USD 38.55
| ticker | 1 day return % | 1 week return % | 1 month return % | 3 months return % | 6 months return % | 1 year return % | 3 years return % | 5 years return % | 10 years return % | maximum return % |
|---|---|---|---|---|---|---|---|---|---|---|
| NMIH | -1.1 | 2.4 | 5.0 | -0.8 | -2.1 | 20.5 | 55.8 | 18.0 | 399.4 | 175.4 |
| S&P 500 | -0.5 | -1.4 | 1.1 | 3.5 | 10.5 | 22.5 | 33.7 | 84.4 | 198.6 | 34081.1 |
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| Attribute | Value |
|---|---|
| symbol | NMIH |
| name | NMI Holdings, Inc. |
| price | 38.55 |
| changes percentage | -1.0778 |
| change | -0.42 |
| day low | 38.39 |
| day high | 39.28 |
| year high | 42.49 |
| year low | 28.73 |
| market cap | 3050538600 |
| price avg 50 | 37.7318 |
| price avg 200 | 36.8048 |
| exchange | NASDAQ |
| volume | 154515 |
| avg volume | 493205 |
| open | 38.8 |
| previous close | 38.97 |
| eps | 4.37 |
| pe | 8.82 |
| earnings announcement | 2025-02-06T21:00:00.000+0000 |
| shares outstanding | 79132000 |
| timestamp | 2025-01-29 20:47:29 |
We derive the score of a company's financial statements by evaluating the weighted average sentiment across key within the statements. The cumulative score, normalized to a sum of 1, serves as a metric for assessing the company's performance during the specified period. A higher score indicates stronger performance. However, it's crucial to note that while this score provides valuable insights, it is just one of many factors to consider when making informed investment decisions. A holistic evaluation, considering various aspects of the company's financial health and market conditions, is essential for a well-rounded investment strategy.
| 2023 | 2022 | Y/Y change % | |
|---|---|---|---|
| 0001547903 | |||
| revenue | 579003000 | 524458000 | 10.40 |
| gross profit | 579003000 | 524458000 | 10.40 |
| gross profit ratio | 1 | 1 | 0.00 |
| research and development expenses | 0 | 0 | NaN |
| operating expenses | 2000000 | 117490000 | -98.30 |
| interest income | 0 | 32162999 | -100.00 |
| interest expense | 32212000 | 32163000 | 0.15 |
| ebitda | 456456000 | 421338000 | 8.33 |
| ebitdaratio | 0.79 | 0.78 | 0.78 |
| operating income | 577003000 | 398387000 | 44.83 |
| operating income ratio | 1.0 | 0.76 | 31.19 |
| net income | 322110000 | 292902000 | 9.97 |
| net income ratio | 0.56 | 0.56 | -0.39 |
| eps | 3.91 | 3.45 | 13.33 |
Revenue Growth: revenue increased to 579 million in 2023 from 524 million in 2022 representing a change of 10.4%. This indicates a sales growth, which is a positive sign for the company.
Gross Profit: Gross Profit increased to 579 million in 2023 from 524 million in 2022 representing a change of 10.4%. This indicates a sales profitability growth, which is a positive sign for the company.
EBITDA: EBITDA (Earnings Before Interest, Taxes, Depreciation, and Amortization) increased to 456 million in 2023 from 421 million in 2022 representing a change of 8.33%. The increase in EBITDA indicates improved operational efficiency and profitability.
Operating Income: Operating income increased to 577 million in 2023 from 398 million in 2022 representing a change of 44.83%. The increase in operating income indicates better operational performance and increased profitability.
Net Income: Net income increased to 322 million in 2023 from 293 million in 2022 representing a change of 9.97%. The increase in net income shows improved profitability and indicates that the company is generating more profit for each dollar of revenue.
Earnings per Share (EPS): EPS increased to 3.91 in 2023 from 3.91 in 2022 representing a change of 13.33%. This indicates that the company's earnings are increasing and it is becoming more profitable on a per-share basis.
