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Overview
Profile

NMI Holdings stock

NMIH
US6292093050
A1W8UB

Price

41.19
Today +/-
+0.14
Today %
+0.39 %
P

NMI Holdings stock price

%
Weekly
Details

Price

ⓘ

Overview

The Quote Chart provides detailed and dynamic insights into the NMI Holdings stock's performance, showcasing daily, weekly, or monthly aggregated quotes. Users can switch between different time frames to analyze the stock's progression meticulously and make informed investment decisions.

Intraday Feature

The intraday feature provides real-time data, allowing investors to view the NMI Holdings stock’s price fluctuations within the trading day, facilitating timely and strategic investment decisions.

Total Return and Relative Price Change

View the total return of the NMI Holdings stock to gauge its profitability over time. The relative price change, based on the first quote available in the selected timeframe, offers insights into the stock’s performance, assisting in evaluating its investment potential.

Interpretation and Investment

Utilize the comprehensive data presented in the Quote Chart to analyze NMI Holdings's market trends, price movements, and potential returns. Make informed investment choices by comparing different time frames and evaluating intraday data for optimized portfolio management.

NMI Holdings Stock Price History

DateNMI Holdings Price
9/30/202441.19 undefined
9/27/202441.03 undefined
9/26/202440.85 undefined
9/25/202440.92 undefined
9/24/202441.01 undefined
9/23/202441.43 undefined
9/20/202440.84 undefined
9/19/202441.51 undefined
9/18/202441.66 undefined
9/17/202441.15 undefined
9/16/202441.73 undefined
9/13/202441.07 undefined
9/12/202439.73 undefined
9/11/202439.34 undefined
9/10/202440.10 undefined
9/9/202440.23 undefined
9/6/202440.57 undefined
9/5/202440.96 undefined
9/4/202441.55 undefined
9/3/202440.91 undefined

NMI Holdings Revenue, EBIT, Net Income

  • 3 years

  • 5 years

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  • 25 Years

  • Max

Revenue
EBIT
Net Income
Details

Revenue, EBIT and Profit

ⓘ

Understanding Revenue, EBIT, and Income

Gain insights into NMI Holdings, a comprehensive overview of its financial performance can be obtained by analyzing the Revenue, EBIT, and Income chart. Revenue represents the total income generated by NMI Holdings from its primary operations, showcasing the company’s ability to attract and retain clients. EBIT, or Earnings Before Interest and Taxes, indicates the company’s operational profitability, free from the influence of tax and interest expenses. The Income section reflects NMI Holdings’s net earnings, an ultimate measure of its financial health and profitability.

Yearly Analysis and Comparisons

Observe the yearly bars to understand the annual performance and growth of NMI Holdings. Compare the Revenue, EBIT, and Income to evaluate the company’s efficiency and profitability. A higher EBIT compared to the previous year suggests an improvement in operational efficiency. Likewise, an increase in Income indicates enhanced overall profitability. Analyzing the year-to-year comparison assists investors in understanding the company’s growth trajectory and operational efficiency.

Utilizing Expectations for Investment

The expected values for the forthcoming years offer investors a glimpse into NMI Holdings’s anticipated financial performance. Analyzing these projections alongside historical data aids in making informed investment decisions. Investors can gauge the potential risks and returns, aligning their investment strategies accordingly to optimize profitability and mitigate risks.

Investment Insights

Leveraging the comparison between Revenue and EBIT helps in assessing NMI Holdings’s operational efficiency, while the Revenue and Income comparison reveals the net profitability after accounting for all expenses. Investors can derive valuable insights by meticulously analyzing these financial parameters, laying the foundation for strategic investment decisions aimed at capitalizing on NMI Holdings’s growth potential.

NMI Holdings Revenue, EBIT and net profit per share

DateNMI Holdings RevenueNMI Holdings EBITNMI Holdings Net Income
2026e686.76 M undefined499.5 M undefined428.26 M undefined
2025e636.17 M undefined456.62 M undefined388.24 M undefined
2024e593.13 M undefined378.71 M undefined369.44 M undefined
2023579 M undefined444.92 M undefined322.11 M undefined
2022523.3 M undefined408.4 M undefined292.9 M undefined
2021485.1 M undefined328 M undefined231.1 M undefined
2020433.3 M undefined239.6 M undefined171.6 M undefined
2019378.8 M undefined237.4 M undefined172 M undefined
2018275 M undefined152.3 M undefined107.9 M undefined
2017182.7 M undefined70.4 M undefined22.1 M undefined
2016123.8 M undefined28.2 M undefined64 M undefined
201553.6 M undefined-27.6 M undefined-27.8 M undefined
201419.3 M undefined-54.2 M undefined-48.9 M undefined
20137.1 M undefined-53.7 M undefined-55.2 M undefined
2012300,000 undefined-24.7 M undefined-27.5 M undefined
20110 undefined-1.3 M undefined-1.3 M undefined

