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NMIH · NMI Holdings Inc.
NASDAQ NMS - GLOBAL MARKET - BOATS Real Time Price • USD
NMI Holdings Inc (NMIH)
NASDAQ NMS - GLOBAL MARKET
Financial Services
$40.79
-0.85
(-2.04%)
● At close: October 21 at 4:00:00 PM EDT
DAY'S RANGE
$40.79
$40.55
$41.66
52-WEEK RANGE
$40.79
$34.84
$46.74
What's happening
- NMIH is down 2.04% today, trading at $40.79. — Live quote
- Volume today (26,358) is well below its 3-month average of 607,500. (Finnhub fundamentals)
- Reports earnings on 2026-11-05 (after market close), 14 days away. (Finnhub earnings calendar)
- Last quarter's EPS beat estimates: $1.38 actual vs. $1.31 estimated (+5.7%). (Finnhub earnings history)
Deterministic template sentences filled in from the same sourced figures shown elsewhere on this page -- not an AI-written summary, no live model call.
Key Statistics
Analyst Recommendations
Strong buy 5
Buy 6
Hold 3
Sell 0
Strong sell 0
Aggregate ratings for 2026-10-01 (14 analysts polled by Finnhub) — consensus count.
Performance Overview (Trailing returns vs S&P 500 benchmark)
YTD RETURN
NMIH
+2.08%
vs S&P 500
-10.69%
1-YEAR RETURN
NMIH
+15.25%
vs S&P 500
+0.69%
6-MONTH RETURN
NMIH
+7.24%
3-MONTH RETURN
NMIH
-0.51%
Earnings Trends (Quarterly EPS Actual vs Estimate)
2026-07-26 (Q2 2026)
$1.38
Est. $1.31
BEAT +5.7%
2026-04-26 (Q1 2026)
$1.28
Est. $1.26
BEAT +1.8%
2026-01-26 (Q4 2025)
$1.20
Est. $1.21
MISS -1.1%
2025-10-26 (Q3 2025)
$1.21
Est. $1.23
MISS -1.6%
Valuation Measures & Ratios
Enterprise Value4$3.48B
Forward P/E57.79
PEG Ratio61.39
Price / Sales (TTM1)4.29
Price / Book71.15
EV4 / Revenue4.76
EV4 / EBITDA6.37
Profit Margin54.10%
Operating Margin73.24%
Return on Equity (ROE8)15.14%
Return on Assets (ROA9)10.22%
Avg Volume (3M)607,500
Quarterly history (5 periods)
| Measure | Jun '26 | Mar '26 | Sep '25 | Jun '25 | Mar '25 |
|---|---|---|---|---|---|
| Market cap | $3.15B | $2.91B | $3.02B | $3.35B | $2.89B |
| P/E | 7.93 | 7.39 | 7.78 | 8.74 | 7.67 |
| Price/Sales | 4.35 | 4.11 | 4.36 | 4.97 | 4.39 |
| Price/Book | 1.16 | 1.11 | 1.20 | 1.39 | 1.24 |
| EV/Revenue | 4.35 | 4.11 | 4.36 | 4.97 | 4.39 |
| ROE | 14.69% | 14.97% | 15.41% | 15.85% | 16.22% |
| ROA | 9.94% | 10.08% | 10.40% | 10.68% | 10.89% |
Trailing-twelve-month ratios computed from SEC EDGAR quarterly figures and historical daily close prices (Alpaca). Diluted shares are derived from Net income ÷ EPS (diluted) for each quarter, not separately reported. Forward P/E/PEG unavailable (no free data source).
Glossary — what these abbreviations mean
- 1. TTM
- Trailing twelve months — the sum of the last four reported quarters, not a calendar year or the single latest quarter.
- 2. EPS
- Earnings per share — net income divided by diluted shares outstanding.
- 3. Beta
- A stock's historical volatility relative to the overall market. Above 1 means it has moved more than the market; below 1, less.
- 4. EV (Enterprise Value)
- Market cap plus total debt minus cash — roughly what it would cost to buy the whole company, debt included.
- 5. Forward P/E
- Price divided by analysts' estimated earnings for the next 12 months, instead of trailing actual earnings.
