NMI Holdings Inc NMIH

Financial — Insurance Specialty

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

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NMI Holdings Inc NMIH

NMI Holdings Inc NMIH

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