NMI Holdings, Inc. (NMIH)Financial Services | Insurance - Specialty | EmeryVille, United States | NasdaqGM
41.53 USD
+0.37
(0.899%)
⇧
(July 13, 2026, 4 p.m.
EDT)
|
Hot Take ↕ | July 11, 2026, 4:26 a.m. EDT
The long-term investment case remains exceptionally strong, driven by a fortress-like balance sheet, robust profitability margins exceeding 70%, and a nearly decade-long price trajectory showing massive appreciation without recent structural decline. The business demonstrates sustainable growth with healthy revenue expansion and a return on equity of 15.6%, justifying a premium valuation despite the low P/E ratio. However, the short-term outlook faces headwinds; the statistical forecasting model predicts a modest downside drift over the next 45 days, and options flow confirms this skepticism with notable put buying at lower strikes. This creates a classic 'hold' scenario where the underlying asset quality is elite, but immediate price action may lag due to technical consolidation or sector rotation. |
| Model | MAE |
|---|---|
| AutoARIMA ✓ | 0.091997 |
| AutoETS | 0.091997 |
| AutoTheta | 0.092339 |
| MSTL | 0.094252 |
Forecast horizon: 45 days | Selected: AutoARIMA
| Forecast Reliability | |
|---|---|
| Score | 62% |
| H-stat | 0.71 |
| Ljung-Box p | 0.000 |
| Jarque-Bera p | 0.162 |
| Excess Kurtosis | -0.15 |
| Attribute | Value |
|---|---|
| Sector | Financial Services |
| Debt to Equity Ratio | 16.168 |
| Revenue per Share | 9.299 |
| Market Cap | 3,155,112,448 |
| Trailing P/E | 8.44 |
| Forward P/E | 7.75 |
| Beta | 0.54 |
| Profit Margins | 53.82% |
| Website | https://www.nationalmi.com |
As of July 11, 2026, 4:26 a.m. EDT: Speculators are positioning defensively with heavy out-of-the-money put volume at the $30 strike for September expiration, suggesting a fear of a significant drop below current levels. Conversely, call activity is sparse and concentrated near the money, indicating a lack of aggressive bullish conviction despite the stock trading near its 52-week highs.
| Attribute | Value |
|---|---|
| 52 Week Change | 0.07805133 |
| Address1 | 2,100 Powell Street |
| Address2 | 12th Floor |
| All Time High | 43.2 |
| All Time Low | 4.19 |
| Ask | 47.1 |
| Ask Size | 1 |
| Audit Risk | 1 |
| Average Analyst Rating | 1.8 - Buy |
| Average Daily Volume10 Day | 743,070 |
| Average Daily Volume3 Month | 580,149 |
| Average Volume | 580,149 |
| Average Volume10Days | 743,070 |
| Beta | 0.539 |
| Bid | 35.72 |
| Bid Size | 1 |
| Board Risk | 4 |
| Book Value | 34.569 |
| City | EmeryVille |
| Compensation As Of Epoch Date | 1,767,139,200 |
| Compensation Risk | 2 |
| Country | United States |
| Crypto Tradeable | 0 |
| Currency | USD |
| Current Price | 41.53 |
| Current Ratio | 1.814 |
| Custom Price Alert Confidence | HIGH |
| Date Short Interest | 1,782,777,600 |
| Day High | 41.79 |
| Day Low | 40.875 |
| Debt To Equity | 16.168 |
| Display Name | NMI |
| Earnings Call Timestamp End | 1,785,441,600 |
| Earnings Call Timestamp Start | 1,785,441,600 |
| Earnings Growth | 0.0 |
| Earnings Quarterly Growth | -0.031 |
| Earnings Timestamp | 1,785,441,600 |
| Earnings Timestamp End | 1,785,441,600 |
| Earnings Timestamp Start | 1,785,441,600 |
| Ebitda | 532,710,016 |
| Ebitda Margins | 0.74331003 |
| Enterprise To Ebitda | 6.541 |
| Enterprise To Revenue | 4.862 |
| Enterprise Value | 3,484,657,664 |
| Eps Current Year | 5.12777 |
| Eps Forward | 5.36181 |
| Eps Trailing Twelve Months | 4.92 |
| Esg Populated | 0 |
| Exchange | NGM |
| Exchange Data Delayed By | 0 |
| Exchange Timezone Name | America/New_York |
| Exchange Timezone Short Name | EDT |