NMI Holdings Income Statement, Balance Sheet, Cash Flow Statement

  • Simple

  • Expanded

  • Income Statement

  • Balance Sheet

  • Cashflow

 
REVENUE (M)REVENUE GROWTH (%)GROSS MARGIN (%)GROSS INCOME (M)EBIT (M)EBIT MARGIN (%)NET INCOME (M)NET INCOME GROWTH (%)SHARES (M)DOCUMENTS
20112012201320142015201620172018201920202021202220232024e2025e2026e
0071953123182275378433485523579593636686
---171.43178.95132.0847.9751.1037.4514.5512.017.8410.712.427.257.86
----------------
0000000000000000
-1-24-53-54-272870152237239328408444378456499
---757.14-284.21-50.9422.7638.4655.2762.7055.2067.6378.0176.6863.7471.7072.74
-1-27-55-48-276422107172171231292322369388428
-2,600.00103.70-12.73-43.75-337.04-65.63386.3660.75-0.5835.0926.4110.2714.605.1510.31
57.737.95658.358.760.862.267.769.779.386.98683.85000
----------------
Details

Keystats

ⓘ

Revenue and Growth

The NMI Holdings Revenue and Revenue Growth are pivotal to understanding the company's financial health and operational efficiency. A consistent increase in revenue indicates a company’s ability to effectively market and sell its products or services, while the revenue growth percentage offers insights into the pace at which the company is expanding over the years.

Gross Margin

The Gross Margin is a crucial metric that showcases the percentage of revenue exceeding the cost of goods sold (COGS). A higher gross margin is indicative of a company’s efficiency in controlling its production costs, thereby promising potential profitability and financial stability.

EBIT and EBIT Margin

EBIT (Earnings Before Interest and Taxes) and EBIT Margin offer deep insights into a company’s profitability, excluding the impacts of interest and taxes. Investors often assess these metrics to gauge the operational efficiency and inherent profitability of a business, separate from its financial structure and tax environment.

Income and Growth

Net Income and its subsequent growth are quintessential for investors looking to understand a company’s profitability. Consistent income growth underscores a company’s ability to enhance its profitability over time, reflecting operational efficiency, strategic competitiveness, and financial health.

Shares Outstanding

Shares outstanding refer to the total number of shares a company has issued. It's instrumental in calculating key metrics like Earnings Per Share (EPS) which is pivotal for investors to evaluate a company’s profitability on a per-share basis, offering a more granular view of financial health and valuation.

Interpreting Year to Year Comparison

Comparing yearly data allows investors to identify trends, assess the company’s growth, and anticipate potential future performance. Analyzing how metrics like revenue, income, and margins change year over year can provide valuable insights into the company’s operational efficiency, competitiveness, and overall financial health.

Expectations and Predictions

Investors often juxtapose the current and past financial data with the market’s expectations. This comparison aids in assessing whether the NMI Holdings is performing as anticipated, underperforming or outperforming the market predictions, providing pivotal data for investment decisions.

 
ASSETSCASH BALANCE (M)RECEIVABLES (M)OTHER REC. (M)INVENTORIES (M)OTHER CURRENT LIAB. (M)CURRENT ASSETS (M)TANGIBLE ASSETS (M)LONG-T. INVEST. (B)LONG-T. REC. (M)INTANGIBLE ASSETS (M)GOODWILL (M)OTHER NON-CURRENT ASSETS (M)NON-CURRENT ASSETS (B)TOTAL ASSETS (B)LIABILITIESCOMMON STOCK (k)ADDITIONAL PAID-IN CAPITAL (M)RETAINED EARNINGS (B)OTHER EQUITY (M)UNREAL. GAINS/LOSSES (M)EQUITY (B)LIABILITIES (M)PROVISIONS (M)OTHER SHORT-TERM LIAB. (M)SHORT-TERM DEBTS (M)LONG-TERM DEBT PORTION (M)SHORT-TERM REC. (M)LONG-T. LIAB. (M)DEFERRED TAXES (M)OTHER LIAB. (M)LONG-T. LIABILITIES (M)DEBT (M)TOTAL CAPITAL (B)
2011201220132014201520162017201820192020202120222023
                         
