NMIH

NMI Holdings Inc

38.73

Nov 10 • 3:59 PM ET -0.14 (-0.36%)

38.73

Aftermarket • 5:31 PM ET 0.00 (0.00%)

Financial Insurance - Specialty USA Mid NASD

Peers: ESNT MTG RDN ACT AGO ACGL FAF FNF ITIC RKT

| Held by: IJR AVUV VTI IWM DFSV DFAT VXF IWN SPSM IJT

Scroll to Statements

Index	RUT
Market Cap	2.89B
Enterprise Value	-
Income	392.81M
Sales	739.65M
Book/sh	35.43
Cash/sh	-
Dividend Est.	-
Dividend TTM	-
Dividend Ex-Date	-
Dividend Gr. 3/5Y	- -
Payout	0.00%
Employees	225
IPO	Nov 08, 2013

P/E	7.60
Forward P/E	7.23
PEG	1.54
P/S	3.90
P/B	1.09
P/C	-
P/FCF	6.81
EV/EBITDA	-
EV/Sales	-
Quick Ratio	-
Current Ratio	5.03
Debt/Eq	0.15
LT Debt/Eq	0.15
Option/Short	Yes / Yes

EPS (ttm)	5.10
EPS next Y	5.36
EPS next Q	1.28
EPS this Y	5.65%
EPS next Y	3.10%
EPS next 5Y	4.69%
EPS past 3/5Y	13.19% 18.26%
Sales past 3/5Y	10.52% 10.27%
EPS Y/Y TTM	6.19%
Sales Y/Y TTM	6.85%
EPS Q/Q	0.84%
Sales Q/Q	4.96%
Earnings	Nov 05 AMC
EPS/Sales Surpr.	-5.73% -2.36%

Insider Own	2.08%
Insider Trans	-11.32%
Inst Own	98.96%
Inst Trans	-0.00%
ROA	10.27%
ROE	15.06%
ROIC	12.59%
Gross Margin	-
Oper. Margin	71.90%
Profit Margin	53.11%
SMA20	-7.00%
SMA50	-7.33%
SMA200	-4.05%
Trades

Shs Outstand	76.29M
Shs Float	73.00M
Short Float	3.59%
Short Ratio	3.64
Short Interest	2.62M
52W High	46.74 -17.14%
52W Low	35.12 10.28%
Volatility	5.72% 3.21%
ATR (14)	1.60
RSI (14)	36.26
Beta	0.51
Rel Volume	1.13
Avg Volume	719.56K
Volume	816,110

Perf Week	-10.57%
Perf Month	-1.68%
Perf Quarter	-13.70%
Perf Half Y	3.58%
Perf YTD	-5.05%
Perf Year	3.17%
Perf 3Y	36.61%
Perf 5Y	78.23%
Perf 10Y	330.33%
Recom	1.67
Target Price	47.50
Prev Close	38.87
Price	38.73
Change %	-0.36%

