NMIH (NMI Holdings) ROC (Joel Greenblatt) %: % (As of Mar. 2026)

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Director of Data and Quant Analytics at GuruFocus
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Charlie Tian
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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

NMIH NMI Holdings Inc NMIH
83 GF Score
Price $41.59
GF Value $39.31
Valuation Fairly Valued
! 3 Warning Signs
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What is NMI Holdings ROC (Joel Greenblatt) %?

NMI Holdings NMIH -0.19% 83 ROC (Joel Greenblatt) % is % as of Mar. 2026. GuruFocus rates NMIH with a GF Score™ of 83/100 and a GF Value™ of $39.31 (Fairly Valued). The stock has 3 warning signs investors should review. Among 65 Insurance companies, NMI Holdings ranks worse than 1538460% on this metric.

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

NMIH
83GF Score
NMI Holdings Inc NMIH
ROC (Joel Greenblatt) % is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a ROC (Joel Greenblatt) % of % mean?
NMI Holdings (NMIH) has a ROC (Joel Greenblatt) % of % as of Mar. 2026. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on NMI Holdings and its competitors. According to the industry distribution chart, NMI Holdings ranks #999999 out of 65 companies in the Insurance industry.
Is NMI Holdings' ROC (Joel Greenblatt) % too high?
NMI Holdings' current ROC (Joel Greenblatt) % is %. Based on the distribution chart, NMI Holdings ranks #999999 out of 65 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, NMI Holdings has a GF Score™ of 83/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does NMI Holdings' ROC (Joel Greenblatt) % compare to AGO and RDN?
According to the Insurance industry distribution chart, NMI Holdings ranks #999999 out of 65 companies for ROC (Joel Greenblatt) %. This places NMI Holdings in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 74.51. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC (Joel Greenblatt) % for an Insurance company?
The median ROC (Joel Greenblatt) % among Insurance companies is 74.51, based on 65 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on NMI Holdings and its competitors. For the Insurance industry, the median ROC (Joel Greenblatt) % is 74.51 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. NMI Holdings's current ROC (Joel Greenblatt) % is %. 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 $39.31, compared to a current price of $41.59 — trading 5.8% above its estimated fair value. The current ROC (Joel Greenblatt) % is %. NMI Holdings' overall GF Score™ is 83/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For NMI Holdings (NMIH), the current ROC (Joel Greenblatt) % is % as of Mar. 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 $41.59 is trading 5.8% above its estimated GF Value™ of $39.31. GuruFocus considers NMI Holdings to be Fairly Valued.

Key valuation signals for NMIH:

  • ROC (Joel Greenblatt) %: %
  • GF Value™: $39.31 vs. price of $41.59 (5.8% above fair value)
  • GF Score™: 83/100 with 3 warning signs

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 Business Description

Address 2100 Powell Street, Emeryville, CA, USA, 94608
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.
83GF Score

Get the complete analysis for NMIH

ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$41.59
Price
$39.31
GF Value