0 XP   0   0   0

NMI Holdings Inc










Financial Health of NMI Holdings Inc




Comparing to competitors in the Insurance-Specialty industry




  Industry Rankings  


NMI Holdings Inc
Buy, Hold or Sell?

Should you buy, hold or sell NMI Holdings Inc?

I guess you are interested in NMI Holdings Inc. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

Let's analyse NMI Holdings Inc

Let's start. I'm going to help you getting a better view of NMI Holdings Inc. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

  1. Company's Financial Health
    A deep dive into the books. How are the numbers doing? Is NMI Holdings Inc even making a profit? Is the company skyrocketing? Or is it sinking like the Titanic. The trend is your friend.
  2. Market Valuation
    Finally, you now have an insight of how NMI Holdings Inc is doing in the market. If the company is worth buying. The latest step is to find out how other investors value NMI Holdings Inc. The closing price on 2022-12-07 was $19.62 per share. Is the company over- or underpriced?
  3. Key Performance Indicators
    A total overlook on how the company is doing. Based on the (trends in) the key performance indicators.
NMI Holdings Inc Daily Candlestick Chart

Summary

Financial Health

Profitability Details
 Compared to previous yearCompared to industry
The company is making a huge profit.
Using its assets, the company is less efficient in making profit.
Using its investors money, the company is inefficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
The company is operating very efficient.
The company is very efficient in keeping operating costs low.
Liquidity Details
 Compared to previous yearCompared to industry
The company is just able to pay all its short-term debts.
The company is very able to pay all its short-term debts with the most liquid assets.
Solvency Details
 Compared to previous yearCompared to industry
The company is very able to pay all its debts by selling its assets.
The company is very able to pay all its debts with equity.

1.1. Profitability of NMI Holdings Inc.

1.1. Profitability
1.1.1. Net Profit Margin

Measures how much net profit NMI Holdings Inc earns for each $1 of revenue.

  • Above 10% is considered healthy but always compare NMI Holdings Inc to the Insurance-Specialty industry mean.
  • A Net Profit Margin of 58.8% means that $0.59 for each $1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of NMI Holdings Inc:

  • The MRQ is 58.8%. The company is making a huge profit. +2
  • The TTM is 54.2%. The company is making a huge profit. +2
Trends
Current periodCompared to+/- 
MRQ58.8%TTM54.2%+4.6%
TTM54.2%YOY46.6%+7.6%
TTM54.2%5Y42.7%+11.6%
5Y42.7%10Y-264.1%+306.8%
Compared to industry (Insurance-Specialty)
PeriodCompanyIndustry (mean)+/- 
MRQ58.8%5.5%+53.3%
TTM54.2%7.4%+46.8%
YOY46.6%8.9%+37.7%
5Y42.7%7.9%+34.8%
10Y-264.1%8.5%-272.6%
1.1.2. Return on Assets

Shows how efficient NMI Holdings Inc is using its assets to generate profit.

  • Above 5% is considered healthy but always compare NMI Holdings Inc to the Insurance-Specialty industry mean.
  • 3.2% Return on Assets means that NMI Holdings Inc generated $0.03 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of NMI Holdings Inc:

  • The MRQ is 3.2%. Using its assets, the company is less efficient in making profit.
  • The TTM is 2.9%. Using its assets, the company is less efficient in making profit.
Trends
Current periodCompared to+/- 
MRQ3.2%TTM2.9%+0.3%
TTM2.9%YOY2.4%+0.5%
TTM2.9%5Y14.8%-11.9%
5Y14.8%10Y5.9%+8.9%
Compared to industry (Insurance-Specialty)
PeriodCompanyIndustry (mean)+/- 
MRQ3.2%0.5%+2.7%
TTM2.9%0.4%+2.5%
YOY2.4%1.0%+1.4%
5Y14.8%0.6%+14.2%
10Y5.9%0.6%+5.3%
1.1.3. Return on Equity

Shows how efficient NMI Holdings Inc is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compare NMI Holdings Inc to the Insurance-Specialty industry mean.
  • 5.0% Return on Equity means NMI Holdings Inc generated $0.05 for each $1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of NMI Holdings Inc:

  • The MRQ is 5.0%. Using its investors money, the company is less efficient in making profit.
  • The TTM is 4.6%. Using its investors money, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ5.0%TTM4.6%+0.5%
TTM4.6%YOY3.8%+0.7%
TTM4.6%5Y4.1%+0.5%
5Y4.1%10Y1.7%+2.4%
Compared to industry (Insurance-Specialty)
PeriodCompanyIndustry (mean)+/- 
MRQ5.0%1.8%+3.2%
TTM4.6%2.9%+1.7%
YOY3.8%2.5%+1.3%
5Y4.1%2.6%+1.5%
10Y1.7%2.2%-0.5%

1.2. Operating Efficiency of NMI Holdings Inc.

1.2. Operating Efficiency
1.2.1. Operating Margin

Measures how efficient NMI Holdings Inc is operating .

  • Measures how much profit NMI Holdings Inc makes for each $1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compare NMI Holdings Inc to the Insurance-Specialty industry mean.
  • An Operating Margin of 81.7% means the company generated $0.82  for each $1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of NMI Holdings Inc:

  • The MRQ is 81.7%. The company is operating very efficient. +2
  • The TTM is 76.0%. The company is operating very efficient. +2
Trends
Current periodCompared to+/- 
MRQ81.7%TTM76.0%+5.7%
TTM76.0%YOY66.4%+9.5%
TTM76.0%5Y61.6%+14.4%
5Y61.6%10Y-257.1%+318.7%
Compared to industry (Insurance-Specialty)
PeriodCompanyIndustry (mean)+/- 
MRQ81.7%9.7%+72.0%
TTM76.0%10.7%+65.3%
YOY66.4%15.8%+50.6%
5Y61.6%12.7%+48.9%
10Y-257.1%10.9%-268.0%
1.2.2. Operating Ratio

Measures how efficient NMI Holdings Inc is keeping operating costs low.

