NMIH
NMI Holdings, Inc. [NMIH] Stock Forecast
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NMIH
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Buy NMI Holdings: 17% Cash Return, Still Growing
NMI Holdings has reported a strong operating cash flow of $116 million for Q3, representing a 17% cash return on the current stock price. The company's success can be attributed to active marketing, conservative underwriting, and careful expense management. Future drivers for cash EPS growth include mortgage debt growth, stable to improving pricing, potential market share expansion, greater investment income, and share repurchases.
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NMIH vs. BRK.B: Which Stock Should Value Investors Buy Now?
Investors interested in stocks from the Insurance - Property and Casualty sector have probably already heard of NMI Holdings (NMIH) and Berkshire Hathaway B (BRK.B). But which of these two stocks offers value investors a better bang for their buck right now?
NMI Holdings (NMIH) Stock Rises 35.2% YTD: More Room to Run?
NMI Holdings (NMIH) stock rallies on the back of new business production, higher single premium policy cancellations, improved total mortgage origination volume and a strong capital position.
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NMI Holdings (NMIH) Q3 Earnings Top, Insurance in Force Rises
NMI Holdings (NMIH) third-quarter results reflect higher premiums and net investment income, and higher persistency.
NMI Holdings, Inc. (NMIH) Q3 2023 Earnings Call Transcript
NMI Holdings, Inc. (NASDAQ:NMIH ) Q3 2023 Earnings Conference Call November 1, 2023 5:00 PM ET Company Participants John Swenson - VP, IR and Treasury Bradley Shuster - Executive Chairman Adam Pollitzer - President and CEO Ravi Mallela - CFO Conference Call Participants Rick Shane - JPMorgan Bose George - KBW Max Mosbacher - Truist Securities Eric Hagen - BTIG Daniel Eisen - Bank of America Geoffrey Dunn - Dowling Operator Good day, and welcome to the NMI Holdings Third Quarter 2023 Earnings Conference Call. After today's presentation, there'll be an opportunity to ask questions.
Compared to Estimates, NMI Holdings (NMIH) Q3 Earnings: A Look at Key Metrics
The headline numbers for NMI Holdings (NMIH) give insight into how the company performed in the quarter ended September 2023, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals.
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3 Insurance Stocks With More Than 25% YTD Gains to Buy
Banking on strong fundamentals and benefiting from a favorable macro backdrop, KNSL, NMIH, and PRI have not only outperformed the industry but also crushed the market and the Finance sector.
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 |
|---|---|---|---|---|---|---|
| 2.02K | 2.02K | 2.02K | 2.02K | 2.02K | ||
| Revenue per share | 4.21 | 5.48 | 5.59 | 5.67 | 6.18 | |
| 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 | 14.41 | 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 | 10.3 | 16.72 | 20.82 | 21.64 | 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 | 3.38 | |
| 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 | 4.06 | |
| Enterprise value over EBITDA | 8.08 | 10.53 | 9.07 | 7.16 | 5.19 | |
| EV to operating cash flow | 8.79 | 11.29 | 8.07 | 6.73 | 6.79 | |
| EV to free cash flow | 9.3 | 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 | 0.21 | 0.16 | 0.29 | 0.25 | 0.25 | |
| Debt to assets | 0.13 | 0.11 | 0.18 | 0.16 | 0.16 | |
| Net debt to EBITDA | 0.77 | 0.48 | 1.21 | 1.05 | 0.86 | |
| Current ratio | 31.19 | 0 | 0 | 0 | 9.36 | |
| Interest coverage | 10.08 | 17.69 | 8.81 | 9.27 | 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 | 0.03 | 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 | -0.02 | |
| 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 | 0.03 | |
| Graham number | 20.07 | 28.08 | 29.47 | 33.33 | 38.4 | |
| ROIC | 0.14 | 0.16 | 0.1 | 0.12 | 0.15 | |
| Return on tangible assets | 0.1 | 0.13 | 0.08 | 0.1 | 0.12 | |
| Graham Net | 8.82 | 14.97 | 18.84 | 19.4 | 15.4 | |
