NMI Holdings Liabilities 2024

NMI Holdings Aktienanalyse

What does NMI Holdings do?

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 ist eines der beliebtesten Unternehmen auf Eulerpool.com.

Liabilities Details

Assessing NMI Holdings's Liabilities

NMI Holdings's liabilities constitute the company's financial obligations and debts owed to external parties and stakeholders. They are categorized into current liabilities, due within a year, and long-term liabilities, which are due over a longer period. A detailed assessment of these liabilities is crucial for evaluating NMI Holdings's financial stability, operational efficiency, and long-term viability.

Year-to-Year Comparison

By comparing NMI Holdings's liabilities year-over-year, investors can identify trends, shifts, and anomalies in the company’s financial positioning. A decrease in total liabilities often signals financial strengthening, while an increase might indicate enhanced investments, acquisitions, or potential financial strain.

Impact on Investments

NMI Holdings's total liabilities play a significant role in determining the company's leverage and risk profile. Investors and analysts examine this aspect meticulously to ascertain the firm’s ability to meet its financial obligations, which influences investment attractiveness and credit ratings.

Interpreting Liability Fluctuations

Shifts in NMI Holdings’s liability structure indicate changes in its financial management and strategy. A reduction in liabilities reflects efficient financial management or debt payoffs, while an increase may suggest expansion, acquisition activities, or accruing operational expenses, each carrying distinct implications for investors.

Frequently Asked Questions about NMI Holdings stock

What is the level of liabilities of NMI Holdings this year?

NMI Holdings has a debt balance of 1.01 B USD this year.

What were the liabilities of NMI Holdings compared to the previous year?

The liabilities of NMI Holdings have increased by 12.44% increased compared to the previous year.

What are the consequences of high debt for investors of NMI Holdings?

High liabilities can pose a risk for investors of NMI Holdings, as they can weaken the company's financial position and impair its ability to meet its obligations.

What consequences do low liabilities have for investors in NMI Holdings?

Low liabilities mean that NMI Holdings has a strong financial position and is able to meet its obligations without overburdening its finances.

How does an increase in liabilities of NMI Holdings affect the company?

An increase in liabilities of NMI Holdings can lead to the company having more obligations and potentially find it more difficult to meet its financial commitments.

How does a reduction in the liabilities of NMI Holdings affect the company?

A decrease in the liabilities of NMI Holdings can lead to the company having fewer obligations and a stronger financial position, which can make it easier for the company to fulfill its financial commitments.

What are some factors that influence the liabilities of NMI Holdings?

Some factors that can influence the liabilities of NMI Holdings include investments, acquisitions, operating costs, and sales development.

Why is the level of liabilities of NMI Holdings so important for investors?

The liabilities of NMI Holdings are important for investors as they serve as an indicator of the company's financial stability and provide investors with information on how the company meets its financial obligations.

What strategic measures can NMI Holdings take to modify the liabilities?

To change its liabilities, NMI Holdings can take measures such as cost savings, increasing revenue, selling assets, raising investments, or forming partnerships. It is important for the company to conduct a thorough review of its financial situation to choose the best strategic actions.

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 10/4/2024 amounting to 0 USD, you needed to have the stock in your portfolio before the ex-date on 10/4/2024.

When did NMI Holdings pay the last dividend?

The last dividend was paid out on 10/4/2024.

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.