41.05 USD
-0.21 (-0.51%)
At close: Feb 6, 2026
41.05 USD
0 (0%)
After Hours: 2/6/2026, 8:00:01 PM
Taking everything into account, NMIH scores 5 out of 10 in our fundamental rating. NMIH was compared to 97 industry peers in the Financial Services industry. While NMIH belongs to the best of the industry regarding profitability, there are some minor concerns on its financial health. NMIH is valued quite cheap, while showing a decent growth score. This is a good combination!
1. Profitability
1.1 Basic Checks
- NMIH had positive earnings in the past year.
- In the past year NMIH had a positive cash flow from operations.
- In the past 5 years NMIH has always been profitable.
- NMIH had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- Looking at the Return On Assets, with a value of 10.22%, NMIH belongs to the top of the industry, outperforming 90.72% of the companies in the same industry.
- Looking at the Return On Equity, with a value of 15.14%, NMIH belongs to the top of the industry, outperforming 81.44% of the companies in the same industry.
- With an excellent Return On Invested Capital value of 11.10%, NMIH belongs to the best of the industry, outperforming 86.60% of the companies in the same industry.
- The Average Return On Invested Capital over the past 3 years for NMIH is above the industry average of 8.54%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 10.22% | ||
| ROE | 15.14% | ||
| ROIC | 11.1% |
ROA(3y)11.12%
ROA(5y)10.14%
ROE(3y)17.04%
ROE(5y)15.68%
ROIC(3y)12.44%
ROIC(5y)11.39%
1.3 Margins
- With an excellent Profit Margin value of 55.02%, NMIH belongs to the best of the industry, outperforming 93.81% of the companies in the same industry.
- NMIH's Profit Margin has improved in the last couple of years.
- The Operating Margin of NMIH (74.83%) is better than 95.88% of its industry peers.
- In the last couple of years the Operating Margin of NMIH has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 74.83% | ||
| PM (TTM) | 55.02% | ||
| GM | N/A |
OM growth 3Y4.36%
OM growth 5Y4.16%
PM growth 3Y5.11%
PM growth 5Y4.03%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so NMIH is still creating some value.
- NMIH has less shares outstanding than it did 1 year ago.
- The number of shares outstanding for NMIH has been increased compared to 5 years ago.
- NMIH has a better debt/assets ratio than last year.
2.2 Solvency
- NMIH has a debt to FCF ratio of 1.08. This is a very positive value and a sign of high solvency as it would only need 1.08 years to pay back of all of its debts.
- With a decent Debt to FCF ratio value of 1.08, NMIH is doing good in the industry, outperforming 79.38% of the companies in the same industry.
- NMIH has a Debt/Equity ratio of 0.17. This is a healthy value indicating a solid balance between debt and equity.
- NMIH's Debt to Equity ratio of 0.17 is fine compared to the rest of the industry. NMIH outperforms 67.01% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.17 | ||
| Debt/FCF | 1.08 | ||
| Altman-Z | N/A |
ROIC/WACC1.36
WACC8.16%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- NMIH shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 7.66%.
- Measured over the past years, NMIH shows a quite strong growth in Earnings Per Share. The EPS has been growing by 11.51% on average per year.
- NMIH shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 8.86%.
- NMIH shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 11.44% yearly.
EPS 1Y (TTM)7.66%
EPS 3Y18.13%
EPS 5Y11.51%
EPS Q2Q%5.22%
Revenue 1Y (TTM)8.86%
Revenue growth 3Y10.3%
Revenue growth 5Y11.44%
Sales Q2Q%5.57%
3.2 Future
- NMIH is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.72% yearly.
- The Revenue is expected to grow by 3.88% on average over the next years.
EPS Next Y11.22%
EPS Next 2Y7.57%
EPS Next 3Y7.72%
EPS Next 5YN/A
Revenue Next Year3.17%
Revenue Next 2Y3.98%
Revenue Next 3Y3.88%
Revenue Next 5YN/A
3.3 Evolution
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 8.59, the valuation of NMIH can be described as very reasonable.
- Based on the Price/Earnings ratio, NMIH is valued a bit cheaper than 70.10% of the companies in the same industry.
- The average S&P500 Price/Earnings ratio is at 27.92. NMIH is valued rather cheaply when compared to this.
- A Price/Forward Earnings ratio of 7.88 indicates a rather cheap valuation of NMIH.
- 71.13% of the companies in the same industry are more expensive than NMIH, based on the Price/Forward Earnings ratio.
- NMIH's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.78.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.59 | ||
| Fwd PE | 7.88 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, NMIH is valued cheaply inside the industry as 84.54% of the companies are valued more expensively.
- Based on the Price/Free Cash Flow ratio, NMIH is valued a bit cheaper than the industry average as 79.38% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.16 | ||
| EV/EBITDA | 6.53 |
4.3 Compensation for Growth
- The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- NMIH has an outstanding profitability rating, which may justify a higher PE ratio.
