NMI Holdings (NMIH) reported $180.74 million in revenue for the quarter ended December 2025, representing a year-over-year increase of 8.6%. EPS of $1.20 for the same period compares to $1.07 a year ago.
The reported revenue compares to the Zacks Consensus Estimate of $178.97 million, representing a surprise of +0.99%. The company delivered an EPS surprise of +2.35%, with the consensus EPS estimate being $1.17.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
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): $221.45 billion versus the three-analyst average estimate of $218.97 billion.
- Risk-in-force (RIF): $59.31 billion versus $57.84 billion estimated by three analysts on average.
- Combined ratio: 34.3% versus the three-analyst average estimate of 34.8%.
- Loss ratio: 13.9% versus the three-analyst average estimate of 13.7%.
- Expense ratio: 20.4% versus the three-analyst average estimate of 21.1%.
- Revenues- Net investment income: $27.53 million versus the three-analyst average estimate of $25.22 million. The reported number represents a year-over-year change of +21.2%.
- Revenues- Net premiums earned: $152.46 million versus $153.38 million estimated by three analysts on average. Compared to the year-ago quarter, this number represents a +6.2% change.
- Revenues- Other revenues: $0.26 million versus $0.26 million estimated by three analysts on average. Compared to the year-ago quarter, this number represents a +12.9% change.
View all Key Company Metrics for NMI Holdings here>>>
Shares of NMI Holdings have returned +1.6% over the past month versus the Zacks S&P 500 composite's no 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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