NMI Holdings, Inc. (NMIH) stock
NMIHNasdaqSurety InsuranceFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 6, 2026Score 12/3022% below fair value
$38.65−0.23 (-0.59%)
Close on Nov 13, 2026Market cap $2.91BP/E 7.6Yield –
NMI statistics
91 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.
Important dates
- Next earnings
- Feb 9, 2027 (estimated, during market hours)
- Last ex-dividend date
- No dividends
- Fundamentals through
- Sep 30, 2026
- Share price as of
- Nov 13, 2026
Valuation ratiosIndustry
- P/TBV Ratio
- 1.08
- 1.74
- P/OCF Ratio
- 6.74
- 7.15
Enterprise valuationIndustry
- EV / Sales
- 3.83
- 0.97
- EV / FCF
- 6.68
- 7.00
Share statisticsIndustry
- Shares Change (YoY)
- -3.21%
- -1.32%
- Shares Change (QoQ)
- -0.75%
- -0.09%
- Float
- 73M
- 57M
- Shares Held by Insiders
- 3.58%
- 3.33%
- Shares Held by Institutions
- 99.9%
- 84.6%
Short sellingIndustry
- Short Interest
- 3M
- –
- Short Interest Change
- -11.9%
- -2.56%
- Short % of Float
- 3.61%
- 3.81%
- Short % of Shares Outstanding
- 3.48%
- 3.02%
- Days to Cover
- 2.62
- 4.05
Stock price statisticsIndustry
- 52-Week High
- $46.74
- –
- 52-Week Low
- $35.12
- –
- 20-Day Moving Average
- $41.45
- –
- 50-Day Moving Average
- $41.44
- –
- 200-Day Moving Average
- $40.37
- –
- Average True Range (14)
- $1.43
- –
- Price Change (1 Week)
- -0.97%
- 2.21%
- Price Change (1 Month)
- -3.62%
- 4.21%
- Price Change (3 Months)
- -15.2%
- 2.03%
- Price Change (6 Months)
- 2.90%
- 11.0%
- Price Change (YTD)
- -5.25%
- 8.86%
- Price Change (1 Year)
- 2.93%
- 10.7%
- Price Change (3 Years)
- 33.6%
- 42.9%
- Price Change (5 Years)
- 80.3%
- 42.3%
- Price Change (10 Years)
- 339.2%
- 113.0%
- Average Volume (10 Days)
- 842,276
- –
- Average Volume (20 Days)
- 948,701
- –
- Average Volume (90 Days)
- 659,874
- –
- Relative Volume
- 0.86
- 0.73
- Relative Strength Index (14)
- 36.6
- 56.3
- Volatility (1 Year)
- 27.6%
- 28.3%
- Beta (5 Years)
- 0.68
- 0.60
MarginsIndustry
- Pretax Margin
- 68.1%
- 13.5%
- EBITDA Margin
- 73.3%
- 13.5%
- FCF Margin
- 57.4%
- 18.5%
Returns on capitalIndustry
- Return on Equity (ROE)
- 15.1%
- 13.9%
- Return on Assets (ROA)
- 10.2%
- 2.97%
GrowthIndustry
- Revenue Growth (YoY)
- 6.85%
- 6.46%
- Net Income Growth (YoY)
- 3.13%
- 11.9%
- EPS Growth (YoY)
- 6.49%
- 12.7%
- FCF Growth (YoY)
- 9.67%
- 9.52%
- Revenue Growth (3Y CAGR)
- 10.5%
- 9.53%
- Revenue Growth (5Y CAGR)
- 10.3%
- 8.29%
- EPS Growth (3Y CAGR)
- 13.2%
- 15.9%
- EPS Growth (5Y CAGR)
- 18.2%
- 15.2%
EfficiencyIndustry
- Asset Turnover
- 0.19
- 0.27
- Revenue Per Employee
- $3.29M
- $1.80M
- Profits Per Employee
- $1.75M
- $182.48K
- Employee Count
- 225
- 1,341
- WACC
- 8.49%
- 8.10%
Income statement (TTM)Industry
