NMI Holdings Inc NMIH

41.23 (0.34) (0.82%) as of 25 Sep

Market cap: $3.1B
P/E: 8.0×

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Cash Flow Champion (3y) Revenue Champion (10y)

Growth Flags show if company had growth for consecutive years

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

	Dec '16	Dec '17	Dec '18	Dec '19	Dec '20	Dec '21	Dec '22	Dec '23	Dec '24	Dec '25
P/E ratio Full definition →	9.82	47.97	10.75	13.06	10.16	8.09	6.13	7.59	8.15	8.14
P/S ratio Full definition →	5.15	5.81	4.22	5.92	4.08	3.86	3.43	4.22	4.51	4.48
P/FCF ratio Full definition →	10.55	17.92	8.42	11.31	7.35	5.97	5.93	7.33	7.59	7.68
P/Operating CF Full definition →	32.33	40.86	24.95	32.69	46.97	42.19	56.47	81.16	81.94	51.28
P/B ratio Full definition →	1.34	2.09	1.65	2.41	1.29	1.19	1.11	1.27	1.32	1.22
Price to Tangible BV Full definition →	1.35	2.10	1.66	2.42	1.29	1.20	1.12	1.27	1.33	1.22
EV/Sales Full definition →	5.93	6.49	4.66	6.20	4.69	4.51	4.10	4.74	5.06	5.01
EV/EBITDA Full definition →	20.91	15.60	7.83	9.77	7.82	6.28	5.01	5.98	6.42	6.58
EV/Operating CF Full definition →	10.21	17.51	8.79	11.27	8.05	6.72	6.85	8.01	8.37	8.44
EV/FCF Full definition →	12.15	20.02	9.30	11.84	8.46	6.98	7.09	8.24	8.52	8.58
Quick Ratio Full definition →	0.34	0.23	0.30	0.46	0.72	0.50	0.46	0.66	0.53	0.49
Current Ratio Full definition →	0.34	0.23	0.30	0.46	0.72	0.50	0.46	0.66	0.53	0.49
Net Debt/EBITDA Full definition →	2.75	1.64	0.74	0.44	1.02	0.91	0.82	0.66	0.70	0.69
Debt/Assets Full definition →	17.19%	16.08%	13.44%	10.68%	18.15%	16.10%	15.74%	13.52%	12.39%	10.86%
Debt/Equity Full definition →	0.30	0.28	0.21	0.16	0.29	0.25	0.25	0.21	0.19	0.16
Asset Turnover Full definition →	0.16	0.21	0.28	0.31	0.25	0.21	0.21	0.21	0.21	0.20
Operating CF/Net income Full definition →	1.12	3.07	1.35	1.21	1.47	1.41	1.07	1.06	1.09	1.08
Capex/Depreciation Full definition →	(1.30)	(0.87)	(0.63)	(0.86)	(0.69)	(0.62)	(0.54)	(0.67)	(0.53)	(0.71)
Interest Coverage Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
ROE Full definition →	14.57%	4.48%	17.83%	21.07%	14.92%	15.75%	18.42%	18.20%	17.38%	16.17%
ROA Full definition →	8.52%	2.54%	10.86%	14.00%	9.72%	10.01%	11.79%	11.81%	11.45%	10.82%
ROIC Full definition →	1.25%	5.21%	10.33%	13.08%	8.33%	9.84%	12.00%	11.58%	11.23%	10.54%
Return on Tangible Assets Full definition →	(64.43%)	(17.21%)	(92.42%)	(209.48%)	(364.17%)	(184.29%)	(225.61%)	(450.21%)	(287.17%)	(252.25%)
Average Days of Receivables Full definition →	40.47	50.29	47.79	49.17	56.77	60.71	63.65	65.54	64.52	64.50
Research and Development Expense of Revenue Full definition →	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Selling, General and Administrative Expense of Revenue Full definition →	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Intangible Assets out of Total Assets Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Share Based Compensation of Revenue Full definition →	5.54%	5.19%	4.57%	3.44%	2.57%	3.44%	2.95%	2.92%	3.04%	2.86%
Graham Net Nets Full definition →	(0.47)	(0.32)	(0.28)	(0.15)	(0.34)	(0.39)	(0.43)	(0.33)	(0.33)	(0.34)
Graham Number Full definition →	14.12	8.42	20.07	28.05	29.68	33.33	38.41	45.34	53.09	61.35