- 6. PEG Ratio
- P/E divided by expected earnings growth rate. A lower number can indicate a stock is cheap relative to how fast it's expected to grow.
- 7. Price / Book
- Share price divided by book value (assets minus liabilities) per share.
- 8. ROE
- Return on equity — net income divided by shareholders' equity, a measure of how efficiently a company turns equity into profit.
- 9. ROA
- Return on assets — net income divided by total assets, a measure of how efficiently a company turns assets into profit.
- 10. MRQ
- Most recent quarter — the single latest reported period, as opposed to TTM. The Financials section's "Quarterly" view below shows MRQ-style figures.
- 11. YoY
- Year over year — percent change versus the same period one year earlier, used for growth figures like those on Compare cards and the Screener.
Short Interest
Shares Short2,201,779
Change from Prior Settlement+11.39%
% of Float—
Days to Cover (Short Ratio)2.77
Source: FINRA Rule 4560 consolidated short interest, settlement date 2026-09-30. Reported bi-monthly with a reporting lag — not real-time.
Quotes and the 1-day extended-hours chart: Yahoo Finance. Longer historical charts: Alpaca (IEX feed) — real-time but IEX-only volume (~2.5% of consolidated market volume). Fundamentals + earnings: Finnhub.
Price history
Events
Drag horizontally to zoom into a section; use Reset view to restore all observations.
Technical signal summary
Calculating from the latest year of daily price history…
Show Technical Analysis Breakdown ▾ 10 Indicators
Not investment advice — read several signals together.
Indicators None active
Loading chart…
History limited by data provider; markers are heuristics, not signals.
Peer and sector context
No reviewed peer group is available for this symbol.
Balanced evidence
A deterministic summary of sourced facts—not an AI verdict.
Potential strengths
- Revenue growth is 8.1% on the provider's reported measure. Finnhub fundamentals ↗
- Net profit margin is 54.1%. Finnhub fundamentals ↗
- Trailing 52-week price return is +15.3%. Finnhub market metrics ↗
Potential concerns
- Latest SEC filing is Form 4, filed 2026-09-15; review it for current changes and risks. SEC EDGAR ↗
Rule-based facts only; absence from either side is not evidence, and this is not a recommendation.
More on NMIH
No accessible free API for these — links go to the source directly.
Financials
Fundamental trends
Visualized from the same SEC figures in the tables below.
Income statement
| Line item | Jun '26 | Mar '26 | Sep '25 | Jun '25 | Mar '25 | Sep '24 | Jun '24 | Mar '24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $187.9M | $183.5M | $178.7M | $173.8M | $173.2M | $166.1M | $162.1M | $156.3M |
| Net income | $105.8M | $99.3M | $96.0M | $96.2M | $102.6M | $92.8M | $92.1M | $89.0M |
| EPS (diluted) | $1.38 | $1.28 | $1.22 | $1.21 | $1.28 | $1.15 | $1.13 | $1.08 |
| EPS (basic) | $1.40 | $1.30 | $1.24 | $1.23 | $1.31 | $1.17 | $1.15 | $1.10 |
| Net margin | $56 | $54 | $54 | $55 | $59 | $56 | $57 | $57 |
Balance sheet
| Line item | Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $4.00B | $3.91B | $3.84B | $3.73B | $3.59B | $3.46B | $3.35B | $3.32B |
| Total liabilities | $1.29B | $1.28B | $1.25B | $1.21B | $1.17B | $1.13B | $1.13B | $1.12B |
