For the quarter ended September 2025, NMI Holdings (NMIH) reported revenue of $178.68 million, up 7.6% over the same period last year. EPS came in at $1.21, compared to $1.15 in the year-ago quarter.
The reported revenue represents a surprise of +2.28% over the Zacks Consensus Estimate of $174.69 million. With the consensus EPS estimate being $1.21, the company has not delivered EPS surprise.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
Here is how NMI Holdings performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
- Insurance-in-force (IIF): $218.38 billion versus the three-analyst average estimate of $214.51 billion.
- Risk-in-force (RIF): $58.54 billion versus $57.26 billion estimated by three analysts on average.
- Combined ratio: 31.5% versus the three-analyst average estimate of 30.5%.
- Loss ratio: 12.3% compared to the 9.7% average estimate based on three analysts.
- Expense ratio: 19.3% versus 20.8% estimated by three analysts on average.
- Revenues- Net investment income: $26.77 million versus the three-analyst average estimate of $24.09 million. The reported number represents a year-over-year change of +19.1%.
- Revenues- Net premiums earned: $151.32 million versus the three-analyst average estimate of $150.5 million. The reported number represents a year-over-year change of +5.6%.
- Revenues- Other revenues: $0.26 million versus the three-analyst average estimate of $0.24 million. The reported number represents a year-over-year change of -8.1%.
View all Key Company Metrics for NMI Holdings here>>>
Shares of NMI Holdings have returned +1.1% over the past month versus the Zacks S&P 500 composite's +2.1% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
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NMI Holdings Inc (NMIH): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
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