NMIH
NMI Holdings, Inc. [NMIH] Stock Forecast
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Buy NMI Holdings. Looked For Problems, Couldn't Find Much
NMIH stock is selling at a 6.7 P/E, which is only 36% of the S&P 500, and at well below liquidation value. Why? I checked for the possible problems - Q1 earnings, the housing market, lending standards, capital, etc. - and found very little to worry about.
NMI Holdings, Inc. (NMIH) Q1 2023 Earnings Call Transcript
NMI Holdings, Inc. (NASDAQ:NMIH ) Q1 2023 Earnings Conference Call May 2, 2023 5:00 PM ET Company Participants John Swenson – Vice President-Investor Relations Brad Shuster – Executive Chairman Adam Pollitzer – President and Chief Executive Officer Ravi Mallela – Chief Financial Officer Nick Realmuto – Controller Conference Call Participants Arren Cyganovich – Citi Rick Shane – JP Morgan Mark Hughes – Truist Bose George – KBW Geoffrey Dunn – Dowling & Partners Eric Hagen – BTIG Operator Good day. And welcome to the NMI Holdings Inc. First Quarter 2023 Earnings Conference Call.
NMI Holdings (NMIH) Surpasses Q1 Earnings and Revenue Estimates
NMI Holdings (NMIH) came out with quarterly earnings of $0.88 per share, beating the Zacks Consensus Estimate of $0.86 per share. This compares to earnings of $0.77 per share a year ago.
NMI Holdings (NMIH) Up 13.7% in a Year: Will the Rally Last?
NMI Holdings (NMIH) stock rallies on the back of growing size of the U.S. mortgage insurance market, expansion of customer franchise and a well-performing reinsurance market.
Why Is NMI Holdings (NMIH) Down 9.6% Since Last Earnings Report?
NMI Holdings (NMIH) reported earnings 30 days ago. What's next for the stock?
NMI Holdings (NMIH) Q4 Earnings Meet Estimates, Increase Y/Y
NMI Holdings' (NMIH) Q4 results reflect improved premiums and higher net investment income on the back of improving operating performance and persistency.
NMI Holdings, Inc. (NMIH) Q4 2022 Earnings Call Transcript
NMI Holdings, Inc. (NASDAQ:NMIH ) Q4 2022 Earnings Conference Call February 14, 2023 5:00 PM ET Company Participants John Swenson – Vice President-Investor Relations and Treasury Brad Shuster – Executive Chairman Adam Pollitzer – President and Chief Executive Officer Ravi Mallela – Chief Financial Officer Conference Call Participants Mark DeVries – Barclays Bose George – KBW Rick Shane – JPMorgan Mark Hughes – Truist Arren Cyganovich – Citi Geoffrey Dunn – Dowling & Partners Operator Good day, ladies and gentlemen, and welcome to the NMI Holdings, Inc. Fourth Quarter 2022 Earnings Conference Call. All participants will be in a listen-only mode.
NMI Holdings (NMIH) Meets Q4 Earnings Estimates
NMI Holdings (NMIH) delivered earnings and revenue surprises of 0% and 3.79%, respectively, for the quarter ended December 2022. Do the numbers hold clues to what lies ahead for the stock?
Why NMI Holdings (NMIH) Could Beat Earnings Estimates Again
NMI Holdings (NMIH) has an impressive earnings surprise history and currently possesses the right combination of the two key ingredients for a likely beat in its next quarterly report.
NMI Holdings, Inc. to Announce Fourth Quarter and Full Year 2022 Financial Results on February 14, 2023
EMERYVILLE, Calif., Jan. 17, 2023 (GLOBE NEWSWIRE) -- NMI Holdings, Inc., (NASDAQ: NMIH), the parent company of National Mortgage Insurance Corporation (National MI), today announced that it will report results for its fourth quarter and full year ended December 31, 2022 after the market close on Tuesday, February 14, 2023.
