NMI Holdings, Inc.
General ticker "NMIH" information:
- Sector: Financials
- Industry: Insurance - Specialty
- Capitalization: $2.9B (TTM average)
NMI Holdings, Inc. follows the US Stock Market performance with the rate: 45.1%.
Estimated limits based on current volatility of 1.8%: low 36.82$, high 38.19$
Factors to consider:
- Total employees count: 230 as of 2024
- Company does not operate outside US (retrieved using AI)
- Top business risk factors: Market competition, NIW volumes affected, Dependency on loan originators, High LTV volume decline, Increasing claims risk
- Price in estimated range
- Earnings for 9 months up through Q3 exceed our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2024-12-31 to 2026-12-31
- 2024-12-31 to 2025-12-31 estimated range: [31.98$, 43.19$]
- 2025-12-31 to 2026-12-31 estimated range: [33.48$, 45.53$]
Financial Metrics affecting the NMIH estimates:
- Positive: with PPE of 8.2 at the end of fiscal year the price was neutral
- Positive: Operating profit margin, % of 71.19 > 18.33
- Positive: Operating cash flow per share per price, % of 13.42 > 12.91
- Positive: Shareholder equity ratio, % of 66.19 > 64.17
- Positive: Inventory ratio change, % of 0 <= 0
- Negative: 0.74 < Interest expense per share per price, % of 1.26
- Positive: Return on assets ratio (scaled to [-100,100]) of 9.71 > 6.04
- Positive: Industry earnings per price (median), % of 7.37 > 4.45
- Negative: -0.18 < Industry inventory ratio change (median), % of 0
Short-term NMIH quotes
Long-term NMIH plot with estimates
Financial data
| YTD | 2022-12-31 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Operating Revenue | $524.46MM | $579.00MM | $650.97MM |
| Operating Expenses | $147.15MM | $166.30MM | $187.56MM |
| Operating Income | $377.31MM | $412.70MM | $463.41MM |
| Interest Expense | $32.16MM | $32.21MM | $36.90MM |
| Income(Loss) | $377.31MM | $412.70MM | $463.41MM |
| Taxes | $84.40MM | $90.59MM | $103.31MM |
| Profit(Loss)* | $292.90MM | $322.11MM | $360.11MM |
| Stockholders Equity | $1,613.73MM | $1,926.00MM | $2,217.43MM |
| Assets | $2,516.03MM | $2,940.51MM | $3,349.97MM |
| Operating Cash Flow | $313.39MM | $342.68MM | $393.60MM |
| Capital expenditure | $10.57MM | $9.37MM | $6.91MM |
| Investing Cash Flow | $-289.79MM | $-200.00MM | $-339.29MM |
| Financing Cash Flow | $-55.83MM | $-90.42MM | $-96.70MM |
| Earnings Per Share** | $3.45 | $3.91 | $4.51 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.