NMI Holdings, Inc. (NMIH)Financial Services | Insurance - Specialty | EmeryVille, United States | NasdaqGM
39.99 USD
+1.16
(2.987%)
⇧
(April 17, 2026, 4 p.m.
EDT)
After hours: 39.99 +0.00 (0.004%) ⇧ (April 17, 2026, 5:48 p.m. EDT) Short-term: ★★★☆☆ | Long-term: ★★★★☆ | Dividends: ★★☆☆☆ |
Hot Take | April 18, 2026, 10:37 p.m. EDT
NMIH is a solid defensive insurance play trading like a bond proxy, offering reasonable forward growth and low volatility, but it is currently capped by a deteriorating loss ratio environment that prevents explosive upside. Investors should view this as a steady accumulation for value rather than an aggressive swing trade. |
| Model | MAE |
|---|---|
| MSTL ✓ | 0.025965 |
| AutoETS | 0.026709 |
| AutoARIMA | 0.026709 |
| AutoTheta | 0.026975 |
Forecast horizon: 45 days | Selected: MSTL
| Forecast Reliability | |
|---|---|
| Score | 80% |
| H-stat | 0.33 |
| Ljung-Box p | 0.000 |
| Jarque-Bera p | 0.483 |
| Excess Kurtosis | -0.77 |
| Attribute | Value |
|---|---|
| Sector | Financial Services |
| Debt to Equity Ratio | 16.417 |
| Revenue per Share | 9.101 |
| Market Cap | 3,045,493,248 |
| Trailing P/E | 8.13 |
| Forward P/E | 7.28 |
| Beta | 0.64 |
| Profit Margins | 55.05% |
| Website | https://www.nationalmi.com |
As of April 18, 2026, 10:37 p.m. EDT: Options data reveals a muted and conflicted sentiment. Call activity is negligible with strikingly low implied volatility (0.54% for near-term), indicating near-absence of bullish momentum. Conversely, sell-side activity presents a mixed picture: while there are notable put volume blocks at the 35 strike, there is also significant unusual call flow (23 lots vs 5 OI) at the 40 strike for the long-dated September expiration, suggesting speculative interest in upside moves despite the current consolidation. Overall, the market is pricing in very low uncertainty (low IV) with mild defensive positioning.
| Attribute | Value |
|---|---|
| 52 Week Change | 0.20961893 |
| Address1 | 2,100 Powell Street |
| Address2 | 12th Floor |
| All Time High | 43.2 |
| All Time Low | 4.19 |
| Ask | 40.03 |
| Ask Size | 2 |
| Audit Risk | 1 |
| Average Analyst Rating | 1.9 - Buy |
| Average Daily Volume10 Day | 365,180 |
| Average Daily Volume3 Month | 463,580 |
| Average Volume | 463,580 |
| Average Volume10Days | 365,180 |
| Beta | 0.643 |
| Bid | 39.96 |
| Bid Size | 2 |
| Board Risk | 4 |
| Book Value | 33.978 |
| City | EmeryVille |
| Compensation As Of Epoch Date | 1,767,139,200 |
| Compensation Risk | 3 |
| Country | United States |
| Crypto Tradeable | 0 |
| Currency | USD |
| Current Price | 39.99 |
| Current Ratio | 1.969 |
| Custom Price Alert Confidence | HIGH |
| Date Short Interest | 1,774,915,200 |
| Day High | 40.31 |
| Day Low | 39.1 |
| Debt To Equity | 16.417 |
| Display Name | NMI |
| Earnings Call Timestamp End | 1,777,582,800 |
| Earnings Call Timestamp Start | 1,777,582,800 |
| Earnings Growth | 0.121 |
| Earnings Quarterly Growth | 0.093 |
| Earnings Timestamp | 1,777,579,200 |
| Earnings Timestamp End | 1,777,579,200 |
| Earnings Timestamp Start | 1,777,579,200 |
| Ebitda | 539,542,016 |
| Ebitda Margins | 0.76375 |
| Enterprise To Ebitda | 6.182 |
| Enterprise To Revenue | 4.722 |
| Enterprise Value | 3,335,526,656 |
| Eps Current Year | 5.13631 |
| Eps Forward | 5.49434 |
| 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 | 38.6354 |
| Fifty Day Average Change | 1.3546028 |
| Fifty Day Average Change Percent | 0.035061184 |
| Fifty Two Week Change Percent | 20.961893 |
| Fifty Two Week High | 43.2 |