Consensus

Buy

Avg. Price Target

$47.50

Implied Upside

+22.6%

Analysts7incl. previous ratings

Rating Distribution3 Buy · 4 Hold · 0 Sell

Date	Action	Analyst	Rating Change	Price Target Change	Implied Upside
Oct 30, 2026	Downgrade	BBofA Securities	Buy → Neutral	$44	+13.6%
Sep 22, 2026	Resumed	BBTIG Research	Buy	$54	+39.4%
Aug 03, 2026	Downgrade	KKeefe Bruyette	Outperform → Mkt Perform	$47	+21.4%
May 22, 2026	Initiated	RRBC Capital Mkts	Outperform	$46	+18.8%
Dec 18, 2025	Upgrade	KKeefe Bruyette	Mkt Perform → Outperform	$48	+23.9%
Jul 07, 2025	Downgrade	KKeefe Bruyette	Outperform → Mkt Perform	$43	+11.0%
Feb 24, 2025	Upgrade	KKeefe Bruyette	Mkt Perform → Outperform	$43	+11.0%
Jan 06, 2025	Downgrade	BBarclays	Overweight → Equal Weight	$48 → $41	+5.9%
Sep 18, 2024	Upgrade	RRBC Capital Mkts	Sector Perform → Outperform	$40 → $48	+23.9%
May 22, 2024	Downgrade	UUBS	Buy → Neutral	$37 → $39	+0.7%
Dec 06, 2023	Initiated	UUBS	Buy	$36	-7.0%
Nov 15, 2023	Initiated	BBarclays	Overweight	$37	-4.5%
Oct 17, 2023	Initiated	BBofA Securities	Buy	$33	-14.8%
Jan 06, 2023	Downgrade	BBarclays	Overweight → Equal Weight	$31 → $25	-35.5%
Dec 06, 2022	Downgrade	BBTIG Research	Buy → Neutral	$24	-38.0%
Oct 17, 2022	Downgrade	KKeefe Bruyette	Outperform → Mkt Perform	$25 → $23	-40.6%
Jun 23, 2022	Downgrade	RRBC Capital Mkts	Outperform → Sector Perform	$27 → $20	-48.4%
Feb 17, 2022	Downgrade	KKeefe Bruyette	Outperform → Mkt Perform	$26.50 → $27.50	-29.0%
Dec 13, 2021	Upgrade	KKeefe Bruyette	Mkt Perform → Outperform
Oct 11, 2021	Upgrade	CCredit Suisse	Neutral → Outperform	$29 → $30	-22.5%

