NMI Holdings Financials
NMIH Stock | USD 39.13 0.58 1.50% |
Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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Current Ratio | 7.24 | 7.62 |
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The essential information of the day-to-day investment outlook for NMI Holdings includes many different criteria found on its balance sheet. An individual investor should monitor NMI Holdings' cash flow, debt, and profitability to accurately make informed decisions on whether to invest in NMI Holdings.
Net Income |
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NMI | Select Account or Indicator |
NMI Holdings Stock Summary
NMI Holdings competes with MGIC Investment, Employers Holdings, James River, ICC Holdings, and AMERISAFE. NMI Holdings, Inc. provides private mortgage guaranty insurance services in the United States. NMI Holdings, Inc. was incorporated in 2011 and is headquartered in Emeryville, California. Nmi Holdings operates under InsuranceSpecialty classification in the United States and is traded on NASDAQ Exchange. It employs 246 people.Specialization | Financial Services, Insurance - Specialty |
Instrument | USA Stock View All |
Exchange | NASDAQ Exchange |
ISIN | US6292093050 |
CUSIP | 629209305 |
Location | California; U.S.A |
Business Address | 2100 Powell Street, |
Sector | Financial Services |
Industry | Financials |
Benchmark | Dow Jones Industrial |
Website | www.nationalmi.com |
Phone | 855 530 6642 |
Currency | USD - US Dollar |
NMI Holdings Key Financial Ratios
Return On Equity | 0.18 | ||||
Profit Margin | 0.56 % | ||||
Operating Margin | 0.76 % | ||||
Price To Sales | 4.87 X | ||||
Revenue | 579 M |
NMI Holdings Key Balance Sheet Accounts
2020 | 2021 | 2022 | 2023 | 2024 | 2025 (projected) | ||
Total Assets | 2.2B | 2.5B | 2.5B | 3.0B | 3.4B | 3.6B | |
Net Debt | 271.9M | 321.1M | 353.8M | 312.3M | 359.2M | 377.1M | |
Retained Earnings | 377.0M | 608.1M | 901.0M | 1.2B | 1.4B | 1.5B | |
Accounts Payable | 61.7M | 72M | 74.6M | 86.2M | 99.1M | 104.1M | |
Cash | 121.4M | 73.5M | 42.3M | 96.7M | 87.0M | 71.8M | |
Other Assets | (1.7B) | (1.9B) | 368.6M | 1.0 | 0.9 | 0.95 | |
Other Current Assets | 294.2M | 323.8M | 861.9M | 617.9M | 710.6M | 746.2M | |
Total Liab | 505.9M | 558.8M | 902.3M | 1.0B | 1.2B | 1.3B | |
Total Current Assets | 2.0B | 2.2B | 2.1B | 617.9M | 710.6M | 1.0B | |
Short Term Debt | 1.5M | 4.0M | 2.6M | 2.6M | 2.3M | 2.2M | |
Common Stock | 852K | 858K | 865K | 873K | 1.0M | 702.2K | |
Other Liab | 66.6M | 124.0M | 169.8M | 194.0M | 223.1M | 234.3M | |
Intangible Assets | 33.3M | 35.7M | 35.6M | 390K | 448.5K | 426.1K | |
Other Current Liab | 13.7M | 13.7M | (154.4M) | 10.3M | 9.2M | 8.8M | |
Long Term Debt | 402.0M | 394.6M | 396.1M | 397.6M | 457.2M | 232.9M | |
Net Receivables | 67.4M | 80.7M | 91.3M | 104.0M | 119.6M | 125.5M | |
Inventory | (294.2M) | (323.8M) | (796.6M) | (437.3M) | (393.5M) | (373.9M) | |
Net Tangible Assets | 926.8M | 1.4B | 1.6B | 1.6B | 1.9B | 973.2M | |
Long Term Debt Total | 160.1M | 402.0M | 400.2M | 398.7M | 458.5M | 279.4M | |
Capital Surpluse | 707.0M | 937.9M | 955.3M | 972.7M | 1.1B | 823.3M |
NMI Holdings Key Income Statement Accounts
2020 | 2021 | 2022 | 2023 | 2024 | 2025 (projected) | ||
Interest Expense | 24.4M | 31.8M | 32.2M | 32.2M | 37.0M | 38.9M | |
Total Revenue | 436.2M | 485.6M | 524.5M | 579.0M | 665.9M | 699.1M | |
Gross Profit | 436.2M | 485.6M | 524.5M | 579.0M | 665.9M | 699.1M | |
Operating Income | 214.8M | 294.7M | 398.4M | 577.0M | 663.6M | 696.7M | |
Ebit | 242.5M | 328.5M | 409.5M | 444.9M | 511.7M | 537.2M | |
Ebitda | 252.4M | 339.8M | 421.3M | 456.5M | 524.9M | 551.2M | |
Cost Of Revenue | (5.5M) | (12.5M) | (59.2M) | 12.3M | 11.1M | 11.6M | |
Income Before Tax | 218.1M | 296.7M | 377.3M | 412.7M | 474.6M | 498.3M | |
Net Income | 171.6M | 231.1M | 292.9M | 322.1M | 370.4M | 388.9M | |
Income Tax Expense | 46.5M | 65.6M | 84.4M | 90.6M | 104.2M | 109.4M | |
Tax Provision | 46.5M | 65.6M | 84.4M | 90.6M | 104.2M | 109.4M | |
Net Interest Income | (24.4M) | (31.8M) | (32.2M) | (32.2M) | (29.0M) | (30.4M) |
NMI Holdings Key Cash Accounts
2020 | 2021 | 2022 | 2023 | 2024 | 2025 (projected) | ||
Change In Cash | 85.8M | (50.3M) | (32.2M) | 52.3M | 47.0M | 49.4M | |
Free Cash Flow | 240.4M | 313.5M | 302.8M | 333.3M | 383.3M | 402.5M | |
Depreciation | 9.9M | 11.2M | 11.9M | 11.5M | 13.3M | 8.7M | |
Other Non Cash Items | 3.9M | 7.3M | 6.0M | 2.5M | 2.8M | 4.3M | |
Capital Expenditures | 12.2M | 12.2M | 10.6M | 9.4M | 10.8M | 9.7M | |
Net Income | 171.6M | 231.1M | 292.9M | 322.1M | 370.4M | 388.9M | |
