NMI Holdings Inc (NMIH) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
NMI Holdings Inc stock (NMIH) is currently trading at $37.22. NMI Holdings Inc PE ratio is 7.48. NMI Holdings Inc PS ratio (Price-to-Sales) is 4.00. Analyst consensus price target for NMIH is $46.29. WallStSmart rates NMIH as Moderate Buy.
- NMIH PE ratio analysis and historical PE chart
- NMIH PS ratio (Price-to-Sales) history and trend
- NMIH intrinsic value — DCF, Graham Number, EPV models
- NMIH stock price prediction 2025 2026 2027 2028 2029 2030
- NMIH fair value vs current price
- NMIH insider transactions and insider buying
- Is NMIH undervalued or overvalued?
- NMI Holdings Inc financial analysis — revenue, earnings, cash flow
- NMIH Piotroski F-Score and Altman Z-Score
- NMIH analyst price target and Smart Rating
NMI Holdings Inc
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NMIH Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · NMI Holdings Inc (NMIH)
NMIH trades at a significant discount to its Graham intrinsic value of $128.71, offering a 68% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
NMI Holdings Inc (NMIH) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, profit margin. Overall metrics suggest strong investment potential with favorable risk/reward.
NMI Holdings Inc (NMIH) Key Strengths (6)
Keeps $71 of every $100 in revenue after operating costs
Keeps $55 of every $100 in revenue as net profit
99.86% of shares held by major funds and institutions
Trading at 1.08x book value, attractively priced
Mid-cap company balancing growth potential with stability
Solid profitability: $16 profit per $100 equity
Supporting Valuation Data
NMI Holdings Inc (NMIH) Areas to Watch (4)
Premium valuation at 4.0x annual revenue
Modest revenue growth at 8.50%
Growth is fairly priced, not cheap, not expensive
Solid earnings growth at 12.10%
NMI Holdings Inc (NMIH) Detailed Analysis Report
Overall Assessment
This company scores 71/100 in our Smart Analysis, earning a B grade. Out of 10 metrics analyzed, 6 register as strengths (avg 8.7/10) while 4 fall into concern territory (avg 5.0/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Operating Margin, Profit Margin, Institutional Own.. Valuation metrics including Price/Book (1.08) suggest the stock is attractively priced. Profitability is solid with Return on Equity at 16.20%, Operating Margin at 71.00%, Profit Margin at 55.00%.
The Bear Case
The primary concerns are Price/Sales, Revenue Growth, PEG Ratio. Some valuation metrics including PEG Ratio (1.66), Price/Sales (4.00) suggest expensive pricing. Growth concerns include Revenue Growth at 8.50%, EPS Growth at 12.10%, which may limit upside.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Price/Sales improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 16.20% currently healthy but needing to be sustained. Third, growth sustainability, with Revenue Growth at 8.50% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of Operating Margin and Profit Margin makes a compelling case at current levels. The key risk is Price/Sales, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
NMIH Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
NMIH's Price-to-Sales ratio of 4.00x trades at a deep discount to its historical average of 63.75x (25th percentile). The current valuation is 100% below its historical high of 3758.81x set in Nov 2013, and 70% above its historical low of 2.36x in Apr 2020.
WallStSmart Analysis Synopsis
Data-driven financial summary for NMI Holdings Inc (NMIH) · FINANCIAL SERVICES › INSURANCE - SPECIALTY
The Big Picture
NMI Holdings Inc is a mature, profitable business with steady cash generation. Revenue reached 706M with 9% growth year-over-year. Profit margins are strong at 55.0%, reflecting pricing power and operational efficiency.
Key Findings
Profit margin of 55.0% and operating margin of 71.0% demonstrate strong pricing power and operational efficiency.
Generating 60M in free cash flow and 62M in operating cash flow. Earnings are translating into actual cash generation.
What to Watch Next
Sector dynamics: monitor INSURANCE - SPECIALTY industry trends, competitive moves, and regulatory changes that could impact NMI Holdings Inc.
Bottom Line
NMI Holdings Inc is a well-established business delivering consistent profitability with 55.0% margins. The growth phase may be slowing, but strong cash generation and operational efficiency make it suitable for investors seeking reliability over excitement.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About NMI Holdings Inc(NMIH)
NASDAQ
FINANCIAL SERVICES
INSURANCE - SPECIALTY
USA
NMI Holdings, Inc. provides private home equity insurance services in the United States. The company is headquartered in Emeryville, California.