Operating Expenses: Operating Expenses increased to 2 million in 2023 from 117 million in 2022 representing a change of -98.3%. The increase in operating expenses can be attributed to various factors such as marketing, administrative costs, and investments in infrastructure. It's important to monitor if these expenses are growing at a sustainable rate compared to revenue.
| 2024Q3 | 2024Q2 | Q/Q change % | |
|---|---|---|---|
| 0001547903 | |||
| revenue | 166092000 | 162122000 | 2.45 |
| gross profit | 165826000 | 161856000 | 2.45 |
| gross profit ratio | 1.0 | 1.0 | 0.00 |
| research and development expenses | 0 | 0 | NaN |
| operating expenses | 166092000 | 28524000 | 482.29 |
| interest income | 0 | 1800000 | -100.00 |
| interest expense | 7076000 | 14678000 | -51.79 |
| ebitda | 126118000 | 193916000 | -34.96 |
| ebitdaratio | 0.76 | -0.09 | 938.69 |
| operating income | -285000 | 133322000 | -100.21 |
| operating income ratio | -0.0 | 0.82 | -100.21 |
| net income | 92810000 | 92079000 | 0.79 |
| net income ratio | 0.56 | 0.57 | -1.62 |
| eps | 1.17 | 1.15 | 1.74 |
Revenue Growth: revenue increased to 166 million in 2024Q3 from 162 million in 2024Q2 representing a change of 2.45%. This indicates a sales growth, which is a positive sign for the company.
Gross Profit: Gross Profit increased to 166 million in 2024Q3 from 162 million in 2024Q2 representing a change of 2.45%. This indicates a sales profitability growth, which is a positive sign for the company.
Operating Expenses: Operating Expenses decreased to 166 million in 2024Q3 from 29 million in 2024Q2 representing a change of 482.29%. The decrease in operating expenses can be attributed to various factors such as improved profitability, cost optimization and financial stability, lower operating expenses can be positive indicators.
Net Income: Net income increased to 93 million in 2024Q3 from 92 million in 2024Q2 representing a change of 0.79%. The increase in net income shows improved profitability and indicates that the company is generating more profit for each dollar of revenue.
Earnings per Share (EPS): EPS increased to 1.17 in 2024Q3 from 1.17 in 2024Q2 representing a change of 1.74%. This indicates that the company's earnings are increasing and it is becoming more profitable on a per-share basis.
EBITDA: EBITDA (Earnings Before Interest, Taxes, Depreciation, and Amortization) decreased to 126 million in 2024Q3 from 194 million in 2024Q2 representing a change of -34.96%. The decrease in EBITDA indicates declined operational efficiency and profitability.
Operating Income: Operating income decreased to 0 million in 2024Q3 from 133 million in 2024Q2 representing a change of -100.21%. The decrease in operating income indicates worse operational performance and decreased profitability.
| 2023 | 2022 | Y/Y change % | |
|---|---|---|---|
| 0001547903 | |||
| total assets | 2940507000 | 2516030000 | 16.87 |
| total liabilities | 1014503000 | 902303000 | 12.43 |
| total equity | 1926004000 | 1613727000 | 19.35 |
| cash and cash equivalents | 95351000 | 42250000 | 125.68 |
| short term investments | 237940000 | 2099389000 | -88.67 |
| long term investments | 2133081000 | 2099389000 | 1.60 |
| total current assets | 672547000 | 2143815000 | -68.63 |
| total non current assets | 2343415999 | 3634000 | 64385.86 |
| total current liabilities | 101460000 | 228985000 | -55.69 |
| total non current liabilities | 936396999 | 673318000 | 39.07 |
| common stock | 873000 | 865000 | 0.92 |
| retained earnings | 1223153000 | 901043000 | 35.75 |
| total debt | 397595000 | 396051000 | 0.39 |
Total Assets: Total Assets increased to 2,941 million in 2023 from 2,516 million in 2022 representing a change of 16.87%. Suggesting a growth in asset holdings.
Total Equity: Total Equity increased to 1,926 million in 2023 from 1,614 million in 2022 representing a change of 19.35%. This indicates an increase in shareholders' equity.
Cash And Cash Equivalents: Cash And Cash Equivalents increased to 95 million in 2023 from 42 million in 2022 representing a change of 125.68%. This indicates an increase in available liquid assets.
Total Current Liabilities: Total Current Liabilities decreased to 101 million in 2023 from 229 million in 2022 representing a change of -55.69%. This indicates a lower short-term debt burden.
Common Stock: Common Stock increased to 1 in 2023 from 1 in 2022 representing a change of 0.92%. This indicates an increase in ownership interest.
Retained Earnings: Retained Earnings increased to 1,223 million in 2023 from 901 million in 2022 representing a change of 35.75%. This indicates an accumulated profits.
Total Liabilities: Total Liabilities increased to 1,015 million in 2023 from 902 million in 2022 representing a change of 12.43%. This indicates an increase in overall liabilities.
Short Term Investments: Short Term Investments decreased to 238 million in 2023 from 2,099 million in 2022 representing a change of -88.67%. This indicates a decrease in short-term investment holdings.
Total Current Assets: Total Current Assets decreased to 673 million in 2023 from 2,144 million in 2022 representing a change of -68.63%. This indicates a worsen liquidity position.
