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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
68% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.35 vs. NMIH: No Debt )
Ranked among companies with meaningful Cash to Debt only.
NMIH' s 10-Year Cash to Debt Range
Min: N/A  Med: 10000.00 Max: No Debt
Current: No Debt

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N/A
No Debt
Equity to Asset 0.88
NMIH's Equity to Asset is ranked higher than
98% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.27 vs. NMIH: 0.88 )
Ranked among companies with meaningful Equity to Asset only.
NMIH' s 10-Year Equity to Asset Range
Min: 0.88  Med: 0.95 Max: 0.98
Current: 0.88
0.88
0.98
Interest Coverage No Debt
NMIH's Interest Coverage is ranked higher than
63% of the 112 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 36.81 vs. NMIH: No Debt )
Ranked among companies with meaningful Interest Coverage only.
NMIH' s 10-Year Interest Coverage Range
Min: 9999.99  Med: 10000.00 Max: 9999.99
Current: No Debt
F-Score: 4
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 : 1/10

vs
industry
vs
history
Operating margin (%) -116.24
NMIH's Operating margin (%) is ranked lower than
99% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.40 vs. NMIH: -116.24 )
Ranked among companies with meaningful Operating margin (%) only.
NMIH' s 10-Year Operating margin (%) Range
Min: -9679.93  Med: -992.52 Max: -230.96
Current: -116.24
-9679.93
-230.96
Net-margin (%) -113.10
NMIH's Net-margin (%) is ranked lower than
100% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.58 vs. NMIH: -113.10 )
Ranked among companies with meaningful Net-margin (%) only.
NMIH' s 10-Year Net-margin (%) Range
Min: -9679.93  Med: -992.52 Max: -220.22
Current: -113.1
-9679.93
-220.22
ROE (%) -9.15
NMIH's ROE (%) is ranked lower than
94% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.46 vs. NMIH: -9.15 )
Ranked among companies with meaningful ROE (%) only.
NMIH' s 10-Year ROE (%) Range
Min: -11.59  Med: -11.28 Max: -10.99
Current: -9.15
-11.59
-10.99
ROA (%) -8.43
NMIH's ROA (%) is ranked lower than
97% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.77 vs. NMIH: -8.43 )
Ranked among companies with meaningful ROA (%) only.
NMIH' s 10-Year ROA (%) Range
Min: -10.78  Med: -10.36 Max: -10.13
Current: -8.43
-10.78
-10.13
» NMIH's 10-Y Financials

Financials


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

» Details

Guru Trades

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)
Signature Select Canadian Fund 388,928 sh (-14.90%)
» More
Q2 2015

NMIH Guru Trades in Q2 2015

Howard Marks 5,364,208 sh (+44.32%)
Jim Simons 293,982 sh (+36.24%)
Kyle Bass 5,496,500 sh (unchged)
» More
2015

NMIH Guru Trades in 2015

Kyle Bass 7,371,500 sh (+34.11%)
» 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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Top Ranked Articles about NMI Holdings Inc

Energy Acquisitions Fill Kyle Bass' 10 Most Valuable Stakes List in First Quarter
Kyle Bass (Trades, Portfolio), founder of Dallas, Texas-based hedge fund Hayman Capital Management, has built a reputation for predicting and benefiting from economic events, such as the subprime mortgage crisis and the European sovereign-debt crisis. Read more...
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. (NASDAQ:NMIH) as its stock posted an almost 20% total decline year to date. Read more...

Ratios

vs
industry
vs
history
Forward P/E 46.73
NMIH's Forward P/E is ranked lower than
99% of the 76 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 13.05 vs. NMIH: 46.73 )
Ranked among companies with meaningful Forward P/E only.
N/A
P/B 1.20
NMIH's P/B is ranked higher than
55% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.25 vs. NMIH: 1.20 )
Ranked among companies with meaningful P/B only.
NMIH' s 10-Year P/B Range
Min: 1  Med: 1.24 Max: 1.64
Current: 1.2
1
1.64
P/S 13.92
NMIH's P/S is ranked lower than
98% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.07 vs. NMIH: 13.92 )
Ranked among companies with meaningful P/S only.
NMIH' s 10-Year P/S Range
Min: 13.14  Med: 29.83 Max: 131
Current: 13.92
13.14
131
Days Sales Outstanding 29.07
NMIH's Days Sales Outstanding is ranked higher than
88% of the 78 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 87.94 vs. NMIH: 29.07 )
Ranked among companies with meaningful Days Sales Outstanding only.
NMIH' s 10-Year Days Sales Outstanding Range
Min: 1.25  Med: 9.24 Max: 17.22
Current: 29.07
1.25
17.22

