Nmi Holdings Stock Buy Hold or Sell Recommendation
| NMIH Stock | USD 38.27 0.35 0.92% |
Given the investment horizon of 90 days and your conservative attitude towards risk, our recommendation regarding NMI Holdings is 'Strong Sell'. The recommendation algorithm takes into account all of NMI Holdings' available fundamental, technical, and predictive indicators you will find on this site.
Check out NMI Holdings Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool. For more detail on how to invest in NMI Stock please use our How to Invest in NMI Holdings guide. In addition, we conduct extensive research on individual companies such as NMI and provide practical buy, sell, or hold advice based on investors' investing horizon and their risk tolerance towards NMI Holdings. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in gross domestic product.
NMI |
Execute NMI Holdings Buy or Sell Advice
The NMI recommendation should be used to complement the buy-or-sell advice compiled from the current analysts' consensus on NMI Holdings. Macroaxis does not own or have any residual interests in NMI Holdings or other equities on which the buy-or-sell advice is provided. Please provide your input below to execute NMI Holdings' advice using the current market data and latest reported fundamentals.
Time Horizon
Risk Tolerance
 |  |
Strong Sell
Market Performance | Very Weak | Details | |
Volatility | Very steady | Details | |
Hype Condition | Low key | Details | |
Current Valuation | Overvalued | Details | |
Odds Of Distress | Very Small | Details | |
Economic Sensitivity | Follows the market closely | Details | |
Investor Sentiment | Alarmed | Details | |
Analyst Consensus | Strong Buy | Details | |
Financial Strenth (F Score) | Healthy | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Possible Manipulator | Details |
NMI Holdings Trading Alerts and Improvement Suggestions
| NMI Holdings generated a negative expected return over the last 90 days | |
| NMI Holdings is unlikely to experience financial distress in the next 2 years | |
| NMI Holdings currently holds 409 M in liabilities with Debt to Equity (D/E) ratio of 0.27, which may suggest the company is not taking enough advantage from borrowing. NMI Holdings has a current ratio of 0.89, indicating that it has a negative working capital and may not be able to pay financial obligations when due. Note, when we think about NMI Holdings' use of debt, we should always consider it together with its cash and equity. | |
| Over 99.0% of NMI Holdings shares are owned by institutional investors | |
| Latest headline from thelincolnianonline.com: Quest Partners LLC Buys 41,371 Shares of NMI Holdings, Inc. |
NMI Holdings Returns Distribution Density
The distribution of NMI Holdings' historical returns is an attempt to chart the uncertainty of NMI Holdings' future price movements. The chart of the probability distribution of NMI Holdings daily returns describes the distribution of returns around its average expected value. We use NMI Holdings price's Value At Risk and its Upside Potential as a relative measure of the distribution. The graph of the distribution of NMI Holdings returns is essential to provide solid investment advice for NMI Holdings.
| Mean Return | -0.0008 | Value At Risk | -2.55 | Potential Upside | 2.37 | Standard Deviation | 1.58 |
Return Density |
| Distribution |
Investment risk management requires an estimate of the probability of extreme price changes. Therefore, the correct representation of the distribution of NMI Holdings historical returns presented in an easy-to-digest graphical form helps investors and money managers understand the risk-reward trade-off of different investement strategies.
NMI Stock Institutional Investors
| Shares | Fmr Inc | 2024-09-30 | 1.5 M | Frontier Capital Management Co Inc | 2024-09-30 | 1.3 M | Wellington Management Company Llp | 2024-06-30 | 1.3 M | Nuveen Asset Management, Llc | 2024-06-30 | 1.3 M | Charles Schwab Investment Management Inc | 2024-09-30 | 1.1 M | Millennium Management Llc | 2024-06-30 | 1 M | Clearbridge Advisors, Llc | 2024-06-30 | 1 M | Ameriprise Financial Inc | 2024-06-30 | 961.1 K | Citadel Advisors Llc | 2024-06-30 | 955.5 K | Blackrock Inc | 2024-06-30 | 13.4 M | Vanguard Group Inc | 2024-09-30 | 7.1 M |
NMI Holdings Cash Flow Accounts
| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 (projected) | ||
| Change In Cash | 15.8M | 85.8M | (50.3M) | (32.2M) | 52.3M | 54.9M | |
| Free Cash Flow | 198.2M | 240.4M | 313.5M | 302.8M | 333.3M | 350.0M | |
| Depreciation | 9.3M | 9.9M | 11.2M | 11.9M | 11.5M | 8.7M | |
| Other Non Cash Items | 10.9M | 3.9M | 7.3M | 6.0M | 2.5M | 4.3M | |
| Capital Expenditures | 10.0M | 12.2M | 12.2M | 10.6M | 9.4M | 9.7M | |
| Net Income | 172.0M | 171.6M | 231.1M | 292.9M | 322.1M | 338.2M | |
| End Period Cash Flow | 41.1M | 126.9M | 76.6M | 44.4M | 96.7M | 78.7M | |
| Change To Inventory | (10.4M) | (3.9M) | (18.1M) | (16.9M) | (15.2M) | (14.5M) | |
| Investments | 230.4M | 42.2M | (361.9M) | (279.2M) | (225.6M) | (214.3M) | |
| 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 Holdings Greeks
Most traded equities are subject to two types of risk - systematic (i.e., market) and unsystematic (i.e., nonmarket or company-specific) risk. Unsystematic risk is the risk that events specific to NMI Holdings or Financial Services sector will adversely affect the stock's price. This type of risk can be diversified away by owning several different stocks in different industries whose stock prices have shown a small correlation to each other. On the other hand, systematic risk is the risk that NMI Holdings' price will be affected by overall stock market movements and cannot be diversified away. So, no matter how many positions you have, you cannot eliminate market risk. However, you can measure a NMI stock's historical response to market movements and buy it if you are comfortable with its volatility direction. Beta and standard deviation are two commonly used measures to help you make the right decision.