| Working capital | 940.24M | 1.23B | 1.99B | 2.24B | 1.91B | |
| Tangible asset value | 673.1M | 1.13B | 1.63B | 1.86B | 1.58B | |
| Net current asset value | 580.83M | 1.02B | 1.49B | 1.68B | 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 | 63.52 | |
| 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 | 5.75 | |
| 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 2023-09-30 for Q3
| Metric | History | 2022-09-30 | 2022-12-31 | 2023-03-31 | 2023-06-30 | 2023-09-30 |
|---|---|---|---|---|---|---|
| 2.02K | 2.02K | 2.02K | 2.02K | 2.02K | ||
| Revenue per share | 1.55 | 1.59 | 1.64 | 1.72 | 1.8 | |
| Net income per share | 0.91 | 0.87 | 0.89 | 0.97 | 1.02 | |
| Operating cash flow per share | 1.28 | 0.38 | 1.07 | 1.23 | 0.05 | |
| Free cash flow per share | 1.25 | 0.35 | 1.06 | 1.19 | 0.05 | |
| Cash per share | 24.84 | 25.62 | 26.95 | 5.31 | 28.89 | |
| Book value per share | 18.07 | 19.3 | 20.42 | 21.08 | 21.82 | |
| Tangible book value per share | 17.65 | 18.84 | 19.99 | 20.65 | 21.82 | |
| Share holders equity per share | 18.07 | 19.3 | 20.42 | 21.08 | 21.82 | |
| Interest debt per share | 4.78 | 4.83 | 4.84 | 4.88 | 4.94 | |
| Market cap | 1.72B | 1.75B | 1.87B | 2.14B | 2.22B | |
| Enterprise value | 1.99B | 2.1B | 2.18B | 2.47B | 2.45B | |
| P/E ratio | 5.6 | 5.99 | 6.27 | 6.67 | 6.62 | |
| Price to sales ratio | 13.17 | 13.13 | 13.65 | 15.01 | 15.01 | |
| POCF ratio | 15.96 | 54.95 | 20.78 | 21.02 | 511.38 | |
| PFCF ratio | 16.33 | 60.29 | 21.14 | 21.66 | 511.38 | |
| P/B Ratio | 1.13 | 1.08 | 1.09 | 1.22 | 1.24 | |
| PTB ratio | 1.13 | 1.08 | 1.09 | 1.22 | 1.24 | |
| EV to sales | 15.26 | 15.78 | 15.95 | 17.29 | 16.52 | |
| Enterprise value over EBITDA | 18.18 | 22.2 | 20.94 | 23.72 | 22.8 | |
| EV to operating cash flow | 18.49 | 66.08 | 24.29 | 24.22 | 562.65 | |
| EV to free cash flow | 18.91 | 72.5 | 24.71 | 24.96 | 562.65 | |
| Earnings yield | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | |
| Free cash flow yield | 0.06 | 0.02 | 0.05 | 0.05 | 0 | |
| Debt to equity | 0.26 | 0.25 | 0.23 | 0.23 | 0.22 | |
| Debt to assets | 0.16 | 0.16 | 0.15 | 0.15 | 0.14 | |
| Net debt to EBITDA | 2.48 | 3.74 | 3.03 | 3.13 | 2.08 | |
| Current ratio | 0 | 9.36 | 0.54 | 0.47 | 1.14 | |
| Interest coverage | 13.27 | 11.42 | 12.62 | 12.93 | 13.31 | |
| Income quality | 1.4 | 0.44 | 1.21 | 1.27 | 0 | |
| 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 | |
| Capex to operating cash flow | -0.02 | -0.09 | -0.02 | -0.03 | 0 | |
| Capex to revenue | -0.02 | -0.02 | -0.01 | -0.02 | 0 | |
| Capex to depreciation | -0.83 | -0.97 | -0.54 | -1.07 | 0 | |
| Stock based compensation to revenue | 0.03 | 0.03 | 0.03 | 0.03 | 0 | |
| Graham number | 19.23 | 19.47 | 20.23 | 21.43 | 22.4 | |
| ROIC | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | |
| Return on tangible assets | 0.03 | 0.03 | 0.03 | 0.03 | 0.03 | |
| Graham Net | 15.22 | 15.64 | 16.7 | -5.16 | 17.97 | |
| Working capital | 2.18B | 1.91B | -71.31M | -81.09M | 22.05M | |
| Tangible asset value | 1.49B | 1.58B | 1.67B | 1.71B | 1.79B | |
| Net current asset value | 1.31B | 1.24B | -843.96M | -867.58M | -794.61M | |
| Invested capital | 0.26 | 0.25 | 0.23 | 0.23 | 0.22 | |
| Average receivables | 85.13M | 89.11M | 92.47M | 95.03M | 97.86M | |
| Average payables | 29.47M | 37.29M | 37.29M | 0 | 0 | |
| Average inventory | 1.04B | 0 | 0 | 0 | 0 | |
| Days sales outstanding | 59.93 | 61.71 | 61.64 | 60.8 | 60.34 | |
| Days payables outstanding | 0 | 0 | 0 | 0 | 0 | |
| Days of inventory on hand | 0 | 0 | 0 | 0 | 0 | |
| Receivables turnover | 1.5 | 1.46 | 1.46 | 1.48 | 1.49 | |
| Payables turnover | 0 | 0 | 0 | 0 | 0 | |
| Inventory turnover | 0 | 0 | 0 | 0 | 0 | |
| ROE | 0.05 | 0.05 | 0.04 | 0.05 | 0.05 | |
| Capex per share | -0.03 | -0.03 | -0.02 | -0.04 | 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 $28.25 today.
Is NMI Holdings, Inc. stock public?
Yes, NMI Holdings, Inc. is a publicly traded company.
Company Profile
- Volume Average 562.1K
- Market Capitalization 2.28B
- Employee 239
- 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.
