
Short ratio	3.3 days

Deeper analysis on NMIH

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

→

Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

→

Sensitivity

Cost-of-equity and terminal-growth stress table.

→

Risks

Kill scenarios, soft-pass flags, and downside catalysts.

→

Earnings

Next earnings setup and beat / inline / miss thresholds.

→

Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

→

Financials

Revenue, margins, cash flow, and balance-sheet context.

→

Peers

Relative valuation and profitability against the cohort.

→

Moat

Economic-profit evidence and competitive advantage risk.

→

Industry cycle

Sector phase, capital cycle, and secular tailwinds.

→

Frequently asked questions

About this NMIH report

Is a complete NMIH research report available?

No complete published report is available for NMI Holdings, Inc. (NMIH) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

NMI Holdings, Inc. (NMIH)

Price

Financial snapshot

Fair-value bridge

Latest news · NMIH

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All NMIH indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on NMIH

Frequently asked questions