Total Debt: Total Debt increased to 398 million in 2023 from 396 million in 2022 representing a change of 0.39%. This indicates an increase in overall debt burden.
| 2024Q3 | 2024Q2 | Q/Q change % | |
|---|---|---|---|
| 0001547903 | |||
| total assets | 3320125000 | 3074567000 | 7.99 |
| total liabilities | 1124939000 | 1028957000 | 9.33 |
| total equity | 2195186000 | 2045610000 | 7.31 |
| cash and cash equivalents | 133231000 | 62629000 | 112.73 |
| short term investments | 300684000 | 214664000 | 40.07 |
| long term investments | 0 | 2520990000 | -100.00 |
| total current assets | 368605000 | 610473000 | -39.62 |
| total non current assets | 3634000 | 2464094000 | -99.85 |
| total current liabilities | 110968000 | 100907000 | 9.97 |
| total non current liabilities | 989418999 | 928050000 | 6.61 |
| common stock | 879000 | 879000 | 0.00 |
| retained earnings | 1497092000 | 1404282000 | 6.61 |
| total debt | 414694000 | 414249000 | 0.11 |
Total Assets: Total Assets increased to 3,320 million in 2024Q3 from 3,075 million in 2024Q2 representing a change of 7.99%. Suggesting a growth in asset holdings.
Total Equity: Total Equity increased to 2,195 million in 2024Q3 from 2,046 million in 2024Q2 representing a change of 7.31%. This indicates an increase in shareholders' equity.
Cash And Cash Equivalents: Cash And Cash Equivalents increased to 133 million in 2024Q3 from 63 million in 2024Q2 representing a change of 112.73%. This indicates an increase in available liquid assets.
Short Term Investments: Short Term Investments increased to 301 million in 2024Q3 from 215 million in 2024Q2 representing a change of 40.07%. This indicates an increase in short-term investment holdings.
Retained Earnings: Retained Earnings increased to 1,497 million in 2024Q3 from 1,404 million in 2024Q2 representing a change of 6.61%. This indicates an accumulated profits.
Total Liabilities: Total Liabilities increased to 1,125 million in 2024Q3 from 1,029 million in 2024Q2 representing a change of 9.33%. This indicates an increase in overall liabilities.
Total Current Assets: Total Current Assets decreased to 369 million in 2024Q3 from 610 million in 2024Q2 representing a change of -39.62%. This indicates a worsen liquidity position.
Total Current Liabilities: Total Current Liabilities increased to 111 million in 2024Q3 from 101 million in 2024Q2 representing a change of 9.97%. This indicates a higher short-term debt burden.
Total Debt: Total Debt increased to 415 million in 2024Q3 from 414 million in 2024Q2 representing a change of 0.11%. This indicates an increase in overall debt burden.
| 2023 | 2022 | Y/Y change % | |
|---|---|---|---|
| 0001547903 | |||
| net change in cash | 52263000 | -32220000 | 262.21 |
| operating cash flow | 342683000 | 313394000 | 9.35 |
| free cash flow | 333311000 | 302822000 | 10.07 |
| capital expenditure | -9372000 | -10572000 | 11.35 |
| depreciation and amortization | 11541000 | 11870000 | -2.77 |
| deferred income tax | 90593000 | 84393000 | 7.35 |
| stock based compensation | 16914000 | 15425000 | 9.65 |
| accounts payables | 0 | -8731000 | 100.00 |
| inventory | 0 | 0 | NaN |
| acquisitions net | 0 | -491000 | 100.00 |
| investments in property plant and equipment | -9372000 | -10572000 | 11.35 |
| net cash used for investing activites | -200000000 | -289786000 | 30.98 |
| debt repayment | 0 | 0 | NaN |
| common stock issued | 0 | 0 | NaN |
| common stock repurchased | -91613000 | -56575000 | -61.93 |
| dividends paid | 0 | 0 | NaN |
| net cash used provided by financing activities | -90420000 | -55828000 | -61.96 |
| cash at end of period | 96689000 | 44426000 | 117.64 |
| accounts receivables | -12703000 | -10589000 | -19.96 |
| cash at beginning of period | 44426000 | 76646000 | -42.04 |
Net Change in Cash: Net Change in Cash increased to 52 million in 2023 from -32 million in 2022 representing a change of 262.21%. Indicating an increased ability to generate cash from the company's operations or its cash flow position.
Operating Cash Flow: Operating Cash Flow increased to 343 million in 2023 from 313 million in 2022 representing a change of 9.35%. This indicates that the company generated more cash from its core business operations.
Free Cash Flow: Free Cash Flow increased to 333 million in 2023 from 303 million in 2022 representing a change of 10.07%. This indicates an increase in cash generated after accounting for capital expenditures.