NMIH Financial details
NMIH Financial Performance
Yearly Fundamentals Overview
Last date of statement is 2022-12-31
| Metric | History | 2018-12-31 | 2019-12-31 | 2020-12-31 | 2021-12-31 | 2022-12-31 |
|---|---|---|---|---|---|---|
| Revenue per share | 4.21 | 5.48 | 5.59 | 5.67 | 0.01 | |
| Net income per share | 1.66 | 2.54 | 2.2 | 2.7 | 3.45 | |
| Operating cash flow per share | 2.24 | 3.08 | 3.24 | 3.8 | 3.69 | |
| Free cash flow per share | 2.12 | 2.93 | 3.08 | 3.66 | 3.57 | |
| Cash per share | 14.39 | 17.45 | 24.68 | 25.22 | 25.22 | |
| Book value per share | 10.79 | 13.77 | 17.55 | 18.29 | 19 | |
| Tangible book value per share | 10.51 | 19.71 | 27.3 | 17.83 | 18.55 | |
| Share holders equity per share | 10.79 | 13.77 | 17.55 | 18.29 | 19 | |
| Interest debt per share | 2.49 | 2.34 | 5.35 | 4.98 | 5.04 | |
| Market cap | 1.16B | 2.24B | 1.77B | 1.87B | 1.77B | |
| Enterprise value | 1.28B | 2.35B | 2.04B | 2.19B | 2.13B | |
| P/E ratio | 10.75 | 13.04 | 10.3 | 8.09 | 6.06 | |
| Price to sales ratio | 4.24 | 6.06 | 4.05 | 3.85 | 1.59K | |
| POCF ratio | 7.96 | 10.77 | 7 | 5.74 | 5.66 | |
| PFCF ratio | 8.42 | 11.31 | 7.35 | 5.97 | 5.86 | |
| P/B Ratio | 1.65 | 2.41 | 1.29 | 1.19 | 1.1 | |
| PTB ratio | 1.65 | 2.41 | 1.29 | 1.19 | 1.1 | |
| EV to sales | 4.69 | 6.35 | 4.67 | 4.51 | 1.91K | |
| Enterprise value over EBITDA | 8.08 | 9.87 | 8.08 | 6.45 | 5.19 | |
| EV to operating cash flow | 8.8 | 11.29 | 8.07 | 6.73 | 6.79 | |
| EV to free cash flow | 9.31 | 11.85 | 8.48 | 6.99 | 7.03 | |
| Earnings yield | 0.09 | 0.08 | 0.1 | 0.12 | 0.17 | |
| Free cash flow yield | 0.12 | 0.09 | 0.14 | 0.17 | 0.17 | |
| Debt to equity | 0.56 | 0 | 0 | 0.57 | 0.56 | |
| Debt to assets | 0.36 | 0 | 0 | 0.36 | 0.36 | |
| Net debt to EBITDA | 0.77 | 0.45 | 1.08 | 0.95 | 0.86 | |
| Current ratio | 31.19 | 0 | 0 | 0 | 9.36 | |
| Interest coverage | 0 | 18.93 | 9.94 | 10.33 | 12.39 | |
| Income quality | 1.35 | 1.21 | 1.47 | 1.41 | 1.07 | |
| Dividend Yield | 0 | 0 | 0 | 0 | 0 | |
| Payout ratio | 0 | 0 | 0 | 0 | 0 | |
| Sales general and administrative to revenue | 0 | 0.01 | 0 | 0 | 0 | |
| Research and developement to revenue | 0 | 0 | 0 | 0 | 0 | |
| Intangibles to total assets | 0.02 | 0.02 | 0.02 | 0.01 | 0.01 | |
| Capex to operating cash flow | -0.06 | -0.05 | -0.05 | -0.04 | -0.03 | |
| Capex to revenue | -0.03 | -0.03 | -0.03 | -0.03 | -9.5 | |
| Capex to depreciation | -1.03 | -1.07 | -1.22 | -1.09 | -0.89 | |
| Stock based compensation to revenue | 0.05 | 0.04 | 0.03 | 0.03 | 13.86 | |
| Graham number | 20.07 | 28.08 | 29.47 | 33.33 | 38.4 | |
| ROIC | 0 | 0.14 | 0.1 | 0.11 | 0.13 | |
| Return on tangible assets | 0.1 | 0.13 | 0.08 | 0.1 | 0.12 | |
| Graham Net | 8.79 | 17.96 | 25.33 | 15.59 | 15.4 | |