Valuation & Return

vs
industry
vs
history
Price/Net Cash 48.47
NMIH's Price/Net Cash is ranked lower than
100% of the 5 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.56 vs. NMIH: 48.47 )
Ranked among companies with meaningful Price/Net Cash only.
NMIH' s 10-Year Price/Net Cash Range
Min: 4.75  Med: 19.58 Max: 50
Current: 48.47
4.75
50
Price/Tangible Book 1.19
NMIH's Price/Tangible Book is ranked higher than
61% of the 124 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.40 vs. NMIH: 1.19 )
Ranked among companies with meaningful Price/Tangible Book only.
NMIH' s 10-Year Price/Tangible Book Range
Min: 1.04  Med: 1.26 Max: 1.61
Current: 1.19
1.04
1.61
Price/Median PS Value 0.47
NMIH's Price/Median PS Value is ranked higher than
96% of the 126 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.02 vs. NMIH: 0.47 )
Ranked among companies with meaningful Price/Median PS Value only.
NMIH' s 10-Year Price/Median PS Value Range
Min: 0.45  Med: 0.96 Max: 4.26
Current: 0.47
0.45
4.26
Earnings Yield (Greenblatt) (%) -9.61
NMIH's Earnings Yield (Greenblatt) (%) is ranked lower than
92% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.80 vs. NMIH: -9.61 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
NMIH' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: -19.2  Med: 0.00 Max: 0
Current: -9.61
-19.2
0

Analyst Estimate

Dec15 Dec16
Revenue(Mil) 50 100
EPS($) -0.55 0.18
EPS without NRI($) -0.55 0.18

Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty
Compare: » details
Traded in other countries:6NM.Germany,
» More Articles for NMIH

Headlines

Articles On GuruFocus.com
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, ISGN to Co-host Mortgage Leadership Roundtable Sep 01 2015
Should Hallmark Financial (HALL) Be in Your Portfolio Now? Aug 28 2015
Edited Transcript of NMIH earnings conference call or presentation 4-Aug-15 9:00pm GMT Aug 26 2015
National MI's T.J. Lile Appointed to Colorado Mortgage Lenders Association Board of Directors Aug 20 2015
National MI's T.J. Lile Appointed to Colorado Mortgage Lenders Association Board of Directors Aug 20 2015
Key Insider Buying in Twitter, Level 3, Sears, MBIA and More Aug 15 2015
NMI HOLDINGS, INC. Financials Aug 12 2015
National MI's Claudia Merkle Recognized as Industry Leader by MReport Aug 05 2015
NMI Hldgs upgraded by JMP Securities Aug 05 2015
NMI HOLDINGS, INC. Files SEC form 10-Q, Quarterly Report Aug 05 2015
NMI Holdings reports 2Q loss Aug 04 2015
NMI Holdings reports 2Q loss Aug 04 2015
NMI Holdings Inc Earnings Call scheduled for 5:00 pm ET today Aug 04 2015
NMI Holdings, Inc. Reports Second Quarter 2015 Financial Results, New Insurance Written Grows 50%... Aug 04 2015
NMI HOLDINGS, INC. Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Aug 04 2015
NMI Holdings, Inc. Reports Second Quarter 2015 Financial Results, New Insurance Written Grows 50%... Aug 04 2015
Q2 2015 NMI Holdings Inc Earnings Release - After Market Close Aug 04 2015
Edited Transcript of NMIH earnings conference call or presentation 5-May-15 9:00pm GMT Jul 27 2015
National Mortgage Insurance Corporation Receives Investment Grade Rating From Standard & Poor's Jul 21 2015
National Mortgage Insurance Corporation Receives Investment Grade Rating From Standard & Poor's Jul 21 2015

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