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Upturn AI SWOT - About
NMIH 
NMI Holdings Inc (NMIH)
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Upturn Advisory Summary
09/17/2025: NMIH (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
7 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $44.14
1 Year Target Price $44.14
| 3 | Strong Buy |
| 2 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 10.12% | Avg. Invested days 47 | Today’s Advisory WEAK BUY |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 09/17/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.98B USD | Price to earnings Ratio 8.16 | 1Y Target Price 44.14 |
Price to earnings Ratio 8.16 | 1Y Target Price 44.14 | ||
Volume (30-day avg) 7 | Beta 0.55 | 52 Weeks Range 31.90 - 43.20 | Updated Date 09/16/2025 |
52 Weeks Range 31.90 - 43.20 | Updated Date 09/16/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 4.71 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 55.57% | Operating Margin (TTM) 75.22% |
Management Effectiveness
Return on Assets (TTM) 9.59% | Return on Equity (TTM) 16.92% |
Valuation
Trailing PE 8.16 | Forward PE 7.46 | Enterprise Value 3359777903 | Price to Sales(TTM) 4.39 |
Enterprise Value 3359777903 | Price to Sales(TTM) 4.39 | ||
Enterprise Value to Revenue 4.94 | Enterprise Value to EBITDA - | Shares Outstanding 77574096 | Shares Floating 76256136 |
Shares Outstanding 77574096 | Shares Floating 76256136 | ||
Percent Insiders 1.94 | Percent Institutions 99 |
Upturn AI SWOT
NMI Holdings Inc
Company Overview
History and Background
NMI Holdings, Inc. (NMIH) was founded in 2011. It provides private mortgage insurance (MI) products and services in the United States. The company quickly established itself as a player in the MI industry, aiming to provide mortgage insurance solutions to lenders.
Core Business Areas
- Private Mortgage Insurance: NMIH's primary business segment involves providing private mortgage insurance to protect lenders against losses on residential mortgage loans with high loan-to-value (LTV) ratios.
Leadership and Structure
Adam Pollitzer is the CEO. The company has a board of directors overseeing management.
Top Products and Market Share
Key Offerings
- Primary Mortgage Insurance: NMIH provides primary mortgage insurance, which covers the top portion of a mortgage in case of default. This enables borrowers to qualify for mortgages with lower down payments. Market share fluctuates, but they are a significant player. Competitors include MGIC Investment Corp (MTG), Radian Group (RDN), and Essent Group (ESNT).
Market Dynamics
Industry Overview
The mortgage insurance industry is heavily influenced by housing market conditions, interest rates, and government regulations. It's a cyclical industry tied to the overall economy.
Positioning
NMIH is positioned as a provider of private mortgage insurance. Its competitive advantages stem from its risk management practices and customer service.
Total Addressable Market (TAM)
The TAM is in the billions of dollars, representing the total value of mortgage insurance premiums. NMIH's positioning within this TAM is dependent on its market share and ability to capture new business.
Upturn SWOT Analysis
Strengths
- Strong Capital Position
- Experienced Management Team
- Efficient Operations
- Solid Underwriting Practices
Weaknesses
- Reliance on Housing Market
- Exposure to Economic Downturns
- Competition from Larger Players
- Regulatory Risks
Opportunities
- Growing Housing Market
- Increased Demand for Mortgage Insurance
- Expansion into New Markets
- Technological Advancements
Threats
- Economic Recession
- Rising Interest Rates
- Increased Competition
- Changes in Government Regulations
Competitors and Market Share
Key Competitors
- MTG
- RDN
- ESNT
Competitive Landscape
NMIH competes with larger players in the mortgage insurance industry. Its advantages include its financial strength and customer service. Disadvantages could include its smaller size compared to some competitors.
Growth Trajectory and Initiatives
Historical Growth: NMIH's growth has been tied to the performance of the housing market and its ability to gain market share.
Future Projections: Analyst estimates are not accessible, please refer to official resources.
Recent Initiatives: Please refer to official resources for more details on recent initiatives.
Summary
NMI Holdings Inc. is a key player in the mortgage insurance sector, benefiting from a strong capital position and efficient operations. Its reliance on the housing market and exposure to economic downturns are potential weaknesses. The company should watch out for increasing competition and regulatory changes.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings
- Industry Reports
- Financial News Sources
Disclaimers:
The data provided is for informational purposes only and should not be considered investment advice. Market share and financial data may vary and are subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About NMI Holdings Inc
Exchange NASDAQ | Headquaters Emeryville, CA, United States | ||
IPO Launch date 2013-11-08 | President, CEO & Director Mr. Adam S. Pollitzer | ||
Sector Financial Services | Industry Insurance - Specialty | Full time employees 233 | Website https://www.nationalmi.com |
Full time employees 233 | Website https://www.nationalmi.com | ||
NMI Holdings, Inc. provides private mortgage guaranty insurance services in the United States. The company offers primary mortgage insurance services; and outsourced loan review services to mortgage loan originators. It 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. The company was incorporated in 2011 and is headquartered in Emeryville, California.
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