NMI Inc.

NASDAQ: NMIH · Real-Time Price · USD
39.61
-0.11 (-0.28%)
At close: Jun 02, 2025, 3:59 PM
39.99
0.96%
After-hours: Jun 02, 2025, 05:42 PM EDT

NMI Statistics

Share Statistics

NMI has 78.12M shares outstanding. The number of shares has increased by -2.27% in one year.

Shares Outstanding 78.12M
Shares Change (YoY) -2.27%
Shares Change (QoQ) -0.86%
Owned by Institutions (%) 93.87%
Shares Floating n/a
Failed to Deliver (FTD) Shares 6
FTD / Avg. Volume n/a

Short Selling Information

The latest short interest is 2.03M, so 2.6% of the outstanding shares have been sold short.

Short Interest 2.03M
Short % of Shares Out 2.6%
Short % of Float 3.29%
Short Ratio (days to cover) 3.21

Valuation Ratios

The PE ratio is 8.15 and the forward PE ratio is 7.79. NMI's PEG ratio is 0.53.

PE Ratio 8.15
Forward PE 7.79
PS Ratio 4.51
Forward PS 4.7
PB Ratio 1.32
P/FCF Ratio 7.59
PEG Ratio 0.53
Financial Ratio History

Enterprise Valuation

NMI has an Enterprise Value (EV) of 3.3B.

EV / Sales 5.06
EV / EBITDA 6.43
EV / EBIT 8.37
EV / FCF 8.52

Financial Position

The company has a current ratio of 3.48, with a Debt / Equity ratio of 0.19.

Current Ratio 3.48
Quick Ratio 3.48
Debt / Equity 0.19
Debt / EBITDA 0.81
Debt / FCF 1.07
Interest Coverage 12.56

Financial Efficiency

Return on Equity is 16.24% and Return on Invested Capital is 10.8%.

Return on Equity 16.24%
Return on Assets 10.75%
Return on Invested Capital 10.8%
Revenue Per Employee $2,830,308.7
Profits Per Employee $1,565,678.26
Employee Count 230
Asset Turnover 0.19
Inventory Turnover n/a

Taxes

Income Tax 103.31M
Effective Tax Rate 22.29%

Stock Price Statistics

The stock price has increased by 18.03% in the last 52 weeks. The beta is 0.56, so NMI's price volatility has been higher than the market average.

Beta 0.56
52-Week Price Change 18.03%
50-Day Moving Average 36.2
200-Day Moving Average 37.76
Relative Strength Index (RSI) 65.75
Average Volume (20 Days) 684,285

Income Statement

In the last 12 months, NMI had revenue of 650.97M and earned 360.11M in profits. Earnings per share was 4.51.

Revenue 650.97M
Gross Profit 650.97M
Operating Income 463.41M
Net Income 360.11M
EBITDA 512.24M
EBIT 500.31M
Earnings Per Share (EPS) 4.51
Full Income Statement

Balance Sheet

The company has 54.22M in cash and 415.15M in debt, giving a net cash position of -360.93M.

Cash & Cash Equivalents 54.22M
Total Debt 415.15M
Net Cash -360.93M
Retained Earnings 1.58B
Total Assets 3.46B
Working Capital 158.36M
Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was 393.6M and capital expenditures -6.91M, giving a free cash flow of 386.7M.

Operating Cash Flow 393.6M
Capital Expenditures -6.91M
Free Cash Flow 386.7M
FCF Per Share 4.84
Full Cash Flow Statement

Margins

Gross margin is 100%, with operating and profit margins of 71.19% and 55.32%.

Gross Margin 100%
Operating Margin 71.19%
Pretax Margin 71.19%
Profit Margin 55.32%
EBITDA Margin 78.69%
EBIT Margin 71.19%
FCF Margin 59.4%

Dividends & Yields

NMIH does not appear to pay any dividends at this time.

Dividend Per Share n/a
Dividend Yield n/a
Dividend Growth (YoY) n/a
Payout Ratio n/a
Earnings Yield 12.27%
FCF Yield 13.18%
Dividend Details

Analyst Forecast

The average price target for NMIH is $41, which is 3.5% higher than the current price. The consensus rating is "Buy".

Price Target $41
Price Target Difference 3.5%
Analyst Consensus Buy
Analyst Count 7
Stock Forecasts

Scores

Altman Z-Score 2.97
Piotroski F-Score 6