0000000000000
0000000000000
0000000000000
0000000000000
0000000000000
0000000000000
07.68.911.815.220.422.824.832.534.334.642.339.35
000.410.340.560.630.720.911.141.82.092.12.37
0000000000000
03.63.63.60.43.60.40.43.63.60.40.40.39
00003.203.23.2003.23.23.24
040.300051.419.90003.22.21.34
00.060.420.350.580.70.760.941.181.842.132.152.42
00.060.420.350.580.70.760.941.181.842.132.152.42
                         
0600600600600600600700700900900900873
0517553.7562.9570.3576.9585.5682.2707937.9955.3972.7990.82
-0-0.03-0.08-0.13-0.16-0.1-0.070.030.210.380.610.91.22
00-7-3.6-7.5-5.3-2.9-14.817.353.91.5-204.3-139.92
0000000000000
-00.490.460.430.40.480.510.70.931.371.571.672.07
1.48.710.110.622.725.323.431.139.961.77274.686.19
000000007.45.32.912.111.4
040.300000000000
0000000000000
0000000000000
1.44910.110.622.725.323.431.147.36774.986.797.59
0.2000143.9144.4143.9146.8145.8393.3394.6396.1397.6
00.10.10.10.1002.756.4112.6164.2193.9301.57
04.86.43.41.58.212.511.110.36.12.70.20.06
0.24.96.53.5145.5152.6156.4160.6212.5512561.5590.2699.22
1.653.916.614.1168.2177.9179.8191.7259.8579636.4676.9796.81
00.540.480.440.570.650.690.891.191.952.22.352.87
Details

Balance Sheet

ⓘ

Understanding the Balance Sheet

The balance sheet of NMI Holdings provides a detailed financial snapshot, revealing the company's assets, liabilities, and equity at a specific point in time. Analyzing these components is crucial for investors looking to understand NMI Holdings's financial health and stability.

Assets

NMI Holdings's assets represent everything the company owns or controls that has monetary value. These are categorized into current and non-current assets, offering insights into the company's liquidity and long-term investments.

Liabilities

Liabilities are obligations that NMI Holdings must settle in the future. Analyzing the ratio of liabilities to assets provides insights into the company's financial leverage and risk exposure.

Equity

Equity refers to the residual interest in the assets of NMI Holdings after deducting liabilities. It represents the owners’ claim on the company’s assets and earnings.

Year-to-Year Analysis

Comparing balance sheet figures year-to-year allows investors to identify trends, growth patterns, and potential financial risks, facilitating informed investment decisions.

Interpreting the Data

Detailed analysis of assets, liabilities, and equity can provide investors with comprehensive insights into NMI Holdings's financial standing, aiding in investment evaluations and risk assessments.

 
NET INCOME (M)DEPRECIATION (M)DEFERRED TAXES (M)CHANGES IN WORKING CAPITAL (M)NON-CASH ITEM (M)PAID INTEREST (M)PAID TAXES (k)NET CASH FLOW FROM OPERATING ACTIVITIES (M)CAPITAL EXPENDITURES (M)CASH FLOW FROM INVESTING ACTIVITIES (M)CASH FLOW FROM OTHER INVESTING ACTIVITIES (M)INTEREST INCOME AND EXPENSES (M)NET DEBT CHANGE (M)NET CHANGE IN EQUITY (M)CASH FLOW FROM FINANCING ACTIVITIES (M)CASH FLOW FROM OTHER FINANCING ACTIVITIES ()TOTAL DIVIDENDS PAID (M)NET CHANGE IN CASH FLOW (M)FREE CASH FLOW (M)SHARE-BASED COMPENSATION (M)
2011201220132014201520162017201820192020202120222023
-1-27-55-48-276522107172171231292322
0088456799111111
00000-5431254546658490
140155943-7-13-4111-4-95-95
0142013131825293524393530
00000913121017292929
0000001,000000000
0-14-36-21417167145208252325313342
0-2-6-8-6-11-8-8-10-12-12-10-9
0-9-41968-230-79-93-220-194-629-374-289-200
0-7-41376-224-68-84-212-184-617-361-279-190
0000000000000
0000148-1-11-1252000
051027100792212284-50-81
0510260143-1-3802462-1-55-90
---1.00-1.00-5.00--9.00-13.00-18.00-18.00-6.00-5.00-9.00
0000000000000
0485-42947-45-9-2861585-50-3252
-0.2-17-43-29.235.460.459.3137.8198.2240.4313.5302.8333.31
0000000000000

NMI Holdings stock margins

The NMI Holdings margin analysis displays the gross margin, EBIT margin, as well as the profit margin of NMI Holdings. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for NMI Holdings.