α | Alpha over Dow Jones | -0.08 | |
β | Beta against Dow Jones | 0.81 | |
σ | Overall volatility | 1.56 | |
Ir | Information ratio | -0.06 |
NMI Holdings Volatility Alert
NMI Holdings exhibits very low volatility with skewness of -0.48 and kurtosis of 2.82. Understanding different market volatility trends often help investors to time the market. Properly using volatility indicators enable traders to measure NMI Holdings' stock risk against market volatility during both bullish and bearish trends. The higher level of volatility that comes with bear markets can directly impact NMI Holdings' stock price while adding stress to investors as they watch their shares' value plummet. This usually forces investors to rebalance their portfolios by buying different financial instruments as prices fall.NMI Holdings Fundamentals Vs Peers
Comparing NMI Holdings' fundamentals to the average values of its peers is one of the most widely used and accepted methods of equity analyses. It helps to analyze NMI Holdings' direct or indirect competition across all of the common fundamentals between NMI Holdings and the related equities. This way, we can detect undervalued stocks with similar characteristics as NMI Holdings or determine the stocks which would be an excellent addition to an existing portfolio. Peer analysis of NMI Holdings' fundamental indicators could also be used in its relative valuation, which is a method of valuing NMI Holdings by comparing valuation metrics with those of similar companies.
| Better Than Average | Worse Than Average | Compare NMI Holdings to competition |
| Fundamentals | NMI Holdings | Peer Average |
| Return On Equity | 0.18 | -0.31 |
| Return On Asset | 0.1 | -0.14 |
| Profit Margin | 0.56 % | (1.27) % |
| Operating Margin | 0.76 % | (5.51) % |
| Current Valuation | 3.28 B | 16.62 B |
| Shares Outstanding | 79.13 M | 571.82 M |
| Shares Owned By Insiders | 1.45 % | 10.09 % |
| Shares Owned By Institutions | 98.55 % | 39.21 % |
| Number Of Shares Shorted | 1.56 M | 4.71 M |
| Price To Earning | 10.65 X | 28.72 X |
| Price To Book | 1.37 X | 9.51 X |
| Price To Sales | 4.72 X | 11.42 X |
| Revenue | 579 M | 9.43 B |
| Gross Profit | 411.45 M | 27.38 B |
| EBITDA | 456.46 M | 3.9 B |
| Net Income | 322.11 M | 570.98 M |
| Cash And Equivalents | 167.13 M | 2.7 B |
| Cash Per Share | 1.97 X | 5.01 X |
| Total Debt | 409 M | 5.32 B |
| Debt To Equity | 0.27 % | 48.70 % |
| Current Ratio | 0.91 X | 2.16 X |
| Book Value Per Share | 27.68 X | 1.93 K |
| Cash Flow From Operations | 342.68 M | 971.22 M |
| Short Ratio | 3.62 X | 4.00 X |
| Earnings Per Share | 4.39 X | 3.12 X |
| Price To Earnings To Growth | 1.66 X | 4.89 X |
| Target Price | 43.88 | |
| Number Of Employees | 229 | 18.84 K |
| Beta | 1.13 | -0.15 |
| Market Capitalization | 3 B | 19.03 B |
| Total Asset | 2.96 B | 29.47 B |
| Retained Earnings | 1.22 B | 9.33 B |
| Net Asset | 2.96 B |
Note: Disposition of 301 shares by Realmuto Nicholas Daniel of NMI Holdings subject to Rule 16b-3 [view details]
NMI Holdings Market Momentum
Traders often use several daily momentume indicators to supplement a more traditional technical analysis when analyzing securities such as NMI . With many different options, investors must choose the best indicators for them and familiarize themselves with how they work. We suggest combining traditional momentum indicators with more near-term forms of technical analysis such as Accumulation Distribution or Daily Balance Of Power. With their quantitative nature, daily value technical indicators can also be incorporated into your automated trading systems.
About NMI Holdings Buy or Sell Advice
When is the right time to buy or sell NMI Holdings? Buying financial instruments such as NMI Stock isn't very hard. However, what challenging for most investors is doing it at the right time to beat the market. Proper market timing is something most people cannot do without sophisticated tools, which help to isolate the right opportunities. Macroaxis provides hands-on modules to deliver winning trades and diversify your portfolios on a daily basis. Most of our advising modules are very easy to use and apply.
Please read more on our stock advisor page.
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Check out NMI Holdings Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool. For more detail on how to invest in NMI Stock please use our How to Invest in NMI Holdings guide.You can also try the Sectors module to list of equity sectors categorizing publicly traded companies based on their primary business activities.
Is Commercial & Residential Mortgage Finance space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of NMI Holdings. If investors know NMI will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about NMI Holdings listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth 0.15 | Earnings Share 4.39 | Revenue Per Share 7.914 | Quarterly Revenue Growth 0.121 | Return On Assets 0.1019 |
The market value of NMI Holdings is measured differently than its book value, which is the value of NMI that is recorded on the company's balance sheet. Investors also form their own opinion of NMI Holdings' value that differs from its market value or its book value, called intrinsic value, which is NMI Holdings' true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because NMI Holdings' market value can be influenced by many factors that don't directly affect NMI Holdings' underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between NMI Holdings' value and its price as these two are different measures arrived at by different means. Investors typically determine if NMI Holdings is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, NMI Holdings' price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.