Touchstone
Last syncNov 1, 2026, 6:55 PM ET

NMIH

Nmi Holdings, Inc. Financials Surety Insurance Russell 3000
$42.67Close $3.3BMarket cap $35.42 – $45.7152-week range Nov 5, 2026Next report · after the close

Highlights

Cautions

  • Trend not confirmed 6 of 8 conditions · under 30% off the low, RS under 70
  • Results soon Nov 5, 2026, in 4 days

Price

Filing Results Screen pick 52-week high and low Adjusted prices

Key figures

FY to Dec 31, 2025 · filed Jul 31, 2026
Off 12-month high 7%
1wk up 0.3% price change
1mo up 14.3% price change
12-month return up 17% market up 11% · its own up 9%
F-score — — Not assessed
Altman Z — Unknown
P/E 8.4× price / earnings
PEG 0.76 P/E / EPS growth
P/B 1.3× price / book
Earnings yield — EBIT / enterprise value
Cheaper than — of the market · not assessed
Revenue growth up 9% year on year
EPS growth up 14% latest quarter · +14 pts
Sales growth up 8% latest quarter · +2 pts
ROE up 16% return on equity
Free cash margin —
D/E — long-term debt / equity
Net debt / EBITDA —
Interest cover —EBIT / interest

Trade setup

ATR% 2.6% $1.10 a day · 2×ATR $40.48
RS 57 / 99 vs the universe
Trend 6 / 8 under 30% off the low, RS under 70
Relative volume 0.8× vs 50-day average
Up/down volume 0.89 50 sessions
Implied move — no option chain · report Nov 5, 2026
Trend template · 6 of 8
  • At least 30% above the 52-week low: fails
  • RS rank 70 or higher: fails

Screen verdict

Did not qualify for any screen.

Warning signs

none flagged
  • No restatement or impairment
  • Equity positive
  • No material dilution
  • Margins and revenue not shrinking
Last reported Jul 30, 2026

Financials

6 fiscal years · from filings
Revenue What customers paid the company over its fiscal year, before any cost, as filed in its annual report. The change is against the year before. Methodology $706.4M +9% on FY2024
$0 $1B FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · $433.3M FY2021 · $485.1M FY2022 · $523.3M FY2023 · $579.0M FY2024 · $651.0M FY2025 · $706.4M
Net income Profit left after every cost, interest and tax for the year. A column below the line is a loss. Methodology $388.9M +8% on FY2024
$0 $500M FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · $171.6M FY2021 · $231.1M FY2022 · $292.9M FY2023 · $322.1M FY2024 · $360.1M FY2025 · $388.9M
Margins Each as a share of revenue. Gross: left after the direct cost of what was sold. Net: left after every cost. Free cash: free cash flow over revenue. A margin rising over years means the business keeps more of each dollar it sells. Methodology
  • Net 55%
0% 100% FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · Net 40% FY2021 · Net 48% FY2022 · Net 56% FY2023 · Net 56% FY2024 · Net 55% FY2025 · Net 55%
Cash and long-term debt Cash on the balance sheet at the year's end beside debt due after a year. Net cash is cash less that debt; net debt is the shortfall. Debt some filers do not tag shows as a gap, not as zero. Methodology
  • Cash
  • Long-term debt
$0 $500M FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · Cash $126.9M · Long-term debt $393.3M FY2021 · Cash $76.6M · Long-term debt $394.6M FY2022 · Cash $44.4M · Long-term debt $396.1M FY2023 · Cash $96.7M FY2024 · Cash $54.3M FY2025 · Cash $43.9M
Shares outstanding Shares in issue at the year's end. A rising count means each share owns a smaller slice of the company (stock pay, share sales); a falling one, buybacks. The chart's scale is fitted to the count, so a small change looks large: read the percentage. Methodology 76.29m -10.4% since FY2020
85.79m 76.29m FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · 85.16m FY2021 · 85.79m FY2022 · 83.55m FY2023 · 80.88m FY2024 · 78.60m FY2025 · 76.29m
  FY2020Dec 31, 2020 FY2021Dec 31, 2021 FY2022Dec 31, 2022 FY2023Dec 31, 2023 FY2024Dec 31, 2024 FY2025Dec 31, 2025
Revenue $433.3M $485.1M $523.3M $579.0M $651.0M $706.4M
Net income $171.6M $231.1M $292.9M $322.1M $360.1M $388.9M
Net margin 40% 48% 56% 56% 55% 55%
Earnings per share $2.16 $2.66 $3.41 $3.84 $4.43 $4.92
Cash $126.9M $76.6M $44.4M $96.7M $54.3M $43.9M
Long-term debt $393.3M $394.6M $396.1M — — —
Shareholders' equity $1.4B $1.6B $1.6B $1.9B $2.2B $2.6B
Shares outstanding 85.16m 85.79m 83.55m 80.88m 78.60m 76.29m

Filings

SEC EDGAR
FiledReportPeriod to Lag
Jul 31, 2026 Quarterly ↗ Jun 30, 2026 31d
May 1, 2026 Quarterly ↗ Mar 31, 2026 31d
Feb 12, 2026 Annual ↗ Dec 31, 2025 43d
Nov 5, 2025 Quarterly ↗ Sep 30, 2025 36d
Jul 30, 2025 Quarterly ↗ Jun 30, 2025 30d
Apr 30, 2025 Quarterly ↗ Mar 31, 2025 30d
Feb 14, 2025 Annual ↗ Dec 31, 2024 45d
Nov 7, 2024 Quarterly ↗ Sep 30, 2024 38d
Jul 31, 2024 Quarterly ↗ Jun 30, 2024 31d
May 1, 2024 Quarterly ↗ Mar 31, 2024 31d
Feb 15, 2024 Annual ↗ Dec 31, 2023 46d
Nov 2, 2023 Quarterly ↗ Sep 30, 2023 33d

Current reports

FiledDisclosed
Jul 30, 2026 Results ↗
May 15, 2026 Shareholder vote ↗
Apr 30, 2026 Results ↗
Feb 12, 2026 Director or officer change · Regulation FD ↗
Feb 10, 2026 Results ↗
Nov 4, 2025 Results ↗
Jul 29, 2025 Results ↗
May 9, 2025 Shareholder vote ↗
Apr 29, 2025 Results ↗
Feb 6, 2025 Results ↗
Nov 6, 2024 Results ↗
Jul 30, 2024 Results ↗