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Also traded in: Germany

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash-to-Debt 0.33
NAS:NMIH's Cash-to-Debt is ranked lower than
83% of the 126 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.19 vs. NAS:NMIH: 0.33 )
Ranked among companies with meaningful Cash-to-Debt only.
NAS:NMIH' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.33  Med: No Debt Max: No Debt
Current: 0.33
Equity-to-Asset 0.57
NAS:NMIH's Equity-to-Asset is ranked higher than
94% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.27 vs. NAS:NMIH: 0.57 )
Ranked among companies with meaningful Equity-to-Asset only.
NAS:NMIH' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.57  Med: 0.9 Max: 0.96
Current: 0.57
0.57
0.96
Interest Coverage 0.77
NAS:NMIH's Interest Coverage is ranked lower than
99% of the 135 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 29.34 vs. NAS:NMIH: 0.77 )
Ranked among companies with meaningful Interest Coverage only.
NAS:NMIH' s Interest Coverage Range Over the Past 10 Years
Min: 0.77  Med: No Debt Max: No Debt
Current: 0.77
Piotroski F-Score: 6
WACC vs ROIC
12.33%
13.97%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 4/10

vs
industry
vs
history
Operating Margin % 9.35
NAS:NMIH's Operating Margin % is ranked higher than
54% of the 126 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.95 vs. NAS:NMIH: 9.35 )
Ranked among companies with meaningful Operating Margin % only.
NAS:NMIH' s Operating Margin % Range Over the Past 10 Years
Min: -9679.93  Med: -230.96 Max: 9.39
Current: 9.35
-9679.93
9.39
Net Margin % 53.74
NAS:NMIH's Net Margin % is ranked higher than
97% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 6.94 vs. NAS:NMIH: 53.74 )
Ranked among companies with meaningful Net Margin % only.
NAS:NMIH' s Net Margin % Range Over the Past 10 Years
Min: -9679.93  Med: -220.22 Max: 54.01
Current: 53.74
-9679.93
54.01
ROE % 15.36
NAS:NMIH's ROE % is ranked higher than
86% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.23 vs. NAS:NMIH: 15.36 )
Ranked among companies with meaningful ROE % only.
NAS:NMIH' s ROE % Range Over the Past 10 Years
Min: -11.59  Med: -10.99 Max: 15.36
Current: 15.36
-11.59
15.36
ROA % 8.90
NAS:NMIH's ROA % is ranked higher than
95% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.16 vs. NAS:NMIH: 8.90 )
Ranked among companies with meaningful ROA % only.
NAS:NMIH' s ROA % Range Over the Past 10 Years
Min: -10.78  Med: -10.13 Max: 8.9
Current: 8.9
-10.78
8.9
3-Year Revenue Growth Rate 150.80
NAS:NMIH's 3-Year Revenue Growth Rate is ranked higher than
99% of the 118 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 5.70 vs. NAS:NMIH: 150.80 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
NAS:NMIH' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 0  Med: 150.8 Max: 413.2
Current: 150.8
0
413.2
GuruFocus has detected 3 Warning Signs with NMI Holdings Inc $NAS:NMIH.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» NAS:NMIH's 10-Y Financials

Financials (Next Earnings Date: 2017-05-15 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q1 2016

NMIH Guru Trades in Q1 2016

Jim Simons 1,400,500 sh (+110.79%)
Howard Marks 5,816,443 sh (+2.65%)
Kyle Bass 7,371,500 sh (unchged)
Signature Select Canadian Fund Sold Out
Chuck Royce 16,450 sh (-8.61%)
» More
Q2 2016

NMIH Guru Trades in Q2 2016

Chuck Royce 303,674 sh (+1746.04%)
Jim Simons 1,495,738 sh (+6.80%)
Howard Marks 5,816,443 sh (unchged)
Kyle Bass 5,312,652 sh (-27.93%)
» More
Q3 2016

NMIH Guru Trades in Q3 2016

Chuck Royce 468,705 sh (+54.34%)
Jim Simons 1,665,900 sh (+11.38%)
Howard Marks 5,816,443 sh (unchged)
Kyle Bass 4,915,657 sh (-7.47%)
» More
Q4 2016

NMIH Guru Trades in Q4 2016

Jim Simons 2,217,700 sh (+33.12%)
Howard Marks 5,816,443 sh (unchged)
Chuck Royce 262,381 sh (-44.02%)
» More
» Details

Insider Trades

Latest Guru Trades with NMIH

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty    NAICS: 524126    SIC: 6351
Compare:NAS:KNSL, NAS:GBLI, NAS:SNC, NAS:EMCI, NYSE:UVE, NYSE:HCI, NAS:DGICB, NYSE:HRTG, NAS:BWINB, NYSE:STC, NAS:UIHC, NAS:IPCC, NAS:SAFT, NAS:UFCS, NAS:FNHC, NAS:STFC, NAS:HALL, NYSE:MBI, NAS:JRVR, NAS:AFH » details
Traded in other countries:6NM.Germany,
NMI Holdings Inc through its subsidiaries provides private mortgage guaranty insurance. The Company offers two types of mortgage insurance; Primary mortgage insurance and Pool insurance.