| Stockholders' equity | $2.71B | $2.63B | $2.59B | $2.51B | $2.42B | $2.32B | $2.22B | $2.20B |
| Cash & equivalents | — | — | — | — | — | — | — | — |
| Marketable securities (current) | — | — | — | — | — | — | — | — |
| Property, plant & equipment | $20.8M | $20.9M | $21.7M | $22.8M | $23.8M | $25.0M | $25.7M | $27.3M |
| Goodwill | — | — | $3.2M | — | — | — | $3.2M | — |
| Long-term debt | — | — | — | — | — | — | — | — |
| Retained earnings | $2.18B | $2.07B | $1.97B | $1.88B | $1.78B | $1.69B | $1.58B | $1.50B |
| Accumulated other comprehensive income (loss) | -$74.3M | -$68.2M | -$46.1M | -$53.7M | -$72.8M | -$94.0M | -$124.8M | -$82.0M |
Cash flow
| Line item | Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 |
|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $142.6M | $116.1M | $61.7M | $128.0M | $128.4M | $101.2M | $35.8M | $128.4M |
| Investing cash flow | -$108.4M | -$47.9M | -$117.7M | -$57.0M | -$94.1M | -$47.7M | -$86.1M | -$40.8M |
| Financing cash flow | -$32.7M | -$41.4M | -$30.6M | -$24.6M | -$24.4M | -$33.6M | -$28.7M | -$16.9M |
| Free cash flow | $140.2M | $115.0M | $60.1M | $126.3M | $126.7M | $99.4M | $34.4M | $126.9M |
| Capital expenditures | $2.4M | $1.1M | $1.6M | $1.8M | $1.6M | $1.7M | $1.4M | $1.5M |
| Depreciation & amortization | $2.5M | $2.5M | $2.7M | $2.8M | $2.8M | $2.9M | $3.0M | $3.0M |
| Share-based compensation | $5.3M | $4.7M | $6.2M | $4.5M | $5.0M | $4.5M | $7.1M | $4.4M |
| Deferred income taxes | — | — | $71.8M | — | — | — | $80.7M | — |
| Purchases of investments | $204.7M | $299.7M | $326.7M | $144.3M | $111.8M | $141.5M | $125.8M | $119.1M |
| Sales/maturities of investments | $99.7M | $115.0M | $110.5M | $6.3M | $13.6M | $0 | $0 | $0 |
| Share repurchases | $32.3M | $27.7M | $30.6M | $24.6M | $24.0M | $25.9M | $28.7M | $16.9M |
| Debt issued | — | — | $0 | — | — | — | $419.7M | — |
| Debt repaid | — | — | $0 | — | — | — | $405.1M | — |
| Tax withholding on stock comp | $477.0K | $17.6M | $0 | $59.0K | $493.0K | $10.4M | $28.0K | $13.0K |
Income statement
| Line item | Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 |
|---|---|---|---|---|---|
| Revenue | $706.4M | $651.0M | $579.0M | $523.3M | $485.1M |
| Net income | $388.9M | $360.1M | $322.1M | $292.9M | $231.1M |
| EPS (diluted) | $4.92 | $4.43 | $3.84 | $3.39 | $2.65 |
| EPS (basic) | $5.01 | $4.51 | $3.91 | $3.45 | $2.70 |
| Net margin | $55 | $55 | $56 | $56 | $48 |
Balance sheet
| Line item | Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 |
|---|---|---|---|---|---|
| Total assets | $3.84B | $3.35B | $2.94B | $2.52B | $2.45B |
| Total liabilities | $1.25B | $1.13B | $1.01B | $902.3M | $884.8M |
| Stockholders' equity | $2.59B | $2.22B | $1.93B | $1.61B | $1.57B |
| Cash & equivalents | — | — | — | — | — |
| Marketable securities (current) | — | — | — | — | — |
| Property, plant & equipment | $21.7M | $25.7M | $30.3M | $31.9M | $32.0M |
| Goodwill | $3.2M | $3.2M | $3.2M | $3.2M | $3.2M |
| Long-term debt | — | — | — | $396.1M | $394.6M |
| Retained earnings | $1.97B | $1.58B | $1.22B | $901.0M | $608.1M |
| Accumulated other comprehensive income (loss) | -$46.1M | -$124.8M | -$139.9M | -$204.3M | $1.5M |
Cash flow
