NMI Holdings (NMIH) reported earnings 30 days ago. What's next for the stock?
NMI Holdings is well-positioned for growth, with higher new insurance written volume, a comprehensive reinsurance program and prudent capital deployment.
Wondering how to pick strong, market-beating stocks for your investment portfolio? Look no further than the Zacks Style Scores.
NMI Holdings is rated a "Hold" as shares offer market-like upside of ~8%, below the threshold for a "Buy." NMIH continues to deliver strong results with disciplined underwriting, high persistency, and stable portfolio yields despite a challenging housing market. The company has a smaller, newer policy book, making it more sensitive to home price changes, but it maintains low loss ratios and robust reserves.
While the top- and bottom-line numbers for NMI Holdings (NMIH) give a sense of how the business performed in the quarter ended September 2025, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values.
NMI Holdings, Inc. ( NMIH ) Q3 2025 Earnings Call November 4, 2025 5:00 PM EST Company Participants John Swenson - Vice President of Investor Relations & Treasury Bradley Shuster - Executive Chairman Adam Pollitzer - President, CEO & Director Aurora Swithenbank - Executive VP & CFO Conference Call Participants Terry Ma - Barclays Bank PLC, Research Division Bose George - Keefe, Bruyette, & Woods, Inc., Research Division Mark Hughes - Truist Securities, Inc., Research Division A.J. Denham - JPMorgan Chase & Co, Research Division Conversation Operator Good afternoon, and welcome to the NMI Holdings, Inc. Third Quarter 2025 Earnings Conference Call.
NMI Holdings (NMIH) came out with quarterly earnings of $1.21 per share, in line with the Zacks Consensus Estimate . This compares to earnings of $1.15 per share a year ago.
NMI Holdings (NMIH) is technically in oversold territory now, so the heavy selling pressure might have exhausted. This along with strong agreement among Wall Street analysts in raising earnings estimates could lead to a trend reversal for the stock.
Wondering how to pick strong, market-beating stocks for your investment portfolio? Look no further than the Zacks Style Scores.
NMIH is significantly undervalued, trading at a 13% earnings yield—triple the S&P 500—and offers a 40% upside to fair value. The company operates in a niche, low-volatility sector, with strong credit protections, conservative underwriting, and substantial reinsurance coverage. NMIH's risk of widespread mortgage defaults is mitigated by strong housing fundamentals: low vacancy rates, high home equity, and excellent credit quality.
NMIH tops Q2 estimates as higher premiums and investment income offset lower persistency and rising claims.
While the top- and bottom-line numbers for NMI Holdings (NMIH) give a sense of how the business performed in the quarter ended June 2025, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values.