NMI Holdings Reports Record Q4 2025 Earnings and Growth
Written by Emily J. Thompson, Senior Investment Analyst
Updated: 1h ago
0mins
Should l Buy NMIH?
Source: seekingalpha
- Significant Earnings Growth: NMI Holdings reported total revenue of $180.7 million in Q4 2025, an 8% increase from Q4 2024, with net income reaching $94.2 million and diluted EPS of $1.20, reflecting the company's strong performance and profitability in the insurance market.
- Insurance Business Expansion: The company achieved $14.2 billion in new insurance written in Q4 2025, with total insurance-in-force growing to $221.4 billion, a 5.4% increase from 2024, indicating NMI's competitive strength and expanding customer base in the market.
- Enhanced Shareholder Returns: NMI repurchased $31 million of common stock in Q4, retiring 811,000 shares at an average price of $37.72, demonstrating the company's commitment to shareholder value and robust cash flow management.
- Optimistic Outlook: While no explicit guidance for 2026 was provided, management expressed confidence in the long-term prospects of the private mortgage insurance market, emphasizing the resilience of the macro environment and ongoing business opportunities, with expectations for stable core yields.
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Analyst Views on NMIH
Wall Street analysts forecast NMIH stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for NMIH is 45.40 USD with a low forecast of 43.00 USD and a high forecast of 49.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
5 Analyst Rating
4 Buy
1 Hold
0 Sell
Strong Buy
Current: 39.940
Low
43.00
Averages
45.40
High
49.00
Current: 39.940
Low
43.00
Averages
45.40
High
49.00
About NMIH
NMI Holdings, Inc. provides mortgage insurance (MI), through its wholly owned insurance subsidiaries, National Mortgage Insurance Corporation (NMIC) and National Mortgage Reinsurance Inc One (Re One). NMIC is its primary insurance subsidiary and is licensed to write MI coverage in all 50 states and District of Columbia (D.C.). Its subsidiary, NMI Services, Inc. (NMIS), provides outsourced loan review services to mortgage loan originators. It offers two principal types of MI coverage, primary and pool. Primary MI provides default protection on individual mortgage loans at specified coverage percentages. All its primary insurance is written on first-lien mortgage loans, with nearly all secured by owner-occupied single-family homes (defined as one-to-four family homes and condominiums). Pool insurance is generally used to provide additional credit enhancement for certain secondary market mortgage transactions. It offers outsourced loan review services to mortgage originators through NMIS.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
NMI Holdings Reports Record Q4 2025 Earnings and Growth
- Significant Earnings Growth: NMI Holdings reported total revenue of $180.7 million in Q4 2025, an 8% increase from Q4 2024, with net income reaching $94.2 million and diluted EPS of $1.20, reflecting the company's strong performance and profitability in the insurance market.
- Insurance Business Expansion: The company achieved $14.2 billion in new insurance written in Q4 2025, with total insurance-in-force growing to $221.4 billion, a 5.4% increase from 2024, indicating NMI's competitive strength and expanding customer base in the market.
- Enhanced Shareholder Returns: NMI repurchased $31 million of common stock in Q4, retiring 811,000 shares at an average price of $37.72, demonstrating the company's commitment to shareholder value and robust cash flow management.
- Optimistic Outlook: While no explicit guidance for 2026 was provided, management expressed confidence in the long-term prospects of the private mortgage insurance market, emphasizing the resilience of the macro environment and ongoing business opportunities, with expectations for stable core yields.
See More
NMI Holdings Q4 Earnings Beat Expectations
- Earnings Beat: NMI Holdings reported a Q4 non-GAAP EPS of $1.20, exceeding expectations by $0.01, which reflects the company's strong profitability and boosts investor confidence.
- Stable Revenue Growth: The company achieved Q4 revenue of $180.74 million, an 8.6% year-over-year increase, aligning with market expectations and indicating solid performance in a competitive landscape.
- Positive Market Reaction: The earnings beat is likely to elicit a positive market response, potentially driving the stock price higher and enhancing the company's appeal in the capital markets.
- Optimistic Outlook: With ongoing operational optimizations and market share expansion, NMI Holdings is expected to maintain steady revenue growth in the coming quarters, further solidifying its position in the industry.