  • Below 1 is considered healthy (always compare to Insurance-Specialty industry mean).
  • An Operation Ratio of 0.18 means that the operating costs are $0.18 for each $1 in net sales.

Let's take a look of the Operating Ratio trends of NMI Holdings Inc:

  • The MRQ is 0.182. The company is very efficient in keeping operating costs low. +2
  • The TTM is 0.444. The company is very efficient in keeping operating costs low. +2
Trends
Current periodCompared to+/- 
MRQ0.182TTM0.444-0.262
TTM0.444YOY0.115+0.328
TTM0.4445Y0.426+0.018
5Y0.42610Y3.848-3.421
Compared to industry (Insurance-Specialty)
PeriodCompanyIndustry (mean)+/- 
MRQ0.1820.796-0.614
TTM0.4440.804-0.360
YOY0.1150.673-0.558
5Y0.4260.903-0.477
10Y3.8481.066+2.782

1.3. Liquidity of NMI Holdings Inc.

1.3. Liquidity
1.3.1. Current Ratio

Measures if NMI Holdings Inc is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare to Insurance-Specialty industry mean).
  • A Current Ratio of 1.88 means the company has $1.88 in assets for each $1 in short-term debts.

Let's take a look of the Current Ratio trends of NMI Holdings Inc:

  • The MRQ is 1.882. The company is able to pay all its short-term debts. +1
  • The TTM is 1.242. The company is just able to pay all its short-term debts.
Trends
Current periodCompared to+/- 
MRQ1.882TTM1.242+0.640
TTM1.242YOY0.632+0.610
TTM1.2425Y0.691+0.550
5Y0.69110Y2.043-1.351
Compared to industry (Insurance-Specialty)
PeriodCompanyIndustry (mean)+/- 
MRQ1.8821.600+0.282
TTM1.2424.897-3.655
YOY0.6321.956-1.324
5Y0.6913.007-2.316
10Y2.0432.269-0.226
1.3.2. Quick Ratio

Measures if NMI Holdings Inc is able to pay off Short-term Debt but only using the most liquid assets.

  • Above 1 is considered healthy but always compare NMI Holdings Inc to the Insurance-Specialty industry mean.
  • A Quick Ratio of 56.24 means the company can pay off $56.24 for each $1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of NMI Holdings Inc:

  • The MRQ is 56.237. The company is very able to pay all its short-term debts with the most liquid assets. +2
  • The TTM is 48.219. The company is very able to pay all its short-term debts with the most liquid assets. +2
Trends
Current periodCompared to+/- 
MRQ56.237TTM48.219+8.019
TTM48.219YOY24.983+23.236
TTM48.2195Y21.890+26.329
5Y21.89010Y24.235-2.345
Compared to industry (Insurance-Specialty)
PeriodCompanyIndustry (mean)+/- 
MRQ56.2375.052+51.185
TTM48.2196.311+41.908
YOY24.9836.493+18.490
5Y21.8906.186+15.704
10Y24.2355.223+19.012

1.4. Solvency of NMI Holdings Inc.

1.3. Liquidity
1.4.1. Debt to Asset Ratio

Measures how much % of NMI Holdings Inc assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compare NMI Holdings Inc to Insurance-Specialty industry mean.
  • A Debt to Asset Ratio of 0.37 means that NMI Holdings Inc assets are financed with 36.5% credit (debt) and the remaining percentage (100% - 36.5%) is financed by its owners/shareholders. 

Let's take a look of the Debt to Asset Ratio trends of NMI Holdings Inc:

  • The MRQ is 0.365. The company is very able to pay all its debts by selling its assets. +2
  • The TTM is 0.364. The company is very able to pay all its debts by selling its assets. +2
Trends
Current periodCompared to+/- 
MRQ0.365TTM0.364+0.001
TTM0.364YOY0.368-0.004
TTM0.3645Y1.718-1.354
5Y1.71810Y1.357+0.361
Compared to industry (Insurance-Specialty)
PeriodCompanyIndustry (mean)+/- 
MRQ0.3650.709-0.344
TTM0.3640.682-0.318
YOY0.3680.721-0.353
5Y1.7180.785+0.933
10Y1.3570.747+0.610
1.4.2. Debt to Equity Ratio

Measures if NMI Holdings Inc is able to pay off its debts by using shareholders equity.

  • Below 2 is considered healthy but always compare NMI Holdings Inc to the Insurance-Specialty industry mean.
  • A Debt to Equity ratio of 57.5% means that company has $0.58 debt for each $1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of NMI Holdings Inc:

  • The MRQ is 0.575. The company is very able to pay all its debts with equity. +2
  • The TTM is 0.572. The company is very able to pay all its debts with equity. +2
Trends
Current periodCompared to+/- 
MRQ0.575TTM0.572+0.003
TTM0.572YOY0.582-0.010
TTM0.5725Y0.570+0.002
5Y0.57010Y0.453+0.117
Compared to industry (Insurance-Specialty)
PeriodCompanyIndustry (mean)+/- 
MRQ0.5752.278-1.703
TTM0.5722.006-1.434
YOY0.5821.779-1.197
5Y0.5701.735-1.165
10Y0.4532.104-1.651

2. Market Valuation of NMI Holdings Inc

2. Earnings Per Share
2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every $1 in earnings NMI Holdings Inc generates.