  • 3 years

  • 5 years

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  • Max

Gross margin
EBIT margin
Profit margin
Details

Margin

ⓘ

Understanding Gross Margin

The gross margin, expressed as a percentage, delineates the gross profit made from the NMI Holdings's sales revenue. A higher gross margin percentage indicates that the NMI Holdings retains more revenue after accounting for the costs of goods sold. Investors use this metric to gauge financial health and operational efficiency, as well as to compare it with competitors and industry averages.

EBIT Margin Analysis

EBIT margin represents the NMI Holdings's earnings before interest and taxes. Analyzing the EBIT margin over different years provides insights into the operational profitability and efficiency, excluding the effects of financial leverage and tax structure. A growing EBIT margin over the years signifies improving operational performance.

Revenue Margin Insights

The revenue margin demonstrates the NMI Holdings's total revenue generated. When comparing the revenue margin year over year, investors can gauge the NMI Holdings's growth and market expansion. It is essential to compare the revenue margin with the gross and EBIT margins to understand the cost and profit structures better.

Interpreting Expectations

The expected values for gross, EBIT, and revenue margins provide future financial outlook of the NMI Holdings. Investors should compare these expectations with historical data to understand potential growth and risk factors. It is crucial to consider the underlying assumptions and methodologies used in projecting these expected values to make informed investment decisions.

Comparative Analysis

Comparing the gross, EBIT, and revenue margins, both yearly and over multiple years, enables investors to perform a comprehensive analysis of the NMI Holdings's financial health and growth prospects. Evaluating the trends and patterns in these margins helps in identifying strengths, weaknesses, and potential investment opportunities.

NMI Holdings Margin History

NMI Holdings Gross marginNMI Holdings Profit marginNMI Holdings EBIT marginNMI Holdings Profit margin
2026e0 %72.73 %62.36 %
2025e0 %71.78 %61.03 %
2024e0 %63.85 %62.29 %
20230 %76.84 %55.63 %
20220 %78.04 %55.97 %
20210 %67.61 %47.64 %
20200 %55.3 %39.6 %
20190 %62.67 %45.41 %
20180 %55.38 %39.24 %
20170 %38.53 %12.1 %
20160 %22.78 %51.7 %
20150 %-51.49 %-51.87 %
20140 %-280.83 %-253.37 %
20130 %-756.34 %-777.46 %
20120 %-8,233.33 %-9,166.67 %
20110 %0 %0 %

NMI Holdings Stock Sales Revenue, EBIT, Earnings per Share

The NMI Holdings earnings per share therefore indicates how much revenue NMI Holdings has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.

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Sales per Share
EBIT per share
Earnings per Share
Details

Revenue, EBIT and Earnings per share

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Revenue Per Share

Revenue per share represents the total revenue NMI Holdings earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates NMI Holdings's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of NMI Holdings’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating NMI Holdings's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

NMI Holdings Revenue, EBIT and net profit per share

DateNMI Holdings Sales per ShareNMI Holdings EBIT per shareNMI Holdings Earnings per Share
2026e8.62 undefined0 undefined5.38 undefined
2025e7.99 undefined0 undefined4.87 undefined
2024e7.44 undefined0 undefined4.64 undefined
20236.9 undefined5.31 undefined3.84 undefined
20226.08 undefined4.75 undefined3.41 undefined
20215.58 undefined3.77 undefined2.66 undefined
20205.46 undefined3.02 undefined2.16 undefined
20195.43 undefined3.41 undefined2.47 undefined
20184.06 undefined2.25 undefined1.59 undefined
20172.94 undefined1.13 undefined0.36 undefined
20162.04 undefined0.46 undefined1.05 undefined
20150.91 undefined-0.47 undefined-0.47 undefined
20140.33 undefined-0.93 undefined-0.84 undefined
20130.13 undefined-0.96 undefined-0.99 undefined
20120.01 undefined-0.65 undefined-0.73 undefined
20110 undefined-0.02 undefined-0.02 undefined

