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