NMI Holdings, Inc. (NMIH)Financial Services | Insurance - Specialty | EmeryVille, United States | NasdaqGM
39.70 USD
+0.14
(0.354%)
⇧
(Oct. 14, 2026, 4 p.m.
EDT)
After hours: 39.70 |
Hot Take ↕ | Oct. 10, 2026, 2:11 a.m. EDT
The long-term outlook remains solid, driven by exceptional profitability metrics including a 54% profit margin and a 15% return on equity, alongside a manageable debt-to-equity ratio of 15.7x. Despite a recent annual price decline, the business fundamentals are robust, and the forward P/E of 7.2x suggests the market is pricing in temporary headwinds rather than structural failure. However, the short-term picture is clouded by weak momentum and a distinct lack of dividend income, which caps the total return potential for income-focused investors. The options market confirms this hesitation, with traders placing heavy bets on downside protection while avoiding aggressive upside exposure. While the valuation is attractive relative to peers, the absence of a dividend yield and the recent price weakness suggest a wait-and-see approach is prudent until the stock stabilizes above its moving averages. |
| Model | MAE |
|---|---|
| MSTL ✓ | 0.035660 |
| AutoETS | 0.037378 |
| AutoTheta | 0.064222 |
| AutoARIMA | 0.084575 |
Forecast horizon: 45 days | Selected: MSTL
| Forecast Reliability | |
|---|---|
| Score | 43% |
| H-stat | 4.58 |
| Ljung-Box p | 0.000 |
| Jarque-Bera p | 0.000 |
| Excess Kurtosis | 2.54 |
| Attribute | Value |
|---|---|
| Sector | Financial Services |
| Debt to Equity Ratio | 15.753 |
| Revenue per Share | 9.551 |
| Market Cap | 2,986,148,608 |
| Trailing P/E | 7.78 |
| Forward P/E | 7.22 |
| Beta | 0.56 |
| Profit Margins | 54.10% |
| Website | https://www.nationalmi.com |
As of Oct. 10, 2026, 2:11 a.m. EDT: Speculators are positioning defensively with heavy out-of-the-money put volume at the December expiration, creating a significant wall of resistance at the $35 strike. This suggests a fear of a downside gap or a 'floor' test. Conversely, call interest is sparse and concentrated at lower strikes, indicating a lack of aggressive bullish conviction despite the stock trading near its 200-day average.
| Attribute | Value |
|---|---|
| 52 Week Change | 0.10554159 |
| Address1 | 2,100 Powell Street |
| Address2 | 12th Floor |
| All Time High | 46.74 |
| All Time Low | 4.19 |
| Ask | 51.17 |
| Ask Size | 1 |
| Audit Risk | 1 |
| Average Analyst Rating | 1.9 - Buy |
| Average Daily Volume10 Day | 809,180 |
| Average Daily Volume3 Month | 577,601 |
| Average Volume | 577,601 |
| Average Volume10Days | 809,180 |
| Beta | 0.563 |
| Bid | 38.59 |
| Bid Size | 1 |
| Board Risk | 3 |
| Book Value | 35.893 |
| City | EmeryVille |
| Compensation As Of Epoch Date | 1,767,139,200 |
| Compensation Risk | 2 |
| Country | United States |
| Crypto Tradeable | 0 |
| Currency | USD |
| Current Price | 39.7 |
| Current Ratio | 2.029 |
| Custom Price Alert Confidence | HIGH |
| Date Short Interest | 1,790,726,400 |
| Day High | 39.72 |
| Day Low | 38.69 |
| Debt To Equity | 15.753 |
| Display Name | NMI |
| Dividend Yield | 0.0 |
| Earnings Call Timestamp End | 1,793,916,000 |
| Earnings Call Timestamp Start | 1,793,916,000 |
| Earnings Growth | 0.141 |
| Earnings Quarterly Growth | 0.1 |
| Earnings Timestamp | 1,793,908,800 |
| Earnings Timestamp End | 1,793,908,800 |
| Earnings Timestamp Start | 1,793,908,800 |
| Ebitda | 545,692,992 |
| Ebitda Margins | 0.74672997 |
| Enterprise To Ebitda | 5.958 |
| Enterprise To Revenue | 4.449 |
| Enterprise Value | 3,251,031,808 |
| Eps Current Year | 5.26815 |
| Eps Forward | 5.5017 |
| Eps Trailing Twelve Months | 5.1 |
| Esg Populated | 0 |
| Exchange | NGM |
| Exchange Data Delayed By | 15 |
| Exchange Timezone Name | America/New_York |
| Exchange Timezone Short Name | EDT |
| Fifty Day Average | 43.0375 |
| Fifty Day Average Change | -3.3374977 |
| Fifty Day Average Change Percent | -0.0775486 |
| Fifty Two Week Change Percent | 10.554159 |
| Fifty Two Week High | 46.74 |
| Fifty Two Week High Change | -7.040001 |
| Fifty Two Week High Change Percent | -0.15062046 |
| Fifty Two Week Low | 34.84 |
| Fifty Two Week Low Change | 4.8600006 |
| Fifty Two Week Low Change Percent | 0.13949485 |