NMI Holdings business model

NMI Holdings Inc. (NMI) is a US holding company specializing in the insurance of mortgage-backed loans. It was founded in 2011 and is headquartered in Emeryville, California. NMI offers insurance for loans taken out by individuals to finance the purchase or refinancing of real estate. This insurance covers the risk of borrowers being unable to make their monthly payments and therefore defaulting. NMI's main products are private mortgage insurance (PMI) and mortgage assurance (MA). PMI insurance is legally required in the US when a borrower makes a down payment of less than 20% of the property value. This insurance provides protection for the lender in case the borrower is unable to repay the loan. MA insurance offers similar benefits to PMI insurance but can be voluntarily taken out to provide additional protection. NMI operates four different business segments. The main segment is NMIL, which offers private mortgage insurance and mortgage assurance. The second segment is NMIS, which offers services related to the insurance of mortgage-backed loans. The third segment is NMIA, which provides support services for the insurance of mortgage-backed loans. The fourth segment is NMIH, which is the holding company and makes strategic decisions. NMI works with various lenders, including banks, credit unions, and non-bank lenders such as Quicken Loans and loanDepot. Lenders pay a premium to NMI to insure their loan portfolios. The amount of premiums depends on various factors, such as the borrower's creditworthiness and the size of the down payment. In 2017, NMI's premium volume was over $155 million. NMI has approximately 280 employees in the US and offers its products in all 50 states. The company is listed on NASDAQ and has a market capitalization of around $1.5 billion (as of August 2018). In recent years, NMI has expanded its business to also insure riskier loans, such as loans from self-employed individuals or loans with lower credit scores. NMI is also working to improve its technological capabilities to automate and streamline its processes. The future outlook for NMI is positive, as the US housing market continues to grow strongly and the demand for mortgage-backed loans remains high. However, like any insurer, NMI is influenced by economic factors such as interest rate changes, unemployment rates, and housing market prices. Overall, with its solid business model and strong brand, NMI is well positioned to be successful in the future. NMI Holdings is one of the most popular companies on Eulerpool.com.

NMI Holdings SWOT Analysis

Strengths

1. Strong Financial Position: NMI Holdings Inc possesses a solid financial standing with a healthy balance sheet and steady revenue growth, which provides stability and resilience.

2. Market Leadership: The company is a recognized leader in the mortgage insurance industry, holding a considerable market share and benefiting from economies of scale.

3. Innovation and Technology: NMI Holdings Inc invests in advanced technology solutions, enabling efficient and streamlined processes, enhancing customer experience, and gaining a competitive edge.

Weaknesses

1. Dependency on Economic Conditions: NMI Holdings Inc's performance is closely tied to the overall economic health, particularly the mortgage market. Downturns or recessionary periods can significantly impact the company's revenue and profitability.

2. Narrow Product Portfolio: The company primarily focuses on mortgage insurance and lacks diversification into other financial services or insurance lines, limiting potential revenue streams.

3. Dependency on Regulatory Approvals: NMI Holdings Inc operates in a highly regulated industry and is subject to changes in regulations and government policies. Delays or difficulties in obtaining necessary approvals can hinder business operations.

Opportunities

1. Tapping into Growing Mortgage Market: With increasing homeownership rates and a positive outlook for the mortgage industry, NMI Holdings Inc can expand its market share and benefit from higher demand for mortgage insurance.

2. Expansion into Adjacent Markets: Exploring opportunities in related sectors such as mortgage servicing or other complementary insurance products can diversify NMI Holdings Inc's revenue streams and mitigate dependence on a single line of business.

3. International Expansion: Considering expansion into international markets with emerging mortgage sectors can provide new growth avenues for NMI Holdings Inc.

Threats

1. Intense Market Competition: The mortgage insurance industry is highly competitive, with numerous established players and new entrants. Intensifying competition can lead to price pressures and reduced market share for NMI Holdings Inc.

2. Economic and Housing Market Uncertainty: Instabilities in the economy, housing market, or interest rates can impact the demand for mortgage insurance and hinder growth prospects for NMI Holdings Inc.

3. Regulatory Compliance Challenges: Existing and evolving regulations, compliance requirements, and potential legal actions pose a constant challenge for NMI Holdings Inc, necessitating dedicated resources and expertise.

NMI Holdings Eulerpool Fair Value

Details

Fair Value

ⓘ

Understanding Fair Value

The fair value of a stock provides insights into whether the stock is currently undervalued or overvalued. It is calculated based on profit, revenue, or dividends and offers a comprehensive perspective of the stock’s intrinsic value.

Income-Based Fair Value

This is calculated by multiplying the earnings per share by the average P/E ratio of the selected past years for smoothing. If the fair value is higher than the current market price, it suggests that the stock is undervalued.