| Fifty Two Week High Change | -3.209999 |
| Fifty Two Week High Change Percent | -0.074305534 |
| Fifty Two Week Low | 32.71 |
| Fifty Two Week Low Change | 7.2800026 |
| Fifty Two Week Low Change Percent | 0.222562 |
| Fifty Two Week Range | 32.71 - 43.2 |
| Financial Currency | USD |
| First Trade Date Milliseconds | 1,383,921,000,000 |
| Float Shares | 74,645,792 |
| Forward Eps | 5.49434 |
| Forward P E | 7.2783995 |
| Free Cashflow | 267,058,496 |
| Full Exchange Name | NasdaqGM |
| Full Time Employees | 225 |
| Gmt Off Set Milliseconds | -14,400,000 |
| Governance Epoch Date | 1,775,001,600 |
| Gross Margins | 0.78021 |
| Gross Profits | 551,172,992 |
| Has Pre Post Market Data | 1 |
| Held Percent Insiders | 0.01753 |
| Held Percent Institutions | 0.99669 |
| Implied Shares Outstanding | 76,156,368 |
| 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 | 3,045,493,248 |
| Market State | CLOSED |
| Max Age | 86,400 |
| Message Board Id | finmb_204777589 |
| Most Recent Quarter | 1,767,139,200 |
| Net Income To Common | 388,926,016 |
| Next Fiscal Year End | 1,798,675,200 |
| Non Diluted Market Cap | 3,045,493,156 |
| Number Of Analyst Opinions | 7 |
| Open | 39.1 |
| Operating Cashflow | 419,299,008 |
| Operating Margins | 0.70978 |
| Overall Risk | 4 |
| Payout Ratio | 0.0 |
| Phone | 855 530 6642 |
| Post Market Change | 0.0017967224 |
| Post Market Change Percent | 0.004492929 |
| Post Market Price | 39.9918 |
| Post Market Time | 1,776,462,489 |
| Previous Close | 38.83 |
| Price Eps Current Year | 7.785745 |
| Price Hint | 2 |
| Price To Book | 1.176938 |
| Price To Sales Trailing12 Months | 4.3110433 |
| Profit Margins | 0.55054003 |
| Quick Ratio | 0.625 |
| Quote Source Name | Nasdaq Real Time Price |
| Quote Type | EQUITY |
| Recommendation Key | buy |
| Recommendation Mean | 1.85714 |
| Region | US |
| Regular Market Change | 1.16 |
| Regular Market Change Percent | 2.98738 |
| Regular Market Day High | 40.31 |
| Regular Market Day Low | 39.1 |
| Regular Market Day Range | 39.1 - 40.31 |
| Regular Market Open | 39.1 |
| Regular Market Previous Close | 38.83 |
| Regular Market Price | 39.99 |
| Regular Market Time | 1,776,456,000 |
| Regular Market Volume | 330,701 |
| Return On Assets | 0.09182999 |
| Return On Equity | 0.16174 |
| Revenue Growth | 0.085 |
| Revenue Per Share | 9.101 |
| Sand P52 Week Change | 0.38150132 |
| Sector | Financial Services |
| Sector Disp | Financial Services |
| Sector Key | financial-services |
| Share Holder Rights Risk | 7 |
| Shares Outstanding | 76,156,368 |
| Shares Percent Shares Out | 0.0247 |
| Shares Short | 1,880,846 |
| Shares Short Previous Month Date | 1,772,150,400 |
| Shares Short Prior Month | 1,919,644 |
| Short Name | NMI Holdings Inc |
| Short Percent Of Float | 0.0301 |
| Short Ratio | 4.01 |
| Source Interval | 15 |
| State | CA |
| Symbol | NMIH |
| Target High Price | 50.0 |
| Target Low Price | 42.0 |
| Target Mean Price | 46.28571 |
| Target Median Price | 47.0 |
| Total Cash | 130,556,000 |
| Total Cash Per Share | 1.717 |
| Total Debt | 425,537,984 |
| Total Revenue | 706,440,000 |
| Tradeable | 0 |
| Trailing Annual Dividend Rate | 0.0 |
| Trailing Annual Dividend Yield | 0.0 |
| Trailing Eps | 4.92 |
| Trailing P E | 8.128049 |
| Trailing Peg Ratio | None |
| Triggerable | 1 |
| Two Hundred Day Average | 38.530426 |
| Two Hundred Day Average Change | 1.4595757 |
| Two Hundred Day Average Change Percent | 0.037881117 |
| Type Disp | Equity |
| Volume | 330,701 |
| Website | https://www.nationalmi.com |
| Zip | 94,608 |