Nov-05-26 09:34PM	NMI Holdings Misses As Credit Normalization Hits, Overshadowing Record Insurance-In-Force (Earnings Whispers) -11.84%
04:47PM	NMI Holdings: Q3 Earnings Snapshot (Associated Press)
04:01PM	NMI Holdings, Inc. Reports Third Quarter 2026 Financial Results (GlobeNewswire)
Oct-30-26 11:14AM	BofA cuts mortgage insurer ratings, citing regulatory overhang; stocks drop (Investing.com)
Oct-28-26 08:32PM	NMI Holdings Faces A Credit Test As Record Earnings Meet Rising Default Season (Earnings Whispers)
04:00PM	Loading…
Oct-14-26 04:00PM	NMI Holdings, Inc. to Announce Third Quarter 2026 Financial Results on November 5, 2026 (GlobeNewswire)
Jul-31-26 01:01AM	NMI Holdings Inc (NMIH) (Q2 2026) Earnings Call Highlights: Record Revenue and EPS Amid Strong ... (GuruFocus.com)
Jul-30-26 04:09PM	NMI Holdings: Q2 Earnings Snapshot (Associated Press)
04:01PM	NMI Holdings, Inc. Reports Record Second Quarter 2026 Financial Results (GlobeNewswire)
Jul-29-26 09:51AM	Earnings To Watch: NMI Holdings Inc (NMIH) Q2 2026 -- GF Value Sees 15% Downside (GuruFocus.com)
Jul-02-26 01:29PM	NMI Holdings, Inc. to Announce Second Quarter 2026 Financial Results on July 30, 2026 (GlobeNewswire)
May-26-26 04:00PM	NMI Holdings, Inc. to Participate in Moody's US Housing Executive Series on May 28th, 2026 (GlobeNewswire)
May-12-26 08:01PM	NMI Holdings, Inc. to Participate in Upcoming Investor Conferences (GlobeNewswire)
May-01-26 03:21AM	NMI Holdings Inc (NMIH) Q1 2026 Earnings Call Highlights: Record Revenue and Strong Insurance Growth (GuruFocus.com)
Apr-30-26 04:25PM	NMI Holdings: Q1 Earnings Snapshot (Associated Press) -5.86%
04:01PM	Loading…
04:01PM	NMI Holdings, Inc. Reports First Quarter 2026 Financial Results (GlobeNewswire)
Apr-29-26 09:22AM	NMI Holdings Inc (NMIH) Q1 2026 Earnings Report Preview: What To Expect (GuruFocus.com)
Apr-09-26 08:00AM	NMI Holdings, Inc. to Announce First Quarter 2026 Financial Results on April 30, 2026 (GlobeNewswire)
Mar-10-26 10:34AM	CNA Stock Trading at a Discount to Industry at 1.11X: Time to Hold? (Zacks)
Mar-06-26 10:23AM	NMIH Stock Trading at a Discount to Industry at 1.15X: Time to Buy? (Zacks)
08:00AM	NMI Holdings, Inc. to Participate at the RBC Global Financial Institutions Conference on March 11th, 2026 (GlobeNewswire)
Mar-05-26 08:23AM	FAF Stock Near 52-Week High: A Signal for Investors to Hold Tight? (Zacks)
Feb-19-26 08:23AM	Progressive's January Earnings Increase Y/Y on Higher Premiums (Zacks)
Feb-18-26 12:00PM	What Makes NMI Holdings (NMIH) a New Buy Stock (Zacks)
11:40AM	NMIH or KNSL: Which Is the Better Value Stock Right Now? (Zacks)
09:40AM	Should Value Investors Buy NMI (NMIH) Stock? (Zacks)
Feb-17-26 12:33AM	5 Must-Read Analyst Questions From NMI Holdings's Q4 Earnings Call (StockStory)
Feb-13-26 09:50AM	Why NMI Holdings (NMIH) is a Top Momentum Stock for the Long-Term (Zacks)
Feb-12-26 04:00PM	NMI Holdings, Inc. Appoints Renu Agrawal to Board of Directors (GlobeNewswire)
Feb-11-26 12:29PM	NMI Holdings Q4 Earnings Beat, Primary Insurance in Force Rises Y/Y (Zacks)
09:40AM	Loading…
09:40AM	Why NMI Holdings (NMIH) is a Top Value Stock for the Long-Term (Zacks)
