NMI Holdings, Inc. (NMIH)

44.83USD -1.23% (-0.56)

Over 1M: +0.4%

Style
Area Line Line with markers Steps Candles Hollow candles Bars

Candles and bars need the day’s open, high and low, and need room to be drawn in: past about a year of trading a body is thinner than a hairline, so those three offer the longest window that fits instead.

44.5 45 45.5
7 Aug 12 Aug 17 Aug 20 Aug 25 Aug 28 Aug 2 Sep

Financials Quarterly

Figures
Revenue Gross Profit Operating Income Cost of Revenue Operating Cash Flow Free Cash Flow Net Income

A share count and earnings a share are not here: neither is money, so neither can share this axis. Both have their own panel on All charts.

All charts ›
Q3 '23 — Net Income: 84M Q4 '23 — Net Income: 83.4M Q1 '24 — Net Income: 89M Q2 '24 — Net Income: 92.1M Q3 '24 — Net Income: 92.8M Q4 '24 — Net Income: 86.2M Q1 '25 — Net Income: 102.6M Q2 '25 — Net Income: 96.2M Q3 '25 — Net Income: 96M Q4 '25 — Net Income: 94.2M Q1 '26 — Net Income: 99.3M Q2 '26 — Net Income: 105.8M 0 25M 50M 75M 100M 125M
Q4 '23 Q2 '24 Q4 '24 Q2 '25 Q4 '25 Q2 '26
Operating Income Net Income

How it scores

For a valuation multiple, the low end is the good end.

Quality

How much of the revenue is really kept — and what did it take to earn it?

8.0
OE margin 57.6%
Oper. margin 69.3%
ROIC 15.2%
Accruals -1.3%
FCF margin 60.4%
OCF margin 61.4%
ROA 9.9%
ROE 14.6%
OCF / EBIT 0.89×
Gross margin —
ROCE —

5 of 17 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Valuation

What does the price ask for what the company earns, owns and pays out?

10.0
EV/EBIT 6.5×
EV/OE 7.8×
FCF yield 13.2%
P/E 8.5×
P/B 1.2×
EV/Sales 4.5×
P/C 46.4×
Div. yield —
EV/GP —
Fwd P/E —
PEG —

2 of 12 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Durability

How predictable is the revenue, and how much of it is already committed?

8.4
RPO / sales —
RPO growth —
Segment HHI —

2 of 7 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Resilience

Can the balance sheet absorb a bad year?

9.4
ND/EBITDA 0.022
Debt / Eq 0.0×
Debt payback 0.0 yr
Payout 0.0%
F-score 6.0 pts
Cash / Debt —
Cash runway —
Current ratio —
Quick ratio —

2 of 12 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Growth

Is the business getting bigger, and is it getting more profitable?

3.8
Sales/sh Y/Y +10.6%
EPS CAGR 4Y +16.7%
EBIT CAGR +8.8%
EPS Y/Y +7.6%
Sales Q/Q +8.1%
EBIT Y/Y +4.4%
Div. growth —
EPS next Y —

4 of 13 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

A measure absent from a block could not be computed from this company's filings. It is left out rather than scored as though it were bad, and the dimension is averaged over what remains. A score is measured against a fixed scale this model states; the bar is measured against the other companies, so the two can disagree — and where they do, that disagreement is the more interesting figure.