| Line item | Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 |
|---|---|---|---|---|---|
| Operating cash flow | $419.3M | $393.6M | $342.7M | $313.4M | $325.7M |
| Investing cash flow | -$316.5M | -$339.3M | -$200.0M | -$289.8M | -$374.2M |
| Financing cash flow | -$113.2M | -$96.7M | -$90.4M | -$55.8M | -$1.8M |
| Free cash flow | $412.5M | $386.7M | $333.3M | $302.8M | $313.5M |
| Capital expenditures | $6.8M | $6.9M | $9.4M | $10.6M | $12.2M |
| Depreciation & amortization | $11.3M | $11.9M | $11.5M | $11.9M | $11.2M |
| Share-based compensation | $20.2M | $19.8M | $16.9M | $15.4M | $16.7M |
| Deferred income taxes | $71.8M | $80.7M | $90.6M | $84.4M | $65.5M |
| Purchases of investments | $724.3M | $481.7M | $488.6M | $233.6M | $514.4M |
| Sales/maturities of investments | $130.3M | $0 | $0 | — | — |
| Share repurchases | $105.1M | $97.6M | $91.6M | $56.6M | $0 |
| Debt issued | $0 | $419.7M | $0 | $0 | $0 |
| Debt repaid | $0 | $405.1M | $0 | $0 | $0 |
| Tax withholding on stock comp | $11.0M | $10.2M | $9.4M | $5.2M | $5.4M |
Source: SEC EDGAR XBRL filings (10-Q/10-K), as originally tagged by the company. Quarterly cash flow is reconstructed by de-cumulating fiscal-year-to-date figures (how cash flow is tagged in 10-Qs); other quarterly lines are reported directly.
Institutional holders
SEC Form 13F filers holding NMIH as of the latest reported quarter. 13F only covers investment managers with $100M+ in assets — this is not a complete ownership picture, and does not include insiders (see Recent SEC filings below) or non-13F-eligible holders.
Institutional ownership is not available for this symbol right now.
Insider activity
Directors, officers, and 10%+ owners' reported transactions from SEC Form 4. A filing reports a transaction; it does not by itself explain why it happened.
Source: SEC EDGAR Form 4 filings · checked 25 most recent filings · covers 2026-02-17 to 2026-09-13
Recent transactions
- Insiders have net sold 197,922 shares over the last 182 days, across 0 purchases and 4 sales.
- Most recent: Realmuto Nicholas Daniel (SVP, Controller) — Tax withholding of 302 shares on 2026-09-13.
Deterministic template sentences filled in from the SEC Form 4 figures in the tables below -- not an AI-written summary, no live model call.
Insider purchases & sales, last 6 months
Purchases (open market)0 sh(0 txns)
Sales (open market)197,922 sh(4 txns)
Net Shares-197,922
Counts only open-market purchases (code P) and sales (code S) — grants, option exercises, tax withholding, and gifts are excluded since they aren't a market buy/sell decision.
Insider roster
| Name | Title | Most Recent Transaction | Date | Shares |
|---|---|---|---|---|
| Realmuto Nicholas Daniel | SVP, Controller | Tax withholding | 2026-09-13 | 302 |
| Pollitzer Adam | Chief Executive Officer | Option exercise | 2026-09-04 | 16,264 |
| Swithenbank Aurora | EVP, Chief Financial Officer | Open market sale | 2026-08-11 | 11,662 |
| Smith Robert Owen | EVP, Chief Risk Officer | Open market sale | 2026-08-03 | 12,000 |
| Montgomery Michael Curry | Director | Open market sale | 2026-05-19 | 1,554 |
| EMBLER MICHAEL J | Director | Grant / award | 2026-05-14 | 4,512 |
| SCHEID STEVEN | Director | Grant / award | 2026-05-14 | 4,512 |