07:51AM	NMIH Q4 Deep Dive: Portfolio Growth, Expense Discipline, and Reinsurance Expansion Define 2025 Close (StockStory)
12:01AM	NMI Holdings Inc (NMIH) Q4 2025 Earnings Call Highlights: Record Revenue and Strategic Growth ... (GuruFocus.com)
Feb-10-26 07:00PM	Compared to Estimates, NMI Holdings (NMIH) Q4 Earnings: A Look at Key Metrics (Zacks)
06:19PM	NMI Q4 Earnings Call Highlights (MarketBeat)
05:10PM	NMI Holdings (NMIH) Q4 Earnings and Revenues Surpass Estimates (Zacks)
04:19PM	NMI Holdings: Q4 Earnings Snapshot (Associated Press Finance)
04:14PM	NMI Holdings (NASDAQ:NMIH) Reports Q4 CY2025 In Line With Expectations (StockStory)
04:01PM	NMI Holdings, Inc. Reports Fourth Quarter and Full Year 2025 Financial Results (GlobeNewswire)
Feb-09-26 07:21AM	NMI Holdings Inc (NMIH) Q4 2025 Earnings Report Preview: What To Expect (GuruFocus.com)
07:15AM	CNA Financial (CNA) Misses Q4 Earnings and Revenue Estimates (Zacks)
Feb-08-26 10:10PM	NMI Holdings (NMIH) Q4 Earnings Report Preview: What To Look For (StockStory)
Jan-13-26 08:00AM	NMI Holdings, Inc. to Announce Fourth Quarter 2025 Financial Results on February 10, 2026 (GlobeNewswire) -7.43%
Jan-09-26 09:30AM	ACGL Outperforms Industry, Trades Near 52-Week High: Time to Hold? (Zacks)
Jan-06-26 10:05AM	FAF Stock Trading at a Discount to Industry at 1.19X: Time to Hold? (Zacks)
09:46AM	NMIH Outperforms Industry, Trades Near 52-Week High: Time to Hold? (Zacks)
Jan-02-26 11:58AM	AIZ Near 52-Week High: Time to Buy the Stock for Solid Returns? (Zacks)
Dec-31-25 10:40AM	CNA Stock Near 52-Week High: Time to Add It for Better Returns? (Zacks)
Dec-18-25 03:11PM	NMI Holdings (NMIH) Stock Trades Up, Here Is Why (StockStory)
Dec-17-25 11:02PM	3 Big Reasons to Love NMI Holdings (NMIH) (StockStory)
Dec-11-25 09:33AM	AFG Lags Industry, Trades at Premium: Here's How to Play the Stock (Zacks)
Dec-04-25 11:30AM	Why Is NMI Holdings (NMIH) Up 3.7% Since Last Earnings Report? (Zacks)
Dec-03-25 10:35PM	Unpacking Q3 Earnings: NMI Holdings (NASDAQ:NMIH) In The Context Of Other Property & Casualty Insurance Stocks (StockStory)
Nov-21-25 10:21AM	CNA Stock Trading at a Discount to Industry at 1.11X: Time to Buy? (Zacks)
Nov-20-25 09:01AM	FAF Stock Trading at a Discount to Industry at 1.2X: Time to Buy? (Zacks)
Nov-17-25 09:03AM	NMIH Stock Near 52-Week High, Trades at a Discount: Time to Hold? (Zacks)
Nov-12-25 07:07AM	AIZ Stock Near 52-Week High: A Signal for Investors to Hold Tight? (Zacks)
Nov-11-25 12:32AM	NMI Holdings's Q3 Earnings Call: Our Top 5 Analyst Questions (StockStory)
Nov-10-25 10:05AM	Are Options Traders Betting on a Big Move in NMI Holdings Stock? (Zacks)
Nov-07-25 10:14AM	Palomar Holdings Q3 Earnings Beat Estimates on Solid Underwriting (Zacks)
Nov-06-25 09:56AM	Sun Life Financial Q3 Earnings Surpass Estimates, Dividend Raised (Zacks)
09:50AM	Why NMI Holdings (NMIH) is a Top Momentum Stock for the Long-Term (Zacks)
09:36AM	American Financial Q3 Earnings Beat on Higher Underwriting Show (Zacks)
Nov-05-25 09:50AM	NMI Holdings Q3 Earnings Meet Estimates, Revenues & Premiums Rise Y/Y (Zacks)
08:38AM	NMIH Q3 Deep Dive: Discipline, Expense Efficiency, and Portfolio Quality Headline Results (StockStory)
