NMI Inc.

NMIH | NASDAQ

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$42.80

+$0.28 (+0.67%)

Sep 22, 2026, 11:40 AM ET · Market open

Overview Rating Statistics Financials Earnings Analysts Ownership Profile

Market Data

Market Cap $3.23B

Enterprise Value $-68.89B

Beta 0.53

Average Volume 557.08K

Shares Outstanding (Diluted) 77.01M

Shares Change YoY -2.83%

Institutional Ownership 97.19%

Exchange NASDAQ

ISIN US6292093050

Price Performance

Price Change 1M -6.0%

Price Change 3M 10.7%

Price Change 6M 14.2%

Price Change YTD 4.7%

Price Change 1Y 9.5%

Price Change 3Y 50.1%

Price Change 5Y 95.1%

1M CAGR (ann.) -4.7%

1Y CAGR (ann.) 8.0%

5Y CAGR (ann.) 13.8%

All-Time CAGR 9.0%

Valuation

PE Ratio 8.37

Forward PE 7.46

PEG Ratio 1.07

Forward PEG 2.11

PS Ratio 4.42

Forward PS 4.90

PB Ratio 0.00

P/FCF Ratio 7.26

P/Adj. FCF Ratio 7.61

P/OCF Ratio 7.18

EV/Sales -94.31

EV/EBIT -176.13

EV/EBITDA -0.25

EV/FCF -154.78

Earnings Yield 11.9%

FCF Yield 13.8%

Adj. FCF Yield 13.1%

Financial Health

Net Cash $72.12B

Total Debt $0

Cash & Short-Term Investments $72.12B

Total Assets $4T

Current Ratio 0.54

Quick Ratio 0.54

Debt / Equity Ratio 0.15

Debt / EBITDA 0.00

Debt / FCF 0.00

OCF / Debt N/A

Interest Coverage 17.79

Altman Z-Score 0.76

Piotroski F-Score 5

Margins & Profitability

Gross Profit Margin 91.7%

Operating Profit Margin 33.5%

EBITDA Margin 75.0%

Net Profit Margin 54.1%

FCF Margin 60.9%

Adj. FCF Margin 58.1%

SBC / Revenue 2.8%

SBC Impact (per share) -4.7%

Returns

Return on Assets 9.9%

Return on Equity 15.1%

Return on Invested Capital 11.0%

Return on Capital Employed 13.9%

Return on Tangible Assets 9.9%

Historical Growth (CAGR)

Revenue CAGR 3Y 10.4%

Revenue CAGR 5Y 10.1%

Revenue CAGR 10Y 23.8%

EPS CAGR 3Y 12.3%

EPS CAGR 5Y 17.5%

EPS CAGR 10Y 15.8%

FCF CAGR 3Y 11.4%

FCF CAGR 5Y 8.6%

FCF CAGR 10Y 22.0%

Analyst Forecasts

Analyst Rating Buy

Analyst Count 20

EPS Growth Next 3Y N/A

Revenue Growth Next 3Y N/A

Earnings Date Nov 2, 2026

EPS Estimate (next Q) $1.30

EPS Growth Est (next Q) 7.4%

Revenue Est (next Q) $159.01M

Revenue Growth Est (next Q) -11.0%

Fair Value Estimates

Graham Number $63.88

Graham Upside 50.2%

Lynch Fair Value $88.80

Lynch Upside 108.8%

Price Target $49.50

Price Target Upside 16.4%

Cash Flow

Operating Cash Flow $448.51M

Free Cash Flow $445.09M

Adj. Free Cash Flow $424.37M

FCF Per Share $5.83

OCF Per Share $5.92

OCF/S Ratio 61.4%

Income Statement

Revenue $730.52M

Gross Profit $319.26M

Operating Income $244.83M

EBITDA $276.38B

Net Income $395.33M

EPS (Diluted) $5.08

Revenue / Employee $3.25M

Profit / Employee $1.76M

Employees 225