| Working capital | 940.24M | 1.23B | 1.99B | 2.24B | 1.91B | |
| Tangible asset value | 683.63M | 1.34B | 2.13B | 1.53B | 1.58B | |
| Net current asset value | 580.83M | 1.23B | 1.99B | 1.36B | 1.24B | |
| Invested capital | 0.21 | 0.16 | 0.29 | 0.25 | 0.25 | |
| Average receivables | 30.59M | 41.05M | 56.74M | 74.03M | 85.97M | |
| Average payables | 15.57M | 15.57M | 0 | 0 | 37.29M | |
| Average inventory | 0 | 0 | 0 | 0 | 0 | |
| Days sales outstanding | 48.03 | 45.45 | 56.39 | 60.64 | 29.93K | |
| Days payables outstanding | 0 | 0 | 0 | 0 | 0 | |
| Days of inventory on hand | 0 | 0 | 0 | 0 | 0 | |
| Receivables turnover | 7.6 | 8.03 | 6.47 | 6.02 | 0.01 | |
| Payables turnover | 0 | 0 | 0 | 0 | 0 | |
| Inventory turnover | 0 | 0 | 0 | 0 | 0 | |
| ROE | 0.15 | 0.18 | 0.13 | 0.15 | 0.18 | |
| Capex per share | -0.12 | -0.15 | -0.16 | -0.14 | -0.12 |
Quarterly Fundamentals Overview
Last date of statement is 2023-03-31 for Q1
| Metric | History | 2022-03-31 | 2022-06-30 | 2022-09-30 | 2022-12-31 | 2023-03-31 |
|---|---|---|---|---|---|---|
| Revenue per share | 1.48 | 1.55 | 1.55 | 0.01 | 1.64 | |
| Net income per share | 0.79 | 0.88 | 0.91 | 0.87 | 0.89 | |
| Operating cash flow per share | 0.93 | 1.09 | 1.28 | 0.38 | 1.07 | |
| Free cash flow per share | 0.91 | 1.05 | 1.25 | 0.35 | 1.07 | |
| Cash per share | 24.69 | 24.37 | 24.84 | 25.62 | 26.95 | |
| Book value per share | 17.86 | 17.79 | 18.07 | 19.3 | 20.42 | |
| Tangible book value per share | 17.44 | 17.37 | 17.65 | 18.84 | 19.99 | |
| Share holders equity per share | 17.86 | 17.79 | 18.07 | 19.3 | 20.42 | |
| Interest debt per share | 4.69 | 4.7 | 4.78 | 4.83 | 4.84 | |
| Market cap | 1.77B | 1.43B | 1.72B | 1.75B | 1.87B | |
| Enterprise value | 2.04B | 1.75B | 1.99B | 2.1B | 2.18B | |
| P/E ratio | 6.55 | 4.73 | 5.6 | 5.99 | 6.27 | |
| Price to sales ratio | 13.9 | 10.71 | 13.17 | 1.57K | 13.65 | |
| POCF ratio | 22.07 | 15.26 | 15.96 | 54.95 | 20.78 | |
| PFCF ratio | 22.62 | 15.83 | 16.33 | 60.29 | 20.78 | |
| P/B Ratio | 1.15 | 0.94 | 1.13 | 1.08 | 1.09 | |
| PTB ratio | 1.15 | 0.94 | 1.13 | 1.08 | 1.09 | |
| EV to sales | 15.99 | 13.15 | 15.26 | 1.89K | 15.95 | |
| Enterprise value over EBITDA | 20.84 | 16.2 | 18.18 | 22.2 | 20.94 | |
| EV to operating cash flow | 25.39 | 18.74 | 18.49 | 66.08 | 24.29 | |
| EV to free cash flow | 26.03 | 19.43 | 18.91 | 72.5 | 24.29 | |
| Earnings yield | 0.04 | 0.05 | 0.04 | 0.04 | 0.04 | |
| Free cash flow yield | 0.04 | 0.06 | 0.06 | 0.02 | 0.05 | |
| Debt to equity | 0.58 | 0.57 | 0.58 | 0.56 | 0.54 | |
| Debt to assets | 0.37 | 0.36 | 0.37 | 0.36 | 0.35 | |
| Net debt to EBITDA | 2.73 | 3 | 2.48 | 3.74 | 3.03 | |
| Current ratio | 0 | 36.86 | 0 | 9.36 | 0.54 | |
| Interest coverage | 11.79 | 13.07 | 13.27 | 11.42 | 12.96 | |