Accounts Payables: The absolute value of Accounts Payables decreased to 0 million in 2023 from 9 million in 2022 representing a change of 100.0%. This indicates that the company has reduced its outstanding obligations to its suppliers.
Accounts Receivables: Accounts Receivables decreased to -13 million in 2023 from -11 million in 2022 representing a change of -19.96%. This suggests that the company has been able to collect payments from its customers more efficiently and timely.
Capital Expenditure: Capital Expenditure increased to -9 million in 2023 from -11 million in 2022 representing a change of 11.35%. This indicates an increase in the cash outflow required for acquiring or improving long-term assets.
Deferred Income Tax: Deferred Income Tax increased to 91 million in 2023 from 84 million in 2022 representing a change of 7.35%. This indicates that the company's tax liability for future periods has increased.
Stock-Based Compensation: Stock-Based Compensation increased to 17 million in 2023 from 15 million in 2022 representing a change of 9.65%. This indicates increased expenses, which is generally considered a negative sign from a financial perspective.
| 2024Q3 | 2024Q2 | Q/Q change % | |
|---|---|---|---|
| 0001547903 | |||
| operating cash flow | 128420000 | 117789000 | 9.03 |
| free cash flow | 132446000 | 115949000 | 14.23 |
| capital expenditure | 4026000 | -1840000 | 318.80 |
| depreciation and amortization | 2980000 | 2994000 | -0.47 |
| deferred income tax | 14144000 | 26053000 | -45.71 |
| stock based compensation | 4439000 | 4114000 | 7.90 |
| accounts receivables | -179000 | -549000 | 67.40 |
| accounts payables | 12967000 | 0 | NaN |
| inventory | -5109000 | 5109000 | -200.00 |
| acquisitions net | 0 | 0 | NaN |
| investments in property plant and equipment | 4026000 | -1840000 | 318.80 |
| net cash used for investing activites | -40790000 | -174614000 | 76.64 |
| debt repayment | 0 | 6895000 | -100.00 |
| common stock issued | 0 | 0 | NaN |
| common stock repurchased | -16873000 | -26848000 | 37.15 |
| dividends paid | 0 | 0 | NaN |
| net cash used provided by financing activities | -16940000 | -20272000 | 16.44 |
| net change in cash | 70690000 | -77097000 | 191.69 |
| cash at end of period | 133319000 | 62629000 | 112.87 |
| cash at beginning of period | 62629000 | 139726000 | -55.18 |
Net Change in Cash: Net Change in Cash increased to 71 million in 2024Q3 from -77 million in 2024Q2 representing a change of 191.69%. Indicating an increased ability to generate cash from the company's operations or its cash flow position.
Operating Cash Flow: Operating Cash Flow increased to 128 million in 2024Q3 from 118 million in 2024Q2 representing a change of 9.03%. This indicates that the company generated more cash from its core business operations.
Free Cash Flow: Free Cash Flow increased to 132 million in 2024Q3 from 116 million in 2024Q2 representing a change of 14.23%. This indicates an increase in cash generated after accounting for capital expenditures.
Capital Expenditure: Capital Expenditure increased to 4 million in 2024Q3 from -2 million in 2024Q2 representing a change of 318.8%. This indicates an increase in the cash outflow required for acquiring or improving long-term assets.
Stock-Based Compensation: Stock-Based Compensation increased to 4 million in 2024Q3 from 4 million in 2024Q2 representing a change of 7.9%. This indicates increased expenses, which is generally considered a negative sign from a financial perspective.
Accounts Payables: The absolute value of Accounts Payables increased to 13 million in 2024Q3 from 0 million in 2024Q2 representing a change of nan%. This indicates that the company has increased its outstanding obligations to its suppliers.
Accounts Receivables: Accounts Receivables increased to 0 in 2024Q3 from -1 million in 2024Q2 representing a change of 67.4%. This suggests that the company is less capable of collecting payments from its customers.
We save you time by utilizing Generative AI to summarize earnings transcripts. Our summaries provide a clear insight into the company's current performance, future outlook, and overall sentiment expressed during the call. Click on below links to explore more.
Note: The years mentioned below are fiscal years in accounting.
Q3 2024 Earnings call transcript
EPS represents the portion of a company's profit allocated to each outstanding share of common stock. A higher EPS is generally favorable, indicating stronger profitability on a per-share basis.
Positive EPS: A positive EPS signifies that a company is profitable, it is generally viewed positively, supporting stock value and investor confidence.
Negative EPS: Indicates that a company is operating at a loss, which could lead to negative sentiment, potential stock depreciation, and concerns about the company's financial health.