  • Above 15 is considered overpriced but always compare NMI Holdings Inc to the Insurance-Specialty industry mean.
  • A PE ratio of 22.66 means the investor is paying $22.66 for every $1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of NMI Holdings Inc:

  • The EOD is 21.828. Very good. +2
  • The MRQ is 22.662. Very good. +2
  • The TTM is 24.955. Very good. +2
Trends
Current periodCompared to+/- 
EOD21.828MRQ22.662-0.834
MRQ22.662TTM24.955-2.293
TTM24.955YOY36.423-11.468
TTM24.9555Y0.374+24.581
5Y0.37410Y-2.239+2.613
Compared to industry (Insurance-Specialty)
PeriodCompanyIndustry (mean)+/- 
EOD21.82832.905-11.077
MRQ22.66232.356-9.694
TTM24.95527.145-2.190
YOY36.42327.922+8.501
5Y0.37424.111-23.737
10Y-2.23924.528-26.767
2.2. Price Earnings to Growth Ratio

Measures the predicted future growth of NMI Holdings Inc.

  • Lower is better.
  • A PEG ratio of 1 means the market price of the stock and the expected future earnings are on par.

Let's take a look of the Price Earnings to Growth Ratio trends of NMI Holdings Inc:

  • The MRQ is 742.388. Seems overpriced? -1
  • The TTM is 3,163.129. Seems overpriced? -1
Trends
Current periodCompared to+/- 
MRQ742.388TTM3,163.129-2,420.742
TTM3,163.129YOY460.548+2,702.581
TTM3,163.1295Y863.240+2,299.889
5Y863.24010Y1,171.901-308.660
Compared to industry (Insurance-Specialty)
PeriodCompanyIndustry (mean)+/- 
MRQ742.3880.325+742.063
TTM3,163.1290.056+3,163.073
YOY460.5480.022+460.526
5Y863.2400.022+863.218
10Y1,171.901-0.022+1,171.923

2. Book Value per Share
2.3. Price to Book Ratio

Measures if the stock price of NMI Holdings Inc is to cheap or to expensive compared to its book value.

  • At or below 1 is considered healthy (always compare to Insurance-Specialty industry mean).
  • A PB ratio of 1.14 means the investor is paying $1.14 for each $1 in book value.

Let's take a look of the Price to Book Ratio trends of NMI Holdings Inc:

  • The EOD is 1.099. Good. +1
  • The MRQ is 1.141. Good. +1
  • The TTM is 1.119. Good. +1
Trends
Current periodCompared to+/- 
EOD1.099MRQ1.141-0.042
MRQ1.141TTM1.119+0.022
TTM1.119YOY1.385-0.266
TTM1.1195Y-3.223+4.342
5Y-3.22310Y0.374-3.598
Compared to industry (Insurance-Specialty)
PeriodCompanyIndustry (mean)+/- 
EOD1.0991.000+0.099
MRQ1.1410.932+0.209
TTM1.1191.128-0.009
YOY1.3850.920+0.465
5Y-3.2230.635-3.858
10Y0.3740.633-0.259
2. Total Gains per Share

2.4. Latest News of NMI Holdings Inc

Does NMI Holdings Inc still have the same value as the quarterly reports suggest? Recent changes may be an indication that the value of the company is changing. Read the news from NMI Holdings Inc to keep up to date. Note: the news is often already included in the price.

DateTitleRead
2022-12-01
17:31
NMI Holdings (NMIH) Down 1.4% Since Last Earnings Report: Can It Rebound?Read
2022-11-30
17:05
Reasons Why Investors Should Retain NMI Holdings (NMIH)Read

3. Holders & Insider Transactions

Let's take a look at which institutions, funds and insiders are holding shares of NMI Holdings Inc.

3.1. Institutions holding NMI Holdings Inc

Institutions are holding 102.807% of the shares of NMI Holdings Inc.

DateNameTotal SharesTotal AssetsCurrent SharesChange%
2022-06-30Vanguard Group Inc7.1050.00285938435930661.5921
2022-06-30Oaktree Capital Management LLC6.36511.029532000000
2022-06-30FMR Inc5.04570.0074217225-31317-0.7371
2022-06-30State Street Corporation4.43990.00373710938-342647-8.4529
2022-06-30Van Berkom and Associates Inc4.0512.35993385865-64089-1.8577
2022-06-30Dimensional Fund Advisors, Inc.4.03010.0201336840367505625.0638
2022-06-30Wellington Management Company LLP3.21230.009268487247500821.4949
2022-06-30Frontier Capital Management CO Inc2.90590.46562428795-267420-9.9183
2022-06-30Geode Capital Management, LLC1.86880.0038156196880270.5166
2022-06-30Goldman Sachs Group Inc1.73240.00551447997-184437-11.2983
2022-06-30Ameriprise Financial Inc1.62560.00791358665-176405-11.4917
2022-06-30Capital World Investors1.13660.003495000000
2022-06-30ClearBridge Advisors, LLC1.11650.0145933159522955.9368
2022-06-30Northern Trust Corp1.11060.0033928216-7423-0.7934
2022-06-30Nuveen Asset Management, LLC1.09530.005991547310040212.3182
2022-06-30Millennium Management LLC1.02390.0088855788-383882-30.9665
2022-06-30Bank of New York Mellon Corp0.97560.0031815449-87408-9.6813
2022-06-30PRIMECAP Management Company0.86590.0108723720-1562509-68.3444
2022-06-30JPMorgan Chase & Co0.85110.001771137123036547.8923
2022-06-30Charles Schwab Investment Management Inc0.8350.004697872454356.9639
Total 51.39233.969842954211-1427883-3.3%

