NMIH | Ticker Profile - Titan Protect

NMIH

NMI Holdings, Inc.

Financial Services · Insurance - Specialty · NGM

$36.55

Data: 2026-05-28

✗ ETHICAL FAIL

Unknown MOAT

HIGH

Data Confidence: 100.0%

Key Metrics

How this company measures up on the fundamentals that matter

Market Cap

$2.8B

Total market value of the company

Trailing P/E

7.49

Very cheap relative to earnings

Forward P/E

6.82

Based on estimated future earnings — lower means cheaper

Rev Growth

+5.9%

Year-over-year revenue change

Profit Margin

53.8%

How much profit the company keeps from each dollar of revenue

ROE

15.6%

Return on equity — how efficiently it uses shareholder money

Analyst Target

$46.00

+26% from current price — median analyst estimate

Recommendation

BUY

Consensus view from 7 analysts covering this stock

About NMI Holdings, Inc.

NMI Holdings, Inc., together with its subsidiaries, provides private mortgage guaranty insurance services in the United States. It provides primary mortgage insurance services; and outsourced loan review services to mortgage loan originators. The company 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.

https://www.nationalmi.com

Country: United States Employees: 225 Industry: Insurance - Specialty

Ethical Screening

Five compliance checks based on AAOIFI standards — all must pass for ethical clearance

Business Activity

FAIL

Core business does not involve prohibited activities

Debt Ratio

0.0% N/A

Debt must be below 33% of total assets

Cash Ratio

0.0% N/A

Interest-bearing cash below 33% of assets

Receivables

0.0% N/A

Receivables below 49% of assets

Revenue Purity

0.0% N/A

Non-compliant revenue below 5% — any excess requires purification

Quantitative Intelligence

Statistical analysis of price behaviour, risk, and market regime — independent of fundamental data

Regime

DISTRIBUTION

Smart money appears to be selling into strength — caution

Sharpe Ratio

0.367

Positive but modest risk-adjusted returns

Kelly Fraction

0.0215

Modest edge detected — smaller position warranted

Calmar Ratio

0.292

Drawdown risk outweighs the returns — higher risk profile

Annual Return

6.3%

Historical annualised return based on price data

Max Drawdown

-21.4%

Largest peak-to-trough decline — the worst it has been

HMM State

CRISIS

Elevated risk detected — extreme caution warranted

Days in State

How long the current regime has persisted — longer means more stable

Market Data

Trading characteristics and market positioning

Beta

0.59

Less volatile than the market — more defensive

52W High

$43.20

15% below the year high

52W Low

$34.84

5% above the year low

Avg Volume

484,688

Average daily shares traded — higher means easier to buy and sell

Short Ratio

3.2

Days it would take all short sellers to cover — higher means more crowded

Short % Float

2.8%

Low short interest — limited bearish positioning

Div Yield

N/A

Annual dividend as a percentage of the share price

EPS (TTM)

$4.92

Earnings per share over the last 12 months

Financial Health

Balance sheet strength and cash generation — the foundation of long-term value

Debt/Equity

16.17

Heavy leverage — higher financial risk if revenues decline

Current Ratio

1.81

Healthy liquidity position

Quick Ratio

0.51

Like current ratio but excludes inventory — stricter test

Gross Margin

76.0%

Revenue left after cost of goods — higher means pricing power

Operating Margin

72.0%

Profit from core operations before interest and tax

Free Cash Flow

$313M

Positive — the business generates more cash than it spends

Revenue (TTM)

$717M

Total revenue over the last 12 months

Net Income

$386M

Profitable — the bottom line is positive

Analyst Coverage

Analysts

Target High

$49.00

Target Median

$46.00

Target Low

$43.00

Explore the Ethical Screener View Track Record

Data sourced from public filings and market feeds. Not financial advice. Updated: 2026-05-28

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