NMIH logo

NMI HOLDINGS INC

NMIHNASDAQ
🏆 #1669 by market capEarnings Nov 2 · PostUS Equity
$40.70▼ $0.25 (−0.61%)
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24h▼ 0.6%
7d▼ 4.1%
14d▼ 6.4%
30d▼ 9.1%
ytd▼ 0.2%
1y▲ 5.2%
🏦Market Cap
$3.09B
Small Cap
📈Revenue Growth (YoY)
+8.4%
Slowing
📊Gross Margin
91.7%
High
💵FCF Margin
60.5%
Strong
⚖️P/S Ratio
4.3x
Fair
Otter Score
72
Fair

Trading Snapshot

Day Range
$40.57 – $41.30
52-Week Range
$34.84 – $46.74
Volume
$2.22B
Avg Volume
$1.87B
Shares Outstanding
76.0M
Next Earnings
Oct 29, 2026

Fundamentals Snapshot

Annual Revenue
$706M
Last Q Revenue
$188M
P/E Ratio
8.0
P/S Ratio
4.3x
EPS (TTM)
$5.22
Dividend Yield
0.00%
Dilution (1yr)
−3.0%

Why Investors Own NMIH

  • ✓High-growth profile — revenue up +49.3% YoY with expanding US Equity exposure.
  • ✓Healthy economics — 50% gross margin and 28% free-cash-flow margin.
  • ✓New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

NMIH logo

NMI HOLDINGS INC

NMIH
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$706M▲ +8.4% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
91.8%▼ −3.4% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$500M▲ +7.9% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$413M▲ +6.7% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
78.2M▼ −3.0% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
−$373M▼ −$12M YoY
StockOtter · stockotter.space

About NMI HOLDINGS INC

NMI Holdings, Inc. is a company operating within the United States that offers private mortgage guaranty insurance. In addition to its core insurance products, the firm also delivers outsourced loan assessment services, specifically catering to mortgage loan originators. Its diverse client roster includes national and regional mortgage banks, prominent money center banks, credit unions, local community banks, builder-owned lenders, internet-based lending platforms, and other non-bank mortgage providers. The company commenced operations after its incorporation in 2011 and is based in Emeryville, California.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5★ and equally weighted (20%), averaged to a 0–100 score:💎 Quality — gross margin🚀 Growth — revenue YoY⚖️ Valuation — P/S ratio⚡ Momentum — 30-day price change💧 Dilution — 1-yr share issuance (buybacks score higher)
💎Quality★★★★★
🚀Growth★★★★★
⚖️Valuation★★★★★
⚡Momentum★★★★★
💧Dilution★★★★★
Overall Score
Fair
72/100

Analyst Ratings

ⓘ
Consensus
Buy
14 analysts
Strong Buy4
Buy6
Hold4
Sell0
Strong Sell0
Ratings as of Sep 2026

Latest News & Updates

🚀
Barron’s·2h ago

NMI HOLDINGS INC tops quarterly estimates as demand accelerates

Revenue grew double digits with management guiding above consensus; margins continued to expand.

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CNBC·5h ago

Analysts lift NMIH price targets on improving margins

Several firms raised targets, citing stronger free cash flow and a healthier backlog.

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Reuters·1d ago

NMI HOLDINGS INC announces new agreement to expand its footprint

The move broadens the company’s reach and could add incremental revenue over the next year.