NMI Holdings Inc (NMIH)
被低估基本面
82
价格
$38.30
市值
$2.81B
第一部分 · 这家公司值多少
概览
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.
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Direct competitors
Who this company fights with for the same customers
Generated on 2026年9月19日 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.
资产负债表与流动性
营收
$731M
最近12个月（截至2026/6/30）
净利润
$395M
最近12个月（截至2026/6/30）
自由现金流
$413M
股东权益合计
$2.59B
负债合计
$1.25B
流动比率
-
利息覆盖率
-
债务/EBITDA
0.77
每股收益
营收与净利润
自由现金流
收入构成
历史财务表
利润率变化
债务变化
债务负担有多重
增长一览表
增长 — 营业收入
公允价值估算
公允价值
$111.33
当前价格
$38.30
安全边际
+65.6%
公允价值区间
$72.37 - $150.30
所用估值方法之间的离散区间，并非经过统计校准的置信区间。
估算方法
估值指标
市盈率（P/E）
7.33
ROE
15.0%
市净率（P/B）
1.04
P/FCF
6.36
毛利率
-
ROIC
-
盈利能力雷达图
价值创造（经济护城河）
ROIC
-
WACC
7.7%
ROIC − WACC
-
基本面分析标准
通过（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
未通过（3）
- DCF valuation (Fairly valued)
- Earnings Surprise avg 1.2%
- Net Margin Trend 54.1% vs 55.6%
不可用（6）
- ROIC NaN%
- Gross Margin NaN%
- Dividend Payout NaN%
- Operating Margin NaN%
- Current Ratio
- Interest Coverage
Piotroski F-评分
信号混杂：部分领域需关注
盈利质量
高质量：盈利有现金流支撑
股权稀释
正在回购股份，对股东友好
机构持股
公司治理
管理团队
| 姓名 | 职位 | 年龄 |
|---|---|---|
| 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 | - |
审计风险
1
董事会风险
4
薪酬风险
2
股东权利风险
7
第二部分 · 价格与买入时机
这一部分不判断公司是否值得拥有：它帮助你在基本面说服你之后，选择何时买入。包含：技术分析、潜力、历史回撤、Gamma 敞口。
损益历史
via SEC EDGAR
Latest News
Recent headlines for NMIH, sourced from Markets Gazette.