| Fifty Day Average | 38.1946 |
| Fifty Day Average Change | 3.3353996 |
| Fifty Day Average Change Percent | 0.087326474 |
| Fifty Two Week Change Percent | 7.805133 |
| Fifty Two Week High | 42.28 |
| Fifty Two Week High Change | -0.75 |
| Fifty Two Week High Change Percent | -0.017738884 |
| Fifty Two Week Low | 34.84 |
| Fifty Two Week Low Change | 6.6899986 |
| Fifty Two Week Low Change Percent | 0.19202062 |
| Fifty Two Week Range | 34.84 - 42.28 |
| Financial Currency | USD |
| First Trade Date Milliseconds | 1,383,921,000,000 |
| Float Shares | 74,526,906 |
| Forward Eps | 5.36181 |
| Forward P E | 7.745518 |
| Free Cashflow | 313,044,992 |
| Full Exchange Name | NasdaqGM |
| Full Time Employees | 225 |
| Gmt Off Set Milliseconds | -14,400,000 |
| Governance Epoch Date | 1,782,864,000 |
| Gross Margins | 0.76014 |
| Gross Profits | 544,771,008 |
| Has Pre Post Market Data | 1 |
| Held Percent Insiders | 0.01745 |
| Held Percent Institutions | 1.0005001 |
| Implied Shares Outstanding | 75,971,891 |
| 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 | 3,155,112,448 |
| Market State | PRE |
| Max Age | 86,400 |
| Message Board Id | finmb_204777589 |
| Most Recent Quarter | 1,774,915,200 |
| Net Income To Common | 385,696,992 |
| Next Fiscal Year End | 1,798,675,200 |
| Non Diluted Market Cap | 3,155,112,633 |
| Number Of Analyst Opinions | 6 |
| Open | 41.31 |
| Operating Cashflow | 434,239,008 |
| Operating Margins | 0.71973 |
| Overall Risk | 3 |
| Payout Ratio | 0.0 |
| Phone | 855 530 6642 |
| Previous Close | 41.16 |
| Price Eps Current Year | 8.099037 |
| Price Hint | 2 |
| Price To Book | 1.2013654 |
| Price To Sales Trailing12 Months | 4.402468 |
| Profit Margins | 0.53818 |
| Quick Ratio | 0.509 |
| Quote Source Name | Nasdaq Real Time Price |
| Quote Type | EQUITY |
| Recommendation Key | buy |
| Recommendation Mean | 1.83333 |
| Region | US |
| Regular Market Change | 0.369999 |
| Regular Market Change Percent | 0.898928 |
| Regular Market Day High | 41.79 |
| Regular Market Day Low | 40.875 |
| Regular Market Day Range | 40.875 - 41.79 |
| Regular Market Open | 41.31 |
| Regular Market Previous Close | 41.16 |
| Regular Market Price | 41.53 |
| Regular Market Time | 1,783,972,801 |
| Regular Market Volume | 376,964 |
| Return On Assets | 0.08856 |
| Return On Equity | 0.15571 |
| Revenue Growth | 0.059 |
| Revenue Per Share | 9.299 |
| Sand P52 Week Change | 0.20847368 |
| Sector | Financial Services |
| Sector Disp | Financial Services |
| Sector Key | financial-services |
| Share Holder Rights Risk | 7 |
| Shares Outstanding | 75,971,891 |
| Shares Percent Shares Out | 0.028499998 |
| Shares Short | 2,162,844 |
| Shares Short Previous Month Date | 1,780,012,800 |
| Shares Short Prior Month | 1,814,662 |
| Short Name | NMI Holdings Inc |
| Short Percent Of Float | 0.0348 |
| Short Ratio | 3.08 |
| Source Interval | 15 |
| State | CA |
| Symbol | NMIH |
| Target High Price | 49.0 |
| Target Low Price | 43.0 |
| Target Mean Price | 47.0 |
| Target Median Price | 47.5 |
| Total Cash | 96,063,000 |
| Total Cash Per Share | 1.264 |
| Total Debt | 425,608,000 |
| Total Revenue | 716,668,992 |
| Tradeable | 0 |
| Trailing Annual Dividend Rate | 0.0 |
| Trailing Annual Dividend Yield | 0.0 |
| Trailing Eps | 4.92 |
| Trailing P E | 8.441056 |
| Trailing Peg Ratio | None |
| Triggerable | 1 |
| Two Hundred Day Average | 38.3729 |
| Two Hundred Day Average Change | 3.1571007 |
| Two Hundred Day Average Change Percent | 0.08227423 |
| Type Disp | Equity |
| Volume | 376,964 |
| Website | https://www.nationalmi.com |
| Zip | 94,608 |