3.2. Funds holding NMI Holdings Inc

DateNameTotal SharesTotal AssetsCurrent SharesChange%
2022-10-31iShares Core S&P Small-Cap ETF7.49490.2076264309156020.2497
2022-09-30Delaware Small Cap Core I3.32670.89122780483237530.8616
2022-09-30Macquarie US Small Cap Core Equity3.32670.89142780483455281.6647
2022-10-31Vanguard Total Stock Mkt Idx Inv3.04440.00482544560454331.818
2022-09-30Vanguard Instl Ttl Stck Mkt Idx Tr2.99010.00482499127-40153-1.5813
2022-10-31iShares Russell 2000 ETF2.23930.077187166861180.3279
2022-10-31iShares S&P Small-Cap 600 Value ETF1.43190.383119683027660.2316
2022-10-31Vanguard Extended Market Index Investor1.34790.0295112657686610.7747
2022-09-30American Funds SMALLCAP World A1.13660.034895000000
2022-08-31FIAM Small Cap Core Class B1.11320.5603930400180001.9728
2022-06-30FIAM Small Cap Core Composite1.05120.49088786009660012.3529
2022-10-31iShares Russell 2000 Value ETF0.96140.143680354523750.2964
2022-10-31Vanguard Tax-Managed Small Cap Adm0.93910.210878495000
2022-09-30PRIMECAP Odyssey Aggressive Growth0.86590.218672372000
2022-09-30DFA US Targeted Value I0.85640.1368715757574358.7245
2022-10-31SPDR® S&P 600 Small Cap Value ETF0.83510.383669795100
2022-08-31Fidelity® Small Cap Index0.78370.071765504574721.1538
2022-06-30Epoch US Large-Cap Value - A0.77120.9745644616-11143-1.6993
2022-09-30Goldman Sachs Small Cap Value A0.76790.4398641845-44468-6.4793
2022-09-30ClearBridge Small Cap C0.73051.619161059100
Total 36.01417.773130101056+233979+0.8%

3.3. Insider Transactions

Insiders are holding 1.179% of the shares of NMI Holdings Inc.

DateOwnerTypeAmountPricePost Transaction AmountLink
2022-09-09Michael Curry MontgomerySELL1963020.358607
2022-05-17Michael Curry MontgomerySELL179618.3940424
2022-02-16Patrick L MathisSELL6849326.08
2021-05-20Patrick L. MathisSELL2315723.8
2021-05-05William J. LeatherberrySELL500025.25
2021-04-26Bradley M. ShusterSELL2324.06
2021-04-23Bradley M. ShusterSELL3660424.12
2021-04-01Bradley M. ShusterSELL3662823.35
2021-03-18Julie NorbergSELL293325.81
2021-03-11Claudia J MerkleSELL3334824.6160001
2021-03-10William J LeatherberrySELL1056824.68 
2021-03-03Claudia J MerkleSELL97824.51164821
2021-01-06Bradley M ShusterSELL1794024.04605598
2021-01-04Bradley M ShusterSELL3662821.92636679
2020-12-10William J LeatherberrySELL1943424.28144048
2020-12-09Bradley M ShusterSELL3662824.4636679
2020-11-30Bradley M ShusterSELL3662821.99636679
2020-11-24Adam PollitzerSELL5478923.61174527
2020-11-24William J. LeatherberrySELL768623.75
2020-11-19Michael J EmblerSELL3281322.25107376

4. Summary

4.1. Key Performance Indicators

The key performance indicators of NMI Holdings Inc compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-5 Year+/-10 Year+/-
Book Value Change Per Share--0.2340.099+136%0.544-57%1.014-77%0.446-48%
Book Value Growth--0.0010.001-64%0.036-99%0.135-100%-0.262+51664%
Book Value Per Share--17.85017.755+1%16.527+8%6.956+157%4.079+338%
Book Value Per Share Growth--0.0130.005+141%0.033-60%0.134-90%-0.262+2099%
Current Ratio--1.8821.242+52%0.632+198%0.691+172%2.043-8%
Debt To Asset Ratio--0.3650.364+0%0.368-1%1.718-79%1.357-73%
Debt To Equity Ratio--0.5750.572+1%0.582-1%0.570+1%0.453+27%
Dividend Per Share----0%-0%-0%-0%
Eps--0.8990.810+11%0.632+42%0.528+70%0.248+263%
Eps Growth--0.0310.062-51%0.102-70%-0.314+1130%-0.266+973%
Gross Profit Margin--1.0001.0000%1.0000%1.0000%1.0000%
Net Profit Margin--0.5880.542+9%0.466+26%0.427+38%-2.641+549%
Operating Margin--0.8170.760+8%0.664+23%0.616+33%-2.571+415%
Operating Ratio--0.1820.444-59%0.115+58%0.426-57%3.848-95%
Pb Ratio1.099-4%1.1411.119+2%1.385-18%-3.223+382%0.374+205%
Pe Ratio21.828-4%22.66224.955-9%36.423-38%0.374+5959%-2.239+110%
Peg Ratio--742.3883163.129-77%460.548+61%863.240-14%1171.901-37%
Price Per Share19.620-4%20.37019.873+3%22.845-11%21.021-3%14.177+44%
Price To Total Gains Ratio83.819-4%87.023141.769-39%98.331-12%120.219-28%64.486+35%
Profit Growth--1.8145.806-69%10.533-83%-31.369+1829%-24.914+1473%
Quick Ratio--56.23748.219+17%24.983+125%21.890+157%24.235+132%
Return On Assets--0.0320.029+10%0.024+33%0.148-78%0.059-46%
Return On Equity--0.0500.046+10%0.038+32%0.041+24%0.017+200%
Revenue Growth---0.0200.012-263%0.035-158%0.046-144%0.149-114%
Total Gains Per Share--0.2340.099+136%0.544-57%1.014-77%0.446-48%
Total Gains Per Share Growth--0.8552.713-68%-1.335+256%-0.856+200%-0.402+147%
Usd Book Value--1525866000.0001537946500.000-1%1431507500.000+7%603725600.000+153%352145799.050+333%
Usd Book Value Change Per Share--0.2340.099+136%0.544-57%1.014-77%0.446-48%
Usd Book Value Per Share--17.85017.755+1%16.527+8%6.956+157%4.079+338%
Usd Dividend Per Share----0%-0%-0%-0%
Usd Eps--0.8990.810+11%0.632+42%0.528+70%0.248+263%
Usd Price Per Share19.620-4%20.37019.873+3%22.845-11%21.021-3%14.177+44%
Usd Profit--76838000.00070121500.000+10%54718500.000+40%45038800.000+71%21143802.750+263%
Usd Revenue--130577000.000129133750.000+1%117244250.000+11%100401600.000+30%58525943.875+123%
Usd Total Gains Per Share--0.2340.099+136%0.544-57%1.014-77%0.446-48%
 EOD+3 -2MRQTTM+21 -11YOY+19 -135Y+19 -1310Y+21 -11