PEG (NY)0.77
PEG (5Y)0.75
EPS Next 2Y7.57%
EPS Next 3Y7.72%
5. Dividend
5.1 Amount
- No dividends for NMIH!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
41.05
-0.21 (-0.51%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-04 2025-11-04/amc
Earnings (Next)02-10 2026-02-10/amc
Inst Owners99.41%
Inst Owner Change-2.33%
Ins Owners1.93%
Ins Owner Change-1.09%
Market Cap3.16B
Revenue(TTM)692.21M
Net Income(TTM)380.88M
Analysts80
Price Target46.41 (13.06%)
Short Float %1.95%
Short Ratio3.41
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-1.1%
Min EPS beat(2)-1.55%
Max EPS beat(2)-0.64%
EPS beat(4)1
Avg EPS beat(4)1.28%
Min EPS beat(4)-6.75%
Max EPS beat(4)14.08%
EPS beat(8)4
Avg EPS beat(8)3.43%
EPS beat(12)8
Avg EPS beat(12)3.96%
EPS beat(16)12
Avg EPS beat(16)4.45%
Revenue beat(2)0
Avg Revenue beat(2)-1.34%
Min Revenue beat(2)-1.47%
Max Revenue beat(2)-1.21%
Revenue beat(4)0
Avg Revenue beat(4)-3.12%
Min Revenue beat(4)-6.39%
Max Revenue beat(4)-1.21%
Revenue beat(8)0
Avg Revenue beat(8)-3.06%
Revenue beat(12)1
Avg Revenue beat(12)-2.51%
Revenue beat(16)5
Avg Revenue beat(16)-0.5%
PT rev (1m)1.38%
PT rev (3m)1.71%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.42%
EPS NY rev (1m)0%
EPS NY rev (3m)0.17%
Revenue NQ rev (1m)4.68%
Revenue NQ rev (3m)4.8%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.23%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.59 | ||
| Fwd PE | 7.88 | ||
| P/S | 4.56 | ||
| P/FCF | 8.16 | ||
| P/OCF | 8.02 | ||
| P/B | 1.25 | ||
| P/tB | 1.26 | ||
| EV/EBITDA | 6.53 |
EPS(TTM)4.78
EY11.64%
EPS(NY)5.21
Fwd EY12.68%
FCF(TTM)5.03
FCFY12.26%
OCF(TTM)5.12
OCFY12.47%
SpS9
BVpS32.72
TBVpS32.67
PEG (NY)0.77
PEG (5Y)0.75
Graham Number59.32
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 10.22% | ||
| ROE | 15.14% | ||
| ROCE | 14.25% | ||
| ROIC | 11.1% | ||
| ROICexc | 11.51% | ||
| ROICexgc | 13.03% | ||
| OM | 74.83% | ||
| PM (TTM) | 55.02% | ||
| GM | N/A | ||
| FCFM | 55.89% |
ROA(3y)11.12%
ROA(5y)10.14%
ROE(3y)17.04%
ROE(5y)15.68%
ROIC(3y)12.44%
ROIC(5y)11.39%
ROICexc(3y)12.73%
ROICexc(5y)11.75%
ROICexgc(3y)14.21%
ROICexgc(5y)12.86%
ROCE(3y)15.97%
ROCE(5y)14.63%
ROICexgc growth 3Y5.83%
ROICexgc growth 5Y-1.43%
ROICexc growth 3Y3.34%
ROICexc growth 5Y-3.31%
OM growth 3Y4.36%
OM growth 5Y4.16%
PM growth 3Y5.11%
PM growth 5Y4.03%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.19
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.17 | ||
| Debt/FCF | 1.08 | ||
| Debt/EBITDA | 0.79 | ||
| Cap/Depr | 56.63% | ||
| Cap/Sales | 0.94% | ||
| Interest Coverage | 11.39 | ||
| Cash Conversion | 74.29% | ||
| Profit Quality | 101.57% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC8.16%
ROIC/WACC1.36
Cap/Depr(3y)76.04%
Cap/Depr(5y)92.06%
Cap/Sales(3y)1.57%
Cap/Sales(5y)2.01%
Profit Quality(3y)104.75%
Profit Quality(5y)118%
High Growth Momentum
Growth
EPS 1Y (TTM)7.66%
EPS 3Y18.13%
EPS 5Y11.51%
EPS Q2Q%5.22%
EPS Next Y11.22%
EPS Next 2Y7.57%
EPS Next 3Y7.72%
EPS Next 5YN/A
Revenue 1Y (TTM)8.86%
Revenue growth 3Y10.3%
Revenue growth 5Y11.44%
Sales Q2Q%5.57%
Revenue Next Year3.17%
Revenue Next 2Y3.98%
Revenue Next 3Y3.88%
Revenue Next 5YN/A
EBIT growth 1Y4.52%
EBIT growth 3Y15.11%
EBIT growth 5Y16.08%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y15.93%
FCF growth 3Y7.25%
FCF growth 5Y14.3%
OCF growth 1Y14.22%
OCF growth 3Y6.52%
OCF growth 5Y13.58%
NMI HOLDINGS INC / NMIH FAQ
What is the fundamental rating for NMIH stock?
ChartMill assigns a fundamental rating of 5 / 10 to NMIH.
What is the valuation status of NMI HOLDINGS INC (NMIH) stock?
ChartMill assigns a valuation rating of 8 / 10 to NMI HOLDINGS INC (NMIH). This can be considered as Undervalued.
What is the profitability of NMIH stock?
NMI HOLDINGS INC (NMIH) has a profitability rating of 8 / 10.
What are the PE and PB ratios of NMI HOLDINGS INC (NMIH) stock?
The Price/Earnings (PE) ratio for NMI HOLDINGS INC (NMIH) is 8.59 and the Price/Book (PB) ratio is 1.25.
Can you provide the expected EPS growth for NMIH stock?
The Earnings per Share (EPS) of NMI HOLDINGS INC (NMIH) is expected to grow by 11.22% in the next year.