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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 : 5/10

vs
industry
vs
history
Cash-to-Debt 0.71
NMIH's Cash-to-Debt is ranked lower than
91% of the 132 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.82 vs. NMIH: 0.71 )
Ranked among companies with meaningful Cash-to-Debt only.
NMIH' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.09  Med: No Debt Max: No Debt
Current: 0.71
0.09
No Debt
Equity-to-Asset 0.61
NMIH's Equity-to-Asset is ranked higher than
92% of the 132 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.25 vs. NMIH: 0.61 )
Ranked among companies with meaningful Equity-to-Asset only.
NMIH' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.54  Med: 0.86 Max: 0.98
Current: 0.61
0.54
0.98
Debt-to-Equity 0.24
NMIH's Debt-to-Equity is ranked lower than
63% of the 83 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9999.00 vs. NMIH: 0.24 )
Ranked among companies with meaningful Debt-to-Equity only.
NMIH' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.24  Med: 0.3 Max: 0.36
Current: 0.24
0.24
0.36
Debt-to-EBITDA 1.55
NMIH's Debt-to-EBITDA is ranked lower than
58% of the 78 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.62 vs. NMIH: 1.55 )
Ranked among companies with meaningful Debt-to-EBITDA only.
NMIH' s Debt-to-EBITDA Range Over the Past 10 Years
Min: -6.9  Med: 1.97 Max: 4.52
Current: 1.55
-6.9
4.52
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
Net Margin % 19.29
NMIH's Net Margin % is ranked higher than
77% of the 133 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 6.25 vs. NMIH: 19.29 )
Ranked among companies with meaningful Net Margin % only.
NMIH' s Net Margin % Range Over the Past 10 Years
Min: -9679.93  Med: -135.15 Max: 52.5
Current: 19.29
-9679.93
52.5
ROE % 7.48
NMIH's ROE % is ranked lower than
70% of the 133 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.75 vs. NMIH: 7.48 )
Ranked among companies with meaningful ROE % only.
NMIH' s ROE % Range Over the Past 10 Years
Min: -11.59  Med: -8.85 Max: 14.57
Current: 7.48
-11.59
14.57
ROA % 4.35
NMIH's ROA % is ranked higher than
60% of the 133 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.09 vs. NMIH: 4.35 )
Ranked among companies with meaningful ROA % only.
NMIH' s ROA % Range Over the Past 10 Years
Min: -10.78  Med: -7.54 Max: 8.52
Current: 4.35
-10.78
8.52
3-Year Revenue Growth Rate 96.10
NMIH's 3-Year Revenue Growth Rate is ranked higher than
98% of the 126 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 6.30 vs. NMIH: 96.10 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
NMIH' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 0  Med: 123.45 Max: 413.2
Current: 96.1
0
413.2
GuruFocus has detected 1 Warning Sign with NMI Holdings Inc NMIH.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» NMIH's 30-Y Financials

Financials (Next Earnings Date: 2018-08-01)


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

» Details

Guru Trades

Q2 2017

NMIH Guru Trades in Q2 2017

Chuck Royce 246,481 sh (+6.02%)
Jim Simons 2,024,900 sh (+2.23%)
Howard Marks 5,816,443 sh (unchged)
» More
Q3 2017

NMIH Guru Trades in Q3 2017

Chuck Royce 299,751 sh (+21.61%)
Howard Marks 5,816,443 sh (unchged)
Jim Simons 1,922,400 sh (-5.06%)
» More
Q4 2017

NMIH Guru Trades in Q4 2017

PRIMECAP Management 50,000 sh (New)
Jim Simons 2,029,453 sh (+5.57%)
Howard Marks 5,681,992 sh (-2.31%)
Chuck Royce 275,636 sh (-8.05%)
» More
Q1 2018

NMIH Guru Trades in Q1 2018

PRIMECAP Management 726,810 sh (+1353.62%)
Howard Marks 5,681,992 sh (unchged)
Chuck Royce 244,081 sh (-11.45%)
Jim Simons 1,736,545 sh (-14.43%)
» 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:NYSE:STC, NAS:KNSL, NAS:JRVR, NAS:AMSF, NYSE:UVE, NAS:SAFT, NAS:UFCS, XKRX:000370, MEX:Q, NAS:STFC, BKK:BKI, NAS:IPCC, NAS:UIHC, NYSE:MBI, TSE:8715, NAS:EMCI, BKK:TIP, NAS:GBLI, OCSE:ALMB, NAS:AGII » details
Traded in other countries:6NM.Germany,
Headquarter Location:USA
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 provides private mortgage guaranty insurance through its wholly owned subsidiaries. The company's primary subsidiary, National Mortgage Insurance, offers mortgage insurance on loans purchased by government-sponsored enterprises. National Mortgage Reinsurance Inc. One, the company's reinsurance business, reinsures certain loans insured by National Mortgage Insurance. Other subsidiaries offer outsourced loan review services to mortgage loan originators. NMI Holdings operates in the United States.

