NMI Holdings, Inc.
General ticker "NMIH" information:
- Sector: Financials
- Industry: Insurance - Specialty
- Capitalization: $3.0B (TTM average)
NMI Holdings, Inc. does not follow the US Stock Market performance with the rate: -3.3%.
Estimated limits based on current volatility of 1.2%: low 35.11$, high 35.95$
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 3 months up through Q1 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 2025-12-31 to 2027-12-31
- 2025-12-31 to 2026-12-31 estimated range: [35.01$, 47.05$]
- 2026-12-31 to 2027-12-31 estimated range: [37.29$, 49.76$]
Financial Metrics affecting the NMIH estimates:
- Negative: with PPE of 8.4 at the end of fiscal year the price was high
- Positive: Operating cash flow per share per price, % of 13.09 > 12.90
- Positive: Operating profit margin, % of 70.84 > 18.39
- Positive: Return on assets ratio (scaled to [-100,100]) of 9.19 > 6.06
- Positive: Industry earnings per price (median), % of 8.61 > 4.45
- Positive: 5.46 < Industry operating cash flow per share per price (median), % of 9.31
- Positive: Interest expense per share per price, % of 0.89 <= 3.31
- Positive: Industry inventory ratio change (median), % of -2.43 <= -0.16
- Negative: Investing cash flow per share per price, % of -9.88 <= -4.41
Short-term NMIH quotes
Long-term NMIH plot with estimates
Financial data
| YTD | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Operating Revenue | $579.00MM | $650.97MM | $705.58MM |
| Operating Expenses | $166.30MM | $187.56MM | $205.78MM |
| Operating Income | $412.70MM | $463.41MM | $499.80MM |
| Interest Expense | $32.21MM | $36.90MM | $28.48MM |
| Income(Loss) | $412.70MM | $463.41MM | $499.80MM |
| Taxes | $90.59MM | $103.31MM | $110.88MM |
| Net Income(Loss)* | $322.11MM | $360.11MM | $388.93MM |
| Stockholders Equity | $1,926.00MM | $2,217.43MM | $2,591.99MM |
| Assets | $2,940.51MM | $3,349.97MM | $3,841.10MM |
| Operating Cash Flow | $342.68MM | $393.60MM | $419.30MM |
| Capital expenditure | $9.37MM | $6.91MM | $6.78MM |
| Investing Cash Flow | $-200.00MM | $-339.29MM | $-316.47MM |
| Financing Cash Flow | $-90.42MM | $-96.70MM | $-113.20MM |
| Earnings Per Share** | $3.91 | $4.51 | $5.01 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.