Earnings Yield Full definition →	10.19%	2.08%	9.30%	7.66%	9.85%	12.36%	16.32%	13.18%	12.27%	12.28%
Free Cash Flow Yield Full definition →	9.48%	5.58%	11.87%	8.84%	13.61%	16.76%	16.87%	13.64%	13.18%	13.03%
Revenue per Share Full definition →	2.10	3.06	4.23	5.61	5.55	5.67	6.16	7.03	8.15	9.10
Operating CF per Share Full definition →	1.22	1.13	2.24	3.08	3.24	3.80	3.69	4.16	4.93	5.40
Capex per Share Full definition →	(0.19)	(0.14)	(0.12)	(0.15)	(0.16)	(0.14)	(0.12)	(0.11)	(0.09)	(0.09)
Free Cash Flow per Share Full definition →	1.02	0.99	2.12	2.93	3.08	3.66	3.57	4.04	4.84	5.31
Cash per Share Full definition →	0.81	0.32	0.39	0.61	1.63	0.90	0.52	1.17	0.68	0.57
Shareholders Equity per Share Full definition →	8.05	8.51	10.79	13.77	17.55	18.29	19.00	23.37	27.77	33.39
Interest Debt per Share Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Book value per Share Full definition →	8.05	8.51	10.79	13.77	17.55	18.29	19.00	23.37	27.77	33.39
Free Cash Flow Full definition →	60.47	59.25	137.80	198.19	240.44	313.48	302.82	333.31	386.70	412.52
Working Capital Full definition →	(119.73)	(150.92)	(141.54)	(108.18)	(76.78)	(157.46)	(161.75)	(101.80)	(151.08)	(175.91)
Capital Expenditures Full definition →	(11.47)	(8.51)	(8.06)	(9.96)	(12.16)	(12.24)	(10.57)	(9.37)	(6.90)	(6.78)
Net Current Asset Value Full definition →	(302.91)	(341.40)	(329.24)	(342.28)	(602.75)	(727.47)	(766.61)	(813.84)	(963.17)	(1,080.34)
EV/EBIT Full definition →	27.93	17.89	8.49	10.26	8.39	6.66	5.24	6.17	6.59	6.70
Capex to Sales Full definition →	0.09	0.05	0.03	0.03	0.03	0.03	0.02	0.02	0.01	0.01
Net Profit Margin Full definition →	51.69%	12.07%	39.24%	45.40%	39.60%	47.65%	55.97%	55.63%	55.32%	55.05%
Price to Operating Income Full definition →	55.71	20.11	8.54	10.35	8.10	6.30	4.76	5.92	6.33	6.34
Other line items
Depreciation/Fixed assets Full definition →	0.43	0.43	0.51	0.44	0.59	0.62	0.61	0.46	0.51	0.44
Cash ROIC Full definition →	7.72%	6.69%	13.86%	16.29%	11.80%	14.42%	13.70%	12.91%	13.69%	13.02%
Accounts Receivable Turnover Full definition →	13.12	9.39	8.99	8.70	7.32	6.55	6.09	5.93	5.94	5.89
Accounts Payable Turnover Full definition →	0.02	0.03	0.03	0.06	0.25	0.04	(0.01)	0.08	0.10	0.17
Inventory Turnover Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Average Days of Payables Full definition →	27,650.28	13,351.04	13,580.05	5,845.43	1,670.15	9,337.47	(30,208.17)	4,880.94	3,707.99	2,182.34
Days of Inventory on Hand Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Average Receivables Full definition →	9.44	19.45	30.59	43.52	59.21	74.03	85.97	97.62	109.52	119.95
Average Payables Full definition →	147.69	188.25	199.07	201.57	235.70	292.94	306.12	299.95	311.46	332.57
Average Assets Full definition →	751.17	867.37	993.45	1,228.43	1,765.74	2,308.62	2,483.31	2,728.27	3,145.24	3,595.54
Average Common Equity Full definition →	439.12	492.29	605.29	815.96	1,150.01	1,467.69	1,589.76	1,769.87	2,071.72	2,404.71

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NMI Holdings Inc NMIH

NMI Holdings Inc NMIH

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