NMIH
NMI Holdings Inc
NASDAQ: NMIH · FINANCIAL SERVICES · INSURANCE - SPECIALTY
$42.11
-1.10% today
Updated 2026-10-28
Market cap
$3.06B
P/E ratio
8.01
P/S ratio
4.19x
EPS (TTM)
$5.08
Dividend yield
—
52W range
$35 – $47
Volume
0.7M
WallStSmart proprietary scores
71
out of 100
Grade: B
Buy
Investment rating
6.7
Growth
B6.0
Quality
B9.0
Profitability
A+6.3
Valuation
B2/9
Piotroski F-Score
Weak
2.8
Altman Z-Score
Grey zone
—
Industry rank
—
View all highly rated stocks (75+) →271 stocks currently score above 75
Price targets
Analyst target
$49.14
+16.69%
12-Month target
$41.70
-0.97%
Intrinsic (DCF)
—
Margin of safety
—
2 Strong Buy3 Buy2 Hold0 Sell0 Strong Sell
Price chart
Stock snapshot
Strengths
+ Profit margin 54.10% — above average
+ Free cash flow $140.25M — positive
+ Debt/equity 0.15x — low leverage
Risks
- Piotroski 2/9 — weak financial health
Key financials
Revenue Net Income Free Cash Flow
| Metric | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|
| Revenue | $524.46M | $579.00M | $650.97M | $705.58M | $730.78M |
| Net income | $292.90M | $322.11M | $360.11M | $388.93M | $105.79M |
| EPS | — | — | — | — | $5.08 |
| Free cash flow | $302.82M | $333.31M | $386.70M | $412.52M | $140.25M |
| Profit margin | 55.85% | 55.63% | 55.32% | 55.12% | 54.10% |
Peer comparison
Smart narrative
NMI Holdings Inc trades at $42.11. representing a P/E of 8.01x trailing earnings. Our Smart Value Score of 71/100 indicates the stock is good. The company scores 2/9 on the Piotroski F-Score. With an Altman Z-Score of 2.75, it sits in the grey zone. TTM revenue stands at $730.78M. with profit margins at 54.10%.
Frequently asked questions
What is NMI Holdings Inc's stock price?
NMI Holdings Inc (NMIH) trades at $42.11, on a P/E of 8.0x and a P/S of 4.2x. Those multiples show what the market is paying for each dollar of earnings and sales, which is the real starting point for judging whether the price is reasonable.
Is NMI Holdings Inc overvalued?
NMI Holdings Inc carries a Smart Value Score of 71/100 (Grade B), which we rate Buy. That score blends growth, quality, and valuation into one read.
What is the price target of NMI Holdings Inc (NMIH)?
The 12-month analyst consensus target is $49.14, about 16.7% above the current $42.11. A consensus target is the average of Wall Street's 12-month forecasts, so it works as a sentiment gauge rather than a guarantee, and it resets with every earnings cycle.
What is NMI Holdings Inc's revenue?
NMI Holdings Inc's trailing twelve-month revenue is $730.78M. Revenue scale anchors the valuation multiples and shows whether growth is reaching the top line, so it is best read alongside margin and growth trends to see if that revenue is getting more profitable over time.
Altman Z-Score?
NMI Holdings Inc's Altman Z-Score is 2.75, which places it in the grey zone. The Altman Z-Score gauges bankruptcy risk from profitability, leverage, and asset efficiency, and a higher reading points to lower financial distress risk.
Company info
SectorFINANCIAL SERVICES
IndustryINSURANCE - SPECIALTY
CountryUSA
ExchangeNASDAQ
CurrencyUSD
Quick metrics
P/S ratio4.19x
ROE15.60%
Beta0.56
50D MA$42.87
200D MA$40.12
Shares out0.08B
Float0.07B
Short ratio—
Avg volume0.7M
Performance
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