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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 : 8/10

vs
industry
vs
history
Cash to Debt No Debt
NMIH's Cash to Debt is ranked higher than
67% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.39 vs. NMIH: No Debt )
NMIH' s 10-Year Cash to Debt Range
Min: No Debt   Max: No Debt
Current: No Debt

Equity to Asset 0.92
NMIH's Equity to Asset is ranked higher than
98% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.28 vs. NMIH: 0.92 )
NMIH' s 10-Year Equity to Asset Range
Min: 0.9   Max: 0.98
Current: 0.92

0.9
0.98
Interest Coverage No Debt
NMIH's Interest Coverage is ranked higher than
61% of the 111 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 41.04 vs. NMIH: No Debt )
NMIH' s 10-Year Interest Coverage Range
Min: 9999.99   Max: 9999.99
Current: No Debt

Z-Score: 6.63
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 : 2/10

vs
industry
vs
history
Operating margin (%) -156.24
NMIH's Operating margin (%) is ranked lower than
99% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.30 vs. NMIH: -156.24 )
NMIH' s 10-Year Operating margin (%) Range
Min: -9679.93   Max: -230.96
Current: -156.24

-9679.93
-230.96
Net-margin (%) -146.97
NMIH's Net-margin (%) is ranked lower than
100% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.51 vs. NMIH: -146.97 )
NMIH' s 10-Year Net-margin (%) Range
Min: -9679.93   Max: -220.22
Current: -146.97

-9679.93
-220.22
ROE (%) -9.55
NMIH's ROE (%) is ranked lower than
93% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.00 vs. NMIH: -9.55 )
NMIH' s 10-Year ROE (%) Range
Min: -11.59   Max: -10.99
Current: -9.55

-11.59
-10.99
ROA (%) -8.95
NMIH's ROA (%) is ranked lower than
97% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.87 vs. NMIH: -8.95 )
NMIH' s 10-Year ROA (%) Range
Min: -10.78   Max: -10.13
Current: -8.95

-10.78
-10.13
ROC (Joel Greenblatt) (%) -403.50
NMIH's ROC (Joel Greenblatt) (%) is ranked lower than
95% of the 104 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 253.35 vs. NMIH: -403.50 )
NMIH' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -728.24   Max: -496.01
Current: -403.5

-728.24
-496.01
» NMIH's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q2 2014

NMIH Guru Trades in Q2 2014

Kyle Bass 5,496,500 sh (unchged)
Chuck Royce Sold Out
Richard Perry 4,479,833 sh (-2.87%)
» More
Q3 2014

NMIH Guru Trades in Q3 2014

Howard Marks 600,300 sh (New)
Signature Select Canadian Fund 457,050 sh (+6.23%)
Kyle Bass 5,496,500 sh (unchged)
Richard Perry 2,216,659 sh (-50.52%)
» More
Q4 2014

NMIH Guru Trades in Q4 2014

Howard Marks 2,689,080 sh (+347.96%)
Kyle Bass 5,496,500 sh (unchged)
Richard Perry Sold Out
Richard Perry Sold Out
» More
Q1 2015

NMIH Guru Trades in Q1 2015

Jim Simons 215,778 sh (New)
Howard Marks 3,716,774 sh (+38.22%)
Howard Marks 3,422,674 sh (+27.28%)
Kyle Bass 5,496,500 sh (unchged)
» 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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» Interactive Charts

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Top Ranked Articles about NMI Holdings Inc

Howard Marks Keeps Buying Stock Dropping to Two-Year Low
Howard Marks (Trades, Portfolio), the chairman of Oaktree Capital who calls his investing approach “entirely bottom-up,” is continuing to build a stake in private mortgage insurer NMI Holdings Inc. (NMIH) as its stock posted an almost 20% total decline year to date. Read more...