| McCreary Lynn S. | Director | Grant / award | 2026-05-14 | 4,512 |
| Huskins Priya Cherian | Director | Grant / award | 2026-05-14 | 4,512 |
| Erickson John C | Director | Grant / award | 2026-05-14 | 4,512 |
| Agrawal Renu | Director | Grant / award | 2026-05-14 | 4,512 |
| SHUSTER BRADLEY M | Executive Chairman | Open market sale | 2026-03-24 | 18,953 |
| Leatherberry William J | Chief Admin. Officer & GC | Other acquisition/disposition | 2026-02-27 | 4,900 |
| Fitzgerald Norman Peter | EVP, Chief Sales Officer | Open market sale | 2026-02-17 | 22,500 |
| Yousaf Mohammad Nawaz | EVP, Chief of Ops and Tech | Open market sale | 2026-02-17 | 16,000 |
Recent transactions
| Date | Insider | Title | Transaction | Shares | Price |
|---|---|---|---|---|---|
| 2026-09-13 | Realmuto Nicholas Daniel | SVP, Controller | Tax withholding | 302 | $0.00 |
| 2026-09-04 | Pollitzer Adam | Chief Executive Officer | Option exercise | 16,264 | $18.70 |
| 2026-09-04 | Pollitzer Adam | Chief Executive Officer | Option exercise | 19,435 | $16.00 |
| 2026-09-04 | Pollitzer Adam | Chief Executive Officer | Option exercise | 25,426 | $22.19 |
| 2026-09-04 | Pollitzer Adam | Chief Executive Officer | Open market sale | 172,706 | $44.85 |
| 2026-08-11 | Swithenbank Aurora | EVP, Chief Financial Officer | Open market sale | 11,662 | $44.51 |
| 2026-08-03 | Smith Robert Owen | EVP, Chief Risk Officer | Open market sale | 12,000 | $44.65 |
| 2026-05-19 | Montgomery Michael Curry | Director | Open market sale | 1,554 | $37.90 |
| 2026-05-14 | EMBLER MICHAEL J | Director | Grant / award | 4,512 | $0.00 |
| 2026-05-14 | Montgomery Michael Curry | Director | Grant / award | 4,512 | $0.00 |
| 2026-05-14 | SCHEID STEVEN | Director | Grant / award | 4,512 | $0.00 |
| 2026-05-14 | McCreary Lynn S. | Director | Grant / award | 4,512 | $0.00 |
| 2026-05-14 | Huskins Priya Cherian | Director | Grant / award | 4,512 | $0.00 |
| 2026-05-14 | Erickson John C | Director | Grant / award | 4,512 | $0.00 |
| 2026-05-14 | Agrawal Renu | Director | Grant / award | 4,512 | $0.00 |
| 2026-05-08 | Swithenbank Aurora | EVP, Chief Financial Officer | Tax withholding | 2,922 | $0.00 |
| 2026-05-01 | Swithenbank Aurora | EVP, Chief Financial Officer | Tax withholding | 9,135 | $0.00 |
| 2026-03-24 | SHUSTER BRADLEY M | Executive Chairman | Open market sale | 18,953 | $37.35 |
| 2026-03-23 | SHUSTER BRADLEY M | Executive Chairman | Option exercise | 55,156 | $11.10 |
| 2026-03-23 | SHUSTER BRADLEY M | Executive Chairman | Tax withholding | 36,203 | $0.00 |
| 2026-03-19 | SHUSTER BRADLEY M | Executive Chairman | Open market sale | 18,996 | $37.05 |
| 2026-03-18 | SHUSTER BRADLEY M | Executive Chairman | Option exercise | 55,158 | $11.10 |
| 2026-03-18 | SHUSTER BRADLEY M | Executive Chairman | Tax withholding | 36,162 | $0.00 |
| 2026-03-15 | Realmuto Nicholas Daniel | SVP, Controller | Grant / award | 3,882 | $0.00 |
| 2026-03-15 | Realmuto Nicholas Daniel | SVP, Controller | Tax withholding | 1,042 | $0.00 |
| 2026-03-15 | Realmuto Nicholas Daniel | SVP, Controller | Tax withholding | 772 | $0.00 |
| 2026-03-15 | Realmuto Nicholas Daniel | SVP, Controller | Tax withholding | 565 | $0.00 |
| 2026-03-15 | Realmuto Nicholas Daniel | SVP, Controller | Tax withholding | 674 | $0.00 |