4.2. Fundamental Score

Let's check the fundamental score of NMI Holdings Inc based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-1521.828
Price to Book Ratio (EOD)Between0-11.099
Net Profit Margin (MRQ)Greater than00.588
Operating Margin (MRQ)Greater than00.817
Quick Ratio (MRQ)Greater than156.237
Current Ratio (MRQ)Greater than11.882
Debt to Asset Ratio (MRQ)Less than10.365
Debt to Equity Ratio (MRQ)Less than10.575
Return on Equity (MRQ)Greater than0.150.050
Return on Assets (MRQ)Greater than0.050.032
Total6/10 (60.0%)

4.3. Technical Score

Let's check the technical score of NMI Holdings Inc based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
OpenGreater thanClose19.500
Total0/1 (0.0%)



Latest Balance Sheet

Balance Sheet of 2022-09-30. Currency in USD. All numbers in thousands.

Summary
Total Assets2,403,843
Total Liabilities877,977
Total Stockholder Equity1,525,866
 As reported
Total Liabilities 877,977
Total Stockholder Equity+ 1,525,866
Total Assets = 2,403,843

Assets

Total Assets2,403,843
Total Current Assets139,154
Long-term Assets139,154
Total Current Assets
Cash And Cash Equivalents 123,653
Short-term Investments 1,973,931
Net Receivables 86,957
Total Current Assets  (as reported)139,154
Total Current Assets  (calculated)2,184,541
+/- 2,045,387
Long-term Assets
Property Plant Equipment 32,156
Long Term Investments 1,973,931
Intangible Assets 35,790
Long-term Assets Other 252,641
Long-term Assets  (as reported)3,634
Long-term Assets  (calculated)2,294,518
+/- 2,290,884

Liabilities & Shareholders' Equity

Total Current Liabilities73,945
Long-term Liabilities804,032
Total Stockholder Equity1,525,866
Total Current Liabilities
Accounts payable 73,945
Other Current Liabilities 130,652
Total Current Liabilities  (as reported)73,945
Total Current Liabilities  (calculated)204,597
+/- 130,652
Long-term Liabilities
Long term Debt Total 399,399
Long-term Liabilities Other 238,024
Deferred Long Term Liability 166,609
Long-term Liabilities  (as reported)804,032
Long-term Liabilities  (calculated)804,032
+/-0
Total Stockholder Equity
Retained Earnings 828,103
Accumulated Other Comprehensive Income -221,266
Capital Surplus 969,359
Total Stockholder Equity (as reported)1,525,866
Total Stockholder Equity (calculated)1,576,196
+/- 50,330
Other
Capital Stock865
Cash and Short Term Investments 2,097,584
Common Stock Shares Outstanding 85,485
Common Stock Total Equity865
Liabilities and Stockholders Equity 2,403,843
Net Debt 272,030
Net Invested Capital 1,921,549
Net Tangible Assets 1,522,232
Short Long Term Debt Total 395,683



Balance Sheet

Currency in USD. All numbers in thousands.