- Pretax Income
- $503.34M
- $617.47M
Balance sheetIndustry
- Net Cash (Debt)
- $72.33M
- $331.32M
- Net Cash Per Share
- $0.96
- $5.43
- Equity (Book Value)
- $2.70B
- $3.44B
- Book Value Per Share
- $35.93
- $37.80
- Tangible Book Value
- $2.70B
- $2.32B
Cash flow (TTM)Industry
- Capital Expenditures
- -$7.16M
- -$9.40M
- FCF Per Share
- $5.64
- $8.18
Dividends and yieldsIndustry
- Earnings Yield
- 13.5%
- 8.85%
- FCF Yield
- 14.6%
- 12.2%
- Buyback Yield
- 4.05%
- 3.22%
- Shareholder Yield
- 4.05%
- 4.26%
Taxes and interestIndustry
- Interest Expense
- $28.48M
- $77.46M
- Income Tax
- $110.54M
- $107.00M
- Effective Tax Rate
- 22.0%
- 20.0%
Scores and fair valueIndustry
- Graham Number
- $64.15
- $76.72
- Graham Upside
- 66.0%
- 11.3%
- Altman Z-Score
- 2.32
- 0.94
- Piotroski F-Score
- 5
- 5
- Lynch Fair Value
- $92.78
- –
- Lynch Upside
- 140.0%
- 74.7%
Total return vs. the S&P 500
Price change plus reinvested dividends, to the close on Nov 13, 2026. The S&P 500 is measured by the SPY fund.
| Period | NMIH | S&P 500 | Difference | NMIH per year | S&P 500 per year |
|---|---|---|---|---|---|
| 1 month | -2.3% | -3.0% | +0.7 pts | ||
| 3 months | -14.9% | -2.8% | −12.2 pts | ||
| Year to date | -5.2% | +11.5% | −16.7 pts | ||
| 1 year | +3.8% | +13.5% | −9.6 pts | ||
| 3 years | +36.3% | +77.7% | −41.4 pts | +10.9% | +21.1% |
| 5 years | +80.3% | +72.6% | +7.7 pts | +12.5% | +11.5% |
| 10 years | +331.8% | +308.2% | +23.7 pts | +15.8% | +15.1% |
Short interest
Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 30, 2026.
3M NMIH shares were sold short on Oct 30, 2026, down 11.9% from the previous report, or 3.61% of the shares available to trade. At recent volumes it would take 2.6 days to buy them back. Over the last 20 sessions, 47.4% of the volume reported to FINRA was short selling.
| Settlement date | Shares short | Change | Avg. daily volume | Days to cover |
|---|---|---|---|---|
| Oct 30, 2026 | 2,619,038 | -11.9% | 999,466 | 2.6 |
| Oct 15, 2026 | 2,972,464 | +35.0% | 834,253 | 3.6 |
| Sep 30, 2026 | 2,201,779 | +11.4% | 794,870 | 2.8 |
| Sep 15, 2026 | 1,976,564 | +8.7% | 531,968 | 3.7 |
| Aug 31, 2026 | 1,818,100 | -6.0% | 410,792 | 4.4 |
| Aug 14, 2026 | 1,933,379 | +5.7% | 430,822 | 4.5 |
| Jul 31, 2026 | 1,829,392 | -12.0% | 472,605 | 3.9 |
| Jul 15, 2026 | 2,079,996 | -3.8% | 479,679 | 4.3 |
| Jun 30, 2026 | 2,162,844 | +7.8% | 837,867 | 2.6 |
| Jun 15, 2026 | 2,006,075 | +10.5% | 568,659 | 3.5 |
| May 29, 2026 | 1,814,662 | +3.4% | 500,798 | 3.6 |
| May 15, 2026 | 1,754,379 | -6.2% | 614,599 | 2.9 |
Ratios use trailing-twelve-month results and the latest balance sheet. How we calculate.
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