Example 2022

Fair Value Profit 2022 = Earnings per Share 2022 / Average P/E Ratio 2019 - 2021 (3 Years Smoothing)

Revenue-Based Fair Value

It is derived by multiplying the revenue per share by the average price-to-sales ratio of the selected past years for smoothing. An undervalued stock is identified if the fair value exceeds the ongoing market price.

Example 2022

Fair Value Revenue 2022 = Revenue per Share 2022 / Average PSR 2019 - 2021 (3 Years Smoothing)

Dividend-Based Fair Value

This value is determined by dividing the dividend per share by the average dividend yield of the selected past years for smoothing. A higher fair value than the market price indicates an undervalued stock.

Example 2022

Fair Value Dividend 2022 = Dividend per Share 2022 * Average Dividend Yield 2019 - 2021 (3 Years Smoothing)

Expectations and Forecasts

Future expectations provide potential trajectories for stock prices and aid investors in decision-making. The expected values are forecasted figures of fair value, taking into account the growth or decline trends of profit, revenue, or dividend.

Comparative Analysis

Comparing the fair value based on profit, revenue, and dividend provides a holistic overview of the stock’s financial health. Observing the annual and per-annual variations contributes to understanding the consistency and reliability of stock performance.

NMI Holdings historical P/E ratio, EBIT multiple, and P/S ratio

NMI Holdings shares outstanding

The number of shares was NMI Holdings in 2023 — This indicates how many shares 83.854 M is divided into. Since shareholders are the owners of a company, each share represents a small portion of the company's ownership.

  • 3 years

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Number of stocks
Details

Revenue, EBIT and Earnings per share

ⓘ

Revenue Per Share

Revenue per share represents the total revenue NMI Holdings earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates NMI Holdings's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of NMI Holdings’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating NMI Holdings's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

Unfortunately, there are currently no price targets and forecasts available for NMI Holdings.

NMI Holdings latest earnings and earnings surprises

DateEPS EstimateEPS ActualQuarterly report
6/30/20241.07 1.2  (12.25 %)2024 Q2
3/31/20241.01 1.08  (7.31 %)2024 Q1
12/31/20230.98 1.01  (3.48 %)2023 Q4
9/30/20230.94 1  (6.66 %)2023 Q3
6/30/20230.88 0.95  (8.08 %)2023 Q2
3/31/20230.84 0.88  (4.97 %)2023 Q1
12/31/20220.86 0.86  (0.39 %)2022 Q4
9/30/20220.82 0.9  (9.44 %)2022 Q3
6/30/20220.78 0.86  (10.54 %)2022 Q2
3/31/20220.75 0.77  (2.23 %)2022 Q1
1
2
3
4
...
5

Eulerpool ESG Scorecard© for the NMI Holdings stock

Eulerpool World ESG Rating (EESG©)

53/ 100

🌱 Environment

21

👫 Social

70

🏛️ Governance

69

Environment

Scope 1 - Direct Emissions
—
Scope 2 - Indirect emissions from purchased energy
102.2
Scope 3 - Indirect emissions within the value chain
—
Total CO₂ emissions
102.2
CO₂ reduction strategy
✅
Coal energy
❌
Nuclear power
❌
Animal experiments
❌
Fur & Leather
—
Pesticides
—
Palm Oil
—
Tobacco
❌
Genetically modified organisms
❌
Climate concept
—
Sustainable forestry
—
Recycling regulations
❌
Environmentally friendly packaging
❌
Hazardous substances
❌
Fuel consumption and efficiency
❌
Water consumption and efficiency
❌

Social

Percentage of female employees58
Percentage of women in management—
Percentage of Asian employees—
Share of Asian management—
Percentage of Hispanic/Latino employees—
Hispano/Latino Management share—
Percentage of Black employees—
Black Management Share—
Percentage of white employees—
White Management Share—
Adult content❌
Alcohol❌
Weapons—
Firearms
❌
Gambling❌
Military contracts❌
Human rights concept❌
Privacy concept—
Occupational health and safety✅
Catholic✅

Governance (Corporate Governance)

Environmental reporting✅
Stakeholder Engagement❌
Call Back Policies❌
Antitrust law❌

