NMI HoldingsNMIH +0.52%82 FCF Yield % is 13.80 as of Jun. 29, 2026, which is 6% above its 10-year median of 13.05. GuruFocus rates NMIH with a GF Score™ of 82/100 and a GF Value™ of $39.78 (Fairly Valued). The stock has 3 warning signs investors should review. Among 508 Insurance companies, NMI Holdings ranks better than 70.87% on this metric.
FCF Yield % is calculated as Free Cash Flow divided by Market Capitalization. It is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, FCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high free cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
NMI Holdings FCF Yield % Related Terms
NMI Holdings FCF Yield % Historical Data
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The historical data trend for NMI Holdings's FCF Yield % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Insurance - Specialty subindustry, NMI Holdings's FCF Yield %, along with its competitors' market caps and FCF Yield % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
NMI Holdings FCF Yield % vs Insurance Industry
For the Insurance industry and Financial Services sector, NMI Holdings's FCF Yield % distribution charts can be found below:
* The bar in red indicates where NMI Holdings's FCF Yield % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
NMI Holdings (NMIH) has a FCF Yield % of 13.80 as of Jun. 29, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on NMI Holdings and its competitors. This is near median its historical median of 13.05. Over the past decade, NMI Holdings' FCF Yield % has ranged from 4.61 to 31.83. According to the industry distribution chart, NMI Holdings ranks #148 out of 508 companies in the Insurance industry, placing it in the top 29.1%.
Is NMI Holdings' FCF Yield % too high?
NMI Holdings' current FCF Yield % of 13.80 is near median its 10-year median of 13.05. Over the past 10 years, this metric has ranged from a low of 4.61 to a high of 31.83. The Insurance industry median FCF Yield % is 7.08. NMI Holdings' value of 13.80 is 95.1% above this industry median. Based on the distribution chart, NMI Holdings ranks #148 out of 508 companies in the Insurance industry, which is above the industry midpoint. Overall, NMI Holdings has a GF Score™ of 82/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does NMI Holdings' FCF Yield % compare to AGO and RDN?
According to the Insurance industry distribution chart, NMI Holdings ranks #148 out of 508 companies for FCF Yield %. This puts NMI Holdings in the upper half of its industry. The industry median FCF Yield % is 7.08. NMI Holdings' value of 13.80 is 95.1% above this benchmark. Historically, NMI Holdings' own FCF Yield % has ranged from 4.61 to 31.83 over the past decade. While the company's 10-year median is 13.05 vs. the industry median of 7.08, NMI Holdings has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Yield % for an Insurance company?
The median FCF Yield % among Insurance companies is 7.08, based on 508 companies in the industry. Companies in the top quartile (top 25%) have a FCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, FCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. NMI Holdings's current FCF Yield % of 13.80 is 95.1% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high FCF Yield % mean?
A high FCF Yield % can signal that a stock is expensive relative to its fundamentals. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on NMI Holdings and its competitors. For the Insurance industry, the median FCF Yield % is 7.08 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. NMI Holdings's current FCF Yield % is 13.80, which is near median its own 10-year median of 13.05. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is NMI Holdings stock overvalued right now?
Based on GuruFocus' analysis, NMI Holdings (NMIH) is currently considered Fairly Valued. The stock's GF Value™ is $39.78, compared to a current price of $40.83 — trading 2.6% above its estimated fair value. The current FCF Yield % is 13.80, which is near median its 10-year median of 13.05 and 95.1% above the Insurance industry median of 7.08. NMI Holdings' overall GF Score™ is 82/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Yield % calculated?
FCF Yield % is calculated from a company's financial statements. For NMI Holdings (NMIH), the current FCF Yield % is 13.80 as of Jun. 29, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is NMI Holdings (NMIH) Overvalued in 2026?
Based on GuruFocus' analysis, NMI Holdings stock appears to be overvalued.
The current stock price of $40.83 is trading 2.6% above its estimated GF Value™ of $39.78.
GuruFocus considers NMI Holdings to be Fairly Valued.
Key valuation signals for NMIH:
FCF Yield %: 13.80 (near median its 10-year median of 13.05)
GF Value™: $39.78 vs. price of $40.83 (2.6% above fair value)
Industry Position: 95.1% above the Insurance median (#148 of 508)
No single metric tells the full story. See the NMIH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
NMI Holdings Inc through its subsidiaries provides private mortgage guaranty insurance. The company offers mortgage insurance, reinsurance on loans, 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. It protects lenders and investors from default-related losses on a portion of the unpaid principal balance of a covered mortgage.
82GF Score
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