 Trend2022-09-302022-06-302022-03-312021-12-312021-09-302021-06-302021-03-312020-12-312020-09-302020-06-302020-03-312019-12-312019-09-302019-06-302019-03-312018-12-312018-09-302018-06-302018-03-312017-12-312017-09-302017-06-302017-03-312016-12-312016-09-302016-06-302016-03-312015-12-312015-09-302015-06-302015-03-312014-12-312014-09-302014-06-302014-03-312013-12-312013-09-302013-06-302013-03-312012-12-312012-09-302012-06-302012-03-312011-12-31
> Total Assets 
210
0
0
0
542,768
491,238
468,950
461,719
481,200
60,179
52,713
156,612
125,716
92,129
93,289
168,456
98,073
121,053
100,242
139,216
199,040
165,956
862,995
172,827
153,794
235,637
146,962
143,371
144,546
168,810
160,567
182,556
44,723
270,883
2,046,931
2,081,820
2,166,666
2,187,831
2,305,878
2,398,314
2,450,581
2,423,944
2,392,288
2,403,843
2,403,8432,392,2882,423,9442,450,5812,398,3142,305,8782,187,8312,166,6662,081,8202,046,931270,88344,723182,556160,567168,810144,546143,371146,962235,637153,794172,827862,995165,956199,040139,216100,242121,05398,073168,45693,28992,129125,716156,61252,71360,179481,200461,719468,950491,238542,768000210
   > Total Current Assets 
0
0
0
0
0
145,286
0
34,097
55,929
42,792
34,671
137,485
103,021
66,420
64,301
132,791
57,317
73,302
46,827
44,522
47,746
12,543
711,525
20,698
19,196
101,890
16,454
18,187
25,294
39,761
35,735
45,889
41,089
109,821
515,450
194,199
329,081
57,048
172,179
97,260
328,969
62,537
84,828
139,154
139,15484,82862,537328,96997,260172,17957,048329,081194,199515,450109,82141,08945,88935,73539,76125,29418,18716,454101,89019,19620,698711,52512,54347,74644,52246,82773,30257,317132,79164,30166,420103,021137,48534,67142,79255,92934,0970145,28600000
       Cash And Cash Equivalents 
0
0
0
0
485,855
147,402
25,941
34,097
55,929
42,792
34,671
137,485
103,021
66,420
64,301
132,791
57,317
73,302
46,827
44,522
47,746
12,543
20,035
20,698
19,196
101,890
16,454
18,187
23,880
39,761
34,305
42,956
38,427
107,316
513,382
188,644
121,382
110,649
63,921
93,688
73,481
127,849
70,246
123,653
123,65370,246127,84973,48193,68863,921110,649121,382188,644513,382107,31638,42742,95634,30539,76123,88018,18716,454101,89019,19620,69820,03512,54347,74644,52246,82773,30257,317132,79164,30166,420103,021137,48534,67142,79255,92934,09725,941147,402485,8550000
       Short-term Investments 
0
0
0
0
4,864
5,375
0
0
0
0
413,307
308,564
336,501
367,947
370,042
314,455
559,235
47,572
607,318
641,572
628,969
658,640
673,695
692,729
715,875
723,790
838,265
874,435
911,490
940,223
1,017,607
1,073,176
1,140,940
1,070,072
1,339,771
1,689,815
1,804,286
1,831,511
1,994,280
2,054,419
2,085,931
1,993,972
2,019,420
1,973,931
1,973,9312,019,4201,993,9722,085,9312,054,4191,994,2801,831,5111,804,2861,689,8151,339,7711,070,0721,140,9401,073,1761,017,607940,223911,490874,435838,265723,790715,875692,729673,695658,640628,969641,572607,31847,572559,235314,455370,042367,947336,501308,564413,30700005,3754,8640000
       Net Receivables 
0
0
0
0
0
0
0
0
19
129
143
402
1,048
1,663
2,758
3,986
5,143
6,578
8,868
11,378
13,728
15,566
17,795
21,056
25,179
28,164
31,252
34,675
36,007
38,478
42,225
45,730
46,085
46,872
60,715
65,339
67,387
70,892
75,665
78,919
80,678
80,606
83,296
86,957
86,95783,29680,60680,67878,91975,66570,89267,38765,33960,71546,87246,08545,73042,22538,47836,00734,67531,25228,16425,17921,05617,79515,56613,72811,3788,8686,5785,1433,9862,7581,6631,0484021431291900000000
   > Long-term Assets 
0
0
0
0
0
345,953
0
4
425,271
17,387
18,042
19,127
22,695
25,709
28,988
35,665
40,756
47,751
53,415
94,694
151,294
153,413
151,470
152,129
134,598
133,747
130,508
125,184
119,252
129,049
124,832
136,667
3,634
161,062
145,302
3,634
1,837,585
62,294
62,137
61,362
2,121,612
59,727
3,634
3,634
3,6343,63459,7272,121,61261,36262,13762,2941,837,5853,634145,302161,0623,634136,667124,832129,049119,252125,184130,508133,747134,598152,129151,470153,413151,29494,69453,41547,75140,75635,66528,98825,70922,69519,12718,04217,387425,27140345,95300000
       Property Plant Equipment 
0
0
0
0
285
9,213
8,786
422
683
761
1,465
1,629
2,148
12,913
13,284
13,902
2,831
17,219
19,690
19,924
6,555
21,168
21,530
21,767
7,624
22,857
22,803
22,887
10,526
25,105
25,827
33,203
12,434
25,667
26,105
28,131
12,525
31,298
31,443
32,066
13,056
32,386
32,071
32,156
32,15632,07132,38613,05632,06631,44331,29812,52528,13126,10525,66712,43433,20325,82725,10510,52622,88722,80322,8577,62421,76721,53021,1686,55519,92419,69017,2192,83113,90213,28412,9132,1481,6291,4657616834228,7869,2132850000
       Goodwill 
0
0
0
0
3,634
3,634
3,634
3,634
3,244
3,244
3,244
3,244
3,244
0
0
0
3,244
0
0
0
3,244
0
0
0
3,244
0
0
0
3,244
0
0
0
3,244
0
0
0
3,244
0
0
0
3,244
0
0
0
0003,2440003,2440003,2440003,2440003,2440003,2440003,2440003,2443,2443,2443,2443,2443,6343,6343,6343,6340000
       Long Term Investments 
0
0
0
0
0
0
0
413,817
411,089
412,667
415,296
309,857
336,501
369,679
371,970
316,134
562,108
559,827
610,386
645,187
632,390
662,540
677,562
697,327
720,087
728,555
843,054
880,316
917,184
946,776
1,017,607
1,073,176
1,147,771
1,077,264
1,347,680
1,699,581
1,814,148
1,842,006