NMI Holdings Inc a Delaware corporation incorporated in May 2011. It provides private mortgage guaranty insurance through its wholly owned insurance subsidiaries. The company offers two types of mortgage insurance; Primary mortgage insurance and Pool insurance. It protects mortgage lenders from all or a portion of default-related losses on residential mortgage loans made to home buyers who generally make down payments of less than 20% of the home's purchase price. Its competition includes other private mortgage insurers, governmental agencies that sponsor government-backed mortgage insurance programs and other alternatives designed to eliminate the need for private mortgage insurance, such as piggy-back loans or risk sharing arrangements that do not include MI.

Top Ranked Articles about NMI Holdings Inc

Troubled Kyle Bass Reduces Stake in NMI Holdings Struggling hedge fund has experienced biggest losing streak in its history
Hayman Capital Management’s Kyle Bass (Trades, Portfolio) reduced his stake in NMI Holdings Inc. (NASDAQ:NMIH) by 27.24% on Oct. 11. Read more...

Ratios

vs
industry
vs
history
PE Ratio 10.33
NMIH's PE Ratio is ranked higher than
75% of the 139 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 15.40 vs. NMIH: 10.33 )
Ranked among companies with meaningful PE Ratio only.
NMIH' s PE Ratio Range Over the Past 10 Years
Min: 8.32  Med: 10.02 Max: 11.12
Current: 10.33
8.32
11.12
Forward PE Ratio 14.47
NMIH's Forward PE Ratio is ranked lower than
56% of the 52 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 14.79 vs. NMIH: 14.47 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 10.33
NMIH's PE Ratio without NRI is ranked higher than
77% of the 132 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 16.25 vs. NMIH: 10.33 )
Ranked among companies with meaningful PE Ratio without NRI only.
NMIH' s PE Ratio without NRI Range Over the Past 10 Years
Min: 8.32  Med: 10.02 Max: 11.12
Current: 10.33
8.32
11.12
Price-to-Owner-Earnings 6.22
NMIH's Price-to-Owner-Earnings is ranked higher than
80% of the 82 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.89 vs. NMIH: 6.22 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
NMIH' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 5.01  Med: 6.04 Max: 6.7
Current: 6.22
5.01
6.7
PB Ratio 1.37
NMIH's PB Ratio is ranked lower than
52% of the 141 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.38 vs. NMIH: 1.37 )
Ranked among companies with meaningful PB Ratio only.
NMIH' s PB Ratio Range Over the Past 10 Years
Min: 0.66  Med: 1.15 Max: 1.64
Current: 1.37
0.66
1.64
PS Ratio 5.43
NMIH's PS Ratio is ranked lower than
95% of the 134 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.07 vs. NMIH: 5.43 )
Ranked among companies with meaningful PS Ratio only.
NMIH' s PS Ratio Range Over the Past 10 Years
Min: 3.61  Med: 13.63 Max: 103.15
Current: 5.43
3.61
103.15
Price-to-Free-Cash-Flow 11.01
NMIH's Price-to-Free-Cash-Flow is ranked lower than
65% of the 96 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.00 vs. NMIH: 11.01 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
NMIH' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 5.2  Med: 8.54 Max: 55.16
Current: 11.01
5.2
55.16
Price-to-Operating-Cash-Flow 9.25
NMIH's Price-to-Operating-Cash-Flow is ranked lower than
52% of the 103 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.40 vs. NMIH: 9.25 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
NMIH' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 4.5  Med: 7.28 Max: 33.63
Current: 9.25
4.5
33.63
EV-to-EBIT 26.19
NMIH's EV-to-EBIT is ranked lower than
92% of the 121 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.42 vs. NMIH: 26.19 )
Ranked among companies with meaningful EV-to-EBIT only.
NMIH' s EV-to-EBIT Range Over the Past 10 Years
Min: -253.8  Med: -9.95 Max: 45
Current: 26.19
-253.8
45
EV-to-EBITDA 21.55
NMIH's EV-to-EBITDA is ranked lower than
91% of the 122 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.33 vs. NMIH: 21.55 )
Ranked among companies with meaningful EV-to-EBITDA only.
NMIH' s EV-to-EBITDA Range Over the Past 10 Years
Min: -31.8  Med: -11.05 Max: 160.9
Current: 21.55
-31.8
160.9

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio -0.60
NMIH's 3-Year Average Share Buyback Ratio is ranked lower than
56% of the 80 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.30 vs. NMIH: -0.60 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
NMIH' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -15.8  Med: -0.6 Max: 0
Current: -0.6
-15.8
0