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NMI Holdings shareholders

%
Name
Stocks
Change
Date
8.51031 % The Vanguard Group, Inc.6,780,163225,36412/31/2023
5.87777 % Oaktree Capital Management, L.P.4,682,823-217,17712/31/2023
5.73286 % Dimensional Fund Advisors, L.P.4,567,369-7,00212/31/2023
4.33394 % State Street Global Advisors (US)3,452,852283,89312/31/2023
3.08063 % Van Berkom & Associates Inc.2,454,341-254,45612/31/2023
2.78396 % Macquarie Investment Management2,217,979-1,224,81912/31/2023
2.26167 % Geode Capital Management, L.L.C.1,801,87652,89012/31/2023
2.20864 % Frontier Capital Management Company, LLC1,759,624-226,62012/31/2023
2.11677 % River Road Asset Management, LLC1,686,429-17,01312/31/2023
15.60186 % BlackRock Institutional Trust Company, N.A.12,430,002372,95212/31/2023
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NMI Holdings Executives and Management Board

Mr. Adam Pollitzer44
NMI Holdings President, Chief Executive Officer, Director
Compensation 5.47 M
Mr. Ravi Mallela53
NMI Holdings Chief Financial Officer, Executive Vice President
Compensation 4.24 M
Mr. William Leatherberry52
NMI Holdings Executive Vice President, Chief Administrative Officer, General Counsel
Compensation 2.59 M
Mr. Bradley Shuster68
NMI Holdings Executive Chairman of the Board (since 2012)
Compensation 2.54 M
Mr. Robert Smith53
NMI Holdings Executive Vice President, Chief Risk Officer
Compensation 1.96 M
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NMI Holdings Supply Chain

NameRelationshipTwo-week correlationOne-month correlationThree-Month CorrelationSix-Month CorrelationOne Year CorrelationTwo-Year Correlation
Freddie Mac Stock
Freddie Mac
SupplierCustomer0,530,860,820,590,23-0,03
Fannie Mae Stock
Fannie Mae
SupplierCustomer0,400,810,760,550,21-0,03
1

Most common questions regarding NMI Holdings

What values and corporate philosophy does NMI Holdings represent?

NMI Holdings Inc represents a strong set of values and corporate philosophy. As a leading provider of private mortgage insurance, NMI Holdings is committed to excellence, integrity, and innovation. The company values customer focus, teamwork, and continuous improvement in all aspects of its operations. NMI Holdings prioritizes the success of its clients and partners by offering flexible and reliable mortgage insurance solutions. With a forward-thinking approach and a commitment to financial stability, NMI Holdings strives to protect homeownership and promote a sustainable housing market. The company's dedication to these core values makes NMI Holdings Inc a trusted and reputable player in the industry.

In which countries and regions is NMI Holdings primarily present?

NMI Holdings Inc is primarily present in the United States.

What significant milestones has the company NMI Holdings achieved?

NMI Holdings Inc has achieved significant milestones in its history. One notable achievement is that the company successfully completed its initial public offering (IPO) in November 2013. Another milestone for NMI Holdings Inc is its inclusion in the Russell 3000 Index, a stock index that measures the performance of the largest 3000 US publicly traded companies. Additionally, the company has consistently reported strong financial results and expanded its market presence since its inception. With a focus on providing mortgage insurance solutions, NMI Holdings Inc has established itself as a trusted and reputable player in the industry.

What is the history and background of the company NMI Holdings?

NMI Holdings Inc, also known as NMIH, is a prominent company specializing in mortgage insurance. Established in 2011, NMI Holdings Inc provides private mortgage insurance solutions for homebuyers, allowing them to secure affordable home loans with lower down payments. NMIH has rapidly grown to become a leading provider of mortgage insurance in the United States. Due to its strategic focus, innovative products, and dedicated customer service, NMIH has earned a strong reputation in the industry. The company continues to thrive, offering reliable mortgage insurance products to support homeownership and the stability of the housing market.

Who are the main competitors of NMI Holdings in the market?

The main competitors of NMI Holdings Inc in the market are MGIC Investment Corporation, Radian Group Inc, and Essent Group Ltd.

In which industries is NMI Holdings primarily active?

NMI Holdings Inc is primarily active in the mortgage insurance industry.

What is the business model of NMI Holdings?

NMI Holdings Inc operates as a mortgage insurance company. It offers private mortgage insurance on loans made by approved lenders to homebuyers, builders, and real estate investors. NMI Holdings Inc's business model revolves around providing risk mitigation solutions to lenders and investors in the U.S. housing finance market. By insuring mortgage loans, the company enables lenders to offer low down payment options to borrowers while protecting themselves against potential losses. NMI Holdings Inc plays a crucial role in facilitating the availability of affordable housing finance options, promoting homeownership, and supporting the stability of the housing market.

What is the P/E ratio of NMI Holdings 2024?

The NMI Holdings P/E ratio is 9.35.

What is the P/S ratio of NMI Holdings 2024?