See More
NMI Holdings Set to Announce Q4 Earnings on February 10th
- Earnings Announcement Date: NMI Holdings (NMIH) is set to release its Q4 2023 earnings on February 10th after market close, with consensus EPS estimates at $1.19, reflecting an 11.2% year-over-year growth, indicating sustained profitability.
- Revenue Expectations: The anticipated revenue for Q4 is $180.74 million, representing an 8.6% year-over-year increase, suggesting robust sales performance and the company's ability to navigate industry challenges effectively.
- Historical Performance: Over the past two years, NMIH has exceeded EPS and revenue estimates 88% of the time, showcasing the company's reliability in financial forecasting and bolstering market confidence.
- Estimate Revision Trends: In the last three months, EPS estimates have seen three upward revisions with no downward adjustments, while revenue estimates experienced one upward and one downward revision, reflecting optimistic market sentiment regarding NMIH's future performance.
See More
NMI Holdings (NMIH) Shares Oversold with RSI at 28.7
- Oversold Signal: NMI Holdings (NMIH) shares have dropped to $36.38, with an RSI of 28.7, indicating that the recent heavy selling may be nearing exhaustion, thus presenting potential buying opportunities for investors.
- Market Comparison: Compared to the S&P 500 ETF (SPY) with an RSI of 59.5, NMIH's oversold condition may attract bullish investors looking for entry points to capitalize on a potential rebound.
- Historical Performance: NMIH's 52-week low is $31.90 and the high is $43.20, with the current trading price at $36.39, reflecting its performance within this range and potentially influencing investor decisions.
- Investor Sentiment: Despite being in an oversold territory, investors should cautiously assess market sentiment and future trends to avoid making erroneous decisions in an uncertain market environment.
See More
NMIH Stock Fluctuation: 52-Week Low at $31.90, High at $43.20
- Stock Price Analysis: NMIH's 52-week low is $31.90, with a high of $43.20, and the last trade at $37.83 indicates price fluctuations within this range, reflecting market caution regarding its future performance.
- Market Trend Observation: The current price of $37.83 is close to the 52-week low, which may attract investor attention to its future trajectory, especially amid an uncertain overall market environment.
- Technical Indicator Focus: NMIH's stock price has fallen below the 200-day moving average, potentially signaling further downside risk in the short term, prompting investors to closely monitor subsequent market reactions.
- Investor Sentiment Assessment: Despite the current price being in a fluctuating range, market opinions on NMIH remain divided, necessitating cautious decision-making by investors based on technical indicators and market trends.
See More
Daily Upgrade Report for Validea's Peter Lynch Strategy - December 12, 2025
Validea's P/E/Growth Investor Model: The model, based on Peter Lynch's strategy, evaluates stocks for reasonable pricing relative to earnings growth and strong balance sheets, with ratings for various companies reflecting their underlying fundamentals and valuations.
Company Ratings Overview: Companies like Limbach Holdings, MPLX LP, and American Homes 4 Rent have seen their ratings increase, indicating growing interest based on their financial health and market performance, with American Homes 4 Rent achieving a notable score of 91%.
Diverse Industry Representation: The report highlights a range of companies across different sectors, including healthcare, real estate, and energy, showcasing the model's broad applicability in identifying investment opportunities.
Peter Lynch's Investment Philosophy: Lynch is recognized for his successful investment strategies, emphasizing simplicity and practicality in stock selection, which has influenced the methodologies used by Validea in their stock analysis and recommendations.
See More
NMI Holdings Reports Record Q4 2025 Earnings and Growth
- Significant Earnings Growth: NMI Holdings reported total revenue of $180.7 million in Q4 2025, an 8% increase from Q4 2024, with net income reaching $94.2 million and diluted EPS of $1.20, reflecting the company's strong performance and profitability in the insurance market.
- Insurance Business Expansion: The company achieved $14.2 billion in new insurance written in Q4 2025, with total insurance-in-force growing to $221.4 billion, a 5.4% increase from 2024, indicating NMI's competitive strength and expanding customer base in the market.
- Enhanced Shareholder Returns: NMI repurchased $31 million of common stock in Q4, retiring 811,000 shares at an average price of $37.72, demonstrating the company's commitment to shareholder value and robust cash flow management.
- Optimistic Outlook: While no explicit guidance for 2026 was provided, management expressed confidence in the long-term prospects of the private mortgage insurance market, emphasizing the resilience of the macro environment and ongoing business opportunities, with expectations for stable core yields.
