/NMIH
NMIH Stock - NMI Holdings, Inc.
Financial Services|Insurance - SpecialtyNASDAQ
$36.39-7.43%
$2.92 (-7.43%) • Jan 13
68
GoAI Score
GoAI Score
Weighted average: Momentum (25%) + Sentiment (35%) + Risk (20%) + Value (20%). ≥70 = BUY, ≤35 = SELL.HOLD
Medium Confidence
Momentum
Momentum Score
Based on price vs 50-day MA (40%), 200-day MA (40%), and MA crossover (20%). Higher = stronger uptrend.33
Sentiment
Sentiment Score
Based on analyst price target upside. 50 = neutral, 100 = very bullish (25%+ upside expected).89
Risk Score
Risk Score
Based on stock beta (volatility). Higher score = lower risk. Red (<40) = high volatility, Green (>60) = stable.94
Price Target
Price Target
Average analyst price target from the last quarter. Shows expected upside/downside from current price.+19.5%upside
Target: $43.49
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ENTRY ZONE$36.03 – $36.75
TARGET (TP)$43.50
STOP LOSS$33.48
RISK/REWARD1:2.4
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Price Chart
Financial Statements
Revenue & Profitability Trend
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Revenue
Net Income (Profit)
Net Loss
Key Metrics
Market CapN/A
P/E RatioN/A
Beta0.66
52W High$43.20
52W Low$31.90
Avg VolumeN/A
Income Statement (Fiscal Year)
| Metric | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Revenue | $650.97M | $579.00M | $524.46M | $485.64M | $436.19M |
| Gross Profit | $618.70M | $555.61M | $526.96M | $470.82M | $374.10M |
| Gross Margin | 95.0% | 96.0% | 100.5% | 96.9% | 85.8% |
| Operating Income | $463.41M | $412.70M | $377.31M | $296.73M | $218.11M |
| Net Income | $360.11M | $322.11M | $292.90M | $231.13M | $171.57M |
| Net Margin | 55.3% | 55.6% | 55.8% | 47.6% | 39.3% |
| EPS | $4.51 | $3.91 | $3.45 | $2.70 | $2.20 |
Company Overview
NMI Holdings, Inc. provides private mortgage guaranty insurance services in the United States. The company offers mortgage insurance services; and outsourced loan review services to mortgage loan originators. It serves national and regional mortgage banks, money center banks, credit unions, community banks, builder-owned mortgage lenders, internet-sourced lenders, and other non-bank lenders. NMI Holdings, Inc. was incorporated in 2011 and is headquartered in Emeryville, California.
Visit WebsiteRating Distribution
Strong Buy
0%
Buy / Outperform
5
56%
Hold / Neutral
4
44%
Sell / Underperform
0%
Analyst Consensus🟡 Mixed
5 Bullish4 Neutral/Bearish
Price Targets
$35
Average Target
↓ 2.8% Downside
Now
$20
Low
$35
Average
$48
High
Based on 13 analysts
Recent Analyst Actions
| Date | Firm | Action | Rating | Price Target |
|---|---|---|---|---|
| December 18th 2025 | Keefe Bruyette | Upgrade | Outperform | $48 |
| July 7th 2025 | Keefe Bruyette | Downgrade | Market Perform | $43 |
| February 24th 2025 | Keefe Bruyette | Upgrade | Outperform | $43 |
| January 6th 2025 | Barclays | Downgrade | Equal Weight | $41← $48 |
| September 18th 2024 | RBC Capital Mkts | Upgrade | Outperform | $48← $40 |
| May 22nd 2024 | UBS | Downgrade | Neutral | $39← $37 |
| December 6th 2023 | UBS | Initiation | Buy | $36 |
| November 15th 2023 | Barclays | Initiation | Overweight | $37 |
| October 17th 2023 | BofA Securities | Initiation | Buy | $33 |
| January 6th 2023 | Barclays | Downgrade | Equal Weight | $25← $31 |
| December 6th 2022 | BTIG Research | Downgrade | Neutral | $24 |
| October 17th 2022 | Keefe Bruyette | Downgrade | Market Perform | $23← $25 |