The Next Earning Date represents when the company plans to release its next set of financial results.
An upward trend in EPS suggests consistent growth in earnings, often leading to increased investor confidence. A downward trend may indicate a decline in earnings, potentially decreasing investor confidence and stock value. Fluctuating EPS suggests unpredictable financial performance, warranting cautious investor analysis.
Earnings surprise occurs when a company's actual earnings differ from analysts' expectations. A positive earnings surprise typically reflects better-than-expected performance, potentially leading to stock appreciation. Conversely, a negative earnings surprise can result in stock depreciation. An earnings surprise of zero means the earnings met expectations, which typically has a neutral impact on stock price.
Discover detailed analyst recommendations for stocks, including categories such as Buy, Hold, Sell, Strong Buy, and Strong Sell. These insights are based on thorough analysis of financial and market factors. The consensus is calculated by assigning a numerical score to each recommendation. These scores are then weighted and averaged over a specified period to provide a comprehensive view of the stock's outlook, with the final score determining the overall consensus.
| 2023-12-31 | 2022-12-31 | Y/Y change % | |
|---|---|---|---|
| FY | |||
| calendar year | 2023 | 2022 | NaN |
| revenue per share | 7.03 | 6.18 | 13.77 |
| net income per share | 3.91 | 3.45 | 13.33 |
| operating cash flow per share | 4.16 | 3.69 | 12.68 |
| free cash flow per share | 4.04 | 3.57 | 13.43 |
| cash per share | 4.04 | 25.22 | -83.96 |
| book value per share | 23.37 | 19.0 | 22.99 |
| tangible book value per share | 23.33 | 18.58 | 25.53 |
| shareholders equity per share | 23.37 | 19.0 | 22.99 |
| interest debt per share | 5.22 | 5.04 | 3.43 |
| market cap | 2445839760 | 1774848900.0 | 37.81 |
| enterprise value | 2748083760 | 2128649900.0 | 29.10 |
| pe ratio | 7.59 | 6.06 | 25.31 |
| price to sales ratio | 4.22 | 3.38 | 24.82 |
| pocfratio | 7.14 | 5.66 | 26.03 |
| pfcf ratio | 7.34 | 5.86 | 25.20 |
| pb ratio | 1.27 | 1.1 | 15.46 |
| ptb ratio | 1.27 | 1.1 | 15.46 |
| ev to sales | 4.75 | 4.06 | 16.94 |
| enterprise value over ebitda | 6.02 | 5.05 | 19.17 |
| ev to operating cash flow | 8.02 | 6.79 | 18.07 |
| ev to free cash flow | 8.24 | 7.03 | 17.29 |
| earnings yield | 0.13 | 0.17 | -20.20 |
| free cash flow yield | 0.14 | 0.17 | -20.13 |
| debt to equity | 0.21 | 0.25 | -15.89 |
| debt to assets | 0.14 | 0.16 | -14.10 |
| net debt to ebitda | 0.66 | 0.84 | -21.14 |
| current ratio | 6.63 | 9.36 | -29.20 |
| interest coverage | 17.91 | 12.39 | 44.61 |
| income quality | 1.06 | 1.07 | -0.57 |
| dividend yield | 0 | 0 | NaN |
| payout ratio | 0 | 0 | NaN |
| sales general and administrative to revenue | 0 | 0 | NaN |
| research and ddevelopement to revenue | 0 | 0 | NaN |
| intangibles to total assets | 0.0 | 0.01 | -91.26 |
| capex to operating cash flow | 0.03 | 0.03 | -18.93 |
| capex to revenue | 0.02 | 0.02 | -19.70 |
| capex to depreciation | 0.81 | 0.89 | -8.82 |
| stock based compensation to revenue | 0.03 | 0.03 | -0.68 |
| graham number | 45.34 | 38.4 | 18.06 |
| roic | 0.15 | 0.16 | -4.15 |
| return on tangible assets | 0.11 | 0.12 | -7.12 |
| graham net net | -7.32 | 10.71 | -168.35 |
| working capital | 571087000 | 1914830000 | -70.18 |
| tangible asset value | 1922370000 | 1578163000 | 21.81 |
| net current asset value | -341956000 | 1241512000 | -127.54 |
| invested capital | 614073000 | 1963636000 | -68.73 |
| average receivables | 97618500 | 85972500 | 13.55 |
| average payables | 43094500 | 0 | NaN |
| average inventory | -398289000 | -560206500 | 28.90 |
| days sales outstanding | 65.54 | 63.52 | 3.19 |
| days payables outstanding | 0 | 0 | NaN |
| days of inventory on hand | 0 | 0 | NaN |
| receivables turnover | 5.57 | 5.75 | -3.09 |
| payables turnover | 0 | 0 | NaN |
| inventory turnover | 0 | 0 | NaN |
| roe | 0.17 | 0.18 | -7.86 |
| capex per share | 0.11 | 0.12 | -8.65 |
ROE: Return on Equity (ROE) decreased to 0.17 on 2023-12-31 from 0.18 on 2022-12-31, representing a change of -7.86%. However, ROE is >= 15%, suggesting that the company has been generating high returns for its shareholders still.