See More
NMI Holdings Q4 Earnings Beat Expectations
- Earnings Beat: NMI Holdings reported a Q4 non-GAAP EPS of $1.20, exceeding expectations by $0.01, which reflects the company's strong profitability and boosts investor confidence.
- Stable Revenue Growth: The company achieved Q4 revenue of $180.74 million, an 8.6% year-over-year increase, aligning with market expectations and indicating solid performance in a competitive landscape.
- Positive Market Reaction: The earnings beat is likely to elicit a positive market response, potentially driving the stock price higher and enhancing the company's appeal in the capital markets.
- Optimistic Outlook: With ongoing operational optimizations and market share expansion, NMI Holdings is expected to maintain steady revenue growth in the coming quarters, further solidifying its position in the industry.
See More
NMI Holdings Set to Announce Q4 Earnings on February 10th
- Earnings Announcement Date: NMI Holdings (NMIH) is set to release its Q4 2023 earnings on February 10th after market close, with consensus EPS estimates at $1.19, reflecting an 11.2% year-over-year growth, indicating sustained profitability.
- Revenue Expectations: The anticipated revenue for Q4 is $180.74 million, representing an 8.6% year-over-year increase, suggesting robust sales performance and the company's ability to navigate industry challenges effectively.
- Historical Performance: Over the past two years, NMIH has exceeded EPS and revenue estimates 88% of the time, showcasing the company's reliability in financial forecasting and bolstering market confidence.
- Estimate Revision Trends: In the last three months, EPS estimates have seen three upward revisions with no downward adjustments, while revenue estimates experienced one upward and one downward revision, reflecting optimistic market sentiment regarding NMIH's future performance.
See More
NMI Holdings (NMIH) Shares Oversold with RSI at 28.7
- Oversold Signal: NMI Holdings (NMIH) shares have dropped to $36.38, with an RSI of 28.7, indicating that the recent heavy selling may be nearing exhaustion, thus presenting potential buying opportunities for investors.
- Market Comparison: Compared to the S&P 500 ETF (SPY) with an RSI of 59.5, NMIH's oversold condition may attract bullish investors looking for entry points to capitalize on a potential rebound.
- Historical Performance: NMIH's 52-week low is $31.90 and the high is $43.20, with the current trading price at $36.39, reflecting its performance within this range and potentially influencing investor decisions.
- Investor Sentiment: Despite being in an oversold territory, investors should cautiously assess market sentiment and future trends to avoid making erroneous decisions in an uncertain market environment.
See More
NMIH Stock Fluctuation: 52-Week Low at $31.90, High at $43.20
- Stock Price Analysis: NMIH's 52-week low is $31.90, with a high of $43.20, and the last trade at $37.83 indicates price fluctuations within this range, reflecting market caution regarding its future performance.
- Market Trend Observation: The current price of $37.83 is close to the 52-week low, which may attract investor attention to its future trajectory, especially amid an uncertain overall market environment.
- Technical Indicator Focus: NMIH's stock price has fallen below the 200-day moving average, potentially signaling further downside risk in the short term, prompting investors to closely monitor subsequent market reactions.
- Investor Sentiment Assessment: Despite the current price being in a fluctuating range, market opinions on NMIH remain divided, necessitating cautious decision-making by investors based on technical indicators and market trends.
See More
Daily Upgrade Report for Validea's Peter Lynch Strategy - December 12, 2025
Validea's P/E/Growth Investor Model: The model, based on Peter Lynch's strategy, evaluates stocks for reasonable pricing relative to earnings growth and strong balance sheets, with ratings for various companies reflecting their underlying fundamentals and valuations.
Company Ratings Overview: Companies like Limbach Holdings, MPLX LP, and American Homes 4 Rent have seen their ratings increase, indicating growing interest based on their financial health and market performance, with American Homes 4 Rent achieving a notable score of 91%.
Diverse Industry Representation: The report highlights a range of companies across different sectors, including healthcare, real estate, and energy, showcasing the model's broad applicability in identifying investment opportunities.
Peter Lynch's Investment Philosophy: Lynch is recognized for his successful investment strategies, emphasizing simplicity and practicality in stock selection, which has influenced the methodologies used by Validea in their stock analysis and recommendations.
See More