| June 23rd 2022 | RBC Capital Mkts | Downgrade | Sector Perform | $20← $27 |
Earnings History & Surprises
NMIHBeat Rate
83%
Last 18 quarters
Avg Surprise
+6.2%
EPS vs Estimate
Beats / Misses
15/1
2 met exactly
Latest EPS
$1.21
Q4 2025
EPS Surprise History
Q1 24
+5.2%
$1.01vs$0.96
Q2 24
+9.1%
$1.08vs$0.99
Q3 24
+14.3%
$1.20vs$1.05
Q4 24
+0.9%
$1.15vs$1.14
Q1 25
-3.6%
$1.07vs$1.11
Q2 25
+16.4%
$1.28vs$1.10
Q3 25
+5.2%
$1.22vs$1.16
Q4 25
0.0%
$1.21vs$1.21
Beat Estimate
Missed Estimate
Quarterly EPS Details
| Period | Report Date | Estimated EPS | Actual EPS | Surprise | Result |
|---|---|---|---|---|---|
Q2 2026 | Apr 27, 2026 | — | — | — | — |
Q1 2026 | Feb 5, 2026 | $1.17 | — | — | — |
Q4 2025 | Nov 4, 2025 | $1.21 | $1.21 | 0.0% | = MET |
Q3 2025 | Jul 29, 2025 | $1.16 | $1.22 | +5.2% | ✓ BEAT |
Q2 2025 | Apr 29, 2025 | $1.10 | $1.28 | +16.4% | ✓ BEAT |
Q1 2025 | Feb 6, 2025 | $1.11 | $1.07 | -3.6% | ✗ MISS |
Q4 2024 | Nov 6, 2024 | $1.14 | $1.15 | +0.9% | ✓ BEAT |
Q3 2024 | Jul 30, 2024 | $1.05 | $1.20 | +14.3% | ✓ BEAT |
Q2 2024 | Apr 30, 2024 | $0.99 | $1.08 | +9.1% | ✓ BEAT |
Q1 2024 | Feb 14, 2024 | $0.96 | $1.01 | +5.2% | ✓ BEAT |
Q4 2023 | Nov 1, 2023 | $0.92 | $1.00 | +8.7% | ✓ BEAT |
Q3 2023 | Aug 1, 2023 | $0.86 | $0.95 | +10.5% | ✓ BEAT |
Q2 2023 | May 2, 2023 | $0.82 | $0.88 | +7.3% | ✓ BEAT |
Q1 2023 | Feb 14, 2023 | $0.84 | $0.86 | +2.4% | ✓ BEAT |
Q4 2022 | Nov 1, 2022 | $0.81 | $0.90 | +11.1% | ✓ BEAT |
Q3 2022 | Aug 2, 2022 | $0.76 | $0.86 | +13.2% | ✓ BEAT |
Q2 2022 | May 4, 2022 | $0.74 | $0.77 | +4.1% | ✓ BEAT |
Q1 2022 | Feb 15, 2022 | $0.71 | $0.73 | +2.8% | ✓ BEAT |
Q4 2021 | Nov 2, 2021 | $0.71 | $0.71 | 0.0% | = MET |
Q3 2021 | Aug 3, 2021 | $0.64 | $0.67 | +4.7% | ✓ BEAT |
Latest News
JP Morgan Maintains Overweight on NMI Holdings, Raises Price Target to $43
📈 PositiveBenzinga•Jan 12, 2026, 06:00 PM
Barclays Maintains Equal-Weight on NMI Holdings, Raises Price Target to $44
📈 PositiveBenzinga•Jan 6, 2026, 08:11 PM•Also:
Keefe, Bruyette & Woods Upgrades NMI Holdings to Outperform, Raises Price Target to $48
📈 PositiveBenzinga•Dec 18, 2025, 09:22 AM
JP Morgan Maintains Overweight on NMI Holdings, Lowers Price Target to $42
➖ NeutralBenzinga•Nov 5, 2025, 08:09 PM
CORRECTION: NMI Holdings Q3 Adj. EPS $1.21, Inline, Sales $178.679M Beat $150.573M Estimate
➖ NeutralBenzinga•Nov 4, 2025, 10:58 PM
NMI Holdings Q3 Adj. EPS $1.22 Beats $1.21 Estimate, Sales $178.679M Beat $150.573M Estimate
📈 PositiveBenzinga•Nov 4, 2025, 09:02 PM
JP Morgan Maintains Overweight on NMI Holdings, Lowers Price Target to $43
➖ NeutralBenzinga•Oct 7, 2025, 12:05 PM•Also:
Barclays Maintains Equal-Weight on NMI Holdings, Raises Price Target to $43
➖ NeutralBenzinga•Oct 6, 2025, 01:20 PM•Also:
Frequently Asked Questions about NMIH
What is NMIH's current stock price?
NMI Holdings, Inc. (NMIH) is currently trading at $36.39 per share. The stock has moved -7.43% today.
What is the analyst price target for NMIH?
The average analyst price target for NMIH is $43.50, based on 1 analyst.
What sector is NMI Holdings, Inc. in?
NMI Holdings, Inc. operates in the Financial Services sector, specifically within the Insurance - Specialty industry. The company is traded on the NASDAQ exchange.
What is NMIH's market cap?
NMI Holdings, Inc. has a market capitalization of $2.80 billion, making it a mid-cap company.
Does NMIH pay dividends?
No, NMI Holdings, Inc. does not currently pay a dividend to shareholders.
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