NMI Holdings, Inc.
NMIHFinancial ServicesNASDAQInsurance - Specialty · Last scanned May 30, 2026
Scan Results
Daily timeframeNMI Holdings, Inc., together with its subsidiaries, provides private mortgage guaranty insurance services in the United States. Valued at $2.73B, NMIH is a mid-cap name in its sector. It provides primary mortgage insurance services; and outsourced loan review services to mortgage loan originators.
Market Cap
$2.73B
Beta
0.59
P/E (TTM)
7.30
P/E (Fwd)
6.64
EPS (TTM)
$4.92
EPS (Fwd)
$5.41
ROE
15.6%
ROA
8.9%
Cash
$96.1M
Total Debt
$425.6M
Free CF
$313.0M
52W Change
-9.4%
Annual Financials
Cash vs Debt
The company holds $96.1M in cash, though total debt stands at $425.6M. This level of leverage is common in the industry but worth monitoring as interest rate conditions evolve. The company generates $313.0M in free cash flow annually, which funds everything from R&D to shareholder returns without needing external financing. ROE of 15.6% points to strong capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. An ROA of 8.9% suggests reasonable efficiency in deploying the company's asset base. Revenue has grown from $524.5M (2022) to $706.4M (2025), reflecting a 35% increase over the period.
With a beta below 0.7, NMI Holdings, Inc. typically sees smaller price swings than the overall market, offering a degree of stability during turbulent periods. These risk factors are not exhaustive — macroeconomic shifts, regulatory changes, and competitive dynamics can all influence NMI Holdings, Inc.'s trajectory.