The NMI Holdings P/S ratio is 5.82.

What is the AlleAktien quality score of NMI Holdings?

The AlleAktien quality score for NMI Holdings is 7/10.

What is the revenue of NMI Holdings 2024?

The expected NMI Holdings revenue is 593.13 M USD.

How high is the profit of NMI Holdings 2024?

The expected NMI Holdings profit is 369.44 M USD.

What is the business model of NMI Holdings

NMI Holdings Inc. is a US-based company operating in the insurance industry. The company offers a wide range of mortgage insurance products and operates in the United States. The company's business model is based on providing mortgage insurance products that protect buyers from losses if they are unable to repay their mortgages. NMI Holdings primarily offers products that cover mortgage insurance (MI) losses provided by both private and government mortgage insurance carriers (PMIs). The company prides itself on offering a new generation of mortgage insurance based on modern technologies, data analysis, and innovative risk assessment methods to increase buyer and lender protection. The company operates an insurance business closely linked to mortgage lending, providing private mortgage insurance (PMI), as well as conforming and jumbo mortgage guarantees. PMI protects lenders from losses if the borrower loses more than 80 percent of the value of their home and defaults. This can be advantageous as it allows lenders to accept loans from buyers at acceptable interest rates while providing a higher volume of loans. The company also offers a wider range of mortgage insurance products, such as conforming and jumbo mortgage guarantees, and provides protection solutions for lenders and borrowers. NMI Holdings' protection solutions include mortgage protection insurance, which allows borrowers to continue making their loan payments when they experience unforeseen events that impair their ability to make payments. The company also offers protection solutions for lenders, including its newly introduced product offering, Bootstrapper, specifically designed to meet the needs of lenders. Bootstrapper provides the ability to assess the borrower's ability to fulfill credit obligations and also assists customers in avoiding late payments. NMI Holdings utilizes state-of-the-art technologies, data analysis methods, and risk assessment software to remain competitive in a fast-paced market. The company operates an online platform that facilitates insurance contract completion and operational processes. NMI Holdings has also developed its Java-based risk assessment and valuation process behind the platform, allowing the company to quickly and accurately assess risks and make mortgage insurance decisions. In summary, NMI Holdings' business model relies on an extensive range of mortgage insurance products based on state-of-the-art technologies, data analysis, and innovative risk assessment methods. The company specializes in providing protection solutions for borrowers, lenders, and other interested parties, maintaining various product lines and specializations in this area. It utilizes an online platform and specially developed risk assessment software to remain competitive in a fast-paced market.

What is the NMI Holdings dividend?

NMI Holdings pays a dividend of 0 USD distributed over payouts per year.

How often does NMI Holdings pay dividends?

The dividend cannot currently be calculated for NMI Holdings or the company does not pay out a dividend.

What is the NMI Holdings ISIN?

The ISIN of NMI Holdings is US6292093050.

What is the NMI Holdings WKN?

The WKN of NMI Holdings is A1W8UB.

What is the NMI Holdings ticker?

The ticker of NMI Holdings is NMIH.

How much dividend does NMI Holdings pay?

Over the past 12 months, NMI Holdings paid a dividend of . This corresponds to a dividend yield of about . For the coming 12 months, NMI Holdings is expected to pay a dividend of 0 USD.

What is the dividend yield of NMI Holdings?

The current dividend yield of NMI Holdings is .

When does NMI Holdings pay dividends?

NMI Holdings pays a quarterly dividend. This is distributed in the months of .

How secure is the dividend of NMI Holdings?

NMI Holdings paid dividends every year for the past 0 years.

What is the dividend of NMI Holdings?

For the upcoming 12 months, dividends amounting to 0 USD are expected. This corresponds to a dividend yield of 0 %.

In which sector is NMI Holdings located?

NMI Holdings is assigned to the 'Finance' sector.

Wann musste ich die Aktien von NMI Holdings kaufen, um die vorherige Dividende zu erhalten?

To receive the latest dividend of NMI Holdings from 10/1/2024 amounting to 0 USD, you needed to have the stock in your portfolio before the ex-date on 10/1/2024.

When did NMI Holdings pay the last dividend?

The last dividend was paid out on 10/1/2024.

What was the dividend of NMI Holdings in the year 2023?

In the year 2023, NMI Holdings distributed 0 USD as dividends.

In which currency does NMI Holdings pay out the dividend?

The dividends of NMI Holdings are distributed in USD.

All fundamentals about NMI Holdings

Our stock analysis for NMI Holdings Revenue stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of NMI Holdings Revenue. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.