| Fifty Two Week Range | 34.84 - 46.74 |
| Financial Currency | USD |
| First Trade Date Milliseconds | 1,383,921,000,000 |
| Float Shares | 73,909,060 |
| Forward Eps | 5.5017 |
| Forward P E | 7.2159514 |
| Free Cashflow | 329,759,616 |
| Full Exchange Name | NasdaqGM |
| Full Time Employees | 225 |
| Fullday Change | 0.13999939 |
| Fullday Change Percent | 0.35389125 |
| Fullday Price | 39.7 |
| Gmt Off Set Milliseconds | -14,400,000 |
| Governance Epoch Date | 1,790,812,800 |
| Gross Margins | 0.76384 |
| Gross Profits | 558,196,992 |
| Has Pre Post Market Data | 1 |
| Held Percent Insiders | 0.015829999 |
| Held Percent Institutions | 1.01442 |
| Implied Shares Outstanding | 75,217,851 |
| Industry | Insurance - Specialty |
| Industry Disp | Insurance - Specialty |
| Industry Key | insurance-specialty |
| Is Earnings Date Estimate | 0 |
| Language | en-US |
| Last Fiscal Year End | 1,767,139,200 |
| Long Business Summary | NMI Holdings, Inc., together with its subsidiaries, provides private mortgage guaranty insurance services in the United States. It provides primary mortgage insurance services; and outsourced loan review services to mortgage loan originators. The company serves national and regional mortgage banks, money center banks, credit unions, community banks, builder-owned mortgage lenders, internet-sourced lenders, and other non-bank lenders. NMI Holdings, Inc. was incorporated in 2011 and is headquartered in Emeryville, California. |
| Long Name | NMI Holdings, Inc. |
| Market | us_market |
| Market Cap | 2,986,148,608 |
| Market State | PREPRE |
| Max Age | 86,400 |
| Message Board Id | finmb_204777589 |
| Most Recent Quarter | 1,782,777,600 |
| Net Income To Common | 395,334,016 |
| Next Fiscal Year End | 1,798,675,200 |
| Non Diluted Market Cap | 3,170,432,419 |
| Number Of Analyst Opinions | 7 |
| Open | 39.16 |
| Operating Cashflow | 448,512,992 |
| Operating Margins | 0.76672995 |
| Overall Risk | 3 |
| Payout Ratio | 0.0 |
| Phone | 855 530 6642 |
| Post Market Change | 0.0 |
| Post Market Change Percent | 0.0 |
| Post Market Price | 39.7 |
| Post Market Time | 1,792,008,054 |
| Previous Close | 39.56 |
| Price Eps Current Year | 7.5358524 |
| Price Hint | 2 |
| Price To Book | 1.1060653 |
| Price To Sales Trailing12 Months | 4.0862427 |
| Profit Margins | 0.54097 |
| Quick Ratio | 0.699 |
| Quote Source Name | Nasdaq Real Time Price |
| Quote Type | EQUITY |
| Recommendation Key | buy |
| Recommendation Mean | 1.85714 |
| Region | US |
| Regular Market Change | 0.139999 |
| Regular Market Change Percent | 0.353891 |
| Regular Market Day High | 39.72 |
| Regular Market Day Low | 38.69 |
| Regular Market Day Range | 38.69 - 39.72 |
| Regular Market Open | 39.16 |
| Regular Market Previous Close | 39.56 |
| Regular Market Price | 39.7 |
| Regular Market Time | 1,792,008,000 |
| Regular Market Volume | 685,848 |
| Return On Assets | 0.08816 |
| Return On Equity | 0.15427 |
| Revenue Growth | 0.081 |
| Revenue Per Share | 9.551 |
| Sand P52 Week Change | 0.1570785 |
| Sector | Financial Services |
| Sector Disp | Financial Services |
| Sector Key | financial-services |
| Share Holder Rights Risk | 7 |
| Shares Outstanding | 75,217,851 |
| Shares Percent Shares Out | 0.0293 |
| Shares Short | 2,201,779 |
| Shares Short Previous Month Date | 1,788,134,400 |
| Shares Short Prior Month | 1,818,100 |
| Short Name | NMI Holdings Inc |
| Short Percent Of Float | 0.0358 |
| Short Ratio | 3.31 |
| Source Interval | 15 |
| State | CA |
| Symbol | NMIH |
| Target High Price | 54.0 |
| Target Low Price | 43.0 |
| Target Mean Price | 49.14286 |
| Target Median Price | 51.0 |
| Total Cash | 161,263,008 |
| Total Cash Per Share | 2.144 |
| Total Debt | 426,145,984 |
| Total Revenue | 730,780,992 |
| Tradeable | 0 |
| Trailing Annual Dividend Rate | 0.0 |
| Trailing Annual Dividend Yield | 0.0 |
| Trailing Eps | 5.1 |
| Trailing P E | 7.784314 |
| Trailing Peg Ratio | None |
| Triggerable | 1 |
| Two Hundred Day Average | 40.1262 |
| Two Hundred Day Average Change | -0.42620087 |
| Two Hundred Day Average Change Percent | -0.01062151 |
| Type Disp | Equity |
| Volume | 685,848 |
| Website | https://www.nationalmi.com |
| Zip | 94,608 |