Is NMI Holdings, Inc. (NMIH) Overvalued?
We dive into why NMI Holdings, Inc. (NMIH) could be considered overvalued on 2026-07-31, based on AAII’s Value Score and Grade.Tudor Pop
A+ Stock Grade Summary:
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COMPANY SUMMARY
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.
Commentary & Analysis
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Financial Summary
| Share Statistics | NMIH | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $3,414.1 | $2,326.5 | 61% |
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| Shares Out (Mil) | 76.6 | 72.9 | 57% |
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| Institutional Ownership | 98.2% | 86.4% | 78% |
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| Float (Mil) | 73.8 | 62.0 | 55% |
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| Beta | 0.54 | 0.87 | 31% |
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| Avg Daily Volume (000s) | 384 | 537 | 54% |
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| Price Change (52-week) |
15.9% | 78.6% | 58% |
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| Growth | NMIH | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 10.3% | 10.5% | 59% |
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| Net Income (5yr) | 17.8% | 8.2% | 69% |
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| EPS (5yr) | 18.2% | 11.8% | 65 |
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| Dividends (5yr) | 0.0% | 0.0% | 0% |
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| Cash Flow (5yr) | (16.2%) | (15.0%) | 45% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 6 | 6 | 6 | |
| Current EPS | $1.292 | $5.259 | $5.462 | |
| Month Ago EPS | $1.284 | $5.128 | $5.362 | |
| # Rev Up | 1 | 1 | 1 | |
| # Rev Down | 0 | 0 | 1 | |
| Three Months Ago EPS | $1.292 | $5.150 | $5.418 | |
| Year/Year Chg | (6.4%) | 6.9% | 18.3% | |
| Financials | NMIH | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $731 | $1,233 | 46% |
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| Net Income (TTM) (Mil) | $395 | $86 | 76% |
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| EPS (TTM) | $5.167 | $0.700 | 87% |
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| Operating Cash Flow (TTM) (Mil) | $449 | $166 | 70% |
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| Net Cash Flow (TTM) (Mil) | ($12) | $5 | 29% |
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| Long-Term Debt (Q1) (Mil) | $426 | $730 | 57% |
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| Enterprise Value (Q1) (Mil) | $3,679 | $3,817 | 57% |
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| Valuation | NMIH | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.26 | 1.38 | 31% |
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| P/E | 8.9 | 18.2 | 13% |
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| Dividend Yield | 0.0% | 0.0% | 0% |
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| PEG (5yr hist) | 0.5 | 0.9 | 24% |
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| Ratios | NMIH | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | 76.4% | 61.5% | 86% |
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| Net Margin | 54.1% | 7.3% | 97% |
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| ROA | 10.4% | 1.0% | 88% |
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| ROE | 15.4% | 10.7% | 72% |
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| Liabilities to Assets | 32.3% | 74.8% | 23% |
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| F-Score | 5 | 5 | 50% |
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Passing Stock Screens
As of 8/20/2026, from a list of 60 stock screening strategies,
GURU STRATEGY
Lakonishok Screen
Factors: Value, Momentum
Identifying stocks trading at a discount to their industry norms but showing recent price strength and upward earnings revisions.
| Performance Since Inception: | 13.2% |
| +/- S&P 500: | +5.7 |