12:11AM	NMI Holdings Inc (NMIH) Q3 2025 Earnings Call Highlights: Record Revenue and Strategic Insights ... (GuruFocus.com)
Nov-04-25 07:30PM	NMI Holdings (NMIH) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates (Zacks)
05:15PM	NMI Holdings (NMIH) Meets Q3 Earnings Estimates (Zacks)
04:12PM	NMI Holdings: Q3 Earnings Snapshot (Associated Press Finance)
04:11PM	NMI Holdings (NASDAQ:NMIH) Surprises With Q3 Sales (StockStory)
04:01PM	NMI Holdings, Inc. Reports Third Quarter 2025 Financial Results (GlobeNewswire)
Nov-03-25 07:32AM	NMI Holdings Inc (NMIH) Q3 2025 Earnings Report Preview: What To Expect (GuruFocus.com)
Nov-02-25 10:17PM	NMI Holdings (NMIH) Reports Q3: Everything You Need To Know Ahead Of Earnings (StockStory)
Oct-29-25 05:15PM	Skyward Specialty Insurance (SKWD) Surpasses Q3 Earnings and Revenue Estimates (Zacks)
Oct-28-25 12:05AM	3 Reasons Investors Love NMI Holdings (NMIH) (StockStory)
Oct-13-25 04:16PM	NMI Holdings, Inc. to Announce Third Quarter 2025 Financial Results on November 4, 2025 (GlobeNewswire)
Oct-09-25 10:41AM	CINF Outperforms Industry, Hits 52-Week High: Time to Buy the Stock? (Zacks)
Oct-07-25 09:35AM	Here's Why NMI Holdings (NMIH) is Poised for a Turnaround After Losing 8.8% in 4 Weeks (Zacks)
Oct-06-25 09:40AM	Are Investors Undervaluing Heritage Insurance (HRTG) Right Now? (Zacks)
Oct-03-25 09:40AM	Are You a Value Investor? This 1 Stock Could Be the Perfect Pick (Zacks)
Oct-01-25 10:25AM	Selective Insurance to Benefit From Growing Premium Amid Cost Woes (Zacks)
Sep-30-25 09:40AM	Should Value Investors Buy Allstate (ALL) Stock? (Zacks)
Sep-29-25 12:07PM	NMI Holdings is Trading at a Discount: Should You Buy Now or Wait? (Zacks)
Sep-17-25 09:40AM	Here's Why NMI Holdings (NMIH) is a Strong Value Stock (Zacks)
Sep-03-25 11:30AM	Why Is Palomar (PLMR) Up 8.9% Since Last Earnings Report? (Zacks)
Aug-28-25 11:37AM	NMI Holdings Trades Above 50-Day SMA: How to Play the Stock Now? (Zacks)
11:30AM	NMI Holdings (NMIH) Up 6.2% Since Last Earnings Report: Can It Continue? (Zacks)
Aug-26-25 11:32PM	Property & Casualty Insurance Stocks Q2 Recap: Benchmarking NMI Holdings (NASDAQ:NMIH) (StockStory)
Aug-22-25 10:23AM	RLI Lags Industry, Trades at Premium: How to Play the Stock (Zacks)
Aug-20-25 10:57AM	FAF Stock Near 52-Week High: A Signal for Investors to Hold Tight? (Zacks)
10:37AM	MCY Outperforms Industry, Trades Near 52-Week High: What's Next? (Zacks)
Aug-18-25 01:24PM	Arch Capital Trades Above 50-Day SMA: How to Play the Stock? (Zacks)
Aug-15-25 11:20AM	Selective Insurance Set to Grow on Rising Premium Amid Challenges (Zacks)
11:00AM	American Financial Banks on Renewal Pricing Amid Cost Woes (Zacks)
Aug-05-25 01:30AM	The Top 5 Analyst Questions From NMI Holdings's Q2 Earnings Call (StockStory)
Aug-04-25 04:07PM	NMI Holdings, Inc. (NMIH): A Bull Case Theory (Insider Monkey)
10:38AM	Berkshire Hathaway Q2 Earnings & Revenues Decline Year Over Year (Zacks)
Jul-30-25 09:07AM	NMI Holdings Q2 Earnings & Revenues Top Estimates on Higher Premiums (Zacks)
03:19AM	NMI Holdings Inc (NMIH) Q2 2025 Earnings Call Highlights: Record Revenue and Strategic ... (GuruFocus.com)
Jul-29-25 06:00PM	NMI Holdings (NMIH) Q2 Earnings: How Key Metrics Compare to Wall Street Estimates (Zacks)