| 2026-03-12 | SHUSTER BRADLEY M | Executive Chairman | Open market sale | 18,976 | $36.58 |
| 2026-03-11 | SHUSTER BRADLEY M | Executive Chairman | Option exercise | 55,158 | $11.10 |
| 2026-03-11 | SHUSTER BRADLEY M | Executive Chairman | Tax withholding | 36,182 | $0.00 |
| 2026-03-05 | SHUSTER BRADLEY M | Executive Chairman | Open market sale | 19,430 | $38.91 |
| 2026-03-04 | SHUSTER BRADLEY M | Executive Chairman | Option exercise | 55,158 | $11.10 |
| 2026-03-04 | SHUSTER BRADLEY M | Executive Chairman | Tax withholding | 35,728 | $0.00 |
| 2026-02-27 | Leatherberry William J | Chief Admin. Officer & GC | Other acquisition/disposition | 4,900 | $0.00 |
| 2026-02-26 | SHUSTER BRADLEY M | Executive Chairman | Open market sale | 19,557 | $39.85 |
| 2026-02-25 | SHUSTER BRADLEY M | Executive Chairman | Option exercise | 55,158 | $11.10 |
| 2026-02-25 | SHUSTER BRADLEY M | Executive Chairman | Tax withholding | 35,601 | $0.00 |
| 2026-02-18 | SHUSTER BRADLEY M | Executive Chairman | Option exercise | 55,000 | $11.10 |
| 2026-02-18 | SHUSTER BRADLEY M | Executive Chairman | Open market sale | 55,000 | $39.63 |
| 2026-02-17 | Fitzgerald Norman Peter | EVP, Chief Sales Officer | Open market sale | 22,500 | $39.94 |
| 2026-02-17 | Yousaf Mohammad Nawaz | EVP, Chief of Ops and Tech | Open market sale | 16,000 | $39.89 |
Recent SEC filings
Official company reports and insider transaction filings. Form 4 reports a transaction; it does not by itself explain why it happened.
Source: SEC EDGAR submissions · updated 2026-10-22 07:03 UTC
| Filed | Form | Report period | Official filing |
|---|---|---|---|
| 2026-09-15 | 4 | 2026-09-13 | View on SEC.gov → |
| 2026-09-09 | 4 | 2026-09-04 | View on SEC.gov → |
| 2026-09-04 | 4 | 2026-09-04 | View on SEC.gov → |
| 2026-08-12 | 4 | 2026-08-11 | View on SEC.gov → |
| 2026-08-05 | 4 | 2026-08-03 | View on SEC.gov → |
| 2026-07-31 | 10-Q | 2026-06-30 | View on SEC.gov → |
| 2026-07-30 | 8-K | 2026-07-30 | View on SEC.gov → |
| 2026-05-20 | 4 | 2026-05-19 | View on SEC.gov → |
| 2026-05-18 | 4 | 2026-05-14 | View on SEC.gov → |
| 2026-05-18 | 4 | 2026-05-14 | View on SEC.gov → |
| 2026-05-18 | 4 | 2026-05-14 | View on SEC.gov → |
| 2026-05-18 | 4 | 2026-05-14 | View on SEC.gov → |
Recent news
Headlines about NMIH (NMI Holdings Inc.). Links open the publisher — we don’t host full articles.
-
Analysts Are Bullish on Top Financial Stocks: NMI Holdings (NMIH), Mastercard (MA)
The Globe and Mail · 2026-10-21 -
NMI Holdings, Inc. (NMIH) Stock Price, News, Quote & History
Yahoo! Finance Canada · 2026-10-20 -
GL Gains From Premium Growth, AI Adoption and Higher Investment Income
Yahoo · 2026-10-20 -
NMIH Q2 2026 Earnings: EPS of $1.38 Beats Estimates by 5.7% as Shares Edge Higher - Share Dilution Risk
https://www.dars.gov.et/ · 2026-10-19 -
Unum Group's Premium Growth and Share Buybacks Support 2026 Outlook
Yahoo · 2026-10-19 -
RBC maintains USD 53.00 target for NMI Holdings stock
AD HOC NEWS · 2026-10-17 -
JPMorgan cuts target to USD 45 for NMI Holdings stock - ad-hoc-news.de
ad-hoc-news.de · 2026-10-15 -
FAF Trading at a Discount to Industry at 1.12X: Time to Buy or Hold?
Yahoo · 2026-10-15
No headlines in this category right now — try “All”.