NMI Holdings Inc (NMIH)
InfravaloradaFundamental
82
Precio
$37.32
Capitalización Bursátil
$2.81B
Parte 1 · Cuánto vale la empresa
Resumen
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.
No editorial profile for this company yet
Direct competitors
Who this company fights with for the same customers
Generated on 19 de septiembre de 2026 with claude-haiku-4-5 — shared with all users
The former Genworth mortgage insurance business, writing the same US private mortgage insurance on conforming loans through the same lender distribution channel.
Through its Arch MI unit it is one of the six private mortgage insurers National MI lists as competitors, and it can price aggressively because mortgage insurance is only one part of a larger insurance and reinsurance group.
The largest US private mortgage insurer by insurance in force, selling the same GSE-eligible borrower-paid coverage to the same mortgage lenders and loan officers that National MI sells to.
Named by NMI Holdings in its own annual report as one of the six active private mortgage insurers, competing on price and lender relationships for the same high-loan-to-value purchase mortgages.
A private mortgage insurer of similar vintage and size to National MI, bidding for the same lender master policies with a comparable reinsurance-backed capital model.
Balance y Liquidez
Ingresos
$731M
Últimos 12 meses (hasta 30/6/2026)
Beneficio Neto
$395M
Últimos 12 meses (hasta 30/6/2026)
Flujo de Caja Libre
$413M
Patrimonio Neto Total
$2.59B
Pasivo Total
$1.25B
Ratio de Liquidez
-
Cobertura de Intereses
-
Deuda/EBITDA
0.77
Beneficio Por Acción
Ingresos y Beneficio Neto
Flujo de Caja Libre
Desglose de Ingresos
Estado histórico
Márgenes en el tiempo
La deuda en el tiempo
Cuánto pesa la deuda
Cuadro de crecimiento
Crecimiento — Ingresos
Estimación de Valor Justo
Valor Justo
$111.33
Precio Actual
$37.32
Margen de Seguridad
+66.5%
Rango de Valor Justo
$72.37 - $150.30
Dispersión entre los métodos de valoración utilizados, no un intervalo de confianza calibrado estadísticamente.
Métodos de Estimación
Métricas de Valoración
Ratio P/E
7.33
ROE
15.0%
Ratio P/B
1.04
P/FCF
6.36
Margen Bruto
-
ROIC
-
Radar de Rentabilidad
Creación de Valor (Ventaja Competitiva)
ROIC
-
WACC
7.7%
ROIC − WACC
-
Criterios de Análisis Fundamental
Superado (18)
- EPS shows upward trend
- Price CAGR 14.76%
- P/FCF 6.36
- P/B Ratio 1.04
- Debt/Equity ratio
- Positive Free Cash Flow
- CapEx intensity
- Debt/EBITDA
- Return on Tangible Assets
- Low reliance on intangibles
- Price below Graham Number
- ROE 15.1%
- Revenue Growth 5Y 10.3%
- Analyst Consensus 71% Buy
- PEG Ratio 0.43
- Earnings Quality (OCF/NI) 1.13
- Share Dilution -2.8%
- Piotroski F-Score 5/9
Fallido (3)
- DCF valuation (Fairly valued)
- Earnings Surprise avg 1.2%
- Net Margin Trend 54.1% vs 55.6%
No disponible (6)
- ROIC NaN%
- Gross Margin NaN%
- Dividend Payout NaN%
- Operating Margin NaN%
- Current Ratio
- Interest Coverage
Piotroski F-Score
Señales mixtas: algunas áreas requieren atención
Calidad de los Beneficios
Alta calidad: beneficios respaldados por efectivo
Dilución de Acciones
Recomprando acciones. Favorable para el accionista
Participaciones institucionales
Gobernanza
Equipo Directivo
| Nombre | Cargo | Edad |
|---|---|---|
| Mr. Bradley Mize Shuster C.F.A. | Executive Chairman | 70 |
| Mr. Adam S. Pollitzer | President, CEO & Director | 45 |
| Ms. Aurora Jean Swithenbank | Executive VP & CFO | 49 |
| Mr. William J. Leatherberry J.D. | Executive VP, Chief Administrative Officer General Counsel & Secretary | 54 |
| Mr. Robert Owen Smith | Executive VP & Chief Risk Officer | 55 |
| Mr. Mohammad Yousaf | EVP, Chief of Operations & Technology | 49 |
| Mr. John M. Swenson | Vice President of Investor Relations & Treasury | - |
| Ms. Lesley Alli | Senior VP of Industry Relations & Corporate Communications | - |
| Mr. Norman P. Fitzgerald | Executive VP & Chief Sales Officer | 58 |
| Ms. Allison Miller | Senior VP & CHRO | - |
Riesgo de Auditoría
1
Riesgo del Consejo
4
Riesgo de Compensación
2
Riesgo de Derechos del Accionista
7
Parte 2 · El precio y el momento de entrar
Esta parte no sirve para saber si la empresa vale: sirve para elegir cuándo comprarla, una vez que los fundamentales te han convencido. Dentro: análisis técnico, potencial, caídas históricas, exposición gamma.
Documentos
- Ver documento
Informe anual (10-K)
Un resumen anual del negocio, los resultados financieros y los riesgos de la empresa.
Presentado el 2026-02-12
- Ver documento
Informe trimestral (10-Q)
Una actualización del desempeño financiero de los últimos tres meses.
Presentado el 2026-07-31
- Ver documento
Informe de hecho relevante (8-K)
Un aviso sobre un hecho relevante, como un cambio de dirección o un anuncio importante.
Presentado el 2026-07-30
via SEC EDGAR
Historial de Resultados
via SEC EDGAR
Latest News
Recent headlines for NMIH, sourced from Markets Gazette.