NMI Holdings, Inc. (NMIH) — Stock Score Summary

NMI Holdings, Inc. (NMIH) has a MoatMap StockRank of 82/100 based on Quality (77/100), Value (58/100), and Momentum (32/100) factor scores. The current signal is STRONG BUY. NMI Holdings is a high-quality mortgage insurer, but its business model is highly cyclical and sensitive to US housing market dynamics, lacking any structural alignment with our 18-month macro themes.

NMI Holdings, Inc. operates as a leading provider of private mortgage insurance in the United States, offering credit enhancement to lenders and enabling broader access to homeownership. The company differentiates itself through a modern technology platform, competitive pricing, and strong customer relationships with mortgage originators, which together enhance efficiency and risk management. As a newer, tech-forward entrant, NMIH has rapidly grown its market share through innovative solutions and disciplined underwriting.

Key Financial Metrics

Price$36.42
Market Cap$2.8B
P/E (TTM)7.33
P/E (Forward)6.67
Price/Book1.04
Return on Equity15.6%
Debt/Equity16.17
Gross Margin76.0%
Operating Margin72.0%
Revenue Growth5.9%
Free Cash Flow$313M

NMI Holdings, Inc. operates in the Insurance - Specialty industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is NMI Holdings, Inc.’s (NMIH) StockRank?
MoatMap’s StockRank for NMI Holdings, Inc. (NMIH) is 82/100, with a Strong Buy signal. It is a composite of Quality (77), Value (58), and Momentum (32) factor ranks across MoatMap’s 19,000+ stock universe.
Does NMI Holdings, Inc. have an economic moat?
NMI Holdings, Inc. (NMIH) has a Quality factor score of 77/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is NMI Holdings, Inc. a buy, hold, or sell?
MoatMap’s current signal for NMI Holdings, Inc. (NMIH) is Strong Buy, based on a StockRank of 82/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is NMI Holdings, Inc. in?
NMI Holdings, Inc. (NMIH) operates in the Financial Services sector, specifically the Insurance - Specialty industry (United States).
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