PE Ratio: Price-to-Earnings (P/E) Ratio increased to 7.59 on 2023-12-31 from 6.06 on 2022-12-31, representing a change of 25.31%. Indicating an increase in the relative valuation of the company's stock.
Debt-to-Equity Ratio: Debt-to-Equity Ratio decreased to 0.21 on 2023-12-31 from 0.25 on 2022-12-31, representing a change of -15.89%. The debt-to-equity ratio has been decreasing, indicating that the company has been relying less on debt financing. A ratio of 1 or below is often considered healthy and indicates that the company's total debt is equal to or less than its total equity.
Current Ratio: Current Ratio decreased to 6.63 on 2023-12-31 from 9.36 on 2022-12-31, representing a change of -29.20%. The current ratio has been declining, suggesting a decrease in the company's short-term liquidity. Since it's above 3, indicating poor management of working capital.
| 2024-09-30 Q3 | 2024-06-30 Q2 | Q/Q change % | |
|---|---|---|---|
| NMIH | |||
| calendar year | 2024 | 2024 | NaN |
| revenue per share | 2.09 | 2.02 | 3.18 |
| net income per share | 1.17 | 1.15 | 1.51 |
| operating cash flow per share | 1.61 | 1.47 | 9.80 |
| free cash flow per share | 1.66 | 1.45 | 15.04 |
| cash per share | 5.45 | 3.46 | 57.60 |
| book value per share | 27.6 | 25.53 | 8.08 |
| tangible book value per share | 27.55 | 25.49 | 8.09 |
| shareholders equity per share | 27.6 | 25.53 | 8.08 |
| interest debt per share | 5.3 | 5.35 | -0.97 |
| market cap | 3276623310 | 2725580340.0 | 20.22 |
| enterprise value | 3558086310 | 3077200340.0 | 15.63 |
| pe ratio | 8.83 | 7.4 | 19.27 |
| price to sales ratio | 19.73 | 16.81 | 17.34 |
| pocfratio | 25.51 | 23.14 | 10.27 |
| pfcf ratio | 24.74 | 23.51 | 5.24 |
| pb ratio | 1.49 | 1.33 | 12.03 |
| ptb ratio | 1.49 | 1.33 | 12.03 |
| ev to sales | 21.42 | 18.98 | 12.86 |
| enterprise value over ebitda | 28.21 | 15.87 | 77.79 |
| ev to operating cash flow | 27.71 | 26.12 | 6.06 |
| ev to free cash flow | 26.86 | 26.54 | 1.23 |
| earnings yield | 0.03 | 0.03 | -16.16 |
| free cash flow yield | 0.04 | 0.04 | -4.98 |
| debt to equity | 0.19 | 0.2 | -6.71 |
| debt to assets | 0.12 | 0.13 | -7.30 |
| net debt to ebitda | 2.23 | 1.81 | 23.08 |
| current ratio | 3.32 | 6.05 | -45.09 |
| interest coverage | -0.04 | 9.08 | -100.44 |
| income quality | 1.38 | 1.28 | 8.17 |
| dividend yield | 0 | 0 | NaN |
| payout ratio | 0 | 0 | NaN |
| sales general and administrative to revenue | 0 | 0 | NaN |
| research and ddevelopement to revenue | 0 | 0 | NaN |
| intangibles to total assets | 0.0 | 0.0 | -7.40 |
| capex to operating cash flow | 0.03 | 0.02 | 100.69 |
| capex to revenue | 0.02 | 0.01 | 113.57 |
| capex to depreciation | 1.35 | 0.61 | 119.83 |
| stock based compensation to revenue | 0.03 | 0.03 | 5.32 |
| graham number | 26.91 | 25.7 | 4.74 |
| roic | -0.0 | 0.03 | -102.44 |
| return on tangible assets | 0.03 | 0.03 | -6.67 |
| graham net net | -8.69 | -12.02 | 27.74 |
| working capital | 257637000 | 509566000 | -49.44 |
| tangible asset value | 2191552000 | 2041976000 | 7.33 |
| net current asset value | -756334000 | -418484000 | -80.73 |
| invested capital | 261271000 | 542048000 | -51.80 |
| average receivables | 0 | 0 | NaN |
| average payables | 55484000 | 0 | NaN |
| average inventory | -211458500 | -446700000 | 52.66 |
| days sales outstanding | 0 | 0 | NaN |
| days payables outstanding | 37545.56 | 0 | NaN |
| days of inventory on hand | 0 | -143092.22 | 100.00 |
| receivables turnover | 0 | 0 | NaN |
| payables turnover | 0.0 | 0 | NaN |
| inventory turnover | 0 | -0.0 | 100.00 |
| roe | 0.04 | 0.05 | -6.07 |
| capex per share | 0.05 | 0.02 | 120.37 |
ROE: Return on Equity (ROE) decreased to 0.04 on 2024-09-30 Q3 from 0.05 on 2024-06-30 Q2, representing a change of -6.07%. Suggesting that the company has not been generating high returns for its shareholders.