Ratios

vs
industry
vs
history
Forward P/E 40.00
NMIH's Forward P/E is ranked lower than
104% of the 83 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.35 vs. NMIH: 40.00 )
N/A
P/B 1.10
NMIH's P/B is ranked lower than
55% of the 119 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.10 vs. NMIH: 1.10 )
NMIH' s 10-Year P/B Range
Min: 1   Max: 1.64
Current: 1.1

1
1.64
P/S 16.45
NMIH's P/S is ranked lower than
151% of the 118 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.96 vs. NMIH: 16.45 )
NMIH' s 10-Year P/S Range
Min: 14.94   Max: 131
Current: 16.45

14.94
131
Days Sales Outstanding 21.41
NMIH's Days Sales Outstanding is ranked higher than
90% of the 78 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 87.26 vs. NMIH: 21.41 )
NMIH' s 10-Year Days Sales Outstanding Range
Min: 1.25   Max: 17.22
Current: 21.41

1.25
17.22

Valuation & Return

vs
industry
vs
history
Price/Net Cash 16.60
NMIH's Price/Net Cash is ranked lower than
150% of the 4 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.80 vs. NMIH: 16.60 )
NMIH' s 10-Year Price/Net Cash Range
Min: 4.75   Max: 50
Current: 16.6

4.75
50
Price/Net Current Asset Value 16.00
NMIH's Price/Net Current Asset Value is ranked lower than
120% of the 5 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.70 vs. NMIH: 16.00 )
NMIH' s 10-Year Price/Net Current Asset Value Range
Min: 0   Max: 0
Current: 16

Price/Tangible Book 1.10
NMIH's Price/Tangible Book is ranked higher than
54% of the 114 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.00 vs. NMIH: 1.10 )
NMIH' s 10-Year Price/Tangible Book Range
Min: 1.26   Max: 1.61
Current: 1.1

1.26
1.61
Price/Median PS Value 0.40
NMIH's Price/Median PS Value is ranked higher than
97% of the 123 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.00 vs. NMIH: 0.40 )
NMIH' s 10-Year Price/Median PS Value Range
Min: 0.36   Max: 3.02
Current: 0.4

0.36
3.02
Earnings Yield (Greenblatt) -10.90
NMIH's Earnings Yield (Greenblatt) is ranked lower than
117% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.80 vs. NMIH: -10.90 )
NMIH' s 10-Year Earnings Yield (Greenblatt) Range
Min: -19.2   Max: 0
Current: -10.9

-19.2
0
» More Articles for NMIH

Headlines

Articles On GuruFocus.com
Howard Marks Keeps Buying Stock Dropping to Two-Year Low Mar 07 2015 

More From Other Websites
NMI Holdings, Inc. to Present at Keefe, Bruyette & Woods 2015 Mortgage Finance Conference May 27 2015
NMI Holdings, Inc. to Present at Keefe, Bruyette & Woods 2015 Mortgage Finance Conference May 27 2015
NMI HOLDINGS, INC. Files SEC form 8-K, Submission of Matters to a Vote of Security Holders May 18 2015
NMI HOLDINGS, INC. Financials May 15 2015
National MI's Adam Isbell Appointed to Texas MBA Board of Directors May 14 2015
NMI HOLDINGS, INC. Files SEC form 10-Q, Quarterly Report May 06 2015
NMI Holdings reports 1Q loss May 05 2015
NMI Holdings reports 1Q loss May 05 2015
NMI Holdings Inc Earnings Call scheduled for 5:00 pm ET today May 05 2015
NMI Holdings, Inc. Reports First Quarter 2015 Financial Results, Flow NIW Grows 23% Sequentially May 05 2015
NMI HOLDINGS, INC. Files SEC form 8-K, Results of Operations and Financial Condition, Financial... May 05 2015
NMI Holdings, Inc. Reports First Quarter 2015 Financial Results, Flow NIW Grows 23% Sequentially May 05 2015
Q1 2015 NMI Holdings Inc Earnings Release - After Market Close May 05 2015
NMI HOLDINGS, INC. Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Apr 20 2015
Radian, MGIC Investment climb after final mortgage-insurer rules Apr 20 2015
National MI Comments on New Private MI Eligibility Standards Apr 17 2015
National MI Comments on New Private MI Eligibility Standards Apr 17 2015
NMI Holdings, Inc. To Webcast First Quarter Financial Results On May 5, 2015 Apr 17 2015
NMI Holdings, Inc. To Webcast First Quarter Financial Results On May 5, 2015 Apr 17 2015
National MI Named as One of Top Ten Best Places to Work in the San Francisco Bay Area Apr 16 2015

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