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NMI Holdings, Inc. (NMIH)
Financial Services · Insurance - Specialty · NasdaqGM
NMI Holdings, Inc. revenue & earnings — last 10 fiscal years
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $123.81M | $182.74M | $275.02M | $378.77M | $433.28M | $485.07M | $523.35M | $579.00M | $650.97M | $706.44M |
| Gross profit | — | — | — | — | — | — | — | — | — | — |
| Net income | $64.00M | $22.05M | $107.93M | $171.96M | $171.57M | $231.13M | $292.90M | $322.11M | $360.11M | $388.93M |
| Net margin | 51.7% | 12.1% | 39.2% | 45.4% | 39.6% | 47.6% | 56.0% | 55.6% | 55.3% | 55.1% |
Source: NMI Holdings, Inc. SEC filings (10-K). 15 years of history available in the interactive view.
What growth is priced into NMIH stock?
At today's market cap of $2.80B, NMI Holdings, Inc. is priced for free-cash-flow growth of about -7.4% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $412.52M from the FY ending 2025-12-31). For comparison, free cash flow actually grew 11.4%/yr over the last five fiscal years and revenue 10.3%/yr, computed from its SEC filings. This is a reverse DCF — a translation of the price into a growth assumption you can judge, not a fair value and not advice. Change the assumptions yourself in the interactive view →
Explore 15 years of NMI Holdings, Inc. financials — interactive
Full income statement, balance sheet and cash flow with CAGR and trend on every row, 48 quarters, valuation ratios, plain-English health checks, and Ask — our SEC-grounded research assistant.
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NMI Holdings, Inc. financial history by metric
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.
NMI Holdings, Inc. — frequently asked questions
What is NMI Holdings, Inc.'s revenue?
NMI Holdings, Inc. (NMIH) reported revenue of $706.44M for fiscal year 2025, up 8.5% from the prior year, according to its SEC filings.
Is NMI Holdings, Inc. profitable?
Yes. NMIH earned net income of $388.93M in fiscal 2025, a net margin of 55.1%.
What is NMIH's P/E ratio?
NMI Holdings, Inc. trades at a price-to-earnings ratio of about 7.5 based on the latest data in our nightly-refreshed cache.
How fast is NMI Holdings, Inc. growing?
NMIH's revenue grew at roughly 10.3% per year over the last five fiscal years (compound annual growth rate), computed from SEC-filed statements.
How much debt does NMI Holdings, Inc. have?
As of fiscal year 2025, NMIH carried roughly $0 in total debt (short- plus long-term borrowings), per its filed balance sheet.
What is NMI Holdings, Inc.'s market cap?
NMI Holdings, Inc. (NMIH) has a market capitalization of about $2.80B, based on the latest data in our nightly-refreshed cache.
When does NMI Holdings, Inc.'s fiscal year end?
NMIH's fiscal year ends in December. Its most recent annual filing covers the fiscal year ending 2025-12-31.
What growth is priced into NMIH stock?
At today's market cap of $2.80B, NMI Holdings, Inc. is priced for free-cash-flow growth of about -7.4% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $412.52M from the FY ending 2025-12-31). For comparison, free cash flow actually grew 11.4%/yr over the last five fiscal years and revenue 10.3%/yr, computed from its SEC filings.
Where does this data come from?
All figures are computed from NMI Holdings, Inc.'s official SEC filings (10-K and 10-Q), covering 15 years of history, refreshed nightly. stockportfolio.pro does not provide investment advice.