Ratios

vs
industry
vs
history
PE Ratio 28.00
NMIH's PE Ratio is ranked lower than
92% of the 112 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 17.27 vs. NMIH: 28.00 )
Ranked among companies with meaningful PE Ratio only.
NMIH' s PE Ratio Range Over the Past 10 Years
Min: 7.55  Med: 10.14 Max: 59.03
Current: 28
7.55
59.03
Forward PE Ratio 11.40
NMIH's Forward PE Ratio is ranked higher than
56% of the 45 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 14.79 vs. NMIH: 11.40 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 28.00
NMIH's PE Ratio without NRI is ranked lower than
93% of the 112 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 17.60 vs. NMIH: 28.00 )
Ranked among companies with meaningful PE Ratio without NRI only.
NMIH' s PE Ratio without NRI Range Over the Past 10 Years
Min: 7.55  Med: 10.14 Max: 59.03
Current: 28
7.55
59.03
Price-to-Owner-Earnings 16.45
NMIH's Price-to-Owner-Earnings is ranked lower than
95% of the 84 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.52 vs. NMIH: 16.45 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
NMIH' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 5.35  Med: 7.94 Max: 28.45
Current: 16.45
5.35
28.45
PB Ratio 1.88
NMIH's PB Ratio is ranked lower than
80% of the 133 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.43 vs. NMIH: 1.88 )
Ranked among companies with meaningful PB Ratio only.
NMIH' s PB Ratio Range Over the Past 10 Years
Min: 0.66  Med: 1.25 Max: 2.53
Current: 1.88
0.66
2.53
PS Ratio 5.38
NMIH's PS Ratio is ranked lower than
95% of the 133 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.22 vs. NMIH: 5.38 )
Ranked among companies with meaningful PS Ratio only.
NMIH' s PS Ratio Range Over the Past 10 Years
Min: 3.61  Med: 6.43 Max: 103.97
Current: 5.38
3.61
103.97
Price-to-Free-Cash-Flow 12.75
NMIH's Price-to-Free-Cash-Flow is ranked lower than
77% of the 88 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.17 vs. NMIH: 12.75 )
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: 5.21  Med: 11.68 Max: 55.16
Current: 12.75
5.21
55.16
Price-to-Operating-Cash-Flow 11.78
NMIH's Price-to-Operating-Cash-Flow is ranked lower than
73% of the 98 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.59 vs. NMIH: 11.78 )
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: 4.51  Med: 9.8 Max: 33.63
Current: 11.78
4.51
33.63
EV-to-EBIT 13.45
NMIH's EV-to-EBIT is ranked lower than
77% of the 113 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.73 vs. NMIH: 13.45 )
Ranked among companies with meaningful EV-to-EBIT only.
NMIH' s EV-to-EBIT Range Over the Past 10 Years
Min: -1489.6  Med: 19.4 Max: 98.8
Current: 13.45
-1489.6
98.8
EV-to-EBITDA 12.46
NMIH's EV-to-EBITDA is ranked lower than
76% of the 116 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.20 vs. NMIH: 12.46 )
Ranked among companies with meaningful EV-to-EBITDA only.
NMIH' s EV-to-EBITDA Range Over the Past 10 Years
Min: 10.2  Med: 18.6 Max: 572.9
Current: 12.46
10.2
572.9
EV-to-Revenue 5.77
NMIH's EV-to-Revenue is ranked lower than
98% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.19 vs. NMIH: 5.77 )
Ranked among companies with meaningful EV-to-Revenue only.
NMIH' s EV-to-Revenue Range Over the Past 10 Years
Min: 4.3  Med: 6.8 Max: 97.9
Current: 5.77
4.3
97.9

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio -1.20
NMIH's 3-Year Average Share Buyback Ratio is ranked lower than
67% of the 87 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.40 vs. NMIH: -1.20 )
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: -0.9 Max: 0
Current: -1.2
-15.8
0

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.85
NMIH's Price-to-Tangible-Book is ranked lower than
75% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.70 vs. NMIH: 1.85 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
NMIH' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.73  Med: 1.3 Max: 2.04
Current: 1.85
0.73
2.04
Price-to-Intrinsic-Value-Projected-FCF 1.81
NMIH's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
99.99% of the 92 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.84 vs. NMIH: 1.81 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
NMIH' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 1.69  Med: 1.87 Max: 1.99
Current: 1.81
1.69
1.99
Price-to-Median-PS-Value 0.83
NMIH's Price-to-Median-PS-Value is ranked higher than
66% of the 119 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.18 vs. NMIH: 0.83 )
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: 0.58  Med: 1.01 Max: 15.72
Current: 0.83
0.58
15.72
Price-to-Graham-Number 1.52
NMIH's Price-to-Graham-Number is ranked lower than
90% of the 100 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.17 vs. NMIH: 1.52 )
Ranked among companies with meaningful Price-to-Graham-Number only.
NMIH' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.75  Med: 0.78 Max: 2.07
Current: 1.52
0.75
2.07
Earnings Yield (Greenblatt) % 7.48
NMIH's Earnings Yield (Greenblatt) % is ranked lower than
66% of the 132 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 6.78 vs. NMIH: 7.48 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
NMIH' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -0.1  Med: 4.7 Max: 9
Current: 7.48
-0.1
9

More Statistics

Revenue (TTM) (Mil) $201.75
EPS (TTM) $ 0.61
Beta0.99
Volatility43.03%
52-Week Range $10.10 - 21.92
Shares Outstanding (Mil)65.57

Analyst Estimate

Dec18 Dec19 Dec20
Revenue (Mil $) 265 348 407
EBIT (Mil $)
EBITDA (Mil $)
EPS ($) 1.49 2.24 2.68
EPS without NRI ($) 1.49 2.24 2.68
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($)

Piotroski F-Score Details

Piotroski F-Score: ----
Positive ROAN
Positive CFROAN
Higher ROA yoyN
CFROA > ROAN
Lower Leverage yoyN
Higher Current Ratio yoyN
Less Shares Outstanding yoyN
Higher Gross Margin yoyN
Higher Asset Turnover yoyN

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