Current Ratio: Current Ratio decreased to 3.32 on 2024-09-30 Q3 from 6.05 on 2024-06-30 Q2, representing a change of -45.09%. The current ratio has been declining, suggesting a decrease in the company's short-term liquidity. Since it's above 3, indicating poor management of working capital.
PE Ratio: Price-to-Earnings (P/E) Ratio increased to 8.83 on 2024-09-30 Q3 from 7.40 on 2024-06-30 Q2, representing a change of 19.27%. Indicating an increase in the relative valuation of the company's stock.
Debt-to-Equity Ratio: Debt-to-Equity Ratio decreased to 0.19 on 2024-09-30 Q3 from 0.20 on 2024-06-30 Q2, representing a change of -6.71%. The debt-to-equity ratio has been decreasing, indicating that the company has been relying less on debt financing. A ratio of 1 or below is often considered healthy and indicates that the company's total debt is equal to or less than its total equity.
Positive Sentiment: Discounted Cash Flow value is 80.31 which is higher than current price 38.55, indicates the company may be undervalued.
| Market Capitalization | Enterprise Value | |
|---|---|---|
| Definition | The total market value of a company's outstanding shares | The total market value of a company, including its debt and other liabilities |
| Calculation | Current share price * Total number of outstanding shares | Market capitalization + Total debt - Cash and cash equivalents |
| Focus | Equity component of a company's value | Total economic value of a company |
| Usefulness | Assesses a company's size and growth potential based on investor sentiment | Provides a more comprehensive valuation that considers both equity and debt |
Analyzing dividends is a crucial aspect of investment evaluation, offering valuable insights into a company's financial health and its commitment to shareholder returns. Dividends represent a portion of a company's profits distributed to its shareholders, providing a steady income stream. We help you analyze dividends based on the indicators mentioned below:
• Investors often assess the average dividend amount, observing trends over time to gauge the company's stability and growth potential. A positive trend in average dividends indicates a consistent and potentially lucrative investment. Additionally, evaluating the trend of dividend increases provides insight into the company's financial strength and management's confidence in future earnings.
• Consistency in paying dividends is a reassuring sign, reflecting a company's reliability and commitment to shareholder value. For investors, dividends not only offer income but also contribute to the overall total return on investment.
• Companies with a history of regular and increasing dividends can attract income-focused investors seeking stable returns, making dividends a critical factor in building a well-rounded investment portfolio.
Interested in the overall sentiment for a particular period? Check out our news sentiment analysis tool.
Sentiment: Neutral
Publish Date: 2025-01-23 12:35:00
EMERYVILLE, Calif., Jan. 23, 2025 (GLOBE NEWSWIRE) -- NMI Holdings, Inc. (NASDAQ: NMIH), the parent company of National Mortgage Insurance Corporation (National MI), today announced that it will report results for its fourth quarter and full year ended December 31, 2024 after the market close on Thursday, February 6, 2025.
Sentiment: Positive
Publish Date: 2025-01-22 12:01:14
NMIH stock is poised to gain from higher new insurance written volume, a comprehensive reinsurance program, financial flexibility and prudent capital deployment.
Sentiment: Positive
Publish Date: 2025-01-17 14:30:44
The 'Undercovered' Dozen series highlights lesser-covered stocks, providing investment ideas and encouraging discussions on their potential. Arcus Biosciences is seen as a "Strong Buy" due to its promising oncology combo therapies and partnerships with Gilead and AstraZeneca. Edmund Ingham sees Sarepta Therapeutics, despite past valuation concerns, as a "Buy" with potential for >50% gain by YE25, driven by Elevidys and ongoing clinical programs.