1,994,280
2,066,533
2,085,931
2,006,393
2,031,850
1,973,931
1,973,9312,031,8502,006,3932,085,9312,066,5331,994,2801,842,0061,814,1481,699,5811,347,6801,077,2641,147,7711,073,1761,017,607946,776917,184880,316843,054728,555720,087697,327677,562662,540632,390645,187610,386559,827562,108316,134371,970369,679336,501309,857415,296412,667411,089413,8170000000
       Intangible Assets 
0
0
0
0
7,266
9,213
8,786
8,632
8,583
8,855
9,097
9,538
10,048
16,547
16,918
17,536
12,760
20,853
23,324
23,558
14,237
24,802
25,164
25,401
15,568
26,491
26,437
26,521
14,629
28,739
29,461
29,937
14,052
29,301
29,739
31,765
17,530
34,932
35,077
35,700
19,381
36,020
35,705
35,790
35,79035,70536,02019,38135,70035,07734,93217,53031,76529,73929,30114,05229,93729,46128,73914,62926,52126,43726,49115,56825,40125,16424,80214,23723,55823,32420,85312,76017,53616,91816,54710,0489,5389,0978,8558,5838,6328,7869,2137,2660000
       Long-term Assets Other 
0
0
0
0
0
-345,953
0
1,112
412,761
4,527
4,236
4,716
7,255
9,162
12,070
18,129
21,921
26,898
30,091
71,136
127,258
128,611
126,306
126,728
108,162
107,256
104,071
98,663
90,853
100,310
95,371
106,730
-26,096
131,761
115,563
-28,131
-29,665
191,551
143,466
173,251
194,734
259,267
-2,051,491
252,641
252,641-2,051,491259,267194,734173,251143,466191,551-29,665-28,131115,563131,761-26,096106,73095,371100,31090,85398,663104,071107,256108,162126,728126,306128,611127,25871,13630,09126,89821,92118,12912,0709,1627,2554,7164,2364,527412,7611,1120-345,95300000
> Total Liabilities 
1,559
0
0
0
54,020
10,543
12,470
14,861
18,002
17,731
22,253
31,180
36,307
38,537
54,402
78,696
259,720
274,256
293,993
361,897
364,388
356,253
367,955
375,587
385,771
385,647
386,837
391,988
390,543
395,630
408,020
427,975
434,398
412,937
789,894
774,264
797,075
807,523
845,973
882,088
884,795
888,902
867,196
877,977
877,977867,196888,902884,795882,088845,973807,523797,075774,264789,894412,937434,398427,975408,020395,630390,543391,988386,837385,647385,771375,587367,955356,253364,388361,897293,993274,256259,72078,69654,40238,53736,30731,18022,25317,73118,00214,86112,47010,54354,0200001,559
   > Total Current Liabilities 
1,559
0
0
0
0
0
0
9,276
10,717
7,373
8,494
13,691
10,646
6,845
12,309
14,230
115,800
130,300
149,900
217,700
220,000
212,300
224,000
231,600
241,900
241,700
239,500
245,000
243,786
249,127
261,767
281,968
288,634
267,416
397,121
59,316
455,017
57,139
307,090
394,282
394,623
76,923
58,947
73,945
73,94558,94776,923394,623394,282307,09057,139455,01759,316397,121267,416288,634281,968261,767249,127243,786245,000239,500241,700241,900231,600224,000212,300220,000217,700149,900130,300115,80014,23012,3096,84510,64613,6918,4947,37310,7179,2760000001,559
       Short-term Debt 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
143,939
0
0
0
144,353
0
143,990
143,969
143,882
143,868
147,262
0
0
0
0
0
0
0
0
392,987
393,301
0
0
394,282
394,623
0
0
0
000394,623394,28200393,301392,98700000000147,262143,868143,882143,969143,9900144,353000143,9390000000000000000
       Short Long Term Debt 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
143,939
0
0
0
144,353
0
143,990
143,969
143,882
143,868
147,262
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
00000000000000000147,262143,868143,882143,969143,9900144,353000143,9390000000000000000
       Accounts payable 
1,354
0
0
0
8,708
5,604
6,416
9,276
10,052
7,373
8,494
13,691
10,646
6,845
12,309
14,230
22,725
19,108
15,502
32,568
25,297
14,175
21,349
22,028
23,364
21,218
21,407
27,134
31,141
16,981
24,351
39,296
39,904
20,745
104,777
59,316
61,716
57,139
162,442
189,541
181,152
76,923
58,947
73,945
73,94558,94776,923181,152189,541162,44257,13961,71659,316104,77720,74539,90439,29624,35116,98131,14127,13421,40721,21823,36422,02821,34914,17525,29732,56815,50219,10822,72514,23012,3096,84510,64613,6918,4947,37310,0529,2766,4165,6048,7080001,354
       Other Current Liabilities 
0
0
0
0
0
0
0
0
665
7,373
0
0
10,646
0
12,309
14,230
115,800
130,300
149,900
185,132
220,000
212,300
224,000
231,600
241,900
241,700
239,500
245,000
212,645
232,146
261,767
281,968
288,634
246,671
115,236
-392,987
61,716
127,407
142,148
139,624
139,237
138,393
135,681
130,652
130,652135,681138,393139,237139,624142,148127,40761,716-392,987115,236246,671288,634281,968261,767232,146212,645245,000239,500241,700241,900231,600224,000212,300220,000185,132149,900130,300115,80014,23012,309010,646007,37366500000000
   > Long-term Liabilities 
0
0
0
0
0
0
0
5,585
2,304
-100
133
133
137
137
137
137
143,900
144,000
144,100
144,200
144,400
144,000
144,000
144,000
143,900
143,900
147,300
147,000
146,757
146,503
146,253
146,007
145,764
145,521
476,558
490,438
505,887
508,772
530,222
545,646
558,798
551,935
556,981
804,032
804,032556,981551,935558,798545,646530,222508,772505,887490,438476,558145,521145,764146,007146,253146,503146,757147,000147,300143,900143,900144,000144,000144,000144,400144,200144,100144,000143,900137137137137133133-1002,3045,5850000000
       Long term Debt Total 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
143,939
143,982
144,107
173,193
174,986
175,253
