NMI Holdings Inc (NMIH)
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Trading Day
Key levels of the most recently completed trading day — not a live quote.
52-Week Range
Current price 44.30 $ — 100% of the range above the low.
Lowest and highest closing price over the last 52 weeks. The marker shows where the current price sits within that range: close to the high speaks for strength, close to the low for weakness.
Basics
Performance
Technical Indicators
Calculated from the price history · as of 08/03/2026
Valuation
Profitability
Balance Sheet & Safety
Growth
Dividend
This stock currently pays no dividend.
Quality & Screener
AI Rating
–Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available. How the Rating Is Built
Growth Score
6 of 10 Solid growthTen checks against the annual reports — each one passed counts a point.
- Revenue grows by more than 15% a year over three years 10.4% failed
- More than 10% revenue growth is expected for the coming year 4.7% failed
- Share count grows by less than 3% a year -2.8% passed
- Revenue growth plus cash-flow margin add up to at least 40 ("Rule of 40") 66.9% passed
- Gross margin at 40% or higher and without meaningful erosion 91.8% failed
- Goodwill from acquisitions does not grow faster than revenue 0.1% passed
- Net debt below twice EBITDA 31 m net cash passed
- Operating cash flow covers the profits of the last three years 84 m passed
- Return on capital at 15% or higher, or up versus two years ago 15.1% passed
- Insiders hold at least 10% or are net buyers 1.8% failed
A criterion without figures counts neither as passed nor as failed; a score is only produced from 7 judgeable criteria upwards. Source: fundamental data. All ten criteria in detail
Analysts & Price Target
The price target sits 8.4% above the current price.
- Consensus
- Sell
- Analyst Ratings
- 7
Combined picture of the price targets and recommendations of every analyst covering the stock. Price targets are expectations for the next 12 months, not promises — and they often follow the price rather than predict it.
Estimates by Fiscal Year
| Fiscal Year | EPS Estimate ($) | EPS Range ($) | Revenue Estimate ($M) | Expected Growth | Analysts |
|---|---|---|---|---|---|
| 12/31/2026 | 5.27 | 5.21 – 5.35 | 755 | 7.0% | 4 |
| 12/31/2027 | 5.44 | 5.25 – 5.62 | 783 | 3.2% | 5 |
Average of the analyst estimates for the coming fiscal years. The range shows how far the most optimistic and the most cautious estimate sit apart — the wider it is, the less certain the expectation.
Next Reporting Date
Expected date of the next quarterly or annual figures. Dates do shift occasionally — only the invitation issued by the company is binding.
Revenue & Profit
Cash Flow
Balance Sheet
Margins
Per Share
Click the chart or tab into it, then use ← and → to step through the periods.
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· Total · per year
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The figures could not be loaded right now.
Source: fundamental data
Quarterly Figures
| Quarter | EPS (Earnings Per Share) | EPS YoY (%) | Sales ($M) | Sales YoY (%) | Net Margin (%) | OCF ($M) | FCF ($M) |
|---|---|---|---|---|---|---|---|
| 2024: Q4 | 1.07 | 5.90 | 167 | 10.00 | 51.80 | 36 | 34 |
| 2025: Q1 | 1.28 | 18.40 | 173 | 10.90 | 59.20 | 101 | 99 |
| 2025: Q2 | 1.21 | 7.10 | 174 | 7.20 | 55.30 | 128 | 127 |
| 2025: Q3 | 1.22 | 6.30 | 179 | 7.60 | 53.70 | 128 | 126 |
| 2025: Q4 | 1.20 | 12.70 | 181 | 8.40 | 52.20 | 62 | 60 |
| 2026: Q1 | 1.28 | -0.10 | 184 | 5.90 | 54.10 | 116 | 115 |
| 2026: Q2 | 1.38 | 14.00 | 188 | 8.10 | 56.30 | 143 | 140 |
- EPS (Earnings Per Share):
- Quarterly profit divided by the total share count — how much of the profit works out to a single share.
- YoY (Year over Year):
- Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
- Sales:
- All revenue for the quarter, before any costs are deducted — the top line of the income statement.
- Net Margin:
- What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
- OCF (Operating Cash Flow):
- The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
- FCF (Free Cash Flow):
- Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.
Annual Figures
| Fiscal Year | Revenue ($M) | EBIT ($M) | Net Income ($M) | EPS ($) | Operating Cash Flow ($M) | Equity ($M) | Total Assets ($M) |
|---|---|---|---|---|---|---|---|
| 2016 | 122 | 11 | 64 | 1.05 | 72 | 477 | 842 |
| 2017 | 179 | 53 | 22 | 0.35 | 68 | 509 | 895 |
| 2018 | 274 | 136 | 108 | 1.60 | 146 | 702 | 1,092 |
| 2019 | 370 | 217 | 172 | 2.47 | 208 | 1,163 | 1,365 |
| 2020 | 436 | 218 | 172 | 2.16 | 253 | 1,661 | 2,167 |
| 2021 | 486 | 297 | 231 | 2.66 | 326 | 1,892 | 2,451 |
| 2022 | 524 | 377 | 293 | 3.41 | 313 | 1,614 | 2,516 |
| 2023 | 579 | 413 | 322 | 3.84 | 343 | 1,926 | 2,961 |
| 2024 | 651 | 463 | 360 | 4.43 | 394 | 2,217 | 3,350 |
| 2025 | 706 | 500 | 389 | 4.92 | 419 | 2,592 | 3,841 |
Fiscal years from the audited annual reports, oldest first. EBIT is the operating profit before interest and taxes; total assets are everything the company owns.
About the Company
NMI Holdings, Inc. bietet gemeinsam mit ihren Tochtergesellschaften private Hypothekengarantieversicherungsdienste in den USA an.
| Employees | 225 |
|---|---|
| Headquarters | EmeryVille, CA |
| Address | 2100 Powell Street, 94608 EmeryVille, United States |
| Phone | 855 530 6642 |
| Website | nationalmi.com |
| IPO Date | 8. Nov 2013 |
| ISIN | US6292093050 |
Management
| Name | Title | Birth Year |
|---|---|---|
| Bradley Mize Shuster C.F.A. | Executive Chairman | 1955 |
| Adam S. Pollitzer | President, CEO & Director | 1980 |
| Aurora Jean Swithenbank | Executive VP & CFO | 1976 |
| William J. Leatherberry J.D. | Executive VP, Chief Administrative Officer General Counsel & Secretary | 1971 |
| Robert Owen Smith | Executive VP & Chief Risk Officer | 1970 |
| Mohammad Yousaf | EVP, Chief of Operations & Technology | 1977 |
| John M. Swenson | Vice President of Investor Relations & Treasury | – |
| Lesley Alli | Senior VP of Industry Relations & Corporate Communications | – |
| Norman P. Fitzgerald | Executive VP & Chief Sales Officer | 1968 |
| Allison Miller | Senior VP & CHRO | – |
Executives per the latest required filings; titles kept in their original language. Source: fundamental data.
Chart
Interactive price chart (TradingView).
Data as of: July 31, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)
Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.