Show Previous News

Insider Trading	Relationship	Date	Transaction	Cost	#Shares	Value ($)	#Shares Total	SEC Form 4
Pollitzer Adam	Chief Executive Officer	Sep 04 '26	Option Exercise	19.29	61,125	1,179,300	331,392	Sep 09 08:55 PM
Pollitzer Adam	Chief Executive Officer	Sep 04 '26	Sale	44.85	172,706	7,746,728	270,267	Sep 04 07:48 PM
ADAM POLLITZER	Officer	Sep 04 '26	Proposed Sale	44.85	190,912	8,563,349		Sep 04 04:50 PM
Swithenbank Aurora	EVP, Chief Financial Officer	Aug 11 '26	Sale	44.51	11,662	519,058	50,734	Aug 12 07:46 PM
AURORA SWITHENBANK	Officer	Aug 11 '26	Proposed Sale	44.51	11,662	519,058		Aug 11 05:15 PM
Smith Robert Owen	EVP, Chief Risk Officer	Aug 03 '26	Sale	44.65	12,000	535,763	96,381	Aug 05 04:29 PM
ROBERT O. SMITH	Officer	Aug 03 '26	Proposed Sale	44.65	12,000	535,763		Aug 03 05:31 PM
Regina Liang Muehlhauser	Former Director	Jul 24 '26	Proposed Sale	42.75	8,666	370,472		Jul 24 04:08 PM
Regina Liang Muehlhauser	Former Director	Jul 21 '26	Proposed Sale	41.85	10,626	444,751		Jul 21 05:20 PM
Regina Liang Muehlhauser	Former Director	Jul 02 '26	Proposed Sale	41.04	40,000	1,641,600		Jul 02 05:42 PM
Montgomery Michael Curry	Director	May 19 '26	Sale	37.90	1,554	58,897	69,026	May 20 06:11 PM
MICHAEL MONTGOMERY	Director	May 19 '26	Proposed Sale	37.90	1,554	58,897		May 19 04:20 PM
SHUSTER BRADLEY M	Executive Chairman	Mar 23 '26	Option Exercise	11.10	55,156	612,232	470,567	Mar 25 02:15 PM
SHUSTER BRADLEY M	Executive Chairman	Mar 24 '26	Sale	37.35	18,953	707,832	415,411	Mar 25 02:15 PM
BRADLEY M SHUSTER	Officer	Mar 24 '26	Proposed Sale	37.35	18,593	694,387		Mar 24 04:04 PM
SHUSTER BRADLEY M	Executive Chairman	Mar 18 '26	Option Exercise	11.10	55,158	612,254	470,569	Mar 19 07:25 PM
SHUSTER BRADLEY M	Executive Chairman	Mar 19 '26	Sale	37.05	18,996	703,885	415,411	Mar 19 07:25 PM
BRADLEY M SHUSTER	Officer	Mar 19 '26	Proposed Sale	37.05	18,996	703,885		Mar 19 04:13 PM
SHUSTER BRADLEY M	Executive Chairman	Mar 11 '26	Option Exercise	11.10	55,158	612,254	470,569	Mar 12 05:58 PM
SHUSTER BRADLEY M	Executive Chairman	Mar 12 '26	Sale	36.58	18,976	694,148	415,411	Mar 12 05:58 PM
BRADLEY M SHUSTER	Officer	Mar 12 '26	Proposed Sale	36.58	18,976	694,148		Mar 12 05:36 PM
SHUSTER BRADLEY M	Executive Chairman	Mar 04 '26	Option Exercise	11.10	55,158	612,254	470,569	Mar 06 07:05 PM
SHUSTER BRADLEY M	Executive Chairman	Mar 05 '26	Sale	38.91	19,430	755,944	415,411	Mar 06 07:05 PM
BRADLEY M SHUSTER	Officer	Mar 05 '26	Proposed Sale	38.91	19,430	755,944		Mar 05 04:03 PM
SHUSTER BRADLEY M	Executive Chairman	Feb 25 '26	Option Exercise	11.10	55,158	612,254	470,569	Feb 27 06:11 PM
SHUSTER BRADLEY M	Executive Chairman	Feb 26 '26	Sale	39.85	19,557	779,427	415,411	Feb 27 06:11 PM
BRADLEY M SHUSTER	Officer	Feb 26 '26	Proposed Sale	39.85	19,557	779,427		Feb 26 06:23 PM
SHUSTER BRADLEY M	Executive Chairman	Feb 18 '26	Option Exercise	11.10	55,000	610,500	470,411	Feb 18 07:47 PM
SHUSTER BRADLEY M	Executive Chairman	Feb 18 '26	Sale	39.63	55,000	2,179,622	415,411	Feb 18 07:47 PM
Fitzgerald Norman Peter	EVP, Chief Sales Officer	Feb 17 '26	Sale	39.94	22,500	898,634	32,445	Feb 18 05:42 PM
Yousaf Mohammad Nawaz	EVP, Chief of Ops and Tech	Feb 17 '26	Sale	39.89	16,000	638,200	38,733	Feb 18 05:41 PM
BRADLEY M SHUSTER	Officer	Feb 18 '26	Proposed Sale	39.63	55,000	2,179,622		Feb 18 04:40 PM
NORMAN FITZGERALD	Officer	Feb 17 '26	Proposed Sale	39.94	22,500	898,634		Feb 17 06:15 PM
MOHAMMAD YOUSAF	Officer	Feb 17 '26	Proposed Sale	39.89	16,000	638,200		Feb 17 04:33 PM
EMBLER MICHAEL J	Director	Nov 19 '25	Sale	36.90	20,000	738,000	46,046	Nov 24 05:22 PM
EMBLER MICHAEL J	Director	Nov 19 '25	Proposed Sale	37.44	20,000	748,800		Nov 19 12:06 PM

NMI Holdings, Inc. engages in the provision of private mortgage guaranty insurance. It focuses on long-term customer relationships, disciplined and proactive risk selection and pricing, fair and transparent claims of payment practices, responsive customer service, financial strength, and profitability. The company was founded on May 19, 2011 and is headquartered in Emeryville, CA.

Executive ChairmanMr. Bradley Mize Shuster C.F.A.

PresidentMr. Adam S. Pollitzer

Executive VP & CFOMs. Aurora Jean Swithenbank

Executive VPMr. William J. Leatherberry J.D.

Executive VP & Chief Risk OfficerMr. Robert Owen Smith

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NMIH

NMI Holdings Inc

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