176,032
177,074
177,984
177,047
178,273
175,962
173,871
171,811
164,345
162,079
160,074
158,256
404,978
403,351
401,954
401,191
400,853
400,562
400,224
400,312
399,812
399,399
399,399399,812400,312400,224400,562400,853401,191401,954403,351404,978158,256160,074162,079164,345171,811173,871175,962178,273177,047177,984177,074176,032175,253174,986173,193144,107143,982143,9390000000000000000
       Other Liabilities 
0
0
0
0
45,180
0
5,921
5,452
7,817
10,225
12,259
16,754
25,524
30,365
41,956
64,329
92,919
111,029
134,247
184,848
194,738
198,068
202,616
209,590
218,525
6,563
6,391
10,930
10,036
28,105
41,141
53,042
66,624
77,549
95,000
108,359
124,021
125,683
144,934
158,641
169,783
170,890
161,894
166,837
166,837161,894170,890169,783158,641144,934125,683124,021108,35995,00077,54966,62453,04241,14128,10510,03610,9306,3916,563218,525209,590202,616198,068194,738184,848134,247111,02992,91964,32941,95630,36525,52416,75412,25910,2257,8175,4525,921045,1800000
       Deferred Long Term Liability 
0
0
0
0
0
0
0
0
0
0
133
133
137
137
137
137
137
137
137
6,834
4,831
4,790
4,830
4,971
5,024
4,838
4,507
1,300
2,740
12,770
28,258
800
56,360
66,831
83,785
97,451
112,586
115,150
136,273
151,364
164,175
156,966
161,658
166,609
166,609161,658156,966164,175151,364136,273115,150112,58697,45183,78566,83156,36080028,25812,7702,7401,3004,5074,8385,0244,9714,8304,7904,8316,8341371371371371371371371331330000000000
> Total Stockholder Equity
0
0
0
0
488,748
480,696
456,480
446,858
463,217
453,453
443,910
434,398
426,958
423,202
411,687
408,201
402,731
410,058
422,435
430,269
477,349
483,909
495,040
511,025
509,077
601,944
629,642
660,493
701,500
751,881
812,379
873,487
930,420
974,890
1,257,037
1,307,556
1,369,591
1,380,308
1,459,905
1,516,226
1,565,786
1,535,042
1,525,092
1,525,866
1,525,8661,525,0921,535,0421,565,7861,516,2261,459,9051,380,3081,369,5911,307,5561,257,037974,890930,420873,487812,379751,881701,500660,493629,642601,944509,077511,025495,040483,909477,349430,269422,435410,058402,731408,201411,687423,202426,958434,398443,910453,453463,217446,858456,480480,696488,7480000
   Common Stock
0
0
0
0
555
555
556
556
581
581
584
584
584
585
587
587
588
591
591
591
591
598
598
599
605
656
658
663
663
675
677
679
684
689
848
848
852
856
857
857
858
863
864
865
8658648638588578578568528488486896846796776756636636586566055995985985915915915915885875875855845845845815815565565555550000
   Retained Earnings Total Equity
0
0
0
0
0
0
0
-70,940
-84,024
-99,079
-111,933
-122,909
-132,930
-140,750
-151,103
-155,902
-160,723
-164,630
-162,619
-156,444
-94,882
-90,716
-84,703
-72,391
-74,157
-52,084
-26,843
-2,032
33,488
66,387
105,487
155,250
205,445
263,716
290,564
328,743
377,011
429,902
487,424
547,617
608,141
675,821
751,265
828,103
828,103751,265675,821608,141547,617487,424429,902377,011328,743290,564263,716205,445155,250105,48766,38733,488-2,032-26,843-52,084-74,157-72,391-84,703-90,716-94,882-156,444-162,619-164,630-160,723-155,902-151,103-140,750-132,930-122,909-111,933-99,079-84,024-70,9400000000
   Accumulated Other Comprehensive Income 
0
0
0
0
0
0
0
0
-7,000
-4,000
-3,000
-4,000
-4,000
-2,000
-4,000
-5,000
-7,000
3,000
11,000
11,000
-5,000
-4,000
-1,000
-1,000
-3,000
-14,000
-15,000
-16,000
-15,000
0
14,000
19,000
17,000
4,000
37,675
47,059
53,856
8,723
27,503
19,357
1,485
-97,309
-161,320
-221,266
-221,266-161,320-97,3091,48519,35727,5038,72353,85647,05937,6754,00017,00019,00014,0000-15,000-16,000-15,000-14,000-3,000-1,000-1,000-4,000-5,00011,00011,0003,000-7,000-5,000-4,000-2,000-4,000-4,000-3,000-4,000-7,00000000000
   Capital Surplus 
0
0
0
0
0
0
0
524,280
553,707
555,963
558,432
560,605
562,911
564,915
566,310
568,090
570,340
571,585
573,342
575,148
576,927
578,081
580,499
583,447
585,488
666,905
670,870
678,165
682,181
684,635
692,163
698,393
707,003
706,021
927,950
930,906
937,872
940,827
944,121
948,395
955,302
960,667
964,654
969,359
969,359964,654960,667955,302948,395944,121940,827937,872930,906927,950706,021707,003698,393692,163684,635682,181678,165670,870666,905585,488583,447580,499578,081576,927575,148573,342571,585570,340568,090566,310564,915562,911560,605558,432555,963553,707524,2800000000
   Treasury Stock0-30,371-5,00000000000000000000000000000000000000000000
   Other Stockholders Equity 
0
0
0
0
517,033
520,934
512,991
517,242
553,660
555,951
558,259
560,723
563,304
565,367
566,203
568,516
569,866
571,097
573,463
575,122
576,640
578,027
580,145
583,817
585,629
667,372
670,827
677,862
682,349
684,819
692,215
698,558
707,291
706,485
927,950
930,906
937,872
940,827
944,121
948,395
955,302
955,667
934,283
918,164
918,164934,283955,667955,302948,395944,121940,827937,872930,906927,950706,485707,291698,558692,215684,819682,349677,862670,827667,372585,629583,817580,145578,027576,640575,122573,463571,097569,866568,516566,203565,367563,304560,723558,259555,951553,660517,242512,991520,934517,0330000



Balance Sheet

Currency in USD. All numbers in thousands.




Cash Flow

Currency in USD. All numbers in thousands.




Income Statement

Currency in USD. All numbers in thousands.