End Period Cash Flow | 126.9M | 76.6M | 44.4M | 96.7M | 87.0M | 78.7M | |
Change To Inventory | (10.4M) | (3.9M) | (18.1M) | (16.9M) | (15.2M) | (14.5M) | |
Investments | 42.2M | (361.9M) | (279.2M) | (225.6M) | (203.0M) | (192.9M) | |
Change Receivables | (11.2M) | (19.4M) | (15.3M) | (12.8M) | (11.5M) | (12.1M) | |
Change To Netincome | 66.8M | 54.7M | 87.6M | 98.7M | 113.5M | 119.2M |
NMI Financial Ratios Relationships
Comparative valuation techniques use various fundamental indicators to help in determining NMI Holdings's current stock value. Our valuation model uses many indicators to compare NMI Holdings value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across NMI Holdings competition to find correlations between indicators driving NMI Holdings's intrinsic value. More Info.NMI Holdings is regarded second in return on equity category among its peers. It is considered to be number one stock in return on asset category among its peers reporting about 0.57 of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for NMI Holdings is roughly 1.76 . As of now, NMI Holdings' Return On Equity is decreasing as compared to previous years. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the NMI Holdings' earnings, one of the primary drivers of an investment's value.NMI Holdings Systematic Risk
NMI Holdings' systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. NMI Holdings volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was fourty-five with a total number of output elements of sixteen. The Beta measures systematic risk based on how returns on NMI Holdings correlated with the market. If Beta is less than 0 NMI Holdings generally moves in the opposite direction as compared to the market. If NMI Holdings Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one NMI Holdings is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of NMI Holdings is generally in the same direction as the market. If Beta > 1 NMI Holdings moves generally in the same direction as, but more than the movement of the benchmark.
NMI Holdings Thematic Clasifications
NMI Holdings is part of Insurance investing theme. If you are a theme-oriented, socially responsible, and at the same time, a result-driven investor, you can align your investing habits with your values without jeopardizing your expectations about returns. You can easily create an optimal portfolio of stocks, ETFs, funds, or cryptocurrencies based on a specific theme of your liking. USA Equities from Insurance industry as classified by Fama & French. Fama and French investing themes focus on testing asset pricing under different economic assumptions
This theme covers USA Equities from Insurance industry as classified by Fama & French. Fama and French investing themes focus on testing asset pricing under different economic assumptions. Get More Thematic Ideas
Insurance | View |
Today, most investors in NMI Holdings Stock are looking for potential investment opportunities by analyzing not only static indicators but also various NMI Holdings' growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of NMI Holdings growth as a starting point in their analysis.
Price Earnings To Growth Ratio |
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NMI Holdings January 31, 2025 Opportunity Range
Along with financial statement analysis, the daily predictive indicators of NMI Holdings help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of NMI Holdings. We use our internally-developed statistical techniques to arrive at the intrinsic value of NMI Holdings based on widely used predictive technical indicators. In general, we focus on analyzing NMI Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build NMI Holdings's daily price indicators and compare them against related drivers.
Downside Deviation | 2.23 | |||
Information Ratio | (0.05) | |||
Maximum Drawdown | 9.75 | |||
Value At Risk | (3.63) | |||
Potential Upside | 2.6 |
Complementary Tools for NMI Stock analysis
When running NMI Holdings' price analysis, check to measure NMI Holdings' market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy NMI Holdings is operating at the current time. Most of NMI Holdings' value examination focuses on studying past and present price action to predict the probability of NMI Holdings' future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move NMI Holdings' price. Additionally, you may evaluate how the addition of NMI Holdings to your portfolios can decrease your overall portfolio volatility.
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