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.38
NMIH's Price-to-Tangible-Book is ranked higher than
55% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.55 vs. NMIH: 1.38 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
NMIH' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 1  Med: 1.3 Max: 1.61
Current: 1.38
1
1.61
Price-to-Median-PS-Value 0.40
NMIH's Price-to-Median-PS-Value is ranked higher than
96% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.06 vs. NMIH: 0.40 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
NMIH' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.38  Med: 1.14 Max: 7.36
Current: 0.4
0.38
7.36
Price-to-Graham-Number 0.80
NMIH's Price-to-Graham-Number is ranked higher than
70% of the 114 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.09 vs. NMIH: 0.80 )
Ranked among companies with meaningful Price-to-Graham-Number only.
NMIH' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.76  Med: 0.76 Max: 0.85
Current: 0.8
0.76
0.85
Earnings Yield (Greenblatt) % 3.82
NMIH's Earnings Yield (Greenblatt) % is ranked lower than
81% of the 135 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.10 vs. NMIH: 3.82 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
NMIH' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 2.2  Med: 3.7 Max: 4.6
Current: 3.82
2.2
4.6

More Statistics

Revenue (TTM) (Mil) $122.5
EPS (TTM) $ 1.07
Beta0.69
Short Percentage of Float1.21%
52-Week Range $4.56 - 12.40
Shares Outstanding (Mil)59.15

Analyst Estimate

Dec17 Dec18
Revenue (Mil $) 191 252
EPS ($) 0.75 1.23
EPS without NRI ($) 0.75 1.23
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($)
» More Articles for NMIH

Headlines

Articles On GuruFocus.com
Troubled Kyle Bass Reduces Stake in NMI Holdings Oct 14 2016 
Kyle Bass Adds to His Stake in NMI Holdings, Inc. Aug 10 2015 
Weekly CFO Buys Highlight: NMI Holdings Inc., LKQ Corp., Tronox Ltd. Aug 10 2015 
Energy Acquisitions Fill Kyle Bass' 10 Most Valuable Stakes List in First Quarter Jun 08 2015 
Howard Marks Keeps Buying Stock Dropping to Two-Year Low Mar 07 2015 

More From Other Websites
National MI to Host Leadership Roundtable in Northern California Mar 23 2017
NMI Holdings, Inc. breached its 50 day moving average in a Bearish Manner : NMIH-US : March 22, 2017 Mar 22 2017
National Mortgage Insurance Corporation -- Moody's upgrades National Mortgage Insurance Corporation... Mar 21 2017
NMI HOLDINGS, INC. Files SEC form 8-K, Change in Directors or Principal Officers Feb 23 2017
NMI HOLDINGS, INC. Financials Feb 23 2017
National MI's Robin Logan, Jason Wroble Named to Local MBA Boards Feb 23 2017
NMI Holdings, Inc. :NMIH-US: Earnings Analysis: Q4, 2016 By the Numbers : February 22, 2017 Feb 22 2017
NMI HOLDINGS, INC. Files SEC form 10-K, Annual Report Feb 17 2017
Edited Transcript of NMIH earnings conference call or presentation 15-Feb-17 10:00pm GMT Feb 15 2017
NMI HOLDINGS, INC. Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Feb 15 2017
NMI Holdings posts 4Q profit Feb 15 2017
NMI Holdings posts 4Q profit Feb 15 2017
NMI Holdings, Inc. Reports Fourth Quarter Net Income of $61.6 Million Feb 15 2017
[2/15] Today's Top 10 Long/Short Estimize Signal Scores Feb 15 2017
Q4 2016 NMI Holdings Inc Earnings Release - After Market Close Feb 15 2017
NMI HOLDINGS, INC. Files SEC form 8-K, Entry into a Material Definitive Agreement Feb 10 2017
NMI Holdings, Inc. Reduces Interest Rate and Extends Maturity of Term Loan Feb 10 2017
[2/7] Today's Top 10 Long/Short Estimize Signal Scores Feb 07 2017
NMI HOLDINGS, INC. Files SEC form 8-K, Change in Directors or Principal Officers Feb 03 2017
Glenn Farrell to Step Down as Chief Financial Officer of NMI Holdings, Inc. as of May 2017; Adam... Feb 03 2017
NMI Holdings, Inc. to Announce Fourth Quarter 2016 Financial Results on February 15, 2017 Jan 19 2017
National MI Helps Mortgage Lenders Reach Out to Multicultural Home Buyers Jan 17 2017
Enstar Group's Unit Adds Dana Companies to its Portfolio Jan 02 2017
NMI Holdings, Inc. Reports Record Third Quarter Net Income of $6.2 Million Nov 01 2016
NMI Holdings, Inc. to Announce Third Quarter 2016 Financial Results on November 1, 2016 Oct 14 2016
NMI Holdings, Inc. to Hold Investor Day on November 18 in New York City Oct 06 2016
NMI Holdings, Inc. Reports Second Quarter Net Income of $2 Million, Enters Into Reinsurance Treaty... Aug 02 2016
NMI Holdings, Inc. to Announce Second Quarter 2016 Financial Results on August 2, 2016 Jul 15 2016
NMI Holdings, Inc. to Present at Keefe, Bruyette & Woods 2016 Mortgage Finance Conference on June 1 May 18 2016
NMI Holdings, Inc. Reports First Quarter 2016 Financial Results, Monthly Premium New Insurance... Apr 26 2016
NMI Holdings, Inc. to Announce First Quarter 2016 Financial Results on April 26, 2016 Apr 14 2016
National MI Surpasses 1000 Lender Customers Mar 31 2016

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