| Income quality | 1.19 | 1.24 | 1.4 | 0.44 | 1.21 | |
| Dividend Yield | 0 | 0 | 0 | 0 | 0 | |
| Payout ratio | 0 | 0 | 0 | 0 | 0 | |
| Sales general and administrative to revenue | 0 | 0 | 0 | 0 | 0 | |
| Research and developement to revenue | 0 | 0 | 0 | 0 | 0 | |
| Intangibles to total assets | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | |
| Capex to operating cash flow | -0.02 | -0.04 | -0.02 | -0.09 | 0 | |
| Capex to revenue | -0.02 | -0.03 | -0.02 | -2.53 | 0 | |
| Capex to depreciation | -0.64 | -1.13 | -0.83 | -0.97 | 0 | |
| Stock based compensation to revenue | 0.03 | 0.03 | 0.03 | 3.13 | 0.03 | |
| Graham number | 17.79 | 18.77 | 19.23 | 19.47 | 20.23 | |
| ROIC | 0.03 | 0.04 | 0.04 | 0.03 | 0.03 | |
| Return on tangible assets | 0.03 | 0.03 | 0.03 | 0.03 | 0.03 | |
| Graham Net | 15.05 | 14.99 | 15.22 | 15.64 | 16.7 | |
| Working capital | 2.2B | 2.11B | 2.18B | 1.91B | -71.31M | |
| Tangible asset value | 1.5B | 1.49B | 1.49B | 1.58B | 1.67B | |
| Net current asset value | 1.31B | 1.31B | 1.31B | 1.24B | -843.96M | |
| Invested capital | 0.26 | 0.26 | 0.26 | 0.25 | 0.23 | |
| Average receivables | 80.64M | 81.95M | 85.13M | 89.11M | 92.47M | |
| Average payables | 0 | 29.47M | 29.47M | 37.29M | 37.29M | |
| Average inventory | 0 | 0 | 0 | 0 | 0 | |
| Days sales outstanding | 56.88 | 56.26 | 59.93 | 7.38K | 61.64 | |
| Days payables outstanding | 0 | 0 | 0 | 0 | 0 | |
| Days of inventory on hand | 0 | 0 | 0 | 0 | 0 | |
| Receivables turnover | 1.58 | 1.6 | 1.5 | 0.01 | 1.46 | |
| Payables turnover | 0 | 0 | 0 | 0 | 0 | |
| Inventory turnover | 0 | 0 | 0 | 0 | 0 | |
| ROE | 0.04 | 0.05 | 0.05 | 0.05 | 0.04 | |
| Capex per share | -0.02 | -0.04 | -0.03 | -0.03 | 0 |
NMIH Frequently Asked Questions
What is NMI Holdings, Inc. stock symbol ?
NMI Holdings, Inc. is a US stock , located in Emeryville of Ca and trading under the symbol NMIH
Is NMI Holdings, Inc. buy or a sell ?
1 stock analysts have 1 predictions with a medium analyst target price of $25. The lowest prediction is $25 and the highest is $25
What is NMIH stock prediction ?
What is NMI Holdings, Inc. stock quote today ?
NMI Holdings, Inc. stock price is $25.285 today.
Is NMI Holdings, Inc. stock public?
Yes, NMI Holdings, Inc. is a publicly traded company.
Company Profile
- Volume Average 390.58K
- Market Capitalization 2.1B
- Employee 242
- CEO Mr. Adam S. Pollitzer
- Headquarters EmeryVille,CA,US
- IPO Date 2013-11-08
-
Website
https://www.nationalmi.com 
NMI Holdings, Inc. provides private mortgage guaranty insurance services in the United States. The company offers 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. NMI Holdings, Inc. was incorporated in 2011 and is headquartered in Emeryville, California.
