Price
No data yet.
Social Signal Score
Revenue
$187.89M+51.47%Analyst Estimates
Consensus estimates, not results. Via Financial Modeling Prep.
Company Profile
- CEO
- Adam S. Pollitzer
- Sector
- Financial Services
- Industry
- Insurance - Specialty
- Employees
- 225
- Beta
- 0.54
- Country
- US
- Piotroski score
- 6 / 9 (Middling)
- Altman Z-score
- 2.95
Financials
Revenue
$187.89M+51.5%Net Income
$105.79M+75.7%EBITDA
$149.02M+68.8%Free Cash Flow
$140.25M+46.4%EPS (diluted)
$1.38+100.0%Shares Outstanding (diluted)
76.58M-11.8%Cash & Debt
$72.12MReturn of Capital
$32.29MQuote
Valuation & Ratios
Returns & Efficiency
Revenue & Net Income (Annual)
| Fiscal Year | Revenue | Net Income | EPS |
|---|---|---|---|
| 2025 | $705.58M | $388.93M | $5.01 |
| 2024 | $650.97M | $360.11M | $4.51 |
| 2023 | $579.00M | $322.11M | $3.91 |
| 2022 | $524.46M | $292.90M | $3.45 |
| 2021 | $485.64M | $231.13M | $2.70 |
| 2020 | $436.19M | $171.57M | $2.20 |
| 2019 | $370.11M | $171.96M | $2.54 |
| 2018 | $273.63M | $107.93M | $1.66 |
| 2017 | $178.64M | $22.05M | $0.37 |
| 2016 | $121.92M | $64.00M | $1.11 |
| 2015 | $55.51M | $-27.79M | $-0.47 |
| 2014 | $22.21M | $-48.91M | $-0.84 |
| 2013 | $5.56M | $-55.18M | $-0.99 |
| 2012 | $284.0K | $-27.49M | $-0.73 |
Valuation
Project earnings forward and see what return today's price implies.
EPS was negative in at least one boundary year, so a compound growth rate can't be computed from it. Set your own assumption.
- EPS in 5 years
- $7.36
- Implied price
- $58.89
- Return from $45.65
- 5.2% a year
To earn 15.0% a year on these assumptions you'd need to buy at $29.28 — -35.9% below today's price.
How sensitive is that answer?
Annual return across nearby assumptions. If the result is only attractive in one corner, that is the finding.
| growth \ P/E | 4 | 6 | 8 | 10 | 12 |
|---|---|---|---|---|---|
| -2.0% | -16.9% | -9.9% | -4.5% | -0.2% | 3.6% |
| 3.0% | -12.6% | -5.3% | 0.4% | 4.9% | 8.8% |
| 8.0% | -8.4% | -0.7% | 5.2% | 10.0% | 14.1% |
| 13.0% | -4.2% | 3.9% | 10.1% | 15.1% | 19.4% |
| 18.0% | 0.1% | 8.5% | 15.0% | 20.2% | 24.7% |
This is arithmetic on assumptions you chose, not a forecast or a recommendation. It ignores dividends, buybacks, share issuance and debt, and it assumes a company still earning money in 5 years. Change any input and the answer changes a lot — that sensitivity is the honest result, not a flaw in the model.
Signal Score (90d)
113Social Signal Score
Mentions (1)
- Newszacks.com·6h ago·Positive
NMIH Gains 20.9% in Three Months: What Investors Should Know? NMI Holdings' strong insurance growth, credit performance and capital position support earnings, with buybacks adding to shareholder value.
View source ↗
Earnings
Tue, Nov 3(in 2 months)
Consensus estimate $1.30 per share
Typical surprise +4.9% (median, so one quarter with a near-zero estimate can't distort it)
- Thu, Jul 30$1.38 vs $1.28beat
- Thu, Apr 30$1.28 vs $1.22beat
- Tue, Feb 10$1.20 vs $1.17beat
- Tue, Nov 4$1.21 vs $1.21beat
- Tue, Jul 29$1.22 vs $1.16beat
- Tue, Apr 29$1.28 vs $1.10beat
Estimates and results for NMIH via Financial Modeling Prep. Beating consensus says the company cleared the bar analysts set, not that the business grew.
Insider trading
Open-market buys and sells by NMIH officers and directors.
- Bought
- —
- Sold
- $13.6m
0 trades
20 trades
- Swithenbank Aurorasold
- Smith Robert Owensold
- Montgomery Michael Currysold
- Shuster Bradley Msold
- Shuster Bradley Msold
- Shuster Bradley Msold
- Shuster Bradley Msold
- Shuster Bradley Msold
80 further Form 4 entries are share awards, option exercises or shares withheld for tax. Those are compensation, not trades, so they are excluded above. Buying is the stronger signal: an insider spends their own money for one reason. Selling has many innocent explanations — tax, diversifying, a house — so it says far less than it appears to. Via SEC filings.