Sentiment: Positive
Publish Date: 2025-01-14 03:58:55
I recommend National Mortgage Insurance over fintech Upstart due to stark valuation disparities reminiscent of past market bubbles. National Mortgage boasts a 13% earnings yield and a P/E ratio of 7.8, significantly undervalued compared to the S&P 500 and Upstart. The company's strong credit protections and low risk of mortgage defaults make it a safer investment.
Sentiment: Positive
Publish Date: 2025-01-02 10:40:36
Wondering how to pick strong, market-beating stocks for your investment portfolio? Look no further than the Zacks Style Scores.
Sentiment: Negative
Publish Date: 2024-12-31 16:20:40
The New Year May Not Be Kind To Radian Group
Sentiment: Negative
Publish Date: 2024-12-23 13:21:08
Investors who already own the NMIH stock should retain it and new investors should wait for some more.
Sentiment: Positive
Publish Date: 2024-12-17 16:05:00
EMERYVILLE, Calif., Dec. 17, 2024 (GLOBE NEWSWIRE) -- NMI Holdings, Inc., (NASDAQ: NMIH) announced today that Mohammad Yousaf, currently the company's Executive Vice President, Operations and Information Technology, has been appointed to the newly created position of Chief of Operations and Technology, effective January 1, 2025.
Sentiment: Positive
Publish Date: 2024-12-17 10:51:29
The Zacks Style Scores offers investors a way to easily find top-rated stocks based on their investing style. Here's why you should take advantage.
Sentiment: Positive
Publish Date: 2024-12-16 10:41:10
Wondering how to pick strong, market-beating stocks for your investment portfolio? Look no further than the Zacks Style Scores.
Sentiment: Neutral
Publish Date: 2024-12-09 06:49:01
NMI Holdings (NMIH) reported earnings 30 days ago. What's next for the stock?
Sentiment: Positive
Publish Date: 2024-11-27 10:40:18
Wondering how to pick strong, market-beating stocks for your investment portfolio? Look no further than the Zacks Style Scores.
Sentiment: Positive
Publish Date: 2024-11-22 09:45:22
NMIH stock rallies on the back of higher new insurance written volume, comprehensive reinsurance program, solid capital position and prudent capital deployment.
Sentiment: Positive
Publish Date: 2024-11-11 10:45:38
Wondering how to pick strong, market-beating stocks for your investment portfolio? Look no further than the Zacks Style Scores.
Sentiment: Positive
Publish Date: 2024-11-11 10:45:34
Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks.
Sentiment: Positive
Publish Date: 2024-11-07 10:55:25
NMIH's Q3 results reflect higher premiums and net investment income, and increased persistency, which drove growth in the company???s high-quality insured portfolio.
Sentiment: Neutral
Publish Date: 2024-11-06 20:59:15
NMI Holdings, Inc. (NMIH) Q3 2024 Earnings Call Transcript
Sentiment: Positive
Publish Date: 2024-11-06 18:30:33
Although the revenue and EPS for NMI Holdings (NMIH) give a sense of how its business performed in the quarter ended September 2024, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers.
Sentiment: Positive
Publish Date: 2024-11-06 18:21:17
NMI Holdings (NMIH) came out with quarterly earnings of $1.15 per share, beating the Zacks Consensus Estimate of $1.10 per share. This compares to earnings of $1 per share a year ago.
Sentiment: Positive
Publish Date: 2024-11-06 16:01:00
EMERYVILLE, Calif., Nov. 06, 2024 (GLOBE NEWSWIRE) -- NMI Holdings, Inc. (Nasdaq: NMIH) today reported net income of $92.8 million, or $1.15 per diluted share, for the third quarter ended September 30, 2024, compared to $92.1 million, or $1.13 per diluted share, for the second quarter ended June 30, 2024 and $84.0 million, or $1.00 per diluted share, for the third quarter ended September 30, 2023.
* The sentiment analysis presented is generated through an algorithm and may be subject to inaccuracies. Users are advised to corroborate key information and employ further analytical methods prior to making critical decisions.
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| Indicator | Bullish | Bearish |
|---|---|---|
| Price and EMA ⓘ | Price crosses above EMA | Price crosses below EMA |
| Short-Term vs Long-Term EMA ⓘ | Short EMA crosses above Long EMA | Short EMA crosses below Long EMA |
| Volume ⓘ | Increasing volume during price uptrend | Increasing volume during price downtrend |
| MACD ⓘ | MACD crosses above Signal Line | MACD crosses below Signal Line |
| RSI ⓘ | RSI is below 30 (oversold) and starts to rise above 30 | RSI is above 70 (overbought) and starts to decline below 70 |
| Candlestick Patterns ⓘ | Bullish candlestick patterns | Bearish candlestick patterns |
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