Financial Services
NMI Holdings, Inc.(NMIH)
Live Price
Offline$40.62
+2.71% today
1Y Change
-10.74%
Window
Jun 30, 2025 โ Jun 22, 2026
- Market Cap
- $2.83B
- Revenue Growth
- +8.4%
- EPS Growth
- +11.1%
- Dividend Yield
- 0.0%
Coverage: 245 bars ยท Jun 30, 2025 โ Jun 22, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
NMI Holdings, Inc. (NMIH) is a Financial Services stock with a market cap of $2.83B and listed on NASDAQ. The stock last traded around $40.62 and down 10.7% across the available one-year price window (Jun 30, 2025 โ Jun 22, 2026). Baseline metrics include revenue growth of +8.4%, EPS growth of +11.1%, a dividend yield of 0.0%. What stands out right now is revenue +8.4%, EPS +11.1%, free cash flow +6.7% with operating margin 68.9% and ROIC -0.2%. Valuation is more restrained than many high-expectation growth names at P/E 7.3 and price/sales 4.0. Stock Foundry combines NMIH price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Sector Context
How this name stacks up against nearby peers on first-pass metrics.
Revenue Growth
Above sector median
+8.4% vs +3.4% peer median
Operating Margin
Above sector median
+68.9% vs +4.7% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
Latest report is on the board
2026 was reported on May 5, 2026, but the surprise data is still limited.
The operating story is still moving forward
Revenue is running at +8.4% and EPS at +11.1%, with operating margin around 68.9%.
Earnings Reaction Memory
How the stock has tended to move after recent reports.
Across the last 3 reported quarters, the stock averaged -0.5% over the next 5 trading days and finished higher after 1 of those reports.
View quarter-by-quarter reaction table
| Quarter | EPS ฮ | 1D | 5D | 20D |
|---|---|---|---|---|
2026 May 5, 2026 | โ | +1.6% | -0.7% | -5.9% |
2026 Feb 10, 2026 | +2.6% | +1.8% | -1.3% | -7.8% |
2025 Nov 4, 2025 | +0.0% | -1.8% | +0.6% | +1.8% |
Benchmark Edge
NMIH vs SPY, QQQ, and Sector ETFs
Normalized return, excess return, max drawdown, and calendar-year wins against the benchmarks investors actually use.
Relative Read
NMIH trails SPY
NMIH is 31.22 pts behind over the shared 1Y window.
NMIH had 8.94 pts deeper max drawdown than SPY.
NMIH beat SPY in 0 of 2 calendar years shown and trailed in 2.
NMIH
-10.74%
Normalized return
SPY
+20.48%
S&P 500
Excess Return
-31.22 pts
Relative to SPY
NMIH Max Drawdown
-18.08%
Trailing 1Y
SPY Max Drawdown
-9.13%
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for NMIH and SPY.
| Year | NMIH | SPY | Excess | Leader |
|---|---|---|---|---|
| 2026 | -7.26% | +6.71% | -13.97 pts | SPY |
| 2025 | -2.32% | +11.19% | -13.52 pts | SPY |
Company Overview
NMI Holdings, Inc.
NASDAQ Global Market
NMI Holdings, Inc. provides private mortgage guaranty insurance services in the United States. The company offers mortgage insurance services; and outsourced loan review services to mortgage loan originators. It 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.
- Leadership
- Adam S. Pollitzer
- IPO Date
- Nov 8, 2013
- Employees
- 230
- Street Address
- 2100 Powell Street
- Mailing
- EmeryVille, CA, 94608
- Region
- EmeryVille, CA, US
- Reporting Currency
- USD
- Investor Line
- 855 530 6642
- Last Updated
- May 2, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- 7.3
- EV/EBITDA
- โ
- Price/Sales
- 4.0
- Price/Book
- 0.0
Growth
- Revenue
- +8.4%
- EPS
- +11.1%
- Free Cash Flow
- +6.7%
Profitability
- Gross Margin
- 89.7%
- Operating Margin
- 68.9%
- Net Margin
- 53.8%
- ROE
- 0.1%
- ROIC
- -0.2%
Balance Sheet
- Debt/Equity
- 0.00
- Current Ratio
- 0.39
Earnings Reports
Latest News
Official Releases
Company announcements and filings-style updates.
Next Step
Keep the research moving
After the overview, the strongest next step is usually chart context or a tighter compare set.