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Upturn AI SWOT - About
NMIH 
NMI Holdings Inc (NMIH)
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Upturn Advisory Summary
08/28/2025: NMIH (1-star) is currently NOT-A-BUY. Pass it for now.
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 13.71% | Avg. Invested days 53 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.08B USD | Price to earnings Ratio 8.42 | 1Y Target Price 44.14 |
Price to earnings Ratio 8.42 | 1Y Target Price 44.14 | ||
Volume (30-day avg) 7 | Beta 0.57 | 52 Weeks Range 31.90 - 43.20 | Updated Date 08/28/2025 |
52 Weeks Range 31.90 - 43.20 | Updated Date 08/28/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 4.67 |
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 8.42 | Forward PE 8.23 | Enterprise Value 3410976822 | Price to Sales(TTM) 4.53 |
Enterprise Value 3410976822 | Price to Sales(TTM) 4.53 | ||
Enterprise Value to Revenue 5.02 | Enterprise Value to EBITDA - | Shares Outstanding 77574096 | Shares Floating 76256136 |
Shares Outstanding 77574096 | Shares Floating 76256136 | ||
Percent Insiders 1.94 | Percent Institutions 98.99 |
Upturn AI SWOT
NMI Holdings Inc
Company Overview
History and Background
NMI Holdings, Inc. was founded in 2011 and is headquartered in Emeryville, California. It provides private mortgage insurance (PMI) to protect lenders from losses on residential mortgage loans. The company has grown to become a significant player in the PMI industry.
Core Business Areas
- Private Mortgage Insurance: NMI Holdings' primary business is providing private mortgage insurance, which protects lenders against losses if a borrower defaults on a mortgage loan. This enables lenders to offer mortgages to borrowers with lower down payments.
Leadership and Structure
Adam Pollitzer serves as the CEO. The company has a standard corporate structure with a board of directors and various executive leadership positions overseeing different functional areas.
Top Products and Market Share
Key Offerings
- Private Mortgage Insurance (PMI): NMI's core product is PMI, which insures lenders against losses on mortgage loans with low down payments. Competitors include MGIC, Radian, Essent, and Arch Capital. Market share data is included in the 'Competitors' section.
Market Dynamics
Industry Overview
The PMI industry is driven by factors such as housing market conditions, interest rates, and credit availability. The industry is currently experiencing growth due to strong housing demand and low mortgage rates.
Positioning
NMI Holdings is a leading provider of PMI, known for its strong financial performance and risk management practices. The company has a reputation for innovation and customer service.
Total Addressable Market (TAM)
The TAM for private mortgage insurance is substantial, estimated to be in the tens of billions of dollars annually. NMI is positioned to capture a significant portion of this market due to its strong competitive position.
Upturn SWOT Analysis
Strengths
- Strong financial performance
- Effective risk management
- Experienced management team
- Innovative products and services
Weaknesses
- Reliance on housing market conditions
- Exposure to economic downturns
Opportunities
- Expansion into new markets
- Increased demand for mortgage insurance
- Technological innovation
Threats
- Increased competition
- Changes in government regulations
- Economic recession
- Rising interest rates
Competitors and Market Share
Key Competitors
- MTG
- RDN
- ESNT
- AH
- GNW
Competitive Landscape
NMIH competes effectively with other PMI providers. NMIH differentiates itself through customer service, risk management, and innovation. MTG, RDN, ESNT, and AH are also major players in the PMI market.
Growth Trajectory and Initiatives
Historical Growth: NMI Holdings has experienced strong growth in recent years, driven by increasing demand for mortgage insurance and the company's successful execution of its business strategy.
Future Projections: Analyst estimates suggest continued growth for NMI Holdings, driven by favorable housing market conditions and the company's competitive advantages.
Recent Initiatives: Recent initiatives include expanding partnerships with lenders and investing in technology to improve efficiency and customer service.
Summary
NMI Holdings is a strong company in the private mortgage insurance market, benefiting from favorable housing market trends and a solid business strategy. Its focus on risk management and innovation contributes to its success. However, it remains vulnerable to economic downturns and changes in government regulations. NMI needs to continue to focus on customer service to stay competitive in the PMI market.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings (SEC)
- Industry Reports
- Financial News Outlets
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market conditions and company performance 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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