NMIH$37.62
$37.79
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Powered by LiveAIOverall Analysis
BuyA fundamentally solid company with stable financials and consistent earnings surprises. Thematic factors are favorable given its market position in mortgage guaranty insurance, while technical indicators suggest cautious optimism in the near term.
Thematic
NMI Holdings, Inc. serves a niche in private mortgage guaranty insurance with strong ties to national and regional mortgage institutions, benefiting from steady housing market demand and regulatory requirements.
Fundamental
The company demonstrates strong profitability with consistent positive EPS surprises, solid net margins above 50%, manageable valuation ratios, and an improving balance sheet with low beta and solid free cash flow.
Technical
The stock shows bullish signs with strong support from multiple moving averages and some buy signals. However, several oscillators indicate overbought conditions, suggesting a possible short-term pause or mild correction.
| Factor | Score |
|---|---|
| Mortgage Insurance Market Position | 80 |
| Regulatory Environment | 70 |
| Industry Stability & Demand | 75 |
| Technological Adoption | 70 |
| Market Penetration & Growth Potential | 75 |
| Factor | Score |
|---|---|
| Valuation | 85 |
| Profitability | 90 |
| Growth | 70 |
| Balance Sheet Health | 80 |
| Cash Flow | 80 |
| Factor | Score |
|---|---|
| Trend Analysis | 80 |
| Momentum | 55 |
| Volume Confirmation | 65 |
| Support & Resistance | 70 |
AI Investing Checklist
Powered by LiveAIBullish Points (6)
Consistent Earnings Surprises
The company has consistently beaten EPS estimates, with recent quarterly surprises averaging above 5%, including a notable 16.36% beat in 2025 Q2, indicating strong earnings momentum.
Strong Free Cash Flow and Healthy Balance Sheet
Positive free cash flow has improved annually, reaching $386.7M in 2024 Q4, supported by healthy cash equivalents and a solid equity base of $2.22B, signaling robust financial stability.
Bearish Points (6)
Recent Negative Short-Term Returns
Performance over the last 1 month has declined by 5.82%, which may indicate short-term weakness or volatility that investors need to monitor.
Low Trading Volume
The current volume of 8,587 is significantly below the 30-day average of over 506,000, indicating reduced market interest and potential liquidity risk.
Calendar
July 2025
30
Next Earnings Date
H: $1.23
A: $1.20
L: $1.13
H: 175.50M
A: 173.49M
L: 171.25M
Profile
NMI Holdings, Inc. provides private mortgage guaranty insurance services in the United States. The company offers primary mortgage insurance services; 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. The company was incorporated in 2011 and is headquartered in Emeryville, California.
Seasonals
Price Target
43.29 USD
The 39 analysts offering 1 year price forecasts for NMIH have a max estimate of 47.00 and a min estimate of 41.00.
Debt Level and Coverage
Financial Position Analysis
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Valuation - Summary
Valuation - Ratios
Revenue to Profit Conversion
